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Last Updated on: 04 April, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 511243 | NSE: CHOLAFIN

Cholamandalam Investment & Finance Company Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 3, 2025, 1:37 am

Market Cap 1,22,819 Cr.
Current Price 1,460
High / Low 1,652/1,099
Stock P/E30.2
Book Value 255
Dividend Yield0.14 %
ROCE10.4 %
ROE20.2 %
Face Value 2.00
PEG Ratio1.43

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

View Share Price Target for Cholamandalam Investment & Finance Company Ltd

Competitors of Cholamandalam Investment & Finance Company Ltd

Stock Name Market Cap Current Price High / Low Stock P/E Book Value Dividend Yield ROCE ROE Face Value
Minolta Finance Ltd 16.0 Cr. 1.60 1.91/0.65178 1.080.00 %0.59 %0.47 % 1.00
Money Masters Leasing & Finance Ltd 19.7 Cr. 1.96 19.5/1.7825.2 1.560.00 %2.57 %4.07 % 1.00
Moneyboxx Finance Ltd 780 Cr. 239 373/15873.3 81.00.00 %11.4 %7.45 % 10.0
Moongipa Capital Finance Ltd 18.7 Cr. 20.4 41.0/17.79.63 8.690.00 %34.9 %31.6 % 10.0
Morarka Finance Ltd 45.9 Cr. 102 191/95.016.4 3875.88 %4.04 %3.58 % 10.0
Industry Average24,789.31 Cr518.2040.07534.290.27%19.43%10.58%8.49

All Competitor Stocks of Cholamandalam Investment & Finance Company Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue2,5572,6052,7703,0173,3563,7414,1004,6235,0075,4285,8126,2556,733
Interest 1,0461,0711,1301,3401,5431,7342,0062,2042,4412,5792,7963,0593,275
Expenses 7956308799409129021,1741,3911,4121,4171,7271,8972,038
Financing Profit7179047607369011,1059201,0281,1551,4321,2891,3001,420
Financing Margin %28%35%27%24%27%30%22%22%23%26%22%21%21%
Other Income 175226505293717347884568105
Depreciation 24282828303639394675596359
Profit before tax 7109277597599231,1639521,0621,1561,4441,2751,3051,466
Tax % 26%26%26%26%26%26%25%27%25%26%26%26%26%
Net Profit 5286875625636858557107738721,0659479681,088
EPS in Rs 6.438.366.846.858.3310.408.649.4010.3912.6811.2711.5212.94
Gross NPA %
Net NPA %

Last Updated: March 3, 2025, 5:00 pm

Below is a detailed analysis of the quarterly data for Cholamandalam Investment & Finance Company Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is ₹3,275.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,059.00 Cr. (Sep 2024) to ₹3,275.00 Cr., marking an increase of 216.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹2,038.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,897.00 Cr. (Sep 2024) to ₹2,038.00 Cr., marking an increase of 141.00 Cr..
  • For Other Income, as of Dec 2024, the value is ₹105.00 Cr.. The value appears strong and on an upward trend. It has increased from 68.00 Cr. (Sep 2024) to ₹105.00 Cr., marking an increase of 37.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹59.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 63.00 Cr. (Sep 2024) to ₹59.00 Cr., marking a decrease of 4.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹1,466.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,305.00 Cr. (Sep 2024) to ₹1,466.00 Cr., marking an increase of 161.00 Cr..
  • For Tax %, as of Dec 2024, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00%.
  • For Net Profit, as of Dec 2024, the value is ₹1,088.00 Cr.. The value appears strong and on an upward trend. It has increased from 968.00 Cr. (Sep 2024) to ₹1,088.00 Cr., marking an increase of 120.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 12.94. The value appears strong and on an upward trend. It has increased from 11.52 (Sep 2024) to 12.94, marking an increase of 1.42.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:35 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue2,5703,2793,7154,2144,6945,5597,1088,7129,58310,14812,88419,16324,228
Interest 1,4101,7691,9582,0482,2282,6573,5884,5924,5764,2985,7489,23111,709
Expenses 6889321,0611,2661,3221,4511,6322,4212,9132,9263,6215,3857,079
Financing Profit4725786968991,1431,4511,8881,6992,0942,9243,5154,5485,440
Financing Margin %18%18%19%21%24%26%27%20%22%29%27%24%22%
Other Income 110230105684220255306
Depreciation 22253022395157111102101121198256
Profit before tax 4525546668791,1071,4011,8321,5882,0482,9083,6154,6055,490
Tax % 32%34%33%35%35%34%35%34%26%26%26%26%
Net Profit 3083684445757189181,1971,0541,5212,1542,6653,4204,068
EPS in Rs 4.305.146.187.369.2111.7615.3212.8618.5526.2332.4240.7248.41
Dividend Payout % 16%14%11%12%12%11%8%13%11%8%6%5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)19.48%20.65%29.50%24.87%27.86%30.39%-11.95%44.31%41.62%23.72%28.33%
Change in YoY Net Profit Growth (%)0.00%1.17%8.85%-4.63%2.99%2.54%-42.34%56.25%-2.69%-17.89%4.61%

