Shriram City Union Finance Limited (SHRIRAMCIT.NS)

Shriram City Union Finance Limited (SHRIRAMCIT.NS) — VMCI valuation read

Composite valuation read on SHRIRAMCIT.NS: VMCI 55/100 against a Financial Services sector median of 50. The 5-point above-median print is the headline number for Shriram City Union Finance Limited, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.

Trailing 30-day insider activity for SHRIRAMCIT.NS: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.

**Investor frame.** Value, quality, risk in three lines on SHRIRAMCIT.NS: SHRIRAMCIT.NS trades at 15.0x earnings, 17% below the Financial Services median of 18.0x; ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%); net debt to EBITDA of -2.1x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.

SHRIRAMCIT.NS fell 2.5% over the trailing 7 days, with a +5.8% read on a 30-day basis.