Share Price and Basic Stock Data
Last Updated: January 20, 2026, 8:37 pm
| PEG Ratio | 1.87 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Cholamandalam Investment & Finance Company Ltd operates in the non-banking financial company (NBFC) sector, focusing on various financial services. The company’s revenue has shown a robust upward trajectory, with reported figures rising from ₹3,017 Cr in September 2022 to ₹4,623 Cr in September 2023, marking a significant year-on-year growth. This growth trend continued into subsequent quarters, with revenue projected to reach ₹5,007 Cr in December 2023 and ₹5,410 Cr in March 2024. Over the past year, the company has effectively capitalized on market opportunities, particularly in financing and lending sectors, which contributed to a total revenue of ₹12,884 Cr for the fiscal year ending March 2023. Furthermore, the trailing twelve months (TTM) revenue stands at ₹28,537 Cr, reflecting the company’s strong operational performance and strategic market positioning.
Profitability and Efficiency Metrics
Cholamandalam’s profitability metrics are commendable, with a reported net profit of ₹4,645 Cr for the fiscal year ending March 2025, translating to an earnings per share (EPS) of ₹50.72. The net profit margin for the same period stood at 16.48%, indicating effective cost management and robust revenue generation capabilities. The interest coverage ratio (ICR) was reported at 1.48x, suggesting that the company can comfortably meet its interest obligations. Return on equity (ROE) stood at 19.7%, which is competitive against industry benchmarks, showcasing the effective use of shareholder equity to generate profits. However, the return on capital employed (ROCE) was lower at 10.3%, indicating potential areas for improvement in asset utilization and operational efficiency.
Balance Sheet Strength and Financial Ratios
Cholamandalam’s balance sheet reflects a solid financial foundation, with total assets reported at ₹201,887 Cr as of March 2025. The company’s reserves have increased significantly to ₹25,774 Cr, providing a strong buffer for future growth and potential downturns. The total debt-to-equity ratio stood at 7.40x, indicating a high level of leverage, which poses risks if not managed prudently. The price-to-book value (P/BV) ratio is reported at 5.40x, suggesting that the stock is trading at a premium compared to its book value, indicative of market confidence in the company’s growth prospects. The current ratio of 1.46x reflects a healthy liquidity position, ensuring that the company can meet its short-term obligations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Cholamandalam indicates a well-distributed ownership structure, with promoters holding 49.88% of the shares. Foreign institutional investors (FIIs) have increased their stake to 26.85%, signaling growing confidence among international investors. Domestic institutional investors (DIIs) hold 17.27%, while the public holds 6.00%. The number of shareholders stood at 1,65,068, reflecting a broad base of retail and institutional investors. This diversified ownership structure is advantageous for maintaining stability in share price and investor confidence. However, the gradual decline in promoter ownership from 51.49% in December 2022 to the current level may raise concerns about long-term commitment to the company’s strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, Cholamandalam appears poised for continued growth, driven by expanding revenue streams and a solid market position. However, risks remain, including high leverage, as indicated by the total debt-to-equity ratio of 7.40x, which could strain financial flexibility in adverse economic conditions. Additionally, fluctuations in interest rates may impact profitability due to the nature of its lending operations. The company must also navigate potential regulatory changes in the NBFC sector that could affect operational dynamics. Overall, while the financial metrics reflect a strong performance and growth potential, the management’s focus on improving operational efficiency and risk management will be critical in sustaining this upward trajectory and maintaining investor confidence.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 14.5 Cr. | 1.45 | 1.81/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.83 Cr. | 0.68 | 7.19/0.62 | 20.1 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 374 Cr. | 57.5 | 125/53.9 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.4 Cr. | 15.7 | 26.2/15.0 | 11.9 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.6 Cr. | 63.6 | 150/62.0 | 15.3 | 238 | 1.57 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,121.90 Cr | 389.68 | 51.18 | 515.00 | 0.24% | 15.81% | 8.84% | 8.50 |
All Competitor Stocks of Cholamandalam Investment & Finance Company 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,017 | 3,356 | 3,741 | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 |
| Interest | 1,340 | 1,543 | 1,734 | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 |
| Expenses | 940 | 912 | 902 | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 |
| Financing Profit | 736 | 901 | 1,105 | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 |
| Financing Margin % | 24% | 27% | 30% | 22% | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% |
| Other Income | 50 | 52 | 93 | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 |
| Depreciation | 28 | 30 | 36 | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 |
| Profit before tax | 759 | 923 | 1,163 | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 |
| Tax % | 26% | 26% | 26% | 25% | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 563 | 685 | 855 | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 |
| EPS in Rs | 6.85 | 8.33 | 10.40 | 8.64 | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: January 2, 2026, 2:35 am
Below is a detailed analysis of the quarterly data for Cholamandalam Investment & Finance Company Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 3,517.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,468.00 Cr. (Jun 2025) to 3,517.00 Cr., marking an increase of 49.00 Cr..
