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Last Updated: February 17, 2026, 5:57 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 504973 | NSE: CHOLAHLDNG

Cholamandalam Financial Holdings Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 17, 2026, 5:57 pm

Market Cap 33,019 Cr.
Current Price 1,760
Intrinsic Value₹1,820.93
High / Low 2,299/1,357
Stock P/E14.0
Book Value 728
Dividend Yield0.07 %
ROCE10.6 %
ROE19.1 %
Face Value 1.00
PEG Ratio0.83

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

View Share Price Target for Cholamandalam Financial Holdings Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
MKVentures Capital Ltd 359 Cr. 934 1,890/88476.1 2870.03 %16.6 %9.56 % 10.0
My Money Securities Ltd 59.2 Cr. 35.2 54.9/19.2 15.60.00 %44.0 %29.8 % 10.0
Nam Securities Ltd 43.1 Cr. 79.8 105/68.6215 21.60.00 %4.48 %3.22 % 10.0
ICDS Ltd 49.4 Cr. 47.6 68.5/36.621.0 23.00.00 %11.8 %6.05 % 10.0
HCKK Ventures Ltd 12.6 Cr. 34.0 165/26.584.1 12.10.00 %6.93 %5.14 % 10.0
Industry Average19,624.63 Cr1,397.43179.923,633.970.42%11.38%25.55%6.85

All Competitor Stocks of Cholamandalam Financial Holdings Ltd

Quarterly Result

MetricSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Sales 4,2984,7255,1865,6266,3176,7957,0667,6338,0908,4898,9139,2969,461
Expenses 2,1532,2122,2442,5882,8982,9782,9323,2533,5373,7723,7094,1424,359
Operating Profit 2,1452,5132,9423,0383,4193,8164,1344,3804,5534,7185,2045,1545,102
OPM % 50%53%57%54%54%56%59%57%56%56%58%55%54%
Other Income 57529789554811045911069888130
Interest 1,3471,5511,7432,0132,2092,4452,5822,7963,0583,2803,3613,4683,518
Depreciation 42445052525588707472797983
Profit before tax 8139701,2461,0621,2131,3631,5741,5591,5131,4711,8621,6961,632
Tax % 25%26%28%25%27%25%27%26%26%26%27%26%26%
Net Profit 6067209017928881,0271,1441,1601,1251,0931,3621,2601,214
EPS in Rs 15.0717.6921.7219.7822.4124.8827.3229.2027.9925.8932.6830.8129.29

Last Updated: January 2, 2026, 2:35 am

Below is a detailed analysis of the quarterly data for Cholamandalam Financial Holdings Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

  • For Sales, as of Sep 2025, the value is 9,461.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,296.00 Cr. (Jun 2025) to 9,461.00 Cr., marking an increase of 165.00 Cr..
  • For Expenses, as of Sep 2025, the value is 4,359.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,142.00 Cr. (Jun 2025) to 4,359.00 Cr., marking an increase of 217.00 Cr..
  • For Operating Profit, as of Sep 2025, the value is 5,102.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,154.00 Cr. (Jun 2025) to 5,102.00 Cr., marking a decrease of 52.00 Cr..
  • For OPM %, as of Sep 2025, the value is 54.00%. The value appears to be declining and may need further review. It has decreased from 55.00% (Jun 2025) to 54.00%, marking a decrease of 1.00%.
  • For Other Income, as of Sep 2025, the value is 130.00 Cr.. The value appears strong and on an upward trend. It has increased from 88.00 Cr. (Jun 2025) to 130.00 Cr., marking an increase of 42.00 Cr..
  • For Interest, as of Sep 2025, the value is 3,518.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,468.00 Cr. (Jun 2025) to 3,518.00 Cr., marking an increase of 50.00 Cr..
  • For Depreciation, as of Sep 2025, the value is 83.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 79.00 Cr. (Jun 2025) to 83.00 Cr., marking an increase of 4.00 Cr..
  • For Profit before tax, as of Sep 2025, the value is 1,632.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,696.00 Cr. (Jun 2025) to 1,632.00 Cr., marking a decrease of 64.00 Cr..
  • For Tax %, as of Sep 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 26.00%.
  • For Net Profit, as of Sep 2025, the value is 1,214.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,260.00 Cr. (Jun 2025) to 1,214.00 Cr., marking a decrease of 46.00 Cr..
  • For EPS in Rs, as of Sep 2025, the value is 29.29. The value appears to be declining and may need further review. It has decreased from 30.81 (Jun 2025) to 29.29, marking a decrease of 1.52.

