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Last Updated on: 04 April, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo

Cholamandalam Financial Holdings Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 4, 2025, 11:54 am

Market Cap 31,893 Cr.
Current Price 1,698
High / Low 2,155/1,034
Stock P/E15.4
Book Value 605
Dividend Yield0.03 %
ROCE10.7 %
ROE19.8 %
Face Value 1.00
PEG Ratio0.76

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Cholamandalam Financial Holdings Ltd

Competitors of Cholamandalam Financial Holdings Ltd

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
MKVentures Capital Ltd 550 Cr. 1,431 2,800/1,21226.7 2670.07 %20.6 %33.6 % 10.0
Modern Shares & Stockbrokers Ltd 14.6 Cr. 49.8 69.4/36.041.7 43.90.00 %4.33 %3.24 % 10.0
Monarch Networth Capital Ltd 2,577 Cr. 328 501/22616.6 93.00.15 %51.8 %43.4 % 10.0
Monotype India Ltd 52.0 Cr. 0.74 2.42/0.636.51 0.130.00 %438 %% 1.00
Multipurpose Trading & Agencies Ltd 4.85 Cr. 9.79 13.3/7.9325.5 10.20.00 %4.44 %3.91 % 10.0
Industry Average6,715.03 Cr1,388.2484.405,208.090.37%18.65%17.36%7.36

All Competitor Stocks of Cholamandalam Financial Holdings Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Sales 3,7263,7433,9374,2984,7255,1865,6266,3176,7957,0837,6338,0908,489
Expenses 1,9211,7191,9992,1532,2122,2442,5882,8982,9782,9323,2533,5373,772
Operating Profit 1,8052,0231,9382,1452,5132,9423,0383,4193,8164,1524,3804,5534,718
OPM % 48%54%49%50%53%57%54%54%56%59%57%56%56%
Other Income 185226575297895548924591106
Interest 1,0541,0791,1371,3471,5511,7432,0132,2092,4452,5822,7963,0583,280
Depreciation 38424142445052525588707472
Profit before tax 7329547868139701,2461,0621,2131,3631,5741,5591,5131,471
Tax % 26%28%26%25%26%28%25%27%25%27%26%26%26%
Net Profit 5436875826067209017928881,0271,1441,1601,1251,093
EPS in Rs 13.2616.2314.2515.0717.6921.7219.7822.4124.8827.3229.2027.9925.89

