Shriram Finance (NSE:SHRIRAMFIN) LT-Debt-to-Total-Asset: 0.57 (As of Mar. 2026)

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NSE:SHRIRAMFIN Shriram Finance Ltd NSE:SHRIRAMFIN
74 GF Score
Price ₹1,024.40
GF Value ₹773.80
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Shriram Finance LT-Debt-to-Total-Asset?

Shriram Finance NSE:SHRIRAMFIN -0.91% 74 LT-Debt-to-Total-Asset is 0.57 as of Mar. 2026. GuruFocus rates NSE:SHRIRAMFIN with a GF Score™ of 74/100 and a GF Value™ of ₹773.80 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Shriram Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.57.

Shriram Finance's long-term debt to total assets ratio declined from Mar. 2025 (0.61) to Mar. 2026 (0.57). It may suggest that Shriram Finance is progressively becoming less dependent on debt to grow their business.

Shriram Finance  (NSE:SHRIRAMFIN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Shriram Finance LT-Debt-to-Total-Asset Related Terms

Shriram Finance LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Shriram Finance's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Shriram Finance LT-Debt-to-Total-Asset Chart

Shriram Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.65 0.61 0.61 0.61 0.57

Shriram Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.61 0.00 0.56 0.00 0.57
NSE:SHRIRAMFIN
74GF Score
Shriram Finance Ltd NSE:SHRIRAMFIN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Shriram Finance LT-Debt-to-Total-Asset Calculation

Shriram Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=1819935.6/3213745.2
=0.57

Shriram Finance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=1819935.6/3213745.2
=0.57

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.57 mean?
Shriram Finance (NSE:SHRIRAMFIN) has a LT-Debt-to-Total-Asset of 0.57 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Shriram Finance and its competitors.
Is Shriram Finance's LT-Debt-to-Total-Asset too high?
Shriram Finance's current LT-Debt-to-Total-Asset is 0.57. Overall, Shriram Finance has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shriram Finance's LT-Debt-to-Total-Asset compare to V and MA?
Shriram Finance's LT-Debt-to-Total-Asset of 0.57 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Shriram Finance and its competitors. Shriram Finance's current LT-Debt-to-Total-Asset is 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shriram Finance stock overvalued right now?
Based on GuruFocus' analysis, Shriram Finance (NSE:SHRIRAMFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹773.80, compared to a current price of ₹1,024.40 — trading 32.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.57. Shriram Finance's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Shriram Finance (NSE:SHRIRAMFIN), the current LT-Debt-to-Total-Asset is 0.57 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Shriram Finance (NSE:SHRIRAMFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Shriram Finance stock appears to be overvalued. The current stock price of ₹1,024.40 is trading 32.4% above its estimated GF Value™ of ₹773.80. GuruFocus considers Shriram Finance to be Significantly Overvalued.

Key valuation signals for NSE:SHRIRAMFIN:

  • LT-Debt-to-Total-Asset: 0.57
  • GF Value™: ₹773.80 vs. price of ₹1,024.40 (32.4% above fair value)
  • GF Score™: 74/100 with 6 warning signs

No single metric tells the full story. See the NSE:SHRIRAMFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Shriram Finance Business Description

Other Exchanges 511218:India
Address Wockhardt Towers, West Wing, Level-3, C-2, G-Block, Bandra-Kurla Complex, Bandra (East), Mumbai, MH, IND, 400051
Shriram Finance Ltd is an Indian non-banking finance company. It is engaged in the financing of pre-owned commercial vehicles, equipment, and other loans. The company focuses on loan origination, valuation, and collection for pre-owned and new commercial and passenger vehicles, tractors, 3-wheelers, multi-utility vehicles, and also provides ancillary services such as finance for working capital, engine replacement, bill discounting, credit cards, and tire-loans as holistic financing support. The company's revenue consists of interest income on loans provided. Geographically, it derives maximum revenue from India.
74GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,024.40
Price
₹773.80
GF Value