- For Expenses, as of Sep 2025, the value is 2,460.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,286.00 Cr. (Jun 2025) to 2,460.00 Cr., marking an increase of 174.00 Cr..
- For Other Income, as of Sep 2025, the value is 123.00 Cr.. The value appears strong and on an upward trend. It has increased from 87.00 Cr. (Jun 2025) to 123.00 Cr., marking an increase of 36.00 Cr..
- For Depreciation, as of Sep 2025, the value is 71.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 67.00 Cr. (Jun 2025) to 71.00 Cr., marking an increase of 4.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 1,566.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,532.00 Cr. (Jun 2025) to 1,566.00 Cr., marking an increase of 34.00 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 1,160.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,138.00 Cr. (Jun 2025) to 1,160.00 Cr., marking an increase of 22.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 13.78. The value appears strong and on an upward trend. It has increased from 13.53 (Jun 2025) to 13.78, marking an increase of 0.25.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,279 | 3,715 | 4,214 | 4,694 | 5,559 | 7,108 | 8,712 | 9,583 | 10,148 | 12,884 | 19,163 | 25,846 | 28,537 |
| Interest | 1,769 | 1,958 | 2,048 | 2,228 | 2,657 | 3,588 | 4,592 | 4,576 | 4,298 | 5,748 | 9,231 | 12,495 | 13,625 |
| Expenses | 932 | 1,061 | 1,266 | 1,322 | 1,451 | 1,632 | 2,421 | 2,913 | 2,926 | 3,621 | 5,385 | 7,672 | 8,795 |
| Financing Profit | 578 | 696 | 899 | 1,143 | 1,451 | 1,888 | 1,699 | 2,094 | 2,924 | 3,515 | 4,548 | 5,680 | 6,117 |
| Financing Margin % | 18% | 19% | 21% | 24% | 26% | 27% | 20% | 22% | 29% | 27% | 24% | 22% | 21% |
| Other Income | 1 | 0 | 2 | 3 | 0 | 1 | 0 | 56 | 84 | 220 | 255 | 309 | 407 |
| Depreciation | 25 | 30 | 22 | 39 | 51 | 57 | 111 | 102 | 101 | 121 | 198 | 245 | 262 |
| Profit before tax | 554 | 666 | 879 | 1,107 | 1,401 | 1,832 | 1,588 | 2,048 | 2,908 | 3,615 | 4,605 | 5,744 | 6,262 |
| Tax % | 34% | 33% | 35% | 35% | 34% | 35% | 34% | 26% | 26% | 26% | 26% | 26% | |
| Net Profit | 368 | 444 | 575 | 718 | 918 | 1,197 | 1,054 | 1,521 | 2,154 | 2,665 | 3,420 | 4,263 | 4,645 |
| EPS in Rs | 5.14 | 6.18 | 7.36 | 9.21 | 11.76 | 15.32 | 12.86 | 18.55 | 26.23 | 32.42 | 40.72 | 50.69 | 55.23 |
| Dividend Payout % | 14% | 11% | 12% | 12% | 11% | 8% | 13% | 11% | 8% | 6% | 5% | 4% |
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 (%) | 20.65% | 29.50% | 24.87% | 27.86% | 30.39% | -11.95% | 44.31% | 41.62% | 23.72% | 28.33% | 24.65% |
| Change in YoY Net Profit Growth (%) | 0.00% | 8.85% | -4.63% | 2.99% | 2.54% | -42.34% | 56.25% | -2.69% | -17.89% | 4.61% | -3.68% |
Cholamandalam Investment & Finance Company 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: | 21% |
| 5 Years: | 24% |
