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Shriram FinanceNSE:SHRIRAMFIN +0.37%73 Net Margin % is 43.58% as of Jun. 2026, which is 28% above its 10-year median of 34.13. GuruFocus rates NSE:SHRIRAMFIN with a GF Score™ of 73/100 and a GF Value™ of ₹781.27 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 537 Credit Services companies, Shriram Finance ranks better than 80.63% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Shriram Finance's Net Income for the
three
months ended in Jun. 2026 was ₹34,528 Mil. Shriram Finance's Revenue for the
three
months ended in Jun. 2026 was ₹79,228 Mil. Therefore, Shriram Finance's net margin for the quarter that ended in Jun. 2026 was 43.58%.
The historical rank and industry rank for Shriram Finance's Net Margin % or its related term are showing as below:
NSE:SHRIRAMFIN'
s Net Margin % Range Over the Past 10 Years
Min: 21.82 Med: 34.13 Max: 43.45
Current: 40.42
NSE:SHRIRAMFIN's Net Margin % is ranked better than 80.63% of 537
companies
in the Credit Services industry
Industry Median: 15
vs NSE:SHRIRAMFIN: 40.42
Shriram Finance (NSE:SHRIRAMFIN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Shriram Finance Net Margin % Related Terms
Shriram Finance Net Margin % Historical Data
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The historical data trend for Shriram Finance's Net Margin % 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.
NSE:SHRIRAMFIN vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, Shriram Finance's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Shriram Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Shriram Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shriram Finance's Net Margin % falls into.
* 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 (NSE:SHRIRAMFIN) has a Net Margin % of 43.58% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shriram Finance and its competitors. This is 28% above median its historical median of 34.13. Over the past decade, Shriram Finance's Net Margin % has ranged from 21.82 to 43.45. According to the industry distribution chart, Shriram Finance ranks #104 out of 537 companies in the Credit Services industry, placing it in the top 19.4%.
Is Shriram Finance's Net Margin % too high?
Shriram Finance's current Net Margin % of 43.58% is 28% above median its 10-year median of 34.13. Over the past 10 years, this metric has ranged from a low of 21.82 to a high of 43.45. The Credit Services industry median Net Margin % is 15.00. Shriram Finance's value of 43.58% is 190.5% above this industry median. Based on the distribution chart, Shriram Finance ranks #104 out of 537 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Shriram Finance has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Shriram Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Shriram Finance ranks #104 out of 537 companies for Net Margin %. This places Shriram Finance in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.00. Shriram Finance's value of 43.58% is 190.5% above this benchmark. Historically, Shriram Finance's own Net Margin % has ranged from 21.82 to 43.45 over the past decade. While the company's 10-year median is 34.13 vs. the industry median of 15.00, Shriram Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.00, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shriram Finance's current Net Margin % of 43.58% is 190.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Shriram Finance and its competitors. For the Credit Services industry, the median Net Margin % is 15.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shriram Finance's current Net Margin % is 43.58%, which is 28% above median its own 10-year median of 34.13. 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 ₹781.27, compared to a current price of ₹1,044.70 — trading 33.7% above its estimated fair value. The current Net Margin % is 43.58%, which is 28% above median its 10-year median of 34.13 and 190.5% above the Credit Services industry median of 15.00. Shriram Finance's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Shriram Finance (NSE:SHRIRAMFIN), the current Net Margin % is 43.58% as of Jun. 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 ₹1,044.70 is trading 33.7% above its estimated GF Value™ of ₹781.27.
GuruFocus considers Shriram Finance to be Significantly Overvalued.
Key valuation signals for NSE:SHRIRAMFIN:
Net Margin %: 43.58% (28% above median its 10-year median of 34.13)
GF Value™: ₹781.27 vs. price of ₹1,044.70 (33.7% above fair value)
Industry Position: 190.5% above the Credit Services median (#104 of 537)
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 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.
73GF Score
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