Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,563 0.62%
30 Apr - 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

Promoter
The company is part of the Murugappa Group, a prominent Chennai-based conglomerate founded in 1900. With a $9.3 billion portfolio, the group spans three sectors with 29 businesses and nine listed companies. It operates 113 manufacturing sites in 50 countries and employs over 83,000 people. [1] [2]

Website BSE NSE
  • Market Cap ₹ 1,33,210 Cr.
  • Current Price ₹ 1,563
  • High / Low ₹ 1,832 / 1,299
  • Stock P/E 25.5
  • Book Value ₹ 357
  • Dividend Yield 0.13 %
  • ROCE 9.70 %
  • ROE 19.3 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 28.1% CAGR over last 5 years
  • Company's median sales growth is 21.9% of last 10 years

Cons

  • Stock is trading at 4.38 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -0.47%
  • Company might be capitalizing the interest cost

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 500 BSE 100 BSE 200 BSE Dollex 200 Nifty Next 50

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
3,701 4,063 4,435 4,960 5,388 5,785 6,227 6,709 7,025 7,245 7,470 7,875 8,392
Interest 1,734 2,007 2,205 2,439 2,579 2,796 3,055 3,272 3,362 3,466 3,516 3,643 3,749
866 1,121 1,308 1,378 1,401 1,706 1,877 2,019 1,989 2,268 2,444 2,536 2,581
Financing Profit 1,101 934 922 1,143 1,407 1,283 1,294 1,419 1,674 1,511 1,511 1,696 2,062
Financing Margin % 30% 23% 21% 23% 26% 22% 21% 21% 24% 21% 20% 22% 25%
93 71 137 59 104 44 66 103 96 86 121 110 146
Depreciation 35 38 38 45 75 58 62 58 63 67 70 73 71
Profit before tax 1,159 968 1,021 1,157 1,437 1,268 1,299 1,464 1,706 1,530 1,561 1,733 2,137
Tax % 26% 25% 25% 24% 26% 26% 26% 26% 26% 26% 26% 26% 23%
853 726 762 876 1,058 942 963 1,087 1,267 1,136 1,155 1,288 1,641
EPS in Rs 10.38 8.83 9.27 10.43 12.60 11.21 11.46 12.92 15.06 13.50 13.73 15.26 19.26
Gross NPA % 4.63% 4.30% 4.07% 3.92% 3.54% 3.62% 3.78% 4.00% 3.97% 4.29% 4.57% 4.63%
Net NPA % 3.11% 2.77% 2.59% 2.56% 2.32% 2.37% 2.48% 2.66% 2.63% 2.86% 3.07% 3.13%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
3,690 4,192 4,660 5,479 6,992 8,653 9,519 10,055 12,757 18,960 25,792 30,982
Interest 1,960 2,051 2,231 2,659 3,589 4,592 4,576 4,299 5,749 9,231 12,485 14,374
1,044 1,250 1,286 1,369 1,525 2,367 2,862 2,852 3,510 5,207 7,589 9,829
Financing Profit 686 891 1,143 1,451 1,878 1,693 2,081 2,904 3,498 4,522 5,718 6,779
Financing Margin % 19% 21% 25% 26% 27% 20% 22% 29% 27% 24% 22% 22%
0 1 1 0 1 0 56 84 220 255 261 463
Depreciation 29 21 38 50 55 108 98 97 119 196 242 281
Profit before tax 657 871 1,106 1,401 1,823 1,586 2,038 2,891 3,600 4,582 5,737 6,961
Tax % 34% 35% 35% 34% 35% 34% 26% 26% 26% 25% 26% 25%
435 568 719 918 1,186 1,052 1,515 2,147 2,666 3,423 4,259 5,220
EPS in Rs 6.06 7.28 9.20 11.75 15.17 12.84 18.47 26.15 32.44 40.75 50.64 61.26
Dividend Payout % 12% 12% 12% 11% 9% 13% 11% 8% 6% 5% 4% 3%
Compounded Sales Growth
10 Years: 22%
5 Years: 27%
3 Years: 34%
TTM: 20%
Compounded Profit Growth
10 Years: 25%
5 Years: 28%
3 Years: 25%
TTM: 23%
Stock Price CAGR
10 Years: 25%
5 Years: 22%
3 Years: 21%
1 Year: 5%
Return on Equity
10 Years: 19%
5 Years: 20%
3 Years: 20%
Last Year: 19%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 144 156 156 156 156 164 164 164 164 168 168 170
Reserves 2,530 3,501 4,129 4,942 6,019 8,008 9,396 11,543 14,132 19,388 23,459 30,234
Borrowing 19,975 22,576 24,109 38,330 50,567 55,005 63,730 69,174 97,356 134,474 174,946 210,867
1,225 1,655 2,201 661 684 825 1,258 1,482 1,863 2,421 3,074 3,799
Total Liabilities 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451 201,648 245,070
68 111 140 161 163 274 220 255 399 1,557 1,772 1,877
CWIP 0 0 0 4 13 10 10 37 60 12 11 18
Investments 67 67 239 73 73 73 1,619 2,076 3,620 4,100 6,390 6,638
23,737 27,710 30,216 43,852 57,178 63,646 72,700 79,996 109,436 150,781 193,474 236,536
Total Assets 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451 201,648 245,070

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2,271 -2,814 -1,491 -7,923 -9,331 -2,086 -8,857 -5,608 -27,037 -35,768 -32,404 -29,920
-40 -147 -202 -63 -4 -51 -1,759 1,667 -2,160 -2,705 -2,867 -2,543
1,826 3,037 1,701 7,965 12,220 2,461 8,708 5,151 27,449 38,405 39,707 35,497
Net Cash Flow -485 76 8 -20 2,885 323 -1,908 1,210 -1,748 -68 4,436 3,034
Free Cash Flow -2,301 -2,888 -1,547 -7,993 -9,398 -2,153 -8,887 -5,700 -27,221 -36,811 -32,586 -30,161
CFO/OP -76% -82% -30% -178% -157% -24% -122% -66% -283% -251% -170% -133%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 18% 18% 18% 20% 21% 15% 17% 20% 21% 20% 20% 19%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Crores

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Branch Network
Number
Loan Against Property (LAP) AUM
INR Crores
Total Disbursements
INR Crores
Vehicle Finance (VF) AUM
INR Crores
Home Loan AUM
INR Crores
Number of Employees
Number
Total Customers
Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
51.46% 51.43% 50.37% 50.35% 50.33% 50.24% 49.93% 49.92% 49.90% 49.88% 49.72% 49.25%
20.92% 21.51% 24.73% 26.00% 26.63% 27.17% 27.43% 28.23% 27.96% 26.85% 26.56% 24.87%
20.37% 20.04% 18.39% 17.05% 16.86% 16.58% 16.10% 15.49% 16.05% 17.27% 17.54% 19.91%
7.25% 7.03% 6.51% 6.61% 6.19% 6.02% 6.56% 6.36% 6.07% 6.00% 6.16% 5.95%
No. of Shareholders 1,40,5461,46,8151,40,6361,55,0551,43,0971,46,8891,76,2311,78,4711,83,9331,65,0681,70,0501,60,428

* 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.

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Documents

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