| 3 Years: | 37% |
| TTM: | 31% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 25% |
| 5 Years: | 32% |
| 3 Years: | 26% |
| TTM: | 22% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 44% |
| 3 Years: | 22% |
| 1 Year: | -2% |
| Return on Equity | |
|---|---|
| 10 Years: | 19% |
| 5 Years: | 20% |
| 3 Years: | 20% |
| Last Year: | 20% |
Last Updated: September 5, 2025, 1:55 am
Balance Sheet
Last Updated: December 10, 2025, 2:31 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 | 143 | 144 | 156 | 156 | 156 | 156 | 164 | 164 | 164 | 164 | 168 | 168 | 168 |
| Reserves | 2,144 | 2,531 | 3,514 | 4,142 | 4,969 | 6,052 | 8,036 | 9,436 | 11,605 | 14,182 | 19,425 | 23,500 | 25,774 |
| Borrowing | 18,075 | 19,950 | 22,546 | 24,071 | 38,330 | 50,567 | 55,005 | 63,730 | 69,174 | 97,358 | 134,475 | 175,036 | 187,663 |
| Other Liabilities | 1,182 | 1,243 | 1,673 | 2,230 | 711 | 715 | 853 | 1,314 | 1,536 | 1,923 | 2,618 | 3,182 | 3,141 |
| Total Liabilities | 21,544 | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,478 | 113,627 | 156,686 | 201,887 | 216,746 |
| Fixed Assets | 74 | 69 | 120 | 150 | 170 | 167 | 283 | 228 | 259 | 403 | 1,563 | 1,787 | 1,922 |
| CWIP | 0 | 0 | 0 | 0 | 4 | 14 | 11 | 10 | 37 | 60 | 13 | 4 | 9 |
| Investments | 39 | 25 | 16 | 182 | 23 | 42 | 33 | 1,583 | 2,055 | 3,562 | 4,036 | 6,367 | 7,140 |
| Other Assets | 21,431 | 23,775 | 27,753 | 30,266 | 43,970 | 57,267 | 63,732 | 72,823 | 80,127 | 109,602 | 151,075 | 193,729 | 207,675 |
| Total Assets | 21,544 | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,058 | 74,644 | 82,478 | 113,627 | 156,686 | 201,887 | 216,746 |
Below is a detailed analysis of the balance sheet data for Cholamandalam Investment & Finance Company 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 168.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 168.00 Cr..
- For Reserves, as of Sep 2025, the value is 25,774.00 Cr.. The value appears strong and on an upward trend. It has increased from 23,500.00 Cr. (Mar 2025) to 25,774.00 Cr., marking an increase of 2,274.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 3,141.00 Cr.. The value appears to be improving (decreasing). It has decreased from 3,182.00 Cr. (Mar 2025) to 3,141.00 Cr., marking a decrease of 41.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 216,746.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 201,887.00 Cr. (Mar 2025) to 216,746.00 Cr., marking an increase of 14,859.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,922.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,787.00 Cr. (Mar 2025) to 1,922.00 Cr., marking an increase of 135.00 Cr..
- For CWIP, as of Sep 2025, the value is 9.00 Cr.. The value appears strong and on an upward trend. It has increased from 4.00 Cr. (Mar 2025) to 9.00 Cr., marking an increase of 5.00 Cr..
