Shriram Finance Ltd's Q4FY25 Quarterly Results

Result Summary

• Shriram Finance Ltd reported a 7.4% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 24.3%.
• Its expenses for the quarter were down by 10.7% QoQ and up 19.6% YoY.
• The net profit decreased 37.8% QoQ and increased 56.9% YoY.
• The earnings per share (EPS) of Shriram Finance Ltd stood at 53.4 during Q4FY25.

Financial Statments for Q4FY25

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Shriram Finance Ltd is a prominent player in the non-banking financial services sector in India. The company primarily focuses on providing funding solutions for commercial vehicles, passenger vehicles, small and medium enterprises (SMEs), and personal loans. Shriram Finance is known for its extensive network across rural and semi-urban areas, catering to a diverse customer base. The company operates in a highly competitive industry, with a strong emphasis on customer-centric services and innovative financial products. As of the latest updates, there are no specific major developments reported for the company.

Revenue

In the fourth quarter of the fiscal year 2025 (Q4FY25), Shriram Finance Ltd reported a total income of ₹9,918.30 crores. This represents a quarter-over-quarter (QoQ) decline of 7.4% compared to the previous quarter (Q3FY25), where the total income was ₹10,705.47 crores. However, on a year-over-year (YoY) basis, total income increased by 24.3% compared to the same quarter of the previous fiscal year (Q4FY24), when the company reported a total income of ₹7,979.75 crores. This data reflects significant growth in revenue on an annual basis, despite a decline in the last quarter.

Profitability

The profitability metrics for Shriram Finance Ltd in Q4FY25 indicate a profit before tax (PBT) of ₹2,742.85 crores. This figure represents a decrease of 36.4% from the previous quarter's PBT of ₹4,312.81 crores. However, comparing it to the same quarter of the previous year, the PBT exhibited a substantial increase of 48.2%. The profit after tax (PAT) for Q4FY25 was ₹2,021.28 crores, which is 37.8% lower than the previous quarter but 56.9% higher than Q4FY24's PAT of ₹1,288.18 crores. Tax expenses for the quarter amounted to ₹724.52 crores, marking a 33.0% decrease from the prior quarter and a 28.1% increase year-over-year. Earnings per share (EPS) also followed a similar trend, declining by 38.1% quarter-over-quarter to ₹53.40 but increasing by 58.0% year-over-year.

Operating Metrics

Shriram Finance Ltd's operating metrics for Q4FY25 show a total expense amount of ₹5,910.44 crores. This figure is 10.7% less than the expenses recorded in Q3FY25, which were ₹6,620.49 crores. When compared to Q4FY24, total expenses increased by 19.6% from ₹4,943.65 crores. This demonstrates an increase in the company’s operating expenditures over the year, although expenses decreased in comparison to the previous quarter. The data suggests a focus on managing costs effectively over the quarter, even as the company scales its operations year-over-year.