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Shriram Finance Limited Q2 FY26 earnings call summary

NSE: SHRIRAMFIN · BSE: 511218

Earnings call of 31 Oct 2025, summarised by AI from the filing.

Management expects NIM to reach 8.5% by Q4 FY26 exit, averaging 8.25-8.3% for the full year.

Key takeaways

  1. NIM guidance Management expects NIM to reach 8.5% by Q4 FY26 exit, averaging 8.25-8.3% for the full year.
  2. MSME risk Management cautious on MSME post US tariff; some segments have up to 60% output going to the US market.

Original filing on BSE

Shriram Finance Limited Q1 FY27 results

As filed: Revenue ₹13,400 cr (+16% year on year), EBITDA ₹9,995 cr (+18% year on year), PAT ₹3,453 cr (+60% year on year), EBITDA margin 74.6% (+113 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹12,513 cr (+9% year on year), EBITDA ₹9,409 cr (+15% year on year), PAT ₹3,021 cr (+41% year on year), EBITDA margin 75.2% (+394 bps). Score 58 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was below it; profit growth was above it. EBITDA margin rose 394 bps year on year. Revenue rose ₹1,059 cr on a year ago, against ₹1,550 cr the year before. Share price after the results: −7.0% in 28 days (Nifty 500: +0.4%).
  • Q3 FY26: Revenue ₹12,171 cr (+14% year on year), EBITDA ₹8,774 cr (+14% year on year), PAT ₹2,530 cr (−22% year on year), EBITDA margin 72.1% (+44 bps). Score 43 of 100, In line with trend. Revenue and EBITDA growth were below the company's own trend; profit growth was well below it. EBITDA margin rose 44 bps year on year. Revenue rose ₹1,473 cr on a year ago, more than the ₹1,397 cr it added the year before. Share price after the results: +7.7% in 28 days (Nifty 500: +1.7%).
  • Q2 FY26: Revenue ₹11,912 cr (+18% year on year), EBITDA ₹8,804 cr (+21% year on year), PAT ₹2,314 cr (+7% year on year), EBITDA margin 73.9% (+202 bps). Score 66 of 100, Above trend. Revenue growth was in line with the company's own trend; EBITDA growth was above it; profit growth was below it. EBITDA margin rose 202 bps year on year. Revenue rose ₹1,822 cr on a year ago, more than the ₹1,206 cr it added the year before. Share price after the results: +15.4% in 28 days (Nifty 500: +0.4%).
  • Q1 FY26: Revenue ₹11,536 cr (+20% year on year), EBITDA ₹8,474 cr (+22% year on year), PAT ₹2,159 cr (+6% year on year), EBITDA margin 73.5% (+116 bps). Score 64 of 100, In line with trend. Revenue growth was above the company's own trend; EBITDA growth was well above it; profit growth was below it. EBITDA margin rose 116 bps year on year. Revenue rose ₹1,931 cr on a year ago, more than the ₹1,312 cr it added the year before. Share price after the results: −2.8% in 28 days (Nifty 500: −1.3%).
  • Q4 FY25: Revenue ₹11,454 cr (+16% year on year), EBITDA ₹8,161 cr (+15% year on year), PAT ₹2,144 cr (+6% year on year), EBITDA margin 71.3% (−29 bps). Score 38 of 100, Below trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 29 bps year on year. Profit fell 34% from last quarter. Share price after the results: −5.3% in 28 days (Nifty 500: +2.7%).
  • Q3 FY25: Revenue ₹10,698 cr (+15% year on year), EBITDA ₹7,665 cr (+17% year on year), PAT ₹3,249 cr (+10% year on year), EBITDA margin 71.7% (+119 bps). Score 53 of 100, In line with trend. Revenue and profit before exceptional items growth were below the company's own trend; EBITDA growth was in line with it. EBITDA margin rose 119 bps year on year. Revenue rose ₹1,397 cr on a year ago, against ₹1,493 cr the year before.
  • Q2 FY25: Revenue ₹10,090 cr (+14% year on year), EBITDA ₹7,254 cr (+15% year on year), PAT ₹2,153 cr (+20% year on year), EBITDA margin 71.9% (+60 bps). Score 58 of 100, In line with trend. EBITDA margin rose 60 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Shriram Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.