Cholamandalam Investment & Finance Company Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:19%
5 Years:22%
3 Years:26%
TTM:39%
Compounded Profit Growth
10 Years:25%
5 Years:23%
3 Years:31%
TTM:27%
Stock Price CAGR
10 Years:28%
5 Years:63%
3 Years:27%
1 Year:21%
Return on Equity
10 Years:19%
5 Years:19%
3 Years:20%
Last Year:20%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 3:55 pm

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 143143144156156156156164164164164168168
Reserves 1,8092,1442,5313,5144,1424,9696,0528,0369,43611,60514,18219,42521,243
Deposits0000000000000
Borrowings 15,26918,07519,95022,54624,07138,33050,56755,00563,73069,17497,358134,475157,943
Other Liabilities 1,0071,1821,2431,6732,2307117158531,3141,5361,9232,6182,591
Total Liabilities 18,22821,54423,86827,88930,59844,16757,49064,05874,64482,478113,627156,686181,945
Fixed Assets 7374691201501701672832282594031,5631,669
CWIP 0000041411103760130
Investments 1723925161822342331,5832,0553,5624,0365,787
Other Assets 17,98421,43123,77527,75330,26643,97057,26763,73272,82380,127109,602151,075174,489
Total Assets 18,22821,54423,86827,88930,59844,16757,49064,05874,64482,478113,627156,686181,945

Below is a detailed analysis of the balance sheet data for Cholamandalam Investment & Finance Company Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, the value is ₹168.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 168.00 Cr..
  • For Reserves, as of Sep 2024, the value is ₹21,243.00 Cr.. The value appears strong and on an upward trend. It has increased from 19,425.00 Cr. (Mar 2024) to ₹21,243.00 Cr., marking an increase of 1,818.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹157,943.00 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 134,475.00 Cr. (Mar 2024) to ₹157,943.00 Cr., marking an increase of 23,468.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹2,591.00 Cr.. The value appears to be improving (decreasing). It has decreased from 2,618.00 Cr. (Mar 2024) to ₹2,591.00 Cr., marking a decrease of 27.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹181,945.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 156,686.00 Cr. (Mar 2024) to ₹181,945.00 Cr., marking an increase of 25,259.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹1,669.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,563.00 Cr. (Mar 2024) to ₹1,669.00 Cr., marking an increase of 106.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 13.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹5,787.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,036.00 Cr. (Mar 2024) to ₹5,787.00 Cr., marking an increase of 1,751.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹174,489.00 Cr.. The value appears strong and on an upward trend. It has increased from 151,075.00 Cr. (Mar 2024) to ₹174,489.00 Cr., marking an increase of 23,414.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹181,945.00 Cr.. The value appears strong and on an upward trend. It has increased from 156,686.00 Cr. (Mar 2024) to ₹181,945.00 Cr., marking an increase of 25,259.00 Cr..

However, the Borrowings (157,943.00 Cr.) are higher than the Reserves (₹21,243.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +-3,754-2,447-2,264-2,809-1,468-7,926-9,317-2,075-8,848-5,571-27,105-35,683
Cash from Investing Activity +5-83-40-137-222-60-11-54-1,7461,640-2,148-2,855
Cash from Financing Activity +4,0672,7491,8193,0311,6928,00912,1912,4528,7075,15027,46638,471
Net Cash Flow317219-485852222,862323-1,8881,218-1,787-66

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow688.00932.001.001.001.001.001.002.002.002.003.005.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %18%17%18%18%18%19%21%15%17%20%20%20%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters51.55%51.52%51.50%51.49%51.47%51.46%51.43%50.37%50.35%50.33%50.24%49.93%
FIIs17.61%17.96%18.69%19.38%19.63%20.92%21.51%24.73%26.00%26.63%27.17%27.43%
DIIs23.00%22.41%21.92%21.24%21.45%20.37%20.04%18.39%17.05%16.86%16.58%16.10%
Public7.84%8.11%7.90%7.88%7.44%7.25%7.03%6.51%6.61%6.19%6.02%6.56%
No. of Shareholders1,20,0691,25,5251,30,8331,30,1541,21,1841,40,5461,46,8151,40,6361,55,0551,43,0971,46,8891,76,231

