Shriram Finance Limited has informed the Exchange about Transcript and Earnings call for the second quarter and half year ended September 30, 2025.
SHRIRAMFIN · price
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Shriram Finance reported a strong Q2 FY26 with AUM growing 15.74% YoY to Rs. 2,81,309 crore and disbursements up 10.24% YoY at Rs. 43,019 crore. Net interest income rose 11.77% YoY to Rs. 6,267 crore, while net interest margin (NIM) stood at 8.19% (vs 8.74% YoY). Profit after tax grew 11.39% YoY to Rs. 2,307 crore, with EPS of Rs. 12.27. Asset quality improved, with gross Stage 3 falling to 4.57% from 5.32% YoY and credit cost at 1.68%. The board declared an interim dividend of Rs. 4.8 per share (240%) with a record date of November 7, 2025. Management guided NIM to reach 8.5% by Q4 FY26 exit, supported by lower cost of funds (8.07%) and reduced debt of Rs. 2,34,000 crore. Q3 outlook is positive, with strong October demand across CV, two-wheelers, and tractors, and additional ~2% AUM growth expected in H2.
Strong operational performance with improving asset quality and positive NIM trajectory for H2 FY26 should support the stock. Interim dividend of Rs. 4.8 per share is a positive for shareholders in the near term.