Last Updated: March 3, 2025, 5:00 pm

Below is a detailed analysis of the quarterly data for Cholamandalam Financial Holdings Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Sales, as of Dec 2024, the value is ₹8,489.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,090.00 Cr. (Sep 2024) to ₹8,489.00 Cr., marking an increase of 399.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹3,772.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,537.00 Cr. (Sep 2024) to ₹3,772.00 Cr., marking an increase of 235.00 Cr..
  • For Operating Profit, as of Dec 2024, the value is ₹4,718.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,553.00 Cr. (Sep 2024) to ₹4,718.00 Cr., marking an increase of 165.00 Cr..
  • For OPM %, as of Dec 2024, the value is 56.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 56.00%.
  • For Other Income, as of Dec 2024, the value is ₹106.00 Cr.. The value appears strong and on an upward trend. It has increased from 91.00 Cr. (Sep 2024) to ₹106.00 Cr., marking an increase of 15.00 Cr..
  • For Interest, as of Dec 2024, the value is ₹3,280.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,058.00 Cr. (Sep 2024) to ₹3,280.00 Cr., marking an increase of 222.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹72.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 74.00 Cr. (Sep 2024) to ₹72.00 Cr., marking a decrease of 2.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹1,471.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,513.00 Cr. (Sep 2024) to ₹1,471.00 Cr., marking a decrease of 42.00 Cr..
  • For Tax %, as of Dec 2024, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00%.
  • For Net Profit, as of Dec 2024, the value is ₹1,093.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,125.00 Cr. (Sep 2024) to ₹1,093.00 Cr., marking a decrease of 32.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 25.89. The value appears to be declining and may need further review. It has decreased from 27.99 (Sep 2024) to 25.89, marking a decrease of 2.10.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:35 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales 7,7248,8079,6968,0042,6888,90910,92613,13513,90014,64418,15425,83031,295
Expenses 5,4225,9916,5427,0292,3774,4905,1476,5886,8077,2108,59711,38913,493
Operating Profit 2,3022,8153,1549753114,4195,7786,5477,0937,4349,55814,44117,802
OPM % 30%32%33%12%12%50%53%50%51%51%53%56%57%
Other Income 25291231,538102116092221256335
Interest 1,5201,8962,10397602,6553,5874,5924,6084,3285,7789,24911,715
Depreciation 133159171163177078150145154176248305
Profit before tax 6747891,0031,3742951,6952,1351,8062,4003,0443,8245,2006,117
Tax % 32%34%32%27%30%34%34%36%27%26%26%26%
Net Profit 4585186841,1815381,1271,4151,1651,7642,2392,8103,8514,521
EPS in Rs 15.4516.6622.6855.4724.2629.3237.1229.3443.9354.4968.7194.39110.40
Dividend Payout % 13%12%9%9%1%4%3%2%1%1%1%1%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)13.10%32.05%72.66%-54.45%109.48%25.55%-17.67%51.42%26.93%25.50%37.05%
Change in YoY Net Profit Growth (%)0.00%18.95%40.61%-127.11%163.92%-83.92%-43.22%69.08%-24.49%-1.42%11.54%

Cholamandalam Financial Holdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:11%
5 Years:19%
3 Years:23%
TTM:31%
Compounded Profit Growth
10 Years:19%
5 Years:21%
3 Years:29%
TTM:24%
Stock Price CAGR
10 Years:21%
5 Years:45%
3 Years:39%
1 Year:47%
Return on Equity
10 Years:18%
5 Years:18%
3 Years:19%
Last Year:20%

Last Updated: Unknown

Balance Sheet

Last Updated: November 15, 2024, 1:31 am

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 37373737191919191919191919
Reserves 1,6221,9142,2903,2872,7453,2913,9254,5725,3676,4277,64210,22311,342
Borrowings 16,60419,46421,4311,441038,20050,44755,11763,79769,22997,191134,014157,330
Other Liabilities 4,8375,8876,5794,9005,12911,89713,54616,14719,43222,09726,18132,66234,987
Total Liabilities 23,10027,30230,3389,6657,89253,40767,93775,85588,61697,771131,033176,917203,678
Fixed Assets 1,2581,3181,5211,3361023113064794474646231,7841,926
CWIP 1642014056041411104060130
Investments 1,6882,1162,6655,1416,5366,2117,5528,89311,67813,28217,53620,05822,463
Other Assets 19,99023,66726,1123,1311,25446,88160,06566,47276,48183,984112,813155,063179,288
Total Assets 23,10027,30230,3389,6657,89253,40767,93775,85588,61697,771131,033176,917203,678

Below is a detailed analysis of the balance sheet data for Cholamandalam Financial Holdings Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, the value is ₹19.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 19.00 Cr..
  • For Reserves, as of Sep 2024, the value is ₹11,342.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,223.00 Cr. (Mar 2024) to ₹11,342.00 Cr., marking an increase of 1,119.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹157,330.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 134,014.00 Cr. (Mar 2024) to ₹157,330.00 Cr., marking an increase of 23,316.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹34,987.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 32,662.00 Cr. (Mar 2024) to ₹34,987.00 Cr., marking an increase of 2,325.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹203,678.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 176,917.00 Cr. (Mar 2024) to ₹203,678.00 Cr., marking an increase of 26,761.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹1,926.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,784.00 Cr. (Mar 2024) to ₹1,926.00 Cr., marking an increase of 142.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 13.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹22,463.00 Cr.. The value appears strong and on an upward trend. It has increased from 20,058.00 Cr. (Mar 2024) to ₹22,463.00 Cr., marking an increase of 2,405.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹179,288.00 Cr.. The value appears strong and on an upward trend. It has increased from 155,063.00 Cr. (Mar 2024) to ₹179,288.00 Cr., marking an increase of 24,225.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹203,678.00 Cr.. The value appears strong and on an upward trend. It has increased from 176,917.00 Cr. (Mar 2024) to ₹203,678.00 Cr., marking an increase of 26,761.00 Cr..

However, the Borrowings (157,330.00 Cr.) are higher than the Reserves (₹11,342.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +-3,228-1,872-1,685-500594-6,302-9,274-1,914-9,719-5,738-29,329-35,726
Cash from Investing Activity +-838-499-461193-1,263-1,825-94-96-62-135295-2,625
Cash from Financing Activity +4,4652,6431,704748-698,28712,1712,4277,6887,07327,28838,269
Net Cash Flow398272-443441-7381602,803417-2,0931,199-1,746-82

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-14.00-17.00-18.00974.00311.00-34.00-45.00-49.00-56.00-62.00-88.00-120.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days25252531323111223
Inventory Days71788786
Days Payable10413512599
Cash Conversion Cycle-8-32-1218323111223
Working Capital Days-14-1314-90-257-255-225-221-262-284-274-220
ROCE %13%13%13%10%7%18%11%10%10%9%10%11%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters48.62%48.62%48.61%48.61%48.39%48.39%47.37%47.37%47.37%47.32%47.32%46.45%
FIIs11.66%11.82%11.76%11.60%11.99%11.31%12.92%12.87%13.78%13.73%16.28%16.37%
DIIs25.64%25.64%26.54%26.57%26.56%27.15%26.71%25.96%25.24%25.51%23.01%22.94%
Government0.00%0.00%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%
Public14.09%13.93%12.62%12.78%12.59%12.68%12.53%13.34%13.15%12.99%12.93%13.78%
No. of Shareholders21,27922,17220,96221,28921,67823,17030,62343,35832,53232,94638,45448,703

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India Growth Fund6,827,4204.12792.291,345,2332025-04-03407.53%
Axis Small Cap Fund5,339,8973.83619.671,345,2332025-04-03296.95%
ICICI Prudential India Opportunities Fund3,728,1073.52432.631,345,2332025-04-03177.13%
HDFC Mid-Cap Opportunities Fund - Regular Plan3,152,9400.75365.881,345,2332025-04-03134.38%
ICICI Prudential Banking and Financial Services2,767,5004.69321.151,345,2332025-04-03105.73%
Nippon India Tax Saver Fund1,480,7881.35171.841,345,2332025-04-0310.08%
ICICI Prudential Smallcap Fund1,345,6572.58156.161,345,2332025-04-030.03%
ICICI Prudential Value Discovery Fund1,345,2330.46156.111,345,2332025-04-030%
Nippon India Focused Equity Fund1,159,4271.88134.551,345,2332025-04-03-13.81%
Aditya Birla Sun Life Midcap Fund1,148,7023.02133.31,345,2332025-04-03-14.61%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 1.001.001.001.001.00
Basic EPS (Rs.) 94.3968.7254.5043.9329.35
Diluted EPS (Rs.) 94.3968.7254.4943.9329.34
Cash EPS (Rs.) 217.57159.44127.67101.7269.98
Book Value[Excl.RevalReserv]/Share (Rs.) 1178.06865.71726.09605.15516.88
Book Value[Incl.RevalReserv]/Share (Rs.) 1178.06865.71726.09605.15516.88
Revenue From Operations / Share (Rs.) 1373.99966.23780.16740.55699.77
PBDIT / Share (Rs.) 782.58520.69400.94381.12348.85
PBIT / Share (Rs.) 769.40511.31392.72373.37340.86
PBT / Share (Rs.) 276.88203.64162.15127.8896.20
Net Profit / Share (Rs.) 204.39150.07119.4693.9762.00
NP After MI And SOA / Share (Rs.) 94.3868.7054.5143.9329.35
PBDIT Margin (%) 56.9553.8851.3951.4649.85
PBIT Margin (%) 55.9952.9150.3350.4148.71
PBT Margin (%) 20.1521.0720.7817.2613.74
Net Profit Margin (%) 14.8715.5315.3112.688.86
NP After MI And SOA Margin (%) 6.867.116.985.934.19
Return on Networth / Equity (%) 17.3016.8415.8715.3111.99
Return on Capital Employeed (%) 50.2820.7040.0321.7025.46
Return On Assets (%) 1.000.981.040.930.72
Long Term Debt / Equity (X) 0.003.130.003.082.54
Total Debt / Equity (X) 13.0912.6910.7411.8512.01
Asset Turnover Ratio (%) 0.160.000.000.000.00
Current Ratio (X) 1.161.511.201.521.44
Quick Ratio (X) 1.161.511.201.521.44
Dividend Payout Ratio (NP) (%) 5.787.759.767.0425.54
Dividend Payout Ratio (CP) (%) 5.076.828.485.9820.08
Earning Retention Ratio (%) 94.2292.2590.2492.9674.46
Cash Earning Retention Ratio (%) 94.9393.1891.5294.0279.92
Interest Coverage Ratio (X) 1.591.691.741.551.43
Interest Coverage Ratio (Post Tax) (X) 1.411.491.521.381.25
Enterprise Value (Cr.) 162286.57112757.5182562.5874822.4458358.84
EV / Net Operating Revenue (X) 6.296.215.645.384.44
EV / EBITDA (X) 11.0411.5310.9710.468.91
MarketCap / Net Operating Revenue (X) 0.810.550.790.800.41
Retention Ratios (%) 94.2192.2490.2392.9574.45
Price / BV (X) 2.041.321.802.091.19
Price / Net Operating Revenue (X) 0.810.550.790.800.41
EarningsYield 0.080.120.080.070.10

After reviewing the key financial ratios for Cholamandalam Financial Holdings Ltd, here is a detailed analysis based on the latest available data and recent trends:

  • For FaceValue, as of Mar 24, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 94.39. This value is within the healthy range. It has increased from 68.72 (Mar 23) to 94.39, marking an increase of 25.67.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 94.39. This value is within the healthy range. It has increased from 68.72 (Mar 23) to 94.39, marking an increase of 25.67.
  • For Cash EPS (Rs.), as of Mar 24, the value is 217.57. This value is within the healthy range. It has increased from 159.44 (Mar 23) to 217.57, marking an increase of 58.13.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1,178.06. It has increased from 865.71 (Mar 23) to 1,178.06, marking an increase of 312.35.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1,178.06. It has increased from 865.71 (Mar 23) to 1,178.06, marking an increase of 312.35.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 1,373.99. It has increased from 966.23 (Mar 23) to 1,373.99, marking an increase of 407.76.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 782.58. This value is within the healthy range. It has increased from 520.69 (Mar 23) to 782.58, marking an increase of 261.89.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 769.40. This value is within the healthy range. It has increased from 511.31 (Mar 23) to 769.40, marking an increase of 258.09.
  • For PBT / Share (Rs.), as of Mar 24, the value is 276.88. This value is within the healthy range. It has increased from 203.64 (Mar 23) to 276.88, marking an increase of 73.24.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 204.39. This value is within the healthy range. It has increased from 150.07 (Mar 23) to 204.39, marking an increase of 54.32.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 94.38. This value is within the healthy range. It has increased from 68.70 (Mar 23) to 94.38, marking an increase of 25.68.
  • For PBDIT Margin (%), as of Mar 24, the value is 56.95. This value is within the healthy range. It has increased from 53.88 (Mar 23) to 56.95, marking an increase of 3.07.
  • For PBIT Margin (%), as of Mar 24, the value is 55.99. This value exceeds the healthy maximum of 20. It has increased from 52.91 (Mar 23) to 55.99, marking an increase of 3.08.
  • For PBT Margin (%), as of Mar 24, the value is 20.15. This value is within the healthy range. It has decreased from 21.07 (Mar 23) to 20.15, marking a decrease of 0.92.
  • For Net Profit Margin (%), as of Mar 24, the value is 14.87. This value exceeds the healthy maximum of 10. It has decreased from 15.53 (Mar 23) to 14.87, marking a decrease of 0.66.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 6.86. This value is below the healthy minimum of 8. It has decreased from 7.11 (Mar 23) to 6.86, marking a decrease of 0.25.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 17.30. This value is within the healthy range. It has increased from 16.84 (Mar 23) to 17.30, marking an increase of 0.46.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 50.28. This value is within the healthy range. It has increased from 20.70 (Mar 23) to 50.28, marking an increase of 29.58.
  • For Return On Assets (%), as of Mar 24, the value is 1.00. This value is below the healthy minimum of 5. It has increased from 0.98 (Mar 23) to 1.00, marking an increase of 0.02.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 3.13 (Mar 23) to 0.00, marking a decrease of 3.13.
  • For Total Debt / Equity (X), as of Mar 24, the value is 13.09. This value exceeds the healthy maximum of 1. It has increased from 12.69 (Mar 23) to 13.09, marking an increase of 0.40.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.16. It has increased from 0.00 (Mar 23) to 0.16, marking an increase of 0.16.
  • For Current Ratio (X), as of Mar 24, the value is 1.16. This value is below the healthy minimum of 1.5. It has decreased from 1.51 (Mar 23) to 1.16, marking a decrease of 0.35.
  • For Quick Ratio (X), as of Mar 24, the value is 1.16. This value is within the healthy range. It has decreased from 1.51 (Mar 23) to 1.16, marking a decrease of 0.35.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 5.78. This value is below the healthy minimum of 20. It has decreased from 7.75 (Mar 23) to 5.78, marking a decrease of 1.97.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 5.07. This value is below the healthy minimum of 20. It has decreased from 6.82 (Mar 23) to 5.07, marking a decrease of 1.75.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 94.22. This value exceeds the healthy maximum of 70. It has increased from 92.25 (Mar 23) to 94.22, marking an increase of 1.97.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 94.93. This value exceeds the healthy maximum of 70. It has increased from 93.18 (Mar 23) to 94.93, marking an increase of 1.75.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 1.59. This value is below the healthy minimum of 3. It has decreased from 1.69 (Mar 23) to 1.59, marking a decrease of 0.10.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.41. This value is below the healthy minimum of 3. It has decreased from 1.49 (Mar 23) to 1.41, marking a decrease of 0.08.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 162,286.57. It has increased from 112,757.51 (Mar 23) to 162,286.57, marking an increase of 49,529.06.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 6.29. This value exceeds the healthy maximum of 3. It has increased from 6.21 (Mar 23) to 6.29, marking an increase of 0.08.
  • For EV / EBITDA (X), as of Mar 24, the value is 11.04. This value is within the healthy range. It has decreased from 11.53 (Mar 23) to 11.04, marking a decrease of 0.49.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 0.81. This value is below the healthy minimum of 1. It has increased from 0.55 (Mar 23) to 0.81, marking an increase of 0.26.
  • For Retention Ratios (%), as of Mar 24, the value is 94.21. This value exceeds the healthy maximum of 70. It has increased from 92.24 (Mar 23) to 94.21, marking an increase of 1.97.
  • For Price / BV (X), as of Mar 24, the value is 2.04. This value is within the healthy range. It has increased from 1.32 (Mar 23) to 2.04, marking an increase of 0.72.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 0.81. This value is below the healthy minimum of 1. It has increased from 0.55 (Mar 23) to 0.81, marking an increase of 0.26.
  • For EarningsYield, as of Mar 24, the value is 0.08. This value is below the healthy minimum of 5. It has decreased from 0.12 (Mar 23) to 0.08, marking a decrease of 0.04.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Cholamandalam Financial Holdings Ltd as of April 4, 2025 is: 1,476.26

