Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,488 -0.29%
02 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

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 ₹ 1,25,115 Cr.
  • Current Price ₹ 1,488
  • High / Low ₹ 1,683 / 1,168
  • Stock P/E 29.4
  • Book Value ₹ 281
  • Dividend Yield 0.13 %
  • ROCE 10.3 %
  • ROE 19.7 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 32.2% CAGR over last 5 years
  • Company's median sales growth is 17.6% of last 10 years

Cons

  • Stock is trading at 5.30 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

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 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
2,580 2,745 2,988 3,323 3,701 4,063 4,435 4,960 5,388 5,785 6,227 6,709 7,025
Interest 1,071 1,131 1,340 1,543 1,734 2,007 2,205 2,439 2,579 2,796 3,055 3,272 3,362
604 851 912 881 866 1,121 1,308 1,378 1,401 1,706 1,877 2,019 1,989
Financing Profit 905 763 736 898 1,101 934 922 1,143 1,407 1,283 1,294 1,419 1,674
Financing Margin % 35% 28% 25% 27% 30% 23% 21% 23% 26% 22% 21% 21% 24%
51 26 50 52 93 71 137 59 104 44 66 103 96
Depreciation 27 27 27 29 35 38 38 45 75 58 62 58 63
Profit before tax 929 762 758 921 1,159 968 1,021 1,157 1,437 1,268 1,299 1,464 1,706
Tax % 26% 26% 26% 26% 26% 25% 25% 24% 26% 26% 26% 26% 26%
690 566 563 684 853 726 762 876 1,058 942 963 1,087 1,267
EPS in Rs 8.40 6.89 6.86 8.33 10.38 8.83 9.27 10.43 12.60 11.21 11.46 12.92 15.06
Gross NPA % 6.80% 6.31% 5.84% 5.37% 4.63% 4.30% 4.07% 3.92% 3.54% 3.62% 3.78% 4.00% 3.97%
Net NPA % 4.80% 4.85% 4.07% 3.76% 3.11% 2.77% 2.59% 2.56% 2.32% 2.37% 2.48% 2.66% 2.63%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
3,262 3,690 4,192 4,660 5,479 6,992 8,653 9,519 10,055 12,757 18,960 25,746
Interest 1,771 1,960 2,051 2,231 2,659 3,589 4,592 4,576 4,299 5,749 9,231 12,485
918 1,044 1,250 1,286 1,369 1,525 2,367 2,862 2,852 3,510 5,207 7,591
Financing Profit 573 686 891 1,143 1,451 1,878 1,693 2,081 2,904 3,498 4,522 5,670
Financing Margin % 18% 19% 21% 25% 26% 27% 20% 22% 29% 27% 24% 22%
1 0 1 1 0 1 0 56 84 220 255 309
Depreciation 24 29 21 38 50 55 108 98 97 119 196 242
Profit before tax 550 657 871 1,106 1,401 1,823 1,586 2,038 2,891 3,600 4,582 5,737
Tax % 34% 34% 35% 35% 34% 35% 34% 26% 26% 26% 25% 26%
364 435 568 719 918 1,186 1,052 1,515 2,147 2,666 3,423 4,259
EPS in Rs 5.08 6.06 7.28 9.20 11.75 15.17 12.84 18.47 26.15 32.44 40.75 50.64
Dividend Payout % 14% 12% 12% 12% 11% 9% 13% 11% 8% 6% 5% 4%
Compounded Sales Growth
10 Years: 21%
5 Years: 24%
3 Years: 37%
TTM: 36%
Compounded Profit Growth
10 Years: 26%
5 Years: 32%
3 Years: 26%
TTM: 24%
Stock Price CAGR
10 Years: 29%
5 Years: 60%
3 Years: 28%
1 Year: 14%
Return on Equity
10 Years: 19%
5 Years: 20%
3 Years: 20%
Last Year: 20%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 143 144 156 156 156 156 164 164 164 164 168 168
Reserves 2,151 2,530 3,501 4,129 4,942 6,019 8,008 9,396 11,543 14,132 19,388 23,459
Borrowing 18,093 19,975 22,576 24,109 38,330 50,567 55,005 63,730 69,174 97,356 134,474 174,946
1,159 1,225 1,655 2,201 661 684 825 1,258 1,482 1,863 2,421 3,074
Total Liabilities 21,547 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451 201,648
73 68 111 140 161 163 274 220 255 399 1,557 1,779
CWIP 0 0 0 0 4 13 10 10 37 60 12 4
Investments 82 67 67 239 73 73 73 1,619 2,076 3,620 4,100 6,390
21,391 23,737 27,710 30,216 43,852 57,178 63,646 72,700 79,996 109,436 150,781 193,474
Total Assets 21,547 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451 201,648

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2,451 -2,271 -2,814 -1,491 -7,923 -9,331 -2,086 -8,857 -5,608 -27,037 -35,768 -32,404
-80 -40 -147 -202 -63 -4 -51 -1,759 1,667 -2,160 -2,705 -2,867
2,751 1,826 3,037 1,701 7,965 12,220 2,461 8,708 5,151 27,449 38,405 39,707
Net Cash Flow 219 -485 76 8 -20 2,885 323 -1,908 1,210 -1,748 -68 4,436

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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% 21% 20% 20%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
51.52% 51.50% 51.49% 51.47% 51.46% 51.43% 50.37% 50.35% 50.33% 50.24% 49.93% 49.92%
17.96% 18.69% 19.38% 19.63% 20.92% 21.51% 24.73% 26.00% 26.63% 27.17% 27.43% 28.23%
22.41% 21.92% 21.24% 21.45% 20.37% 20.04% 18.39% 17.05% 16.86% 16.58% 16.10% 15.49%
8.11% 7.90% 7.88% 7.44% 7.25% 7.03% 6.51% 6.61% 6.19% 6.02% 6.56% 6.36%
No. of Shareholders 1,25,5251,30,8331,30,1541,21,1841,40,5461,46,8151,40,6361,55,0551,43,0971,46,8891,76,2311,78,471

* 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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