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Axis ELSS Tax Saver Fund10,610,3783.751256.437,634,0032025-04-0338.99%
Axis Midcap Fund7,634,0033.68903.987,634,0032025-04-030%
SBI Blue Chip Fund7,300,0002864.437,634,0032025-04-03-4.38%
Axis Bluechip Fund6,237,1902.26738.587,634,0032025-04-03-18.3%
Motilal Oswal Flexi Cap Fund6,000,0007.78710.497,634,0032025-04-03-21.4%
Canara Robeco Emerging Equities4,348,1092.59514.887,634,0032025-04-03-43.04%
Axis Focused 25 Fund4,322,3193.69511.837,634,0032025-04-03-43.38%
Aditya Birla Sun Life Flexi Cap Fund3,786,1052.29448.337,634,0032025-04-03-50.4%
HDFC Top 100 Fund - Regular Plan3,774,7591.44446.997,634,0032025-04-03-50.55%
HDFC Mid-Cap Opportunities Fund - Regular Plan3,660,3630.73433.447,634,0032025-04-03-52.05%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 41.1732.4426.2418.5513.39
Diluted EPS (Rs.) 41.0632.3826.1918.5213.37
Cash EPS (Rs.) 42.9534.0227.5119.7914.21
Book Value[Excl.RevalReserv]/Share (Rs.) 233.15174.44143.28117.02100.01
Book Value[Incl.RevalReserv]/Share (Rs.) 233.15174.44143.28117.02100.01
Revenue From Operations / Share (Rs.) 227.77156.66123.46116.77106.26
PBDIT / Share (Rs.) 167.01115.3288.9481.9976.73
PBIT / Share (Rs.) 164.66113.8587.7280.7475.37
PBT / Share (Rs.) 54.8143.9535.4024.9619.37
Net Profit / Share (Rs.) 40.5932.5526.2818.5512.86
NP After MI And SOA / Share (Rs.) 40.7032.4026.2218.5412.85
PBDIT Margin (%) 73.3273.6072.0470.2172.21
PBIT Margin (%) 72.2972.6671.0569.1470.93
PBT Margin (%) 24.0628.0528.6721.3718.23
Net Profit Margin (%) 17.8220.7721.2815.8812.09
NP After MI And SOA Margin (%) 17.8620.6821.2315.8712.09
Return on Networth / Equity (%) 17.4518.5718.2915.8412.85
Return on Capital Employeed (%) 27.7624.1824.7425.1330.79
Return On Assets (%) 2.182.342.612.031.64
Long Term Debt / Equity (X) 1.531.681.461.721.43
Total Debt / Equity (X) 6.866.795.886.646.71
Asset Turnover Ratio (%) 0.140.130.120.130.14
Current Ratio (X) 1.441.501.521.521.43
Quick Ratio (X) 1.441.501.521.521.43
Dividend Payout Ratio (NP) (%) 4.876.167.627.0015.76
Dividend Payout Ratio (CP) (%) 4.605.897.286.5614.26
Earning Retention Ratio (%) 95.1393.8492.3893.0084.24
Cash Earning Retention Ratio (%) 95.4094.1192.7293.4485.74
Interest Coverage Ratio (X) 1.521.651.701.471.37
Interest Coverage Ratio (Post Tax) (X) 1.371.471.501.331.23
Enterprise Value (Cr.) 227270.25156984.38123872.82104291.3860545.06
EV / Net Operating Revenue (X) 11.8712.1812.2210.896.95
EV / EBITDA (X) 16.1916.5516.9615.519.62
MarketCap / Net Operating Revenue (X) 5.084.865.824.791.44
Retention Ratios (%) 95.1293.8392.3792.9984.23
Price / BV (X) 4.964.375.014.781.53
Price / Net Operating Revenue (X) 5.084.865.824.791.44
EarningsYield 0.030.040.030.030.08

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 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 41.17. This value is within the healthy range. It has increased from 32.44 (Mar 23) to 41.17, marking an increase of 8.73.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 41.06. This value is within the healthy range. It has increased from 32.38 (Mar 23) to 41.06, marking an increase of 8.68.
  • For Cash EPS (Rs.), as of Mar 24, the value is 42.95. This value is within the healthy range. It has increased from 34.02 (Mar 23) to 42.95, marking an increase of 8.93.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 233.15. It has increased from 174.44 (Mar 23) to 233.15, marking an increase of 58.71.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 233.15. It has increased from 174.44 (Mar 23) to 233.15, marking an increase of 58.71.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 227.77. It has increased from 156.66 (Mar 23) to 227.77, marking an increase of 71.11.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 167.01. This value is within the healthy range. It has increased from 115.32 (Mar 23) to 167.01, marking an increase of 51.69.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 164.66. This value is within the healthy range. It has increased from 113.85 (Mar 23) to 164.66, marking an increase of 50.81.
  • For PBT / Share (Rs.), as of Mar 24, the value is 54.81. This value is within the healthy range. It has increased from 43.95 (Mar 23) to 54.81, marking an increase of 10.86.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 40.59. This value is within the healthy range. It has increased from 32.55 (Mar 23) to 40.59, marking an increase of 8.04.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 40.70. This value is within the healthy range. It has increased from 32.40 (Mar 23) to 40.70, marking an increase of 8.30.
  • For PBDIT Margin (%), as of Mar 24, the value is 73.32. This value is within the healthy range. It has decreased from 73.60 (Mar 23) to 73.32, marking a decrease of 0.28.
  • For PBIT Margin (%), as of Mar 24, the value is 72.29. This value exceeds the healthy maximum of 20. It has decreased from 72.66 (Mar 23) to 72.29, marking a decrease of 0.37.
  • For PBT Margin (%), as of Mar 24, the value is 24.06. This value is within the healthy range. It has decreased from 28.05 (Mar 23) to 24.06, marking a decrease of 3.99.
  • For Net Profit Margin (%), as of Mar 24, the value is 17.82. This value exceeds the healthy maximum of 10. It has decreased from 20.77 (Mar 23) to 17.82, marking a decrease of 2.95.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 17.86. This value is within the healthy range. It has decreased from 20.68 (Mar 23) to 17.86, marking a decrease of 2.82.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 17.45. This value is within the healthy range. It has decreased from 18.57 (Mar 23) to 17.45, marking a decrease of 1.12.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 27.76. This value is within the healthy range. It has increased from 24.18 (Mar 23) to 27.76, marking an increase of 3.58.
  • For Return On Assets (%), as of Mar 24, the value is 2.18. This value is below the healthy minimum of 5. It has decreased from 2.34 (Mar 23) to 2.18, marking a decrease of 0.16.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 1.53. This value exceeds the healthy maximum of 1. It has decreased from 1.68 (Mar 23) to 1.53, marking a decrease of 0.15.
  • For Total Debt / Equity (X), as of Mar 24, the value is 6.86. This value exceeds the healthy maximum of 1. It has increased from 6.79 (Mar 23) to 6.86, marking an increase of 0.07.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.14. It has increased from 0.13 (Mar 23) to 0.14, marking an increase of 0.01.
  • For Current Ratio (X), as of Mar 24, the value is 1.44. This value is below the healthy minimum of 1.5. It has decreased from 1.50 (Mar 23) to 1.44, marking a decrease of 0.06.
  • For Quick Ratio (X), as of Mar 24, the value is 1.44. This value is within the healthy range. It has decreased from 1.50 (Mar 23) to 1.44, marking a decrease of 0.06.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 4.87. This value is below the healthy minimum of 20. It has decreased from 6.16 (Mar 23) to 4.87, marking a decrease of 1.29.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 4.60. This value is below the healthy minimum of 20. It has decreased from 5.89 (Mar 23) to 4.60, marking a decrease of 1.29.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 95.13. This value exceeds the healthy maximum of 70. It has increased from 93.84 (Mar 23) to 95.13, marking an increase of 1.29.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 95.40. This value exceeds the healthy maximum of 70. It has increased from 94.11 (Mar 23) to 95.40, marking an increase of 1.29.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 1.52. This value is below the healthy minimum of 3. It has decreased from 1.65 (Mar 23) to 1.52, marking a decrease of 0.13.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.37. This value is below the healthy minimum of 3. It has decreased from 1.47 (Mar 23) to 1.37, marking a decrease of 0.10.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 227,270.25. It has increased from 156,984.38 (Mar 23) to 227,270.25, marking an increase of 70,285.87.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 11.87. This value exceeds the healthy maximum of 3. It has decreased from 12.18 (Mar 23) to 11.87, marking a decrease of 0.31.
  • For EV / EBITDA (X), as of Mar 24, the value is 16.19. This value exceeds the healthy maximum of 15. It has decreased from 16.55 (Mar 23) to 16.19, marking a decrease of 0.36.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 5.08. This value exceeds the healthy maximum of 3. It has increased from 4.86 (Mar 23) to 5.08, marking an increase of 0.22.
  • For Retention Ratios (%), as of Mar 24, the value is 95.12. This value exceeds the healthy maximum of 70. It has increased from 93.83 (Mar 23) to 95.12, marking an increase of 1.29.
  • For Price / BV (X), as of Mar 24, the value is 4.96. This value exceeds the healthy maximum of 3. It has increased from 4.37 (Mar 23) to 4.96, marking an increase of 0.59.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 5.08. This value exceeds the healthy maximum of 3. It has increased from 4.86 (Mar 23) to 5.08, marking an increase of 0.22.
  • For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. It has decreased from 0.04 (Mar 23) to 0.03, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Cholamandalam Investment & Finance Company Ltd as of April 4, 2025 is: 1,246.22

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Cholamandalam Investment & Finance Company Ltd is Overvalued by 14.64% compared to the current share price 1,460.00

Intrinsic Value of Cholamandalam Investment & Finance Company Ltd as of April 4, 2025 is: 1,509.78

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Cholamandalam Investment & Finance Company Ltd is Undervalued by 3.41% compared to the current share price 1,460.00

Last 5 Year EPS CAGR: 21.15%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

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:
    1. Net Profit Margin: 17.82%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 27.76% (Industry Average ROCE: 19.43%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 17.45% (Industry Average ROE: 10.58%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.37
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.44
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 30.2 (Industry average Stock P/E: 40.07)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 6.86
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Cholamandalam Investment & Finance Company Ltd. is a Public Limited Listed company incorporated on 17/08/1978 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65993TN1978PLC007576 and registration number is 007576. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 18845.22 Cr. and Equity Capital is Rs. 168.06 Cr. for the Year ended 31/03/2024.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Chola Crest, No.C54-55 & Super B-4, Thiru-Vi-Ka lndustrial Estate, Guindy, Chennai (Madras) Tamil Nadu 600032investors@chola.murugappa.com
http://www.cholamandalam.com
Management
NamePosition Held
Mr. Vellayan SubbiahChairman & Non-Exe.Director
Mr. Ravindra Kumar KunduExecutive Director
Mr. M A M ArunachalamNon Executive Director
Mr. N Ramesh RajanIndependent Director
Mr. M R KumarIndependent Director
Ms. Bhama KrishnamurthyIndependent Director
Mr. Anand KumarIndependent Director

FAQ

What is the intrinsic value of Cholamandalam Investment & Finance Company Ltd?

Cholamandalam Investment & Finance Company Ltd's intrinsic value (as of 04 April 2025) is ₹1246.22 — 14.64% lower the current market price of ₹1,460.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,22,819 Cr. market cap, FY2025-2026 high/low of ₹1,652/1,099, reserves of 21,243 Cr, and liabilities of 181,945 Cr.

What is the Market Cap of Cholamandalam Investment & Finance Company Ltd?

The Market Cap of Cholamandalam Investment & Finance Company Ltd is 1,22,819 Cr..

What is the current Stock Price of Cholamandalam Investment & Finance Company Ltd as on 04 April 2025?

The current stock price of Cholamandalam Investment & Finance Company Ltd as on 04 April 2025 is 1,460.

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 ₹1,652/1,099.

What is the Stock P/E of Cholamandalam Investment & Finance Company Ltd?

The Stock P/E of Cholamandalam Investment & Finance Company Ltd is 30.2.

What is the Book Value of Cholamandalam Investment & Finance Company Ltd?

The Book Value of Cholamandalam Investment & Finance Company Ltd is 255.

What is the Dividend Yield of Cholamandalam Investment & Finance Company Ltd?

The Dividend Yield of Cholamandalam Investment & Finance Company Ltd is 0.14 %.

What is the ROCE of Cholamandalam Investment & Finance Company Ltd?

The ROCE of Cholamandalam Investment & Finance Company Ltd is 10.4 %.

What is the ROE of Cholamandalam Investment & Finance Company Ltd?

The ROE of Cholamandalam Investment & Finance Company Ltd is 20.2 %.

What is the Face Value of Cholamandalam Investment & Finance Company Ltd?

The Face Value of Cholamandalam Investment & Finance Company Ltd is 2.00.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Cholamandalam Investment & Finance Company Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE