Cholamandalam Investment & Finance Company Ltd

Cholaman.Inv.&Fn Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Cholamandalam Investment & Finance Company Ltd

₹ 1,273 4.10%
10 May - close price
cholamandalam.com BSE: 511243 NSE: CHOLAFIN
About

Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.[1]

Key Points

Ratios (FY 22)
Disbursement- 35,490 Cr, grew 36% over FY21 and grew at CAGR of 9% over the last 5 years.
AUM- 76,907 Cr, grew 10% over FY21 and grew at a CAGR of 16% over the last 5 years
NIM- 7.9%, improved from 7.3% over FY21
CAR- 19.6%, improved from 19.1% over FY21.
GNPA- 6.8%, increased from 4% in FY21
NNPA- 4.7%, increased from 2.2% in FY21 [1]

Website BSE NSE
  • Market Cap ₹ 1,06,908 Cr.
  • Current Price ₹ 1,273
  • High / Low ₹ 1,353 / 991
  • Stock P/E 31.2
  • Book Value ₹ 233
  • Dividend Yield 0.16 %
  • ROCE 10.4 %
  • ROE 20.2 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 23.6% CAGR over last 5 years

Cons

  • Stock is trading at 5.47 times its book value
  • Company has low interest coverage ratio.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Edit Columns
Loading peers table ...

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 2,461 2,467 2,471 2,530 2,580 2,745 2,988 3,323 3,701 4,030 4,435 4,960 5,420
Interest 1,120 1,104 1,078 1,046 1,071 1,131 1,340 1,543 1,734 2,007 2,205 2,439 2,579
1,048 899 554 774 604 851 912 881 866 1,121 1,308 1,378 1,401
Financing Profit 293 465 839 710 905 763 736 898 1,101 902 922 1,143 1,440
Financing Margin % 12% 19% 34% 28% 35% 28% 25% 27% 30% 22% 21% 23% 27%
56 0 0 17 51 26 50 52 93 103 137 59 72
Depreciation 25 24 23 23 27 27 27 29 35 38 38 45 75
Profit before tax 324 441 817 704 929 762 758 921 1,159 968 1,021 1,157 1,437
Tax % 25% 26% 26% 26% 26% 26% 26% 26% 26% 25% 25% 24% 26%
243 327 607 524 690 566 563 684 853 726 762 876 1,058
EPS in Rs 2.97 3.98 7.39 6.38 8.40 6.89 6.86 8.33 10.38 8.83 9.27 10.43 12.60
Gross NPA % 4.00% 6.80% 8.53% 6.80% 6.31% 5.84% 5.37% 4.63% 4.30% 4.07% 3.92% 3.54%
Net NPA % 2.20% 4.50% 5.76% 4.80% 4.85% 4.07% 3.76% 3.11% 2.77% 2.59% 2.56% 2.32%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Revenue 2,554 3,262 3,690 4,192 4,660 5,479 6,992 8,653 9,519 10,055 12,757 18,845
Interest 1,411 1,771 1,960 2,051 2,231 2,659 3,589 4,592 4,576 4,299 5,749 9,231
674 918 1,044 1,250 1,286 1,369 1,525 2,367 2,862 2,852 3,510 5,208
Financing Profit 470 573 686 891 1,143 1,451 1,878 1,693 2,081 2,904 3,498 4,407
Financing Margin % 18% 18% 19% 21% 25% 26% 27% 20% 22% 29% 27% 23%
1 1 0 1 1 0 1 0 56 84 220 371
Depreciation 20 24 29 21 38 50 55 108 98 97 119 196
Profit before tax 451 550 657 871 1,106 1,401 1,823 1,586 2,038 2,891 3,600 4,582
Tax % 32% 34% 34% 35% 35% 34% 35% 34% 26% 26% 26% 25%
307 364 435 568 719 918 1,186 1,052 1,515 2,147 2,666 3,423
EPS in Rs 4.28 5.08 6.06 7.28 9.20 11.75 15.17 12.84 18.47 26.15 32.44 40.75
Dividend Payout % 16% 14% 12% 12% 12% 11% 9% 13% 11% 8% 6% 5%
Compounded Sales Growth
10 Years: 19%
5 Years: 22%
3 Years: 26%
TTM: 48%
Compounded Profit Growth
10 Years: 25%
5 Years: 24%
3 Years: 31%
TTM: 28%
Stock Price CAGR
10 Years: 36%
5 Years: 38%
3 Years: 34%
1 Year: 27%
Return on Equity
10 Years: 19%
5 Years: 19%
3 Years: 20%
Last Year: 20%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 143 143 144 156 156 156 156 164 164 164 164 168
Reserves 1,822 2,151 2,530 3,501 4,129 4,942 6,019 8,008 9,396 11,543 14,132 19,388
Preference Capital 0 0 500 0 0 0 0 0 0 0 0
15,289 18,093 19,475 22,576 24,109 38,330 50,567 55,005 63,730 69,174 97,356 134,474
931 1,159 1,725 1,655 2,201 661 684 825 1,258 1,482 1,863 2,421
Total Liabilities 18,185 21,547 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451
71 73 68 111 140 161 163 274 220 255 399 1,570
CWIP 0 0 0 0 0 4 13 10 10 37 60 0
Investments 225 82 67 67 239 73 73 73 1,619 2,076 3,620 4,100
17,890 21,391 23,737 27,710 30,216 43,852 57,178 63,646 72,700 79,996 109,436 150,781
Total Assets 18,185 21,547 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3,759 -2,451 -2,271 -2,814 -1,491 -7,923 -9,331 -2,086 -8,857 -5,608 -27,037 -35,768
-8 -80 -40 -147 -202 -63 -4 -51 -1,759 1,667 -2,160 -2,705
4,087 2,751 1,826 3,037 1,701 7,965 12,220 2,461 8,708 5,151 27,449 38,405
Net Cash Flow 319 219 -485 76 8 -20 2,885 323 -1,908 1,210 -1,748 -68

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
51.61% 51.57% 51.55% 51.55% 51.52% 51.50% 51.49% 51.47% 51.46% 51.43% 50.37% 50.35%
18.85% 17.88% 17.65% 17.61% 17.96% 18.69% 19.38% 19.63% 20.92% 21.51% 24.73% 26.00%
21.83% 22.54% 22.79% 23.00% 22.41% 21.92% 21.24% 21.45% 20.37% 20.04% 18.39% 17.05%
7.72% 8.01% 8.00% 7.84% 8.11% 7.90% 7.88% 7.44% 7.25% 7.03% 6.51% 6.61%
No. of Shareholders 1,03,1341,07,4431,14,3091,20,0691,25,5251,30,8331,30,1541,21,1841,40,5461,46,8151,40,6361,55,055

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls