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

₹ 1,620 -0.46%
23 May 1:05 p.m.
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 ₹ 1,36,250 Cr.
  • Current Price ₹ 1,620
  • High / Low ₹ 1,683 / 1,168
  • Stock P/E 32.0
  • Book Value ₹ 281
  • Dividend Yield 0.12 %
  • 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 18.4% of last 10 years

Cons

  • Stock is trading at 5.74 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 Nifty Next 50 Nifty 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
2,605 2,770 3,017 3,356 3,741 4,100 4,623 5,007 5,410 5,812 6,255 6,733 7,046
Interest 1,071 1,130 1,340 1,543 1,734 2,006 2,204 2,441 2,579 2,796 3,059 3,275 3,365
630 879 940 912 902 1,174 1,391 1,412 1,417 1,727 1,897 2,038 2,010
Financing Profit 904 760 736 901 1,105 920 1,028 1,155 1,414 1,289 1,300 1,420 1,671
Financing Margin % 35% 27% 24% 27% 30% 22% 22% 23% 26% 22% 21% 21% 24%
52 26 50 52 93 71 73 47 105 45 68 105 92
Depreciation 28 28 28 30 36 39 39 46 75 59 63 59 64
Profit before tax 927 759 759 923 1,163 952 1,062 1,156 1,444 1,275 1,305 1,466 1,699
Tax % 26% 26% 26% 26% 26% 25% 27% 25% 26% 26% 26% 26% 26%
687 562 563 685 855 710 773 872 1,065 947 968 1,088 1,260
EPS in Rs 8.36 6.84 6.85 8.33 10.40 8.64 9.40 10.39 12.68 11.27 11.52 12.94 14.98
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
3,279 3,715 4,214 4,694 5,559 7,108 8,712 9,583 10,148 12,884 19,163 25,846
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
932 1,061 1,266 1,322 1,451 1,632 2,421 2,913 2,926 3,621 5,385 7,672
Financing Profit 578 696 899 1,143 1,451 1,888 1,699 2,094 2,924 3,515 4,548 5,680
Financing Margin % 18% 19% 21% 24% 26% 27% 20% 22% 29% 27% 24% 22%
1 0 2 3 0 1 0 56 84 220 255 309
Depreciation 25 30 22 39 51 57 111 102 101 121 198 245
Profit before tax 554 666 879 1,107 1,401 1,832 1,588 2,048 2,908 3,615 4,605 5,744
Tax % 34% 33% 35% 35% 34% 35% 34% 26% 26% 26% 26% 26%
368 444 575 718 918 1,197 1,054 1,521 2,154 2,665 3,420 4,263
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
Dividend Payout % 14% 11% 12% 12% 11% 8% 13% 11% 8% 6% 5% 4%
Compounded Sales Growth
10 Years: 21%
5 Years: 24%
3 Years: 37%
TTM: 35%
Compounded Profit Growth
10 Years: 25%
5 Years: 32%
3 Years: 26%
TTM: 25%
Stock Price CAGR
10 Years: 30%
5 Years: 68%
3 Years: 36%
1 Year: 27%
Return on Equity
10 Years: 19%
5 Years: 20%
3 Years: 20%
Last Year: 20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 2,144 2,531 3,514 4,142 4,969 6,052 8,036 9,436 11,605 14,182 19,425 23,500
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
1,182 1,243 1,673 2,230 711 715 853 1,314 1,536 1,923 2,618 3,182
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
74 69 120 150 170 167 283 228 259 403 1,563 1,787
CWIP 0 0 0 0 4 14 11 10 37 60 13 4
Investments 39 25 16 182 23 42 33 1,583 2,055 3,562 4,036 6,367
21,431 23,775 27,753 30,266 43,970 57,267 63,732 72,823 80,127 109,602 151,075 193,729
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

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2,447 -2,264 -2,809 -1,468 -7,926 -9,317 -2,075 -8,848 -5,571 -27,105 -35,683 -32,413
-83 -40 -137 -222 -60 -11 -54 -1,746 1,640 -2,148 -2,855 -2,948
2,749 1,819 3,031 1,692 8,009 12,191 2,452 8,707 5,150 27,466 38,471 39,795
Net Cash Flow 219 -485 85 2 22 2,862 323 -1,888 1,218 -1,787 -66 4,434

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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% 19% 21% 15% 17% 20% 20% 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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