Share Price and Basic Stock Data
Last Updated: December 26, 2025, 8:38 pm
| PEG Ratio | 0.93 |
|---|
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 & Investments sector, showcasing a remarkable growth trajectory in its revenue streams. For the fiscal year ending March 2025, the company reported sales of ₹33,196 Cr, a significant increase from ₹18,154 Cr in March 2023, indicating a robust year-on-year growth. Quarterly sales figures also reflect this upward trend, with the latest quarter ending June 2025 recording sales of ₹9,296 Cr, compared to ₹5,626 Cr in June 2023. This growth can be attributed to the company’s strategic initiatives in expanding its service offerings, which have resonated well with the increasing demand for financial products in India. The operating profit margin (OPM) has consistently remained high, reported at 57% for March 2025, further solidifying Cholamandalam’s position in a competitive market. Overall, the company’s ability to adapt and grow within the financial landscape is commendable, setting a positive tone for future performance.
Profitability and Efficiency Metrics
Cholamandalam’s profitability metrics depict a resilient financial health, with a reported net profit of ₹4,740 Cr for the fiscal year ending March 2025, up from ₹2,810 Cr in March 2023. The net profit margin stood at 14.29%, reflecting efficient cost management alongside revenue growth. The return on equity (ROE) is strong at 19.1%, indicating that the company effectively utilizes shareholders’ equity to generate profits. The interest coverage ratio (ICR) of 1.54x suggests that the company can comfortably cover its interest obligations, although it has seen a slight decline from previous years. Additionally, the cash conversion cycle remains efficient at 2 days, signifying the company’s adeptness at managing its working capital. The operating profit margin (OPM) has also shown stability, standing at 57% for March 2025, which is indicative of effective operational efficiency and profitability strategies within the firm.
Balance Sheet Strength and Financial Ratios
The balance sheet of Cholamandalam Financial Holdings showcases a solid financial foundation, with total assets reported at ₹224,615 Cr as of March 2025, up from ₹131,033 Cr in March 2023. The company’s borrowings have escalated to ₹186,993 Cr, which requires careful monitoring given the high debt-to-equity ratio of 13.93x. Despite this high leverage, the company has maintained a reasonable interest coverage ratio of 1.54x, indicating its capacity to manage debt servicing. Reserves have also grown to ₹13,651 Cr, providing a cushion against economic uncertainties. The price-to-book value ratio stands at 2.63x, reflecting the market’s confidence in the company’s growth potential relative to its equity. Furthermore, the return on capital employed (ROCE) is reported at 11%, suggesting that the company is generating a satisfactory return on its invested capital, a crucial metric for assessing long-term financial viability.
Shareholding Pattern and Investor Confidence
Cholamandalam’s shareholding structure reveals a diverse investor base, with promoters holding 46.42% as of September 2025, reflecting a stable control of the company. Institutional investors, comprising Foreign Institutional Investors (FIIs) at 17.39% and Domestic Institutional Investors (DIIs) at 22.52%, highlight strong institutional confidence in the company’s prospects. The number of shareholders has increased significantly to 47,995, indicating growing retail interest and confidence in Cholamandalam’s financial health. This broadening of the shareholder base can be seen as a positive indicator of the company’s reputation and market position. However, the gradual decline in promoter shareholding from 48.61% in December 2022 to the current level might raise questions about long-term strategic alignment. Nonetheless, the overall shareholding pattern suggests a balanced approach to governance and capital allocation, which is critical for sustaining investor confidence.
Outlook, Risks, and Final Insight
The outlook for Cholamandalam Financial Holdings appears positive, driven by strong revenue growth and solid fundamentals. However, risks associated with high leverage and increasing borrowings pose potential challenges, particularly in a fluctuating interest rate environment. The company must continue to manage its debt effectively while ensuring that its profitability metrics remain robust. Additionally, regulatory changes in the finance and investment sector could impact operational dynamics, necessitating agility in response strategies. The company’s ability to innovate and expand its product offerings will be pivotal in maintaining its competitive edge. In conclusion, while Cholamandalam is well-positioned for growth, it must navigate the inherent risks with strategic foresight to sustain its upward trajectory in the financial landscape.
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 | 407 Cr. | 1,060 | 2,037/1,000 | 52.7 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 77.4 Cr. | 46.1 | 55.8/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 44.9 Cr. | 83.3 | 161/68.6 | 187 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 56.8 Cr. | 43.6 | 68.5/37.0 | 50.3 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.7 Cr. | 31.6 | 165/26.5 | 73.2 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,865.30 Cr | 1,496.89 | 47.86 | 3,630.28 | 0.38% | 11.38% | 25.55% | 6.85 |
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: 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: 15.7 (Industry average Stock P/E: 47.86)
- 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 26 December 2025) is 1747.67 which is 5.94% lower the current market price of 1,858.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 34,931 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 34,931 Cr..
What is the current Stock Price of Cholamandalam Financial Holdings Ltd as on 26 December 2025?
The current stock price of Cholamandalam Financial Holdings Ltd as on 26 December 2025 is 1,858.
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 15.7.
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.