Unifinz Capital [UCIL] vs Shriram Finance [SHRIRAMFIN] Detailed Stock Comparison

Unifinz Capital India Ltd.

BSE
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Shriram Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Unifinz Capital India Ltd. wins in 9 metrics, Shriram Finance Ltd. wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Unifinz Capital India Ltd. Shriram Finance Ltd. Better
P/E Ratio (TTM) 4.72 20.78 Unifinz Capital India Ltd.
Price-to-Book Ratio 3.85 3.13 Shriram Finance Ltd.
Debt-to-Equity Ratio 112.77 279.08 Unifinz Capital India Ltd.
PEG Ratio 0.07 1.15 Unifinz Capital India Ltd.
EV/EBITDA 6.84 N/A N/A
Profit Margin (TTM) 31.04% 45.95% Shriram Finance Ltd.
Operating Margin (TTM) 47.14% 61.27% Shriram Finance Ltd.
EBITDA Margin (TTM) 47.14% 61.27% Shriram Finance Ltd.
Return on Equity 25.86% 16.92% Unifinz Capital India Ltd.
Return on Assets (TTM) 15.93% 3.25% Unifinz Capital India Ltd.
Free Cash Flow (TTM) $-309.90M $-439.06B Unifinz Capital India Ltd.
Dividend Yield 0.08% 1.41% Shriram Finance Ltd.
1-Year Return -19.17% 48.14% Shriram Finance Ltd.
Price-to-Sales Ratio (TTM) 1.88 11.93 Unifinz Capital India Ltd.
Enterprise Value $5.82B $3,536.13B Shriram Finance Ltd.
EV/Revenue Ratio 2.40 17.76 Unifinz Capital India Ltd.
Gross Profit Margin (TTM) 86.12% N/A N/A
Revenue per Share (TTM) $100 $106 Shriram Finance Ltd.
Earnings per Share (Diluted) $21.84 $48.57 Shriram Finance Ltd.
Beta (Stock Volatility) 0.49 0.65 Unifinz Capital India Ltd.

Unifinz Capital India Ltd. vs Shriram Finance Ltd. Stock Performance Analysis

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UCIL
SHRIRAMFIN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Unifinz Capital India Ltd.-2.86%-1.44%-7.69%4.35%-18.64%1.06%
Shriram Finance Ltd.0.14%-4.25%-5.08%-13.38%8.10%-10.59%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Unifinz Capital India Ltd.-19.17%1,193.33%969,900.00%969,900.00%969,900.00%969,900.00%
Shriram Finance Ltd.48.14%235.07%232.75%314.82%593.17%3,869.61%

Performance & Financial Health Analysis: Unifinz Capital India Ltd. vs Shriram Finance Ltd.

MetricUCILSHRIRAMFIN
Market Information
Market Cap i₹4.59B₹2.38T
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i79,9776,132,239
90 Day Avg. Volume i30,3059,368,423
Last Close₹93.25₹912.95
52 Week Range₹85.00 - ₹129.51₹566.50 - ₹1,108.00
% from 52W High-28.00%-17.60%
All-Time High₹674.70 (Feb 10, 2025)₹1,108.00 (Feb 26, 2026)
% from All-Time High-86.18%-17.60%
Growth Metrics
Quarterly Revenue Growth2.02%0.21%
Quarterly Earnings Growth3.41%-0.22%
Financial Health
Profit Margin (TTM) i0.31%0.46%
Operating Margin (TTM) i0.47%0.61%
Return on Equity (TTM) i0.26%0.17%
Debt to Equity (MRQ) i112.77279.08
Cash & Liquidity
Book Value per Share (MRQ)₹26.74₹322.11
Cash per Share (MRQ)₹1.74₹63.69
Operating Cash Flow (TTM) i₹-643,588,000₹140.49B
Levered Free Cash Flow (TTM) i₹200.56M₹95.54B
Dividends
Last 12-Month Dividend Yield i0.08%1.41%
Last 12-Month Dividend i₹0.50₹11.18

Valuation & Enterprise Metrics Analysis: Unifinz Capital India Ltd. vs Shriram Finance Ltd.

MetricUCIL (Apr 24, 2026)SHRIRAMFIN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i4.7220.78
Forward P/E iN/A15.98
PEG Ratio i0.071.15
Price to Sales (TTM) i1.8811.93
Price to Book (MRQ) i3.853.13
Market Capitalization
Market Capitalization i₹4.59B₹2.38T
Enterprise Value i₹5.82B₹3.54T
Enterprise Value Metrics
Enterprise to Revenue i2.4017.76
Enterprise to EBITDA i6.84N/A
Risk & Other Metrics
Beta i0.490.65
Book Value per Share (MRQ) i₹26.74₹322.11

Financial Statements Comparison: Unifinz Capital India Ltd. vs Shriram Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUCIL (2025)SHRIRAMFIN (2025)
Revenue/Sales i1.21B221.88B
Cost of Goods Sold i207.69MN/A
COGS % of Revenue i17.1%0.0%
Gross Profit i1.00BN/A
Gross Margin i82.9%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i551.63MN/A
Operating Margin i45.5%0.0%
EBITDA i850.98MN/A
EBITDA Margin i70.2%0.0%
Pre-Tax Income i266.35M125.03B
Pre-Tax Income % of Revenue i22.0%56.3%
Income Tax i65.79M30.80B
Income Tax % of Revenue i5.4%13.9%
Net Income (Profit) i200.56M95.76B
Profit Margin i16.5%43.2%

Balance Sheet & Liquidity Metrics

MetricUCIL (2025)SHRIRAMFIN (2025)
Cash & Equivalents i70.00M197.79B
Total Current Assets i1.06BN/A
Total Current Assets % of Revenue i87.2%0.0%
Total Current Liabilities i457.30MN/A
Total Current Liabilities % of Revenue i37.7%0.0%
Long-Term Debt i17.92M1.79T
Long-Term Debt % of Revenue i1.5%806.0%
Total Shareholders Equity i775.45M564.70B
Retained Earnings i155.47M242.42B
Retained Earnings % of Revenue i12.8%109.3%
Property, Plant & Equipment i24.78M137.30M

Cash Flow Statement Comparison

MetricUCIL (2025)SHRIRAMFIN (2025)
Operating Cash Flow i-643.59M140.49B
Operating Cash Flow % of Revenue i-53.1%63.3%
Capital Expenditures i20,000-2.20B
Free Cash Flow i-309.90M-439.06B
FCF Margin i-25.6%-197.9%
Debt Repayment iN/A-766.59B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricUCILSHRIRAMFIN
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i44.27M2.35B
Float Shares i8.50M1.41B
% Held by Insiders i81.87%22.04%
% Held by Institutions i0.00%37.56%
% Held by Public i18.13%40.40%

Dividend Analysis & Yield Comparison: Unifinz Capital India Ltd. vs Shriram Finance Ltd.

MetricUCILSHRIRAMFIN
Last 12-Month Dividend i₹0.50₹11.18
Last 12-Month Dividend Yield i0.08%1.41%
3-Year Avg Annual Dividend i₹0.17₹4.79
3-Year Avg Dividend Yield i0.08%0.28%
3-Year Total Dividends i₹0.50₹14.38
Ex-Dividend DateApr 04, 2025Nov 07, 2025