Shriram Finance Ltd. Q3 FY2026 results: revenue ₹12,171 crore, up 13.8% on the year
Shriram Finance Ltd. (SHRIRAMFIN) reported consolidated revenue from operations of ₹12,171 crore for Q3 FY2026, the quarter ended 31 December 2025, up 13.8% on the same quarter a year earlier. Profit after tax was ₹2,530 crore, down 22.1% on the year, and earnings per share ₹13.45. The figures are the company's own, from the un-audited results it filed with NSE on 23 January 2026.
The quarter, against the one before and a year earlier
| Line | Q3 FY2026 | Q2 FY2026 | Q3 FY2025 | Change on the year |
|---|---|---|---|---|
| Revenue from operations | 12,171 | 11,912 | 10,698 | +13.8% |
| Other income | 26 | 9 | 7 | +259.9% |
| Total income | 12,197 | 11,921 | 10,705 | +13.9% |
| Cost of materials consumed | 0 | 0 | 0 | n/a |
| Purchases of stock-in-trade | 0 | 0 | 0 | n/a |
| Changes in inventories | 0 | 0 | 0 | n/a |
| Employee benefit expense | 1,238 | 945 | 970 | +27.6% |
| Finance costs | 5,259 | 5,525 | 4,751 | +10.7% |
| Depreciation, depletion and amortisation | 177 | 174 | 162 | +9.1% |
| Other expenses | 645 | 664 | 583 | +10.7% |
| Total expenses | 8,833 | 8,808 | 7,946 | +11.2% |
| Profit before exceptional items and tax | 3,364 | 3,113 | 2,759 | +21.9% |
| Exceptional items | 0 | 0 | 1,554 | n/a |
| Profit before tax | 3,364 | 3,113 | 4,313 | -22.0% |
| Current tax | 1,119 | 1,030 | 1,282 | -12.7% |
| Deferred tax | -280 | -227 | -202 | n/a |
| Total tax | 840 | 803 | 1,081 | -22.3% |
| Profit after tax | 2,530 | 2,314 | 3,249 | -22.1% |
| Attributable to owners of the parent | 2,530 | 2,314 | 3,247 | -22.1% |
| Other comprehensive income | 68 | 184 | 106 | -35.1% |
| Total comprehensive income | 2,598 | 2,498 | 3,354 | -22.5% |
| EPS, basic | n/a | n/a | ₹17.27 | n/a |
| EPS, diluted | n/a | n/a | ₹17.25 | n/a |
₹ crore except per share.
Leverage, as the company states it
| Line | Q3 FY2026 | Q2 FY2026 | Q3 FY2025 | Change on the year |
|---|---|---|---|---|
| Debt to equity | 4.04 | 3.87 | n/a | |
| Debt service coverage | 0.00 | 0.00 | n/a | |
| Interest service coverage | 0.00 | 0.00 | n/a |
Debt to equity, debt service coverage and interest service coverage are the figures the company prints in its result statement under the listing regulations.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 8,884 | 9,301 | 9,904 | 9,605 | 10,090 | 10,698 | 11,454 | 11,536 | 11,912 | 12,171 | 12,513 | 13,400 |
| Expenses | 6,489 | 6,793 | 7,175 | 6,943 | 7,345 | 7,946 | 8,688 | 8,636 | 8,808 | 8,833 | 8,615 | 8,793 |
| Operating profit | 6,334 | 6,552 | 7,085 | 6,944 | 7,254 | 7,665 | 8,161 | 8,474 | 8,803 | 8,774 | 9,409 | 9,995 |
| OPM % | 71% | 70% | 72% | 72% | 72% | 72% | 71% | 73% | 74% | 72% | 75% | 75% |
| Other income | 9 | 5 | 14 | 5 | 7 | 7 | 6 | 6 | 9 | 26 | 19 | 18 |
| Interest | 3,798 | 3,893 | 4,197 | 4,129 | 4,350 | 4,751 | 5,224 | 5,401 | 5,525 | 5,259 | 5,336 | 5,204 |
| Depreciation | 141 | 152 | 159 | 153 | 159 | 162 | 171 | 173 | 174 | 177 | 175 | 183 |
| Exceptional items | 0 | 0 | 0 | 0 | 0 | 1,554 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 2,404 | 2,513 | 2,743 | 2,667 | 2,752 | 4,313 | 2,772 | 2,906 | 3,113 | 3,364 | 3,917 | 4,626 |
| Tax % | 26% | 25% | 26% | 26% | 25% | 25% | 23% | 26% | 26% | 25% | 23% | 25% |
| Net profit | 1,792 | 1,874 | 2,021 | 2,031 | 2,153 | 3,249 | 2,144 | 2,159 | 2,314 | 2,530 | 3,021 | 3,453 |
| EPS in ₹ | ₹47.61 | ₹49.70 | ₹53.47 | ₹53.82 | ₹56.93 | ₹17.27 | ₹11.40 | ₹11.48 | ₹12.30 | ₹13.45 | ₹16.06 | ₹14.86 |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Operating profit is sales less the expenses other than interest and depreciation, OPM is that over sales, and tax % is tax over profit before tax: arithmetic on the filed lines; everything else is as filed. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company. EPS is as filed for each quarter. A split or a bonus issue changes the share count, so quarters before it are on the old count.
Source
Un-audited consolidated results for the quarter ended 31 December 2025, filed with NSE on 23 January 2026: the result statement. All of Shriram Finance Ltd.'s results: NSE company page.
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