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Cholamandalam Financial Holdings Ltd is Overvalued by 13.06% compared to the current share price 1,698.00

Intrinsic Value of Cholamandalam Financial Holdings Ltd as of April 4, 2025 is: 1,775.02

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Cholamandalam Financial Holdings Ltd is Undervalued by 4.54% compared to the current share price 1,698.00

Last 5 Year EPS CAGR: 20.24%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Working Capital Days of -175.08, which is a positive sign.
  2. The company has shown consistent growth in sales (12.77 cr) and profit (137.15 cr) over the years.
  1. The stock has a low average ROCE of 11.25%, which may not be favorable.
  2. The stock has a high average Cash Conversion Cycle of 0.92, which may not be favorable.
  3. The company has higher borrowings (55,712.69) compared to reserves (4,972.85), which may suggest financial risk.

Stock Analysis

  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Cholamandalam Financial Holdings Ltd:
    1. Net Profit Margin: 14.87%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 50.28% (Industry Average ROCE: 18.65%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 17.3% (Industry Average ROE: 17.36%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.41
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.16
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 15.4 (Industry average Stock P/E: 84.4)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 13.09
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Cholamandalam Financial Holdings Ltd. is a Public Limited Listed company incorporated on 09/09/1949 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65100TN1949PLC002905 and registration number is 002905. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 86.00 Cr. and Equity Capital is Rs. 18.78 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Finance & Investments'Dare House', No. 234, NSC Bose Road, Chennai (Madras) Tamil Nadu 600001investorservices@cfhl.murugappa.com
http://www.cholafhl.com
Management
NamePosition Held
Mr. M M MurugappanChairman & Non-Exe.Director
Mr. Sridharan RangarajanNon Executive Director
Mr. Vellayan SubbiahNon Executive Director
Mrs. Vasudha SundararamanIndependent Director
Mr. B RamaratnamIndependent Director
Mr. K BalasubramanianIndependent Director

FAQ

What is the intrinsic value of Cholamandalam Financial Holdings Ltd?

Cholamandalam Financial Holdings Ltd's intrinsic value (as of 04 April 2025) is ₹1476.26 — 13.06% lower the current market price of 1,698.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 31,893 Cr. market cap, FY2025-2026 high/low of ₹2,155/1,034, reserves of 11,342 Cr, and liabilities of 203,678 Cr.

What is the Market Cap of Cholamandalam Financial Holdings Ltd?

The Market Cap of Cholamandalam Financial Holdings Ltd is 31,893 Cr..

What is the current Stock Price of Cholamandalam Financial Holdings Ltd as on 04 April 2025?

The current stock price of Cholamandalam Financial Holdings Ltd as on 04 April 2025 is 1,698.

What is the High / Low of Cholamandalam Financial Holdings Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Cholamandalam Financial Holdings Ltd stocks is ₹2,155/1,034.

What is the Stock P/E of Cholamandalam Financial Holdings Ltd?

The Stock P/E of Cholamandalam Financial Holdings Ltd is 15.4.

What is the Book Value of Cholamandalam Financial Holdings Ltd?

The Book Value of Cholamandalam Financial Holdings Ltd is 605.

What is the Dividend Yield of Cholamandalam Financial Holdings Ltd?

The Dividend Yield of Cholamandalam Financial Holdings Ltd is 0.03 %.

What is the ROCE of Cholamandalam Financial Holdings Ltd?

The ROCE of Cholamandalam Financial Holdings Ltd is 10.7 %.

What is the ROE of Cholamandalam Financial Holdings Ltd?

The ROE of Cholamandalam Financial Holdings Ltd is 19.8 %.

What is the Face Value of Cholamandalam Financial Holdings Ltd?

The Face Value of Cholamandalam Financial Holdings Ltd is 1.00.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Cholamandalam Financial Holdings Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE