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Shriram FinanceNSE:SHRIRAMFIN +0.37%73 PS Ratio is 7.42 as of Jul. 30, 2026, which is 81% above its 10-year median of 4.11. 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 524 Credit Services companies, Shriram Finance ranks worse than 75.38% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Shriram Finance's share price is ₹1044.70.
Shriram Finance's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was ₹140.72. Hence, Shriram Finance's PS Ratio for today is 7.42.
Warning Sign:
Shriram Finance Ltd stock PS Ratio (=7.4) is close to 5-year high of 8.12.
The historical rank and industry rank for Shriram Finance's PS Ratio or its related term are showing as below:
NSE:SHRIRAMFIN'
s PS Ratio Range Over the Past 10 Years
Min: 1.45 Med: 4.11 Max: 19.33
Current: 7.43
During the past 13 years, Shriram Finance's highest PS Ratio was 19.33. The lowest was 1.45. And the median was 4.11.
NSE:SHRIRAMFIN's PS Ratio is ranked worse than 75.38% of 524
companies
in the Credit Services industry
Industry Median: 2.87
vs NSE:SHRIRAMFIN: 7.43
Shriram Finance Ltd has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Shriram Finance was 12.90% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 13.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 16.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 10.40% per year.
During the past 13 years, Shriram Finance's highest 3-Year average Revenue per Share Growth Rate was 44.10% per year. The lowest was -6.90% per year. And the median was 10.70% per year.
Back to Basics: PS Ratio
Shriram Finance (NSE:SHRIRAMFIN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Shriram Finance PS Ratio Related Terms
Shriram Finance PS Ratio Historical Data
* Premium members only.
The historical data trend for Shriram Finance's PS Ratio 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.
For the Credit Services subindustry, Shriram Finance's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Shriram Finance's PS Ratio distribution charts can be found below:
* The bar in red indicates where Shriram Finance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Shriram Finance's Share Price of today is ₹1044.70. Shriram Finance's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹140.72.
* 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.
It can also be calculated from the numbers for the whole company:
Shriram Finance (NSE:SHRIRAMFIN) has a PS Ratio of 7.42 as of Jul. 30, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Shriram Finance and its competitors. This is 81% above median its historical median of 4.11. Over the past decade, Shriram Finance's PS Ratio has ranged from 1.45 to 19.33. According to the industry distribution chart, Shriram Finance ranks #395 out of 524 companies in the Credit Services industry, placing it in the top 75.4%.
Is Shriram Finance's PS Ratio too high?
Shriram Finance's current PS Ratio of 7.42 is 81% above median its 10-year median of 4.11. Over the past 10 years, this metric has ranged from a low of 1.45 to a high of 19.33. The Credit Services industry median PS Ratio is 2.87. Shriram Finance's value of 7.42 is 158.5% above this industry median. Based on the distribution chart, Shriram Finance ranks #395 out of 524 companies in the Credit Services industry, which is in the bottom quartile 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Shriram Finance ranks #395 out of 524 companies for PS Ratio. This places Shriram Finance in the lower half of its industry. The industry median PS Ratio is 2.87. Shriram Finance's value of 7.42 is 158.5% above this benchmark. Historically, Shriram Finance's own PS Ratio has ranged from 1.45 to 19.33 over the past decade. While the company's 10-year median is 4.11 vs. the industry median of 2.87, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.87, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shriram Finance's current PS Ratio of 7.42 is 158.5% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Shriram Finance and its competitors. For the Credit Services industry, the median PS Ratio is 2.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shriram Finance's current PS Ratio is 7.42, which is 81% above median its own 10-year median of 4.11. 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 PS Ratio is 7.42, which is 81% above median its 10-year median of 4.11 and 158.5% above the Credit Services industry median of 2.87. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Shriram Finance (NSE:SHRIRAMFIN), the current PS Ratio is 7.42 as of Jul. 30, 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:
PS Ratio: 7.42 (81% above median its 10-year median of 4.11)
GF Value™: ₹781.27 vs. price of ₹1,044.70 (33.7% above fair value)
Industry Position: 158.5% above the Credit Services median (#395 of 524)
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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