- For Investments, as of Sep 2025, the value is 7,140.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,367.00 Cr. (Mar 2025) to 7,140.00 Cr., marking an increase of 773.00 Cr..
- For Other Assets, as of Sep 2025, the value is 207,675.00 Cr.. The value appears strong and on an upward trend. It has increased from 193,729.00 Cr. (Mar 2025) to 207,675.00 Cr., marking an increase of 13,946.00 Cr..
- For Total Assets, as of Sep 2025, the value is 216,746.00 Cr.. The value appears strong and on an upward trend. It has increased from 201,887.00 Cr. (Mar 2025) to 216,746.00 Cr., marking an increase of 14,859.00 Cr..
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 | 914.00 | -18.00 | -21.00 | -23.00 | -37.00 | -49.00 | -53.00 | -61.00 | -67.00 | -94.00 | -129.00 | -168.00 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 17% | 18% | 18% | 18% | 20% | 21% | 15% | 17% | 20% | 20% | 20% | 20% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Kotak Midcap Fund | 6,984,387 | 2 | 1212.49 | 6,624,645 | 2025-12-15 01:30:05 | 5.43% |
| SBI Large Cap Fund | 6,600,000 | 2.06 | 1145.76 | 6,501,744 | 2025-12-15 01:30:05 | 1.51% |
| Motilal Oswal Flexi Cap Fund | 5,877,496 | 7.13 | 1020.33 | 6,000,000 | 2025-12-08 06:25:26 | -2.04% |
| HDFC Large Cap Fund | 5,239,720 | 2.24 | 909.62 | N/A | N/A | N/A |
| Axis ELSS Tax Saver Fund | 4,272,945 | 2.11 | 741.78 | 10,610,378 | 2025-12-08 03:52:34 | -59.73% |
| Axis Focused Fund | 3,711,001 | 5.18 | 644.23 | 4,014,437 | 2025-12-15 01:30:05 | -7.56% |
| Invesco India Contra Fund | 2,912,482 | 2.45 | 505.61 | N/A | N/A | N/A |
| Motilal Oswal Large and Midcap Fund | 2,800,000 | 3.21 | 486.08 | 2,839,587 | 2025-12-15 01:30:05 | -1.39% |
| Invesco India Large & Mid Cap Fund | 2,449,413 | 4.52 | 425.22 | N/A | N/A | N/A |
| Canara Robeco Large and Mid Cap Fund | 2,440,770 | 1.62 | 423.72 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 50.72 | 41.17 | 32.44 | 26.24 | 18.55 |
| Diluted EPS (Rs.) | 50.60 | 41.06 | 32.38 | 26.19 | 18.52 |
| Cash EPS (Rs.) | 53.55 | 42.95 | 34.02 | 27.51 | 19.79 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 281.33 | 233.15 | 174.44 | 143.28 | 117.02 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 281.33 | 233.15 | 174.44 | 143.28 | 117.02 |
| Revenue From Operations / Share (Rs.) | 307.23 | 227.77 | 156.66 | 123.46 | 116.77 |
| PBDIT / Share (Rs.) | 219.68 | 167.01 | 115.32 | 88.94 | 81.99 |
| PBIT / Share (Rs.) | 216.77 | 164.66 | 113.85 | 87.72 | 80.74 |
| PBT / Share (Rs.) | 68.25 | 54.81 | 43.95 | 35.40 | 24.96 |
| Net Profit / Share (Rs.) | 50.64 | 40.59 | 32.55 | 26.28 | 18.55 |
| NP After MI And SOA / Share (Rs.) | 50.67 | 40.70 | 32.40 | 26.22 | 18.54 |
| PBDIT Margin (%) | 71.50 | 73.32 | 73.60 | 72.04 | 70.21 |
| PBIT Margin (%) | 70.55 | 72.29 | 72.66 | 71.05 | 69.14 |
| PBT Margin (%) | 22.21 | 24.06 | 28.05 | 28.67 | 21.37 |
| Net Profit Margin (%) | 16.48 | 17.82 | 20.77 | 21.28 | 15.88 |
| NP After MI And SOA Margin (%) | 16.49 | 17.86 | 20.68 | 21.23 | 15.87 |
| Return on Networth / Equity (%) | 18.01 | 17.45 | 18.57 | 18.29 | 15.84 |
| Return on Capital Employeed (%) | 27.82 | 27.76 | 24.18 | 24.74 | 25.13 |
| Return On Assets (%) | 2.11 | 2.18 | 2.34 | 2.61 | 2.03 |
| Long Term Debt / Equity (X) | 1.74 | 1.53 | 1.68 | 1.46 | 1.72 |
| Total Debt / Equity (X) | 7.40 | 6.86 | 6.79 | 5.88 | 6.64 |
| Asset Turnover Ratio (%) | 0.14 | 0.14 | 0.13 | 0.12 | 0.13 |
| Current Ratio (X) | 1.46 | 1.44 | 1.50 | 1.52 | 1.52 |
| Quick Ratio (X) | 1.46 | 1.44 | 1.50 | 1.52 | 1.52 |
| Dividend Payout Ratio (NP) (%) | 3.94 | 4.87 | 6.16 | 7.62 | 7.00 |
| Dividend Payout Ratio (CP) (%) | 3.72 | 4.60 | 5.89 | 7.28 | 6.56 |
| Earning Retention Ratio (%) | 96.06 | 95.13 | 93.84 | 92.38 | 93.00 |
| Cash Earning Retention Ratio (%) | 96.28 | 95.40 | 94.11 | 92.72 | 93.44 |
| Interest Coverage Ratio (X) | 1.48 | 1.52 | 1.65 | 1.70 | 1.47 |
| Interest Coverage Ratio (Post Tax) (X) | 1.34 | 1.37 | 1.47 | 1.50 | 1.33 |
| Enterprise Value (Cr.) | 293367.39 | 227270.25 | 156984.38 | 123872.82 | 104291.38 |
| EV / Net Operating Revenue (X) | 11.35 | 11.87 | 12.18 | 12.22 | 10.89 |
| EV / EBITDA (X) | 15.87 | 16.19 | 16.55 | 16.96 | 15.51 |
| MarketCap / Net Operating Revenue (X) | 4.95 | 5.08 | 4.86 | 5.82 | 4.79 |
| Retention Ratios (%) | 96.05 | 95.12 | 93.83 | 92.37 | 92.99 |
| Price / BV (X) | 5.40 | 4.96 | 4.37 | 5.01 | 4.78 |
| Price / Net Operating Revenue (X) | 4.95 | 5.08 | 4.86 | 5.82 | 4.79 |
| EarningsYield | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 |
After reviewing the key financial ratios for Cholamandalam Investment & Finance Company Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 50.72. This value is within the healthy range. It has increased from 41.17 (Mar 24) to 50.72, marking an increase of 9.55.
- For Diluted EPS (Rs.), as of Mar 25, the value is 50.60. This value is within the healthy range. It has increased from 41.06 (Mar 24) to 50.60, marking an increase of 9.54.
- For Cash EPS (Rs.), as of Mar 25, the value is 53.55. This value is within the healthy range. It has increased from 42.95 (Mar 24) to 53.55, marking an increase of 10.60.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 281.33. It has increased from 233.15 (Mar 24) to 281.33, marking an increase of 48.18.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 281.33. It has increased from 233.15 (Mar 24) to 281.33, marking an increase of 48.18.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 307.23. It has increased from 227.77 (Mar 24) to 307.23, marking an increase of 79.46.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 219.68. This value is within the healthy range. It has increased from 167.01 (Mar 24) to 219.68, marking an increase of 52.67.
- For PBIT / Share (Rs.), as of Mar 25, the value is 216.77. This value is within the healthy range. It has increased from 164.66 (Mar 24) to 216.77, marking an increase of 52.11.
- For PBT / Share (Rs.), as of Mar 25, the value is 68.25. This value is within the healthy range. It has increased from 54.81 (Mar 24) to 68.25, marking an increase of 13.44.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 50.64. This value is within the healthy range. It has increased from 40.59 (Mar 24) to 50.64, marking an increase of 10.05.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 50.67. This value is within the healthy range. It has increased from 40.70 (Mar 24) to 50.67, marking an increase of 9.97.
- For PBDIT Margin (%), as of Mar 25, the value is 71.50. This value is within the healthy range. It has decreased from 73.32 (Mar 24) to 71.50, marking a decrease of 1.82.
- For PBIT Margin (%), as of Mar 25, the value is 70.55. This value exceeds the healthy maximum of 20. It has decreased from 72.29 (Mar 24) to 70.55, marking a decrease of 1.74.
- For PBT Margin (%), as of Mar 25, the value is 22.21. This value is within the healthy range. It has decreased from 24.06 (Mar 24) to 22.21, marking a decrease of 1.85.
- For Net Profit Margin (%), as of Mar 25, the value is 16.48. This value exceeds the healthy maximum of 10. It has decreased from 17.82 (Mar 24) to 16.48, marking a decrease of 1.34.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 16.49. This value is within the healthy range. It has decreased from 17.86 (Mar 24) to 16.49, marking a decrease of 1.37.
- For Return on Networth / Equity (%), as of Mar 25, the value is 18.01. This value is within the healthy range. It has increased from 17.45 (Mar 24) to 18.01, marking an increase of 0.56.
- For Return on Capital Employeed (%), as of Mar 25, the value is 27.82. This value is within the healthy range. It has increased from 27.76 (Mar 24) to 27.82, marking an increase of 0.06.
- For Return On Assets (%), as of Mar 25, the value is 2.11. This value is below the healthy minimum of 5. It has decreased from 2.18 (Mar 24) to 2.11, marking a decrease of 0.07.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 1.74. This value exceeds the healthy maximum of 1. It has increased from 1.53 (Mar 24) to 1.74, marking an increase of 0.21.
- For Total Debt / Equity (X), as of Mar 25, the value is 7.40. This value exceeds the healthy maximum of 1. It has increased from 6.86 (Mar 24) to 7.40, marking an increase of 0.54.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. There is no change compared to the previous period (Mar 24) which recorded 0.14.
- For Current Ratio (X), as of Mar 25, the value is 1.46. This value is below the healthy minimum of 1.5. It has increased from 1.44 (Mar 24) to 1.46, marking an increase of 0.02.
- For Quick Ratio (X), as of Mar 25, the value is 1.46. This value is within the healthy range. It has increased from 1.44 (Mar 24) to 1.46, marking an increase of 0.02.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 3.94. This value is below the healthy minimum of 20. It has decreased from 4.87 (Mar 24) to 3.94, marking a decrease of 0.93.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 3.72. This value is below the healthy minimum of 20. It has decreased from 4.60 (Mar 24) to 3.72, marking a decrease of 0.88.
- For Earning Retention Ratio (%), as of Mar 25, the value is 96.06. This value exceeds the healthy maximum of 70. It has increased from 95.13 (Mar 24) to 96.06, marking an increase of 0.93.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 96.28. This value exceeds the healthy maximum of 70. It has increased from 95.40 (Mar 24) to 96.28, marking an increase of 0.88.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.48. This value is below the healthy minimum of 3. It has decreased from 1.52 (Mar 24) to 1.48, marking a decrease of 0.04.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.34. This value is below the healthy minimum of 3. It has decreased from 1.37 (Mar 24) to 1.34, marking a decrease of 0.03.
- For Enterprise Value (Cr.), as of Mar 25, the value is 293,367.39. It has increased from 227,270.25 (Mar 24) to 293,367.39, marking an increase of 66,097.14.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 11.35. This value exceeds the healthy maximum of 3. It has decreased from 11.87 (Mar 24) to 11.35, marking a decrease of 0.52.
- For EV / EBITDA (X), as of Mar 25, the value is 15.87. This value exceeds the healthy maximum of 15. It has decreased from 16.19 (Mar 24) to 15.87, marking a decrease of 0.32.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.95. This value exceeds the healthy maximum of 3. It has decreased from 5.08 (Mar 24) to 4.95, marking a decrease of 0.13.
- For Retention Ratios (%), as of Mar 25, the value is 96.05. This value exceeds the healthy maximum of 70. It has increased from 95.12 (Mar 24) to 96.05, marking an increase of 0.93.
- For Price / BV (X), as of Mar 25, the value is 5.40. This value exceeds the healthy maximum of 3. It has increased from 4.96 (Mar 24) to 5.40, marking an increase of 0.44.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.95. This value exceeds the healthy maximum of 3. It has decreased from 5.08 (Mar 24) to 4.95, marking a decrease of 0.13.
- For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
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 Investment & Finance Company Ltd:
- Net Profit Margin: 16.48%
- 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: 27.82% (Industry Average ROCE: 15.81%)
- 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%: 18.01% (Industry Average ROE: 8.84%)
- 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): 1.34
- 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: 1.46
- 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: 30 (Industry average Stock P/E: 51.18)
- 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: 7.4
- 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: 16.48%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Chola Crest, No.C54-55 & Super B-4, Chennai (Madras) Tamil Nadu 600032 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Vellayan Subbiah | Executive Chairman |
| Mr. Ravindra Kumar Kundu | Managing Director |
| Mr. M A M Arunachalam | Non Executive Director |
| Mr. N Ramesh Rajan | Independent Director |
| Mr. M R Kumar | Independent Director |
| Ms. Bhama Krishnamurthy | Independent Director |
| Mr. Anand Kumar | Independent Director |
| Mr. Ramkumar Ramamoorthy | Independent Director |
FAQ
What is the intrinsic value of Cholamandalam Investment & Finance Company Ltd?
Cholamandalam Investment & Finance Company Ltd's intrinsic value (as of 21 January 2026) is ₹1692.09 which is 2.55% higher the current market price of ₹1,650.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,39,258 Cr. market cap, FY2025-2026 high/low of ₹1,832/1,169, reserves of ₹25,774 Cr, and liabilities of ₹216,746 Cr.
What is the Market Cap of Cholamandalam Investment & Finance Company Ltd?
The Market Cap of Cholamandalam Investment & Finance Company Ltd is 1,39,258 Cr..
What is the current Stock Price of Cholamandalam Investment & Finance Company Ltd as on 21 January 2026?
The current stock price of Cholamandalam Investment & Finance Company Ltd as on 21 January 2026 is ₹1,650.
What is the High / Low of Cholamandalam Investment & Finance Company Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Cholamandalam Investment & Finance Company Ltd stocks is ₹1,832/1,169.
What is the Stock P/E of Cholamandalam Investment & Finance Company Ltd?
The Stock P/E of Cholamandalam Investment & Finance Company Ltd is 30.0.
What is the Book Value of Cholamandalam Investment & Finance Company Ltd?
The Book Value of Cholamandalam Investment & Finance Company Ltd is 308.
What is the Dividend Yield of Cholamandalam Investment & Finance Company Ltd?
The Dividend Yield of Cholamandalam Investment & Finance Company Ltd is 0.12 %.
What is the ROCE of Cholamandalam Investment & Finance Company Ltd?
The ROCE of Cholamandalam Investment & Finance Company Ltd is 10.3 %.
What is the ROE of Cholamandalam Investment & Finance Company Ltd?
The ROE of Cholamandalam Investment & Finance Company Ltd is 19.7 %.
What is the Face Value of Cholamandalam Investment & Finance Company Ltd?
The Face Value of Cholamandalam Investment & Finance Company Ltd is 2.00.