Share Price and Basic Stock Data
Last Updated: January 7, 2026, 6:07 pm
| PEG Ratio | 0.94 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Cholamandalam Financial Holdings Ltd operates within the finance and investments sector, with its shares currently priced at ₹1,872 and a market capitalization of ₹35,161 Cr. The company has demonstrated robust revenue growth, as evidenced by its sales figures which increased from ₹14,644 Cr in FY 2022 to ₹18,154 Cr in FY 2023, marking a significant growth trajectory. The trailing twelve months (TTM) sales reached ₹36,160 Cr, indicating a strong upward trend. Quarterly sales have also shown consistent improvement, with ₹6,317 Cr reported in Sep 2023, and projected to rise to ₹9,461 Cr by Sep 2025. This consistent revenue growth is indicative of the company’s solid market positioning and operational effectiveness, supported by a healthy operating profit margin (OPM) of 54%. The diverse portfolio and strategic initiatives in lending and investments are expected to further bolster revenue streams, aligning with the growing demand for financial services in India.
Profitability and Efficiency Metrics
Cholamandalam’s profitability metrics reflect a robust operational model, with net profit reported at ₹4,929 Cr for the fiscal year ending March 2025. The company achieved a notable return on equity (ROE) of 19.1% and a return on capital employed (ROCE) of 10.6%, illustrating effective utilization of shareholders’ equity and capital. The operating profit margin (OPM) stood at a commendable 54%, showcasing the company’s efficiency in managing costs relative to its revenue. Moreover, the interest coverage ratio (ICR) was reported at 1.54x, indicating that the company generates sufficient earnings to cover interest expenses. The cash conversion cycle (CCC) is remarkably low at just 2 days, reflecting efficient management of working capital. These metrics position Cholamandalam favorably within the financial sector, where profitability and operational efficiency are critical for sustainable growth and shareholder value.
Balance Sheet Strength and Financial Ratios
The balance sheet of Cholamandalam Financial Holdings Ltd demonstrates significant strength, with total assets recorded at ₹224,615 Cr and total borrowings amounting to ₹186,993 Cr. This results in a debt-to-equity ratio of 13.93x, indicating a high leverage position relative to equity. However, the company has managed to maintain a current ratio of 1.15x, suggesting adequate liquidity to meet short-term obligations. Reserves have increased to ₹13,651 Cr, providing a buffer against potential financial instability. The book value per share is ₹666.37, which, when compared to the current share price, reflects a price-to-book value (P/BV) ratio of 2.63x. This valuation metric suggests that investors are willing to pay a premium for the company’s growth prospects, although it also indicates potential overvaluation relative to the intrinsic value of the assets. Overall, Cholamandalam’s financial ratios indicate a solid foundation, but the high leverage presents a risk in times of economic downturn.
Shareholding Pattern and Investor Confidence
The shareholding structure of Cholamandalam Financial Holdings Ltd reveals a diversified ownership base, with promoters holding 46.42% of the shares, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) hold 17.39% and 22.52%, respectively. The public holds a 13.21% stake, reflecting a broad base of retail investors. Over the past year, promoter holding has slightly decreased from 48.61% in Dec 2022 to the current level, indicating a gradual dilution of control. However, the increase in institutional ownership, particularly among FIIs, from 11.60% in Dec 2022 to the current 17.39%, signifies growing investor confidence in the company’s prospects. The total number of shareholders rose to 47,995, highlighting increasing interest among retail investors. This diversified shareholding pattern is a positive indicator for long-term stability and governance, as it mitigates the risks associated with concentrated ownership.
Outlook, Risks, and Final Insight
Looking ahead, Cholamandalam Financial Holdings Ltd is well-positioned to capitalize on the growing demand for financial services in India. The company’s strategy of expanding its portfolio and enhancing operational efficiency is expected to drive further growth in revenues and profitability. However, risks such as high leverage, as indicated by the debt-to-equity ratio of 13.93x, and exposure to economic cycles may impact performance during downturns. Additionally, competitive pressures within the financial sector could challenge margin sustainability. If the company can manage its leverage effectively while continuing to grow its market share, it is likely to maintain a positive trajectory. Conversely, any significant economic slowdown or adverse regulatory changes could pose challenges to its growth. Overall, Cholamandalam’s strong fundamentals and strategic positioning suggest a promising outlook, contingent upon effective risk management and operational execution.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 415 Cr. | 1,080 | 1,900/1,000 | 53.7 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 70.1 Cr. | 41.7 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 44.2 Cr. | 82.0 | 146/68.6 | 184 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 58.6 Cr. | 45.0 | 68.5/37.0 | 51.9 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.5 Cr. | 31.0 | 165/26.5 | 71.8 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,395.85 Cr | 1,489.07 | 47.61 | 3,630.28 | 0.38% | 11.38% | 25.55% | 6.85 |
All Competitor Stocks of Cholamandalam Financial Holdings Ltd
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,298 | 4,725 | 5,186 | 5,626 | 6,317 | 6,795 | 7,066 | 7,633 | 8,090 | 8,489 | 8,913 | 9,296 | 9,461 |
| Expenses | 2,153 | 2,212 | 2,244 | 2,588 | 2,898 | 2,978 | 2,932 | 3,253 | 3,537 | 3,772 | 3,709 | 4,142 | 4,359 |
| Operating Profit | 2,145 | 2,513 | 2,942 | 3,038 | 3,419 | 3,816 | 4,134 | 4,380 | 4,553 | 4,718 | 5,204 | 5,154 | 5,102 |
| OPM % | 50% | 53% | 57% | 54% | 54% | 56% | 59% | 57% | 56% | 56% | 58% | 55% | 54% |
| Other Income | 57 | 52 | 97 | 89 | 55 | 48 | 110 | 45 | 91 | 106 | 98 | 88 | 130 |
| Interest | 1,347 | 1,551 | 1,743 | 2,013 | 2,209 | 2,445 | 2,582 | 2,796 | 3,058 | 3,280 | 3,361 | 3,468 | 3,518 |
| Depreciation | 42 | 44 | 50 | 52 | 52 | 55 | 88 | 70 | 74 | 72 | 79 | 79 | 83 |
| Profit before tax | 813 | 970 | 1,246 | 1,062 | 1,213 | 1,363 | 1,574 | 1,559 | 1,513 | 1,471 | 1,862 | 1,696 | 1,632 |
| Tax % | 25% | 26% | 28% | 25% | 27% | 25% | 27% | 26% | 26% | 26% | 27% | 26% | 26% |
| Net Profit | 606 | 720 | 901 | 792 | 888 | 1,027 | 1,144 | 1,160 | 1,125 | 1,093 | 1,362 | 1,260 | 1,214 |
| EPS in Rs | 15.07 | 17.69 | 21.72 | 19.78 | 22.41 | 24.88 | 27.32 | 29.20 | 27.99 | 25.89 | 32.68 | 30.81 | 29.29 |
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.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:30 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 8,807 | 9,696 | 8,004 | 2,688 | 8,909 | 10,926 | 13,135 | 13,900 | 14,644 | 18,154 | 25,830 | 33,196 | 36,160 |
| Expenses | 5,991 | 6,542 | 7,029 | 2,377 | 4,490 | 5,147 | 6,588 | 6,807 | 7,210 | 8,597 | 11,389 | 14,269 | 15,982 |
| Operating Profit | 2,815 | 3,154 | 975 | 311 | 4,419 | 5,778 | 6,547 | 7,093 | 7,434 | 9,558 | 14,441 | 18,928 | 20,178 |
| OPM % | 32% | 33% | 12% | 12% | 50% | 53% | 50% | 51% | 51% | 53% | 56% | 57% | 56% |
| Other Income | 29 | 123 | 1,538 | 1 | 0 | 21 | 1 | 60 | 92 | 221 | 256 | 262 | 422 |
| Interest | 1,896 | 2,103 | 976 | 0 | 2,655 | 3,587 | 4,592 | 4,608 | 4,328 | 5,778 | 9,249 | 12,494 | 13,626 |
| Depreciation | 159 | 171 | 163 | 17 | 70 | 78 | 150 | 145 | 154 | 176 | 248 | 296 | 313 |
