Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,760 6.15%
05 Nov - close price
cholamandalam.com BSE: 511243 NSE: CHOLAFIN F&O
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 F&O
  • Market Cap ₹ 1,50,826 Cr.
  • Current Price ₹ 1,760
  • High / Low ₹ 1,952 / 1,299
  • Stock P/E 24.2
  • Book Value ₹ 403
  • Dividend Yield 0.11 %
  • ROCE 9.71 %
  • ROE 19.4 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 28.0% CAGR over last 5 years
  • Company's median sales growth is 21.4% of last 10 years

Cons

  • Stock is trading at 4.37 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
4,623 5,007 5,410 5,812 6,255 6,733 7,046 7,267 7,491 7,898 8,417 8,856 9,271
Interest 2,204 2,441 2,579 2,796 3,059 3,275 3,365 3,468 3,517 3,646 3,753 4,007 4,334
1,391 1,412 1,417 1,727 1,897 2,038 2,010 2,286 2,460 2,554 2,597 2,652 2,790
Financing Profit 1,028 1,155 1,414 1,289 1,300 1,420 1,671 1,512 1,514 1,698 2,067 2,197 2,147
Financing Margin % 22% 23% 26% 22% 21% 21% 24% 21% 20% 22% 25% 25% 23%
73 47 105 45 68 105 92 87 123 111 148 102 125
Depreciation 39 46 75 59 63 59 64 67 71 74 72 75 83
Profit before tax 1,062 1,156 1,444 1,275 1,305 1,466 1,699 1,532 1,566 1,736 2,143 2,224 2,188
Tax % 27% 25% 26% 26% 26% 26% 26% 26% 26% 26% 23% 26% 26%
773 872 1,065 947 968 1,088 1,260 1,138 1,160 1,290 1,645 1,656 1,630
EPS in Rs 9.40 10.39 12.68 11.27 11.52 12.94 14.98 13.53 13.78 15.28 19.31 19.43 19.01
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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
3,715 4,214 4,694 5,559 7,108 8,712 9,583 10,148 12,884 19,163 25,890 31,120 34,442
Interest 1,958 2,048 2,228 2,657 3,588 4,592 4,576 4,298 5,748 9,231 12,495 14,384 15,741
1,061 1,266 1,322 1,451 1,632 2,421 2,858 2,926 3,621 5,385 7,670 9,890 10,593
Financing Profit 696 899 1,143 1,451 1,888 1,699 2,150 2,924 3,515 4,548 5,726 6,845 8,109
Financing Margin % 19% 21% 24% 26% 27% 20% 22% 29% 27% 24% 22% 22% 24%
0 2 3 0 1 0 -0 84 220 255 261 412 486
Depreciation 30 22 39 51 57 111 102 101 121 198 245 284 304
Profit before tax 666 879 1,107 1,401 1,832 1,588 2,048 2,908 3,615 4,605 5,741 6,973 8,291
Tax % 33% 35% 35% 34% 35% 34% 26% 26% 26% 26% 26% 25%
444 575 718 918 1,197 1,054 1,521 2,154 2,665 3,420 4,263 5,233 6,222
EPS in Rs 6.18 7.36 9.21 11.76 15.32 12.86 18.55 26.23 32.42 40.72 50.69 61.41 73.03
Dividend Payout % 11% 12% 12% 11% 8% 13% 11% 8% 6% 5% 4% 3%
Compounded Sales Growth
10 Years: 22%
5 Years: 27%
3 Years: 34%
TTM: 21%
Compounded Profit Growth
10 Years: 25%
5 Years: 28%
3 Years: 25%
TTM: 34%
Stock Price CAGR
10 Years: 23%
5 Years: 23%
3 Years: 15%
1 Year: 1%
Return on Equity
10 Years: 19%
5 Years: 20%
3 Years: 20%
Last Year: 19%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 144 156 156 156 156 164 164 164 164 168 168 170 172
Reserves 2,531 3,514 4,142 4,969 6,052 8,036 9,436 11,605 14,182 19,425 23,500 30,288 34,360
Borrowing 19,950 22,546 24,071 38,330 50,567 55,005 63,730 69,174 97,358 134,475 175,036 211,070 231,911
1,243 1,673 2,230 711 715 853 1,314 1,536 1,923 2,618 3,182 3,920 3,580
Total Liabilities 23,868 27,889 30,598 44,167 57,490 64,058 74,644 82,478 113,627 156,686 201,887 245,448 270,022
69 120 150 170 167 283 228 259 403 1,563 1,780 1,869 2,206
CWIP 0 0 0 4 14 11 10 37 60 13 11 42 193
Investments 25 16 182 23 42 33 1,583 2,055 3,562 4,036 6,367 6,646 8,377
23,775 27,753 30,266 43,970 57,267 63,732 72,823 80,127 109,602 151,075 193,729 236,892 259,246
Total Assets 23,868 27,889 30,598 44,167 57,490 64,058 74,644 82,478 113,627 156,686 201,887 245,448 270,022

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2,264 -2,809 -1,468 -7,926 -9,317 -2,075 -8,842 -5,571 -27,105 -35,683 -32,413 -30,021
-40 -137 -222 -60 -11 -54 -1,572 1,640 -2,148 -2,855 -2,948 -2,554
1,819 3,031 1,692 8,009 12,191 2,452 8,516 5,150 27,466 38,471 39,795 35,610
Net Cash Flow -485 85 2 22 2,862 323 -1,898 1,218 -1,787 -66 4,434 3,035
Free Cash Flow -2,294 -2,885 -1,525 -7,994 -9,391 -2,145 -8,873 -5,665 -27,293 -36,754 -32,600 -30,263

Ratios

Consolidated / View Standalone

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% 20% 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

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
50.37% 50.35% 50.33% 50.24% 49.93% 49.92% 49.90% 49.88% 49.72% 49.25% 49.23% 48.93%
24.73% 26.00% 26.63% 27.17% 27.43% 28.23% 27.96% 26.85% 26.56% 24.87% 24.46% 24.87%
18.39% 17.05% 16.86% 16.58% 16.10% 15.49% 16.05% 17.27% 17.54% 19.91% 20.62% 20.38%
6.51% 6.61% 6.19% 6.02% 6.56% 6.36% 6.07% 6.00% 6.16% 5.95% 5.70% 5.82%
No. of Shareholders 1,40,6361,55,0551,43,0971,46,8891,76,2311,78,4711,83,9331,65,0681,70,0501,60,4281,51,2191,70,510

* 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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