Share Price and Basic Stock Data
Last Updated: December 12, 2025, 6:15 am
| PEG Ratio | 2.07 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Cholamandalam Investment & Finance Company Ltd, a prominent player in the Non-Banking Financial Company (NBFC) sector, has showcased impressive revenue growth over the past few years. The revenue reported for FY 2023 stood at ₹12,884 Cr, which marked a significant rise from ₹10,148 Cr in FY 2022. This upward trend has continued into FY 2024, where revenues are anticipated to reach ₹19,163 Cr. Interestingly, the quarterly data reveals a consistent increase, with the latest quarter ending June 2024 reporting revenues of ₹5,812 Cr, up from ₹4,100 Cr in June 2023. Such robust growth underscores the company’s effective strategies in tapping into the evolving financing needs of its customer base, particularly in the vehicle and housing finance segments. Additionally, the financing profit margin has remained relatively stable, indicating a solid operational execution amidst a challenging economic environment.
Profitability and Efficiency Metrics
Cholamandalam’s profitability metrics reflect a healthy financial performance, with a net profit of ₹4,453 Cr for FY 2025, showing a marked increase from ₹2,665 Cr in FY 2023. The company has maintained a commendable return on equity (ROE) of 19.7%, which stands well above many of its peers in the NBFC sector. This is complemented by a return on capital employed (ROCE) of 10.3%, suggesting effective utilization of capital. However, the interest coverage ratio (ICR) of 1.48x indicates a cautious approach to debt servicing. While this is manageable, it does suggest that the company must maintain its profitability to comfortably cover interest obligations. Moreover, the net profit margin has shown resilience, standing at 16.48% for FY 2025, reflecting efficient cost management and operational robustness despite rising expenses, which saw an increase to ₹7,672 Cr in FY 2025.
Balance Sheet Strength and Financial Ratios
The balance sheet of Cholamandalam Investment & Finance Company appears robust, with total assets reported at ₹201,887 Cr in FY 2025, up from ₹156,686 Cr in FY 2024. This growth is primarily driven by an increase in borrowings, which stood at ₹175,036 Cr, indicating the company’s aggressive stance in financing growth opportunities. The equity capital has remained stable at ₹168 Cr, while reserves have substantially increased to ₹25,774 Cr, providing a cushion against potential market volatility. The company’s price-to-book value (P/BV) ratio of 5.40x suggests that the stock is trading at a premium, reflecting investor confidence but also hinting at a potential overvaluation. Furthermore, with a current ratio of 1.46, Cholamandalam appears to have a comfortable liquidity position, which is essential for meeting short-term obligations. Overall, these ratios indicate a well-managed company with a strategic focus on growth.
Shareholding Pattern and Investor Confidence
Cholamandalam’s shareholding structure reveals a diverse mix of ownership, with promoters holding 49.88% of the company, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) hold 26.85% and 17.27%, respectively. This distribution demonstrates a healthy level of institutional interest, which is often viewed favorably by retail investors. The steady decline in promoter holding from 51.49% in December 2022 to the current level could raise eyebrows; however, it may also indicate a strategic move to diversify ownership and enhance liquidity. The total number of shareholders has also grown to 165,068, reflecting increasing retail participation. This growing investor confidence is vital, as it can lead to more stable stock performance and support future capital raising efforts for expansion plans.
Outlook, Risks, and Final Insight
Looking ahead, Cholamandalam Investment & Finance Company seems well-positioned to capture growth opportunities within the NBFC sector, especially as economic conditions stabilize post-pandemic. However, several risks loom on the horizon. Rising interest rates could erode profit margins and impact the affordability of loans for customers, potentially leading to higher default rates. Additionally, the company’s significant reliance on borrowings to fuel growth raises concerns about financial leverage, especially in an uncertain economic climate. Investors should remain vigilant about these factors while considering Cholamandalam’s strengths, such as its strong profitability metrics and increasing asset base. Balancing these strengths against the potential risks will be crucial for investors looking to navigate the complexities of the financial services landscape in India. Overall, Cholamandalam presents an intriguing investment case but requires careful consideration of broader economic trends and sector-specific challenges.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.33 Cr. | 0.93 | 9.18/0.85 | 27.4 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 436 Cr. | 133 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 34.4/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.3 Cr. | 85.2 | 165/74.8 | 20.5 | 238 | 1.17 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,825.22 Cr | 440.63 | 50.24 | 522.84 | 0.23% | 15.80% | 8.84% | 8.50 |
All Competitor Stocks of Cholamandalam Investment & Finance Company 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,770 | 3,017 | 3,356 | 3,741 | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 |
| Interest | 1,130 | 1,340 | 1,543 | 1,734 | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 |
| Expenses | 879 | 940 | 912 | 902 | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 |
| Financing Profit | 760 | 736 | 901 | 1,105 | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 |
| Financing Margin % | 27% | 24% | 27% | 30% | 22% | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% |
| Other Income | 26 | 50 | 52 | 93 | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 |
| Depreciation | 28 | 28 | 30 | 36 | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 |
| Profit before tax | 759 | 759 | 923 | 1,163 | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 |
| Tax % | 26% | 26% | 26% | 26% | 25% | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 562 | 563 | 685 | 855 | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 |
| EPS in Rs | 6.84 | 6.85 | 8.33 | 10.40 | 8.64 | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 10:45 pm
Below is a detailed analysis of the quarterly data for Cholamandalam Investment & Finance Company Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- 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 3,365.00 Cr. (Mar 2025) to 3,468.00 Cr., marking an increase of 103.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,286.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,010.00 Cr. (Mar 2025) to 2,286.00 Cr., marking an increase of 276.00 Cr..
- For Other Income, as of Jun 2025, the value is 87.00 Cr.. The value appears to be declining and may need further review. It has decreased from 92.00 Cr. (Mar 2025) to 87.00 Cr., marking a decrease of 5.00 Cr..
- For Depreciation, as of Jun 2025, the value is 67.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 64.00 Cr. (Mar 2025) to 67.00 Cr., marking an increase of 3.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 1,532.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,699.00 Cr. (Mar 2025) to 1,532.00 Cr., marking a decrease of 167.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 26.00%.
- For Net Profit, as of Jun 2025, the value is 1,138.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,260.00 Cr. (Mar 2025) to 1,138.00 Cr., marking a decrease of 122.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 13.53. The value appears to be declining and may need further review. It has decreased from 14.98 (Mar 2025) to 13.53, marking a decrease of 1.45.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:31 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 | 27,300 |
| 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 | 13,166 |
| Expenses | 932 | 1,061 | 1,266 | 1,322 | 1,451 | 1,632 | 2,421 | 2,913 | 2,926 | 3,621 | 5,385 | 7,672 | 8,231 |
| Financing Profit | 578 | 696 | 899 | 1,143 | 1,451 | 1,888 | 1,699 | 2,094 | 2,924 | 3,515 | 4,548 | 5,680 | 5,903 |
| Financing Margin % | 18% | 19% | 21% | 24% | 26% | 27% | 20% | 22% | 29% | 27% | 24% | 22% | 22% |
| Other Income | 1 | 0 | 2 | 3 | 0 | 1 | 0 | 56 | 84 | 220 | 255 | 309 | 352 |
| Depreciation | 25 | 30 | 22 | 39 | 51 | 57 | 111 | 102 | 101 | 121 | 198 | 245 | 253 |
| Profit before tax | 554 | 666 | 879 | 1,107 | 1,401 | 1,832 | 1,588 | 2,048 | 2,908 | 3,615 | 4,605 | 5,744 | 6,001 |
| 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 | 4,453 |
| 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 | 52.97 |
| 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 - No data available for this post.
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 | 6,624,645 | 1.86 | 1124.07 | N/A | N/A | N/A |
| SBI Large Cap Fund | 6,501,744 | 2.02 | 1103.22 | N/A | N/A | N/A |
| Motilal Oswal Flexi Cap Fund | 5,877,496 | 6.96 | 997.29 | 6,000,000 | 2025-12-08 06:25:26 | -2.04% |
| HDFC Large Cap Fund | 5,239,720 | 2.24 | 889.08 | N/A | N/A | N/A |
| Axis ELSS Tax Saver Fund | 4,272,945 | 2.06 | 725.03 | 10,610,378 | 2025-12-08 03:52:34 | -59.73% |
| Axis Focused Fund | 4,014,437 | 5.41 | 681.17 | N/A | N/A | N/A |
| Invesco India Contra Fund | 2,912,482 | 2.45 | 494.19 | N/A | N/A | N/A |
| Motilal Oswal Large and Midcap Fund | 2,839,587 | 3.24 | 481.82 | N/A | N/A | N/A |
| ICICI Prudential Balanced Advantage Fund | 2,474,689 | 0.61 | 419.91 | N/A | N/A | N/A |
| Invesco India Large & Mid Cap Fund | 2,449,413 | 4.6 | 415.62 | 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
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:
- 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: 15.8%)
- 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: 31.2 (Industry average Stock P/E: 50.24)
- 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 | investors@chola.murugappa.com http://www.cholamandalam.com |
| 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 12 December 2025) is 1516.29 which is 11.79% lower the current market price of 1,719.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,45,077 Cr. market cap, FY2025-2026 high/low of 1,782/1,168, 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 1,45,077 Cr..
What is the current Stock Price of Cholamandalam Investment & Finance Company Ltd as on 12 December 2025?
The current stock price of Cholamandalam Investment & Finance Company Ltd as on 12 December 2025 is 1,719.
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 1,782/1,168.
What is the Stock P/E of Cholamandalam Investment & Finance Company Ltd?
The Stock P/E of Cholamandalam Investment & Finance Company Ltd is 31.2.
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.