Share Price and Basic Stock Data
Last Updated: November 22, 2025, 8:13 am
| PEG Ratio | 0.92 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Cholamandalam Financial Holdings Ltd operates in the finance and investments sector, with a current share price of ₹1,890 and a market capitalization of ₹35,625 Cr. The company has shown a robust growth trajectory in its sales, which increased from ₹14,644 Cr in FY 2022 to ₹18,154 Cr in FY 2023, and is expected to reach ₹25,830 Cr in FY 2024 and ₹33,196 Cr in FY 2025. This consistent rise reflects a compound annual growth rate (CAGR) that underscores the company’s expanding market presence. Quarterly sales figures also reveal an upward trend, with Q1 FY 2025 reporting ₹7,066 Cr, up from ₹5,186 Cr in Q4 FY 2023. This growth is indicative of effective market strategies and a strong demand for their financial products, further supported by a healthy operating profit margin (OPM) of 55%. The company’s robust revenue generation is complemented by its strategic focus on enhancing customer engagement and leveraging technological advancements in services.
Profitability and Efficiency Metrics
Cholamandalam Financial Holdings has demonstrated solid profitability metrics, with a net profit of ₹4,929 Cr reported for TTM, reflecting a net profit margin of 14.29% for FY 2025. The company’s operating profit margin (OPM) has remained consistently high, reported at 57% for FY 2025, illustrating effective cost management and operational efficiency. The return on equity (ROE) stood at 19.1%, while the return on capital employed (ROCE) was noted at 10.6%, indicating strong returns relative to shareholder equity and capital investments. Furthermore, the interest coverage ratio (ICR) of 1.54x suggests that the company is comfortably positioned to meet its interest obligations, although it remains below the preferred range of 2.0 to 3.0 for financial institutions. The cash conversion cycle (CCC) of 2 days highlights efficient working capital management, although the company’s total debt to equity ratio of 13.93x raises concerns regarding leverage, necessitating careful monitoring of financial risks.
Balance Sheet Strength and Financial Ratios
The balance sheet of Cholamandalam Financial Holdings reflects a significant reliance on debt, with total borrowings reported at ₹186,993 Cr against reserves of ₹13,651 Cr. This high debt level, alongside a total liabilities figure of ₹239,882 Cr, positions the company in a leveraged state, which could pose risks if not managed prudently. The book value per share, reported at ₹666.37, provides a cushion for shareholders, although the price-to-book value (P/BV) ratio of 2.63x suggests that the stock is trading at a premium relative to its book value. The current ratio of 1.15 and quick ratio of 1.15 indicate that the company has adequate liquidity to cover short-term obligations. However, the asset turnover ratio of 0.16% suggests that the company may not be utilizing its assets as efficiently as possible. Overall, while the company’s balance sheet shows some robustness, the high leverage warrants a cautious approach to future growth and investment strategies.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Cholamandalam Financial Holdings indicates a diversified ownership structure, with promoters holding 46.42%, foreign institutional investors (FIIs) at 17.39%, domestic institutional investors (DIIs) at 22.52%, and the public accounting for 13.21%. This distribution reflects a balanced mix of institutional and retail investor confidence, which is crucial for maintaining stock stability. The increase in FII participation from 11.60% in December 2022 to 17.39% in September 2025 signals growing international confidence in the company’s prospects. On the other hand, promoter holdings have seen a gradual decline from 48.61% in December 2022, which may raise questions about insider sentiment. The number of shareholders has risen significantly from 21,289 in December 2022 to 47,995 by September 2025, indicating heightened retail interest and participation in the company’s growth story, which is a positive sign for future fundraising capabilities.
Outlook, Risks, and Final Insight
Cholamandalam Financial Holdings stands poised for continued growth, backed by strong revenue trends and a solid operational framework. However, the high levels of debt present a risk that could impact financial stability if market conditions deteriorate or interest rates rise. Additionally, the company must ensure that it manages its operational efficiency to improve the asset turnover ratio, which is currently low. On the upside, if the company can leverage technological advancements and maintain its profitability margins, it could see enhanced market valuation and investor interest. The mix of institutional and retail shareholders provides a stable base, yet the decline in promoter shareholding may necessitate further scrutiny. Overall, Cholamandalam’s strong fundamentals suggest that it can navigate potential challenges effectively, but maintaining a balance between growth and financial prudence will be crucial for long-term success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 464 Cr. | 1,206 | 2,400/1,151 | 60.0 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| Modern Shares & Stockbrokers Ltd | 12.2 Cr. | 41.7 | 67.7/36.4 | 48.9 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| My Money Securities Ltd | 65.7 Cr. | 39.1 | 62.6/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 47.5 Cr. | 88.0 | 170/68.6 | 198 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 54.8 Cr. | 44.5 | 76.2/37.0 | 48.4 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| Industry Average | 20,602.00 Cr | 1,506.10 | 48.45 | 3,524.81 | 0.37% | 11.14% | 24.85% | 6.94 |
All Competitor Stocks of Cholamandalam Financial Holdings Ltd
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,937 | 4,298 | 4,725 | 5,186 | 5,626 | 6,317 | 6,795 | 7,066 | 7,633 | 8,090 | 8,489 | 8,913 | 9,296 |
| Expenses | 1,999 | 2,153 | 2,212 | 2,244 | 2,588 | 2,898 | 2,978 | 2,932 | 3,253 | 3,537 | 3,772 | 3,709 | 4,142 |
| Operating Profit | 1,938 | 2,145 | 2,513 | 2,942 | 3,038 | 3,419 | 3,816 | 4,134 | 4,380 | 4,553 | 4,718 | 5,204 | 5,154 |
| OPM % | 49% | 50% | 53% | 57% | 54% | 54% | 56% | 59% | 57% | 56% | 56% | 58% | 55% |
| Other Income | 26 | 57 | 52 | 97 | 89 | 55 | 48 | 110 | 45 | 91 | 106 | 98 | 88 |
| Interest | 1,137 | 1,347 | 1,551 | 1,743 | 2,013 | 2,209 | 2,445 | 2,582 | 2,796 | 3,058 | 3,280 | 3,361 | 3,468 |
| Depreciation | 41 | 42 | 44 | 50 | 52 | 52 | 55 | 88 | 70 | 74 | 72 | 79 | 79 |
| Profit before tax | 786 | 813 | 970 | 1,246 | 1,062 | 1,213 | 1,363 | 1,574 | 1,559 | 1,513 | 1,471 | 1,862 | 1,696 |
| Tax % | 26% | 25% | 26% | 28% | 25% | 27% | 25% | 27% | 26% | 26% | 26% | 27% | 26% |
| Net Profit | 582 | 606 | 720 | 901 | 792 | 888 | 1,027 | 1,144 | 1,160 | 1,125 | 1,093 | 1,362 | 1,260 |
| EPS in Rs | 14.25 | 15.07 | 17.69 | 21.72 | 19.78 | 22.41 | 24.88 | 27.32 | 29.20 | 27.99 | 25.89 | 32.68 | 30.81 |
Last Updated: August 20, 2025, 12:15 pm
Below is a detailed analysis of the quarterly data for Cholamandalam Financial Holdings Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 9,296.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,913.00 Cr. (Mar 2025) to 9,296.00 Cr., marking an increase of 383.00 Cr..
- For Expenses, as of Jun 2025, the value is 4,142.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,709.00 Cr. (Mar 2025) to 4,142.00 Cr., marking an increase of 433.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 5,154.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,204.00 Cr. (Mar 2025) to 5,154.00 Cr., marking a decrease of 50.00 Cr..
- For OPM %, as of Jun 2025, the value is 55.00%. The value appears to be declining and may need further review. It has decreased from 58.00% (Mar 2025) to 55.00%, marking a decrease of 3.00%.
- For Other Income, as of Jun 2025, the value is 88.00 Cr.. The value appears to be declining and may need further review. It has decreased from 98.00 Cr. (Mar 2025) to 88.00 Cr., marking a decrease of 10.00 Cr..
- For Interest, as of Jun 2025, the value is 3,468.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,361.00 Cr. (Mar 2025) to 3,468.00 Cr., marking an increase of 107.00 Cr..
- For Depreciation, as of Jun 2025, the value is 79.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 79.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 1,696.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,862.00 Cr. (Mar 2025) to 1,696.00 Cr., marking a decrease of 166.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Mar 2025) to 26.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 1,260.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,362.00 Cr. (Mar 2025) to 1,260.00 Cr., marking a decrease of 102.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 30.81. The value appears to be declining and may need further review. It has decreased from 32.68 (Mar 2025) to 30.81, marking a decrease of 1.87.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 5:34 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: November 9, 2025, 1:50 pm
| 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 Fund | 6,827,420 | 4.12 | 792.29 | 6,827,420 | 2025-04-22 17:25:38 | 0% |
| Axis Small Cap Fund | 5,339,897 | 3.83 | 619.67 | 5,339,897 | 2025-04-22 17:25:38 | 0% |
| ICICI Prudential India Opportunities Fund | 3,728,107 | 3.52 | 432.63 | 3,728,107 | 2025-04-22 17:25:38 | 0% |
| HDFC Mid-Cap Opportunities Fund - Regular Plan | 3,152,940 | 0.75 | 365.88 | 3,152,940 | 2025-04-22 13:31:13 | 0% |
| ICICI Prudential Banking and Financial Services | 2,767,500 | 4.69 | 321.15 | 2,767,500 | 2025-04-22 15:56:59 | 0% |
| Nippon India Tax Saver Fund | 1,480,788 | 1.35 | 171.84 | 1,480,788 | 2025-04-22 15:56:59 | 0% |
| ICICI Prudential Smallcap Fund | 1,345,657 | 2.58 | 156.16 | 1,345,657 | 2025-04-22 17:25:38 | 0% |
| ICICI Prudential Value Discovery Fund | 1,345,233 | 0.46 | 156.11 | 1,345,233 | 2025-04-22 17:25:38 | 0% |
| Nippon India Focused Equity Fund | 1,159,427 | 1.88 | 134.55 | 1,159,427 | 2025-04-22 15:56:59 | 0% |
| Aditya Birla Sun Life Midcap Fund | 1,148,702 | 3.02 | 133.3 | 1,148,702 | 2025-04-22 15:56:59 | 0% |
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: 11.14%)
- 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: 24.85%)
- 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: 15.5 (Industry average Stock P/E: 48.45)
- 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 | investorservices@cfhl.murugappa.com http://www.cholafhl.com |
| 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 22 November 2025) is 1725.40 which is 6.43% lower the current market price of 1,844.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 34,623 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 34,623 Cr..
What is the current Stock Price of Cholamandalam Financial Holdings Ltd as on 22 November 2025?
The current stock price of Cholamandalam Financial Holdings Ltd as on 22 November 2025 is 1,844.
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 15.5.
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.