| Profit before tax | 789 | 1,003 | 1,374 | 295 | 1,695 | 2,135 | 1,806 | 2,400 | 3,044 | 3,824 | 5,200 | 6,400 | 6,662 |
| Tax % | 34% | 32% | 27% | 30% | 34% | 34% | 36% | 27% | 26% | 26% | 26% | 26% | |
| Net Profit | 518 | 684 | 1,181 | 538 | 1,127 | 1,415 | 1,165 | 1,764 | 2,239 | 2,810 | 3,851 | 4,740 | 4,929 |
| EPS in Rs | 16.66 | 22.68 | 55.47 | 24.26 | 29.32 | 37.12 | 29.34 | 43.93 | 54.49 | 68.71 | 94.39 | 115.76 | 118.67 |
| Dividend Payout % | 12% | 9% | 9% | 1% | 4% | 3% | 2% | 1% | 1% | 1% | 1% | 1% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 37 | 37 | 37 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
| Reserves | 1,914 | 2,290 | 3,287 | 2,745 | 3,291 | 3,925 | 4,572 | 5,367 | 6,427 | 7,642 | 10,223 | 12,496 | 13,651 |
| Borrowings | 19,464 | 21,431 | 1,441 | 0 | 38,200 | 50,447 | 55,117 | 63,797 | 69,229 | 97,191 | 134,014 | 174,366 | 186,993 |
| Other Liabilities | 5,887 | 6,579 | 4,900 | 5,129 | 11,897 | 13,546 | 16,147 | 19,432 | 22,097 | 26,181 | 32,662 | 37,733 | 39,220 |
| Total Liabilities | 27,302 | 30,338 | 9,665 | 7,892 | 53,407 | 67,937 | 75,855 | 88,616 | 97,771 | 131,033 | 176,917 | 224,615 | 239,882 |
| Fixed Assets | 1,318 | 1,521 | 1,336 | 102 | 311 | 306 | 479 | 447 | 464 | 623 | 1,784 | 2,029 | 2,296 |
| CWIP | 201 | 40 | 56 | 0 | 4 | 14 | 11 | 10 | 40 | 60 | 35 | 54 | 9 |
| Investments | 2,116 | 2,665 | 5,141 | 6,536 | 6,211 | 7,552 | 8,893 | 11,678 | 13,282 | 17,536 | 20,058 | 24,271 | 25,304 |
| Other Assets | 23,667 | 26,112 | 3,131 | 1,254 | 46,881 | 60,065 | 66,472 | 76,481 | 83,984 | 112,813 | 155,041 | 198,261 | 212,273 |
| Total Assets | 27,302 | 30,338 | 9,665 | 7,892 | 53,407 | 67,937 | 75,855 | 88,616 | 97,771 | 131,033 | 176,917 | 224,615 | 239,882 |
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.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -17.00 | -18.00 | 974.00 | 311.00 | -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.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 25 | 25 | 31 | 32 | 3 | 1 | 1 | 1 | 2 | 2 | 3 | 2 |
| Inventory Days | 78 | 87 | 86 | |||||||||
| Days Payable | 135 | 125 | 99 | |||||||||
| Cash Conversion Cycle | -32 | -12 | 18 | 32 | 3 | 1 | 1 | 1 | 2 | 2 | 3 | 2 |
| 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% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Nippon India Growth Mid Cap Fund | 5,335,000 | 2.34 | 984.95 | N/A | N/A | N/A |
| SBI Small Cap Fund | 3,928,227 | 2 | 725.23 | N/A | N/A | N/A |
| Axis Small Cap Fund | 2,768,484 | 1.91 | 511.12 | 5,339,897 | 2025-12-06 02:15:14 | -48.15% |
| HDFC Mid Cap Fund | 2,264,620 | 0.45 | 418.09 | N/A | N/A | N/A |
| SBI Large & Midcap Fund | 1,432,535 | 0.71 | 264.47 | N/A | N/A | N/A |
| Bandhan Small Cap Fund | 1,408,592 | 1.43 | 260.05 | N/A | N/A | N/A |
| Nippon India ELSS Tax Saver Fund | 1,400,000 | 1.67 | 258.47 | 1,480,788 | 2025-12-15 01:27:31 | -5.46% |
| DSP Mid Cap Fund | 1,321,849 | 1.23 | 244.04 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 1,149,717 | 1.63 | 212.26 | N/A | N/A | N/A |
| Invesco India Smallcap Fund | 1,083,146 | 2.22 | 199.97 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 115.76 | 94.39 | 68.72 | 54.50 | 43.93 |
| Diluted EPS (Rs.) | 115.76 | 94.39 | 68.72 | 54.49 | 43.93 |
| Cash EPS (Rs.) | 267.82 | 217.57 | 159.44 | 127.67 | 101.72 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 666.37 | 1178.06 | 865.71 | 726.09 | 605.15 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 666.37 | 1178.06 | 865.71 | 726.09 | 605.15 |
| Revenue From Operations / Share (Rs.) | 1763.86 | 1373.99 | 966.23 | 780.16 | 740.55 |
| PBDIT / Share (Rs.) | 1021.80 | 782.58 | 520.69 | 400.94 | 381.12 |
| PBIT / Share (Rs.) | 1006.05 | 769.40 | 511.31 | 392.72 | 373.37 |
| PBT / Share (Rs.) | 340.76 | 276.88 | 203.64 | 162.15 | 127.88 |
| Net Profit / Share (Rs.) | 252.08 | 204.39 | 150.07 | 119.46 | 93.97 |
| NP After MI And SOA / Share (Rs.) | 115.74 | 94.38 | 68.70 | 54.51 | 43.93 |
| PBDIT Margin (%) | 57.92 | 56.95 | 53.88 | 51.39 | 51.46 |
| PBIT Margin (%) | 57.03 | 55.99 | 52.91 | 50.33 | 50.41 |
| PBT Margin (%) | 19.31 | 20.15 | 21.07 | 20.78 | 17.26 |
| Net Profit Margin (%) | 14.29 | 14.87 | 15.53 | 15.31 | 12.68 |
| NP After MI And SOA Margin (%) | 6.56 | 6.86 | 7.11 | 6.98 | 5.93 |
| Return on Networth / Equity (%) | 17.36 | 17.30 | 16.84 | 15.87 | 15.31 |
| Return on Capital Employeed (%) | 55.29 | 50.28 | 20.70 | 40.03 | 21.70 |
| Return On Assets (%) | 0.96 | 1.00 | 0.98 | 1.04 | 0.93 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 3.13 | 0.00 | 3.08 |
| Total Debt / Equity (X) | 13.93 | 13.09 | 12.69 | 10.74 | 11.85 |
| Asset Turnover Ratio (%) | 0.16 | 0.16 | 0.00 | 0.00 | 0.00 |
| Current Ratio (X) | 1.15 | 1.16 | 1.51 | 1.20 | 1.52 |
| Quick Ratio (X) | 1.15 | 1.16 | 1.51 | 1.20 | 1.52 |
| Dividend Payout Ratio (NP) (%) | 0.47 | 5.78 | 7.75 | 9.76 | 7.04 |
| Dividend Payout Ratio (CP) (%) | 0.41 | 5.07 | 6.82 | 8.48 | 5.98 |
| Earning Retention Ratio (%) | 99.53 | 94.22 | 92.25 | 90.24 | 92.96 |
| Cash Earning Retention Ratio (%) | 99.59 | 94.93 | 93.18 | 91.52 | 94.02 |
| Interest Coverage Ratio (X) | 1.54 | 1.59 | 1.69 | 1.74 | 1.55 |
| Interest Coverage Ratio (Post Tax) (X) | 1.38 | 1.41 | 1.49 | 1.52 | 1.38 |
| Enterprise Value (Cr.) | 212024.84 | 162286.57 | 112757.51 | 82562.58 | 74822.44 |
| EV / Net Operating Revenue (X) | 6.40 | 6.29 | 6.21 | 5.64 | 5.38 |
| EV / EBITDA (X) | 11.05 | 11.04 | 11.53 | 10.97 | 10.46 |
| MarketCap / Net Operating Revenue (X) | 0.99 | 0.81 | 0.55 | 0.79 | 0.80 |
| Retention Ratios (%) | 99.52 | 94.21 | 92.24 | 90.23 | 92.95 |
| Price / BV (X) | 2.63 | 2.04 | 1.32 | 1.80 | 2.09 |
| Price / Net Operating Revenue (X) | 0.99 | 0.81 | 0.55 | 0.79 | 0.80 |
| EarningsYield | 0.06 | 0.08 | 0.12 | 0.08 | 0.07 |
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.
Strength and Weakness
| Strength | Weakness |
|---|---|
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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:
- 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.
- 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.
- 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.
- 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.
- 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.
- Stock P/E: 15.9 (Industry average Stock P/E: 47.61)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 14.29%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance & Investments | 'Dare House', No. 234, NSC Bose Road, Chennai (Madras) Tamil Nadu 600001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. M M Murugappan | Chairman |
| Mr. Sridharan Rangarajan | Non Executive Director |
| Mr. Vellayan Subbiah | Non Executive Director |
| Mrs. Vasudha Sundararaman | Independent Director |
| Mr. B Ramaratnam | Independent Director |
| Mr. K Balasubramanian | Independent Director |
FAQ
What is the intrinsic value of Cholamandalam Financial Holdings Ltd?
Cholamandalam Financial Holdings Ltd's intrinsic value (as of 07 January 2026) is ₹1769.93 which is 5.75% lower the current market price of ₹1,878.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹35,440 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 35,440 Cr..
What is the current Stock Price of Cholamandalam Financial Holdings Ltd as on 07 January 2026?
The current stock price of Cholamandalam Financial Holdings Ltd as on 07 January 2026 is ₹1,878.
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 15.9.
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.