Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,880 0.27%
05 Aug - 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

Parentage:[1]
The company is part of the Murugappa Group, a diversified business conglomerate with over 125 years of history. The Group operates across key sectors including Agriculture, Engineering, and Financial Services through a portfolio of 29+ businesses, of which 10 are listed companies. As of FY26, the Group had a market capitalization of approximately US$40.83 Bn and reported consolidated turnover of around US$10.2 Bn in FY25. It has a presence in 50 countries, operates 113 manufacturing locations, and employs more than 94,000 people worldwide.

Website BSE NSE
  • Market Cap ₹ 1,60,535 Cr.
  • Current Price ₹ 1,880
  • High / Low ₹ 1,913 / 1,299
  • Stock P/E 28.0
  • Book Value ₹ 357
  • Dividend Yield 0.11 %
  • 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 22.0% of last 10 years

Cons

  • Stock is trading at 5.27 times its book value
  • Company has low interest coverage ratio.
  • 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

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
4,063 4,435 4,960 5,388 5,785 6,227 6,709 7,025 7,245 7,470 7,875 8,392 8,833
Interest 2,007 2,205 2,439 2,579 2,796 3,055 3,272 3,362 3,466 3,516 3,643 3,749 4,003
1,121 1,308 1,378 1,401 1,706 1,877 2,019 1,989 2,268 2,444 2,536 2,581 2,635
Financing Profit 934 922 1,143 1,407 1,283 1,294 1,419 1,674 1,511 1,511 1,696 2,062 2,195
Financing Margin % 23% 21% 23% 26% 22% 21% 21% 24% 21% 20% 22% 25% 25%
71 137 59 104 44 66 103 96 86 121 110 146 100
Depreciation 38 38 45 75 58 62 58 63 67 70 73 71 74
Profit before tax 968 1,021 1,157 1,437 1,268 1,299 1,464 1,706 1,530 1,561 1,733 2,137 2,220
Tax % 25% 25% 24% 26% 26% 26% 26% 26% 26% 26% 26% 23% 26%
726 762 876 1,058 942 963 1,087 1,267 1,136 1,155 1,288 1,641 1,654
EPS in Rs 8.83 9.27 10.43 12.60 11.21 11.46 12.92 15.06 13.50 13.73 15.26 19.26 19.39
Gross NPA % 4.30% 4.07% 3.92% 3.54% 3.62% 3.78% 4.00% 3.97% 4.29% 4.57% 4.63% 4.36% 4.50%
Net NPA % 2.77% 2.59% 2.56% 2.32% 2.37% 2.48% 2.66% 2.63% 2.86% 3.07% 3.13% 2.87% 2.95%
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 TTM
3,690 4,192 4,660 5,479 6,992 8,653 9,519 10,055 12,757 18,960 25,792 31,025 32,570
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 14,911
1,044 1,250 1,286 1,369 1,525 2,367 2,862 2,852 3,510 5,207 7,589 9,821 10,196
Financing Profit 686 891 1,143 1,451 1,878 1,693 2,081 2,904 3,498 4,522 5,718 6,830 7,463
Financing Margin % 19% 21% 25% 26% 27% 20% 22% 29% 27% 24% 22% 22% 23%
0 1 1 0 1 0 56 84 220 255 261 412 477
Depreciation 29 21 38 50 55 108 98 97 119 196 242 281 289
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 7,652
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 5,737
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 67.64
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: 29%
Stock Price CAGR
10 Years: 24%
5 Years: 29%
3 Years: 20%
1 Year: 28%
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 1,863
CWIP 0 0 0 4 13 10 10 37 60 12 11 33
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

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
INR Crore

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Branch Network
Number of branches
Capital Adequacy Ratio (CAR)
%
Gross NPA / Stage 3 %
%
Tier I Capital Ratio
%
Total Disbursements
INR Crore
Number of Active Customers
Number of customers
Number of Employees
Number of employees

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
51.43% 50.37% 50.35% 50.33% 50.24% 49.93% 49.92% 49.90% 49.88% 49.72% 49.25% 49.23%
21.51% 24.73% 26.00% 26.63% 27.17% 27.43% 28.23% 27.96% 26.85% 26.56% 24.87% 24.46%
20.04% 18.39% 17.05% 16.86% 16.58% 16.10% 15.49% 16.05% 17.27% 17.54% 19.91% 20.62%
7.03% 6.51% 6.61% 6.19% 6.02% 6.56% 6.36% 6.07% 6.00% 6.16% 5.95% 5.70%
No. of Shareholders 1,46,8151,40,6361,55,0551,43,0971,46,8891,76,2311,78,4711,83,9331,65,0681,70,0501,60,4281,51,219

* 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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