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: December 15, 2025, 5:30 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 8,8079,6968,0042,6888,90910,92613,13513,90014,64418,15425,83033,19636,160
Expenses 5,9916,5427,0292,3774,4905,1476,5886,8077,2108,59711,38914,26915,982
Operating Profit 2,8153,1549753114,4195,7786,5477,0937,4349,55814,44118,92820,178
OPM % 32%33%12%12%50%53%50%51%51%53%56%57%56%
Other Income 291231,538102116092221256262422
Interest 1,8962,10397602,6553,5874,5924,6084,3285,7789,24912,49413,626
Depreciation 159171163177078150145154176248296313
Profit before tax 7891,0031,3742951,6952,1351,8062,4003,0443,8245,2006,4006,662
Tax % 34%32%27%30%34%34%36%27%26%26%26%26%
Net Profit 5186841,1815381,1271,4151,1651,7642,2392,8103,8514,7404,929
EPS in Rs 16.6622.6855.4724.2629.3237.1229.3443.9354.4968.7194.39115.76118.67
Dividend Payout % 12%9%9%1%4%3%2%1%1%1%1%1%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)32.05%72.66%-54.45%109.48%25.55%-17.67%51.42%26.93%25.50%37.05%23.08%
Change in YoY Net Profit Growth (%)0.00%40.61%-127.11%163.92%-83.92%-43.22%69.08%-24.49%-1.42%11.54%-13.96%

Cholamandalam Financial Holdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:13%
5 Years:20%
3 Years:31%
TTM:25%
Compounded Profit Growth
10 Years:18%
5 Years:32%
3 Years:29%
TTM:13%
Stock Price CAGR
10 Years:20%
5 Years:33%
3 Years:39%
1 Year:1%
Return on Equity
10 Years:18%
5 Years:19%
3 Years:19%
Last Year:19%

Last Updated: September 5, 2025, 1:55 am

Balance Sheet

Last Updated: December 4, 2025, 1:06 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 37373719191919191919191919
Reserves 1,9142,2903,2872,7453,2913,9254,5725,3676,4277,64210,22312,49613,651
Borrowings 19,46421,4311,441038,20050,44755,11763,79769,22997,191134,014174,366186,993
Other Liabilities 5,8876,5794,9005,12911,89713,54616,14719,43222,09726,18132,66237,73339,220
Total Liabilities 27,30230,3389,6657,89253,40767,93775,85588,61697,771131,033176,917224,615239,882
Fixed Assets 1,3181,5211,3361023113064794474646231,7842,0292,296
CWIP 201405604141110406035549
Investments 2,1162,6655,1416,5366,2117,5528,89311,67813,28217,53620,05824,27125,304
Other Assets 23,66726,1123,1311,25446,88160,06566,47276,48183,984112,813155,041198,261212,273
Total Assets 27,30230,3389,6657,89253,40767,93775,85588,61697,771131,033176,917224,615239,882

Below is a detailed analysis of the balance sheet data for Cholamandalam Financial Holdings Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2025, the value is 19.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 19.00 Cr..
  • For Reserves, as of Sep 2025, the value is 13,651.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,496.00 Cr. (Mar 2025) to 13,651.00 Cr., marking an increase of 1,155.00 Cr..
  • For Borrowings, as of Sep 2025, the value is 186,993.00 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 174,366.00 Cr. (Mar 2025) to 186,993.00 Cr., marking an increase of 12,627.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 39,220.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 37,733.00 Cr. (Mar 2025) to 39,220.00 Cr., marking an increase of 1,487.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 239,882.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 224,615.00 Cr. (Mar 2025) to 239,882.00 Cr., marking an increase of 15,267.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 2,296.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,029.00 Cr. (Mar 2025) to 2,296.00 Cr., marking an increase of 267.00 Cr..
  • For CWIP, as of Sep 2025, the value is 9.00 Cr.. The value appears to be declining and may need further review. It has decreased from 54.00 Cr. (Mar 2025) to 9.00 Cr., marking a decrease of 45.00 Cr..
  • For Investments, as of Sep 2025, the value is 25,304.00 Cr.. The value appears strong and on an upward trend. It has increased from 24,271.00 Cr. (Mar 2025) to 25,304.00 Cr., marking an increase of 1,033.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 212,273.00 Cr.. The value appears strong and on an upward trend. It has increased from 198,261.00 Cr. (Mar 2025) to 212,273.00 Cr., marking an increase of 14,012.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 239,882.00 Cr.. The value appears strong and on an upward trend. It has increased from 224,615.00 Cr. (Mar 2025) to 239,882.00 Cr., marking an increase of 15,267.00 Cr..

However, the Borrowings (186,993.00 Cr.) are higher than the Reserves (13,651.00 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 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +-1,872-1,685-500594-6,302-9,274-1,914-9,719-5,738-29,329-35,726-34,201
Cash from Investing Activity +-499-461193-1,263-1,825-94-96-62-135295-2,625-1,038
Cash from Financing Activity +2,6431,704748-698,28712,1712,4277,6887,07327,28838,26939,652
Net Cash Flow272-443441-7381602,803417-2,0931,199-1,746-824,413

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-17.00-18.00974.00311.00-34.00-45.00-49.00-56.00-62.00-88.00-120.00-156.00

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 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 2525313231112232
Inventory Days 788786
Days Payable 13512599
Cash Conversion Cycle -32-12183231112232
Working Capital Days -157-101-104-257-388-387-306-262-284-274-220-194
ROCE %13%13%10%7%18%11%10%10%9%10%11%11%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters48.61%48.39%48.39%47.37%47.37%47.37%47.32%47.32%46.45%46.45%46.44%46.42%
FIIs11.60%11.99%11.31%12.92%12.87%13.78%13.73%16.28%16.37%17.68%18.32%17.39%
DIIs26.57%26.56%27.15%26.71%25.96%25.24%25.51%23.01%22.94%21.80%21.43%22.52%
Government0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%0.46%
Public12.78%12.59%12.68%12.53%13.34%13.15%12.99%12.93%13.78%13.62%13.34%13.21%
No. of Shareholders21,28921,67823,17030,62343,35832,53232,94638,45448,70346,38050,78047,995

Shareholding Pattern Chart

No. of Shareholders

Cholamandalam Financial Holdings Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India Growth Mid Cap Fund 5,335,000 2.3 967.18N/AN/AN/A
SBI Small Cap Fund 3,928,227 1.96 712.15N/AN/AN/A
Axis Small Cap Fund 2,768,484 1.89 501.95,339,8972025-12-06 02:15:14-48.15%
HDFC Mid Cap Fund 2,264,620 0.44 410.55N/AN/AN/A
SBI Large & Midcap Fund 1,432,535 0.69 259.7N/AN/AN/A
Bandhan Small Cap Fund 1,414,592 1.35 256.451,408,5922026-01-26 07:06:460.43%
Nippon India ELSS Tax Saver Fund 1,400,000 1.66 253.811,480,7882025-12-15 01:27:31-5.46%
DSP Mid Cap Fund 1,321,849 1.22 239.64N/AN/AN/A
Axis Midcap Fund 1,200,679 0.69 217.67N/AN/AN/A
Canara Robeco Small Cap Fund 1,149,717 1.59 208.43N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 1.001.001.001.001.00
Basic EPS (Rs.) 115.7694.3968.7254.5043.93
Diluted EPS (Rs.) 115.7694.3968.7254.4943.93
Cash EPS (Rs.) 267.82217.57159.44127.67101.72
Book Value[Excl.RevalReserv]/Share (Rs.) 666.371178.06865.71726.09605.15
Book Value[Incl.RevalReserv]/Share (Rs.) 666.371178.06865.71726.09605.15
Revenue From Operations / Share (Rs.) 1763.861373.99966.23780.16740.55
PBDIT / Share (Rs.) 1021.80782.58520.69400.94381.12
PBIT / Share (Rs.) 1006.05769.40511.31392.72373.37
PBT / Share (Rs.) 340.76276.88203.64162.15127.88
Net Profit / Share (Rs.) 252.08204.39150.07119.4693.97
NP After MI And SOA / Share (Rs.) 115.7494.3868.7054.5143.93
PBDIT Margin (%) 57.9256.9553.8851.3951.46
PBIT Margin (%) 57.0355.9952.9150.3350.41
PBT Margin (%) 19.3120.1521.0720.7817.26
Net Profit Margin (%) 14.2914.8715.5315.3112.68
NP After MI And SOA Margin (%) 6.566.867.116.985.93
Return on Networth / Equity (%) 17.3617.3016.8415.8715.31
Return on Capital Employeed (%) 55.2950.2820.7040.0321.70
Return On Assets (%) 0.961.000.981.040.93
Long Term Debt / Equity (X) 0.000.003.130.003.08
Total Debt / Equity (X) 13.9313.0912.6910.7411.85
Asset Turnover Ratio (%) 0.160.160.000.000.00
Current Ratio (X) 1.151.161.511.201.52
Quick Ratio (X) 1.151.161.511.201.52
Dividend Payout Ratio (NP) (%) 0.475.787.759.767.04
Dividend Payout Ratio (CP) (%) 0.415.076.828.485.98
Earning Retention Ratio (%) 99.5394.2292.2590.2492.96
Cash Earning Retention Ratio (%) 99.5994.9393.1891.5294.02
Interest Coverage Ratio (X) 1.541.591.691.741.55
Interest Coverage Ratio (Post Tax) (X) 1.381.411.491.521.38
Enterprise Value (Cr.) 212024.84162286.57112757.5182562.5874822.44
EV / Net Operating Revenue (X) 6.406.296.215.645.38
EV / EBITDA (X) 11.0511.0411.5310.9710.46
MarketCap / Net Operating Revenue (X) 0.990.810.550.790.80
Retention Ratios (%) 99.5294.2192.2490.2392.95
Price / BV (X) 2.632.041.321.802.09
Price / Net Operating Revenue (X) 0.990.810.550.790.80
EarningsYield 0.060.080.120.080.07

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 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
  • For Basic EPS (Rs.), as of Mar 25, the value is 115.76. This value is within the healthy range. It has increased from 94.39 (Mar 24) to 115.76, marking an increase of 21.37.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 115.76. This value is within the healthy range. It has increased from 94.39 (Mar 24) to 115.76, marking an increase of 21.37.
  • For Cash EPS (Rs.), as of Mar 25, the value is 267.82. This value is within the healthy range. It has increased from 217.57 (Mar 24) to 267.82, marking an increase of 50.25.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 666.37. It has decreased from 1,178.06 (Mar 24) to 666.37, marking a decrease of 511.69.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 666.37. It has decreased from 1,178.06 (Mar 24) to 666.37, marking a decrease of 511.69.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1,763.86. It has increased from 1,373.99 (Mar 24) to 1,763.86, marking an increase of 389.87.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 1,021.80. This value is within the healthy range. It has increased from 782.58 (Mar 24) to 1,021.80, marking an increase of 239.22.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 1,006.05. This value is within the healthy range. It has increased from 769.40 (Mar 24) to 1,006.05, marking an increase of 236.65.
  • For PBT / Share (Rs.), as of Mar 25, the value is 340.76. This value is within the healthy range. It has increased from 276.88 (Mar 24) to 340.76, marking an increase of 63.88.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 252.08. This value is within the healthy range. It has increased from 204.39 (Mar 24) to 252.08, marking an increase of 47.69.
  • For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 115.74. This value is within the healthy range. It has increased from 94.38 (Mar 24) to 115.74, marking an increase of 21.36.
  • For PBDIT Margin (%), as of Mar 25, the value is 57.92. This value is within the healthy range. It has increased from 56.95 (Mar 24) to 57.92, marking an increase of 0.97.
  • For PBIT Margin (%), as of Mar 25, the value is 57.03. This value exceeds the healthy maximum of 20. It has increased from 55.99 (Mar 24) to 57.03, marking an increase of 1.04.
  • For PBT Margin (%), as of Mar 25, the value is 19.31. This value is within the healthy range. It has decreased from 20.15 (Mar 24) to 19.31, marking a decrease of 0.84.
  • For Net Profit Margin (%), as of Mar 25, the value is 14.29. This value exceeds the healthy maximum of 10. It has decreased from 14.87 (Mar 24) to 14.29, marking a decrease of 0.58.
  • For NP After MI And SOA Margin (%), as of Mar 25, the value is 6.56. This value is below the healthy minimum of 8. It has decreased from 6.86 (Mar 24) to 6.56, marking a decrease of 0.30.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 17.36. This value is within the healthy range. It has increased from 17.30 (Mar 24) to 17.36, marking an increase of 0.06.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 55.29. This value is within the healthy range. It has increased from 50.28 (Mar 24) to 55.29, marking an increase of 5.01.
  • For Return On Assets (%), as of Mar 25, the value is 0.96. This value is below the healthy minimum of 5. It has decreased from 1.00 (Mar 24) to 0.96, marking a decrease of 0.04.
  • For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
  • For Total Debt / Equity (X), as of Mar 25, the value is 13.93. This value exceeds the healthy maximum of 1. It has increased from 13.09 (Mar 24) to 13.93, marking an increase of 0.84.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. There is no change compared to the previous period (Mar 24) which recorded 0.16.
  • For Current Ratio (X), as of Mar 25, the value is 1.15. This value is below the healthy minimum of 1.5. It has decreased from 1.16 (Mar 24) to 1.15, marking a decrease of 0.01.
  • For Quick Ratio (X), as of Mar 25, the value is 1.15. This value is within the healthy range. It has decreased from 1.16 (Mar 24) to 1.15, marking a decrease of 0.01.
  • For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.47. This value is below the healthy minimum of 20. It has decreased from 5.78 (Mar 24) to 0.47, marking a decrease of 5.31.
  • For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.41. This value is below the healthy minimum of 20. It has decreased from 5.07 (Mar 24) to 0.41, marking a decrease of 4.66.
  • For Earning Retention Ratio (%), as of Mar 25, the value is 99.53. This value exceeds the healthy maximum of 70. It has increased from 94.22 (Mar 24) to 99.53, marking an increase of 5.31.
  • For Cash Earning Retention Ratio (%), as of Mar 25, the value is 99.59. This value exceeds the healthy maximum of 70. It has increased from 94.93 (Mar 24) to 99.59, marking an increase of 4.66.
  • For Interest Coverage Ratio (X), as of Mar 25, the value is 1.54. This value is below the healthy minimum of 3. It has decreased from 1.59 (Mar 24) to 1.54, marking a decrease of 0.05.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.38. This value is below the healthy minimum of 3. It has decreased from 1.41 (Mar 24) to 1.38, marking a decrease of 0.03.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 212,024.84. It has increased from 162,286.57 (Mar 24) to 212,024.84, marking an increase of 49,738.27.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.40. This value exceeds the healthy maximum of 3. It has increased from 6.29 (Mar 24) to 6.40, marking an increase of 0.11.
  • For EV / EBITDA (X), as of Mar 25, the value is 11.05. This value is within the healthy range. It has increased from 11.04 (Mar 24) to 11.05, marking an increase of 0.01.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.99. This value is below the healthy minimum of 1. It has increased from 0.81 (Mar 24) to 0.99, marking an increase of 0.18.
  • For Retention Ratios (%), as of Mar 25, the value is 99.52. This value exceeds the healthy maximum of 70. It has increased from 94.21 (Mar 24) to 99.52, marking an increase of 5.31.
  • For Price / BV (X), as of Mar 25, the value is 2.63. This value is within the healthy range. It has increased from 2.04 (Mar 24) to 2.63, marking an increase of 0.59.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.99. This value is below the healthy minimum of 1. It has increased from 0.81 (Mar 24) to 0.99, marking an increase of 0.18.
  • For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.08 (Mar 24) to 0.06, marking a decrease of 0.02.

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 February 18, 2026 is: ₹1,558.43

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 February 18, 2026, Cholamandalam Financial Holdings Ltd is Overvalued by 11.45% compared to the current share price ₹1,760.00

Intrinsic Value of Cholamandalam Financial Holdings Ltd as of February 18, 2026 is: ₹1,820.93

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 February 18, 2026, Cholamandalam Financial Holdings Ltd is Undervalued by 3.46% compared to the current share price ₹1,760.00

Last 5 Year EPS CAGR: 16.84%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Working Capital Days of -244.50, which is a positive sign.
  2. The company has shown consistent growth in sales (15.15 cr) and profit (85.77 cr) over the years.
  1. The stock has a low average ROCE of 11.08%, which may not be favorable.
  2. The stock has a high average Cash Conversion Cycle of 1.75, which may not be favorable.
  3. The company has higher borrowings (70,130.00) compared to reserves (5,986.92), 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: 14.29%
      • 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: 55.29% (Industry Average ROCE: 11.38%)
      • 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%: 17.36% (Industry Average ROE: 25.55%)
      • 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): 1.38
      • 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: 1.15
      • 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: 14 (Industry average Stock P/E: 179.92)
      • 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: 13.93
      • 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. 86.20 Cr. and Equity Capital is Rs. 18.78 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance & Investments'Dare House', No. 234, NSC Bose Road, Chennai (Madras) Tamil Nadu 600001Contact not found
Management
NamePosition Held
Mr. M M MurugappanChairman
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 17 February 2026) is ₹1820.93 which is 3.46% higher the current market price of ₹1,760.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹33,019 Cr. market cap, FY2025-2026 high/low of ₹2,299/1,357, reserves of ₹13,651 Cr, and liabilities of ₹239,882 Cr.

What is the Market Cap of Cholamandalam Financial Holdings Ltd?

The Market Cap of Cholamandalam Financial Holdings Ltd is 33,019 Cr..

What is the current Stock Price of Cholamandalam Financial Holdings Ltd as on 17 February 2026?

The current stock price of Cholamandalam Financial Holdings Ltd as on 17 February 2026 is ₹1,760.

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 ₹2,299/1,357.

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

The Stock P/E of Cholamandalam Financial Holdings Ltd is 14.0.

What is the Book Value of Cholamandalam Financial Holdings Ltd?

The Book Value of Cholamandalam Financial Holdings Ltd is 728.

What is the Dividend Yield of Cholamandalam Financial Holdings Ltd?

The Dividend Yield of Cholamandalam Financial Holdings Ltd is 0.07 %.

What is the ROCE of Cholamandalam Financial Holdings Ltd?

The ROCE of Cholamandalam Financial Holdings Ltd is 10.6 %.

What is the ROE of Cholamandalam Financial Holdings Ltd?

The ROE of Cholamandalam Financial Holdings Ltd is 19.1 %.

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
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