Cholamandalam Investment & Finance Company Ltd
Cholamandalam Investment & Fin. company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.(Source : 202003 Annual Report Page No:113)
- Market Cap ₹ 43,805 Cr.
- Current Price ₹ 534
- High / Low ₹ 558 / 117
- Stock P/E 33.2
- Book Value ₹ 110
- Dividend Yield 0.32 %
- ROCE 10.3 %
- ROE 14.6 %
- Face Value ₹ 2.00
Pros
- Company's median sales growth is 22.57% of last 10 years
Cons
- Stock is trading at 4.85 times its book value
- Company has low interest coverage ratio.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
1,537 | 1,643 | 1,702 | 1,840 | 1,902 | 2,045 | 2,212 | 2,289 | 2,165 | 2,126 | 2,454 | 2,520 | |
466 | 401 | 378 | 417 | 436 | 450 | 485 | 542 | 945 | 387 | 662 | 802 | |
Operating Profit | 1,070 | 1,242 | 1,324 | 1,423 | 1,466 | 1,596 | 1,727 | 1,747 | 1,220 | 1,738 | 1,792 | 1,718 |
OPM % | 70% | 76% | 78% | 77% | 77% | 78% | 78% | 76% | 56% | 82% | 73% | 68% |
Other Income | 0 | 0 | 0 | 20 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 |
Interest | 619 | 795 | 857 | 950 | 986 | 1,087 | 1,178 | 1,192 | 1,135 | 1,131 | 1,185 | 1,140 |
Depreciation | 15 | 13 | 13 | 15 | 16 | 24 | 27 | 32 | 28 | 26 | 25 | 25 |
Profit before tax | 436 | 434 | 454 | 478 | 465 | 485 | 523 | 523 | 57 | 582 | 586 | 553 |
Tax % | 34% | 35% | 34% | 33% | 36% | 35% | 41% | 26% | 26% | 26% | 26% | 26% |
Net Profit | 290 | 281 | 300 | 319 | 298 | 315 | 307 | 389 | 42 | 431 | 435 | 410 |
EPS in Rs | 3.71 | 3.60 | 3.83 | 4.08 | 3.81 | 4.03 | 3.93 | 4.98 | 0.52 | 5.26 | 5.30 | 5.00 |
Notes | Notes | Notes | Notes | Notes | Notes | Notes | Notes | Notes | Notes | Notes | Notes |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1,140 | 955 | 1,209 | 1,784 | 2,570 | 3,279 | 3,715 | 4,214 | 4,694 | 5,559 | 7,108 | 8,712 | 9,265 | |
549 | 417 | 515 | 546 | 688 | 932 | 1,061 | 1,266 | 1,322 | 1,451 | 1,632 | 2,421 | 2,796 | |
Operating Profit | 591 | 538 | 693 | 1,238 | 1,882 | 2,348 | 2,654 | 2,947 | 3,371 | 4,108 | 5,476 | 6,291 | 6,469 |
OPM % | 52% | 56% | 57% | 69% | 73% | 72% | 71% | 70% | 72% | 74% | 77% | 72% | 70% |
Other Income | -18 | 53 | 14 | 52 | 1 | 1 | 0 | 2 | 3 | 0 | 1 | 0 | 4 |
Interest | 594 | 504 | 575 | 990 | 1,410 | 1,769 | 1,958 | 2,048 | 2,228 | 2,657 | 3,588 | 4,592 | 4,591 |
Depreciation | 26 | 17 | 10 | 10 | 22 | 25 | 30 | 22 | 39 | 51 | 57 | 111 | 104 |
Profit before tax | -48 | 70 | 123 | 289 | 452 | 554 | 666 | 879 | 1,107 | 1,401 | 1,832 | 1,588 | 1,778 |
Tax % | 61% | 24% | 31% | 42% | 32% | 34% | 33% | 35% | 35% | 34% | 35% | 34% | |
Net Profit | -19 | 53 | 85 | 169 | 308 | 368 | 444 | 575 | 719 | 919 | 1,198 | 1,054 | 1,318 |
EPS in Rs | -0.57 | 1.59 | 1.42 | 2.55 | 4.30 | 5.14 | 6.18 | 7.36 | 9.21 | 11.76 | 15.32 | 12.86 | 16.08 |
Dividend Payout % | 0% | 13% | 21% | 20% | 16% | 14% | 11% | 12% | 12% | 11% | 8% | 13% |
Compounded Sales Growth | |
---|---|
10 Years: | 25% |
5 Years: | 19% |
3 Years: | 23% |
TTM: | 10% |
Compounded Profit Growth | |
---|---|
10 Years: | 38% |
5 Years: | 19% |
3 Years: | 14% |
TTM: | 1% |
Stock Price CAGR | |
---|---|
10 Years: | 32% |
5 Years: | 32% |
3 Years: | 24% |
1 Year: | 90% |
Return on Equity | |
---|---|
10 Years: | 17% |
5 Years: | 18% |
3 Years: | 18% |
Last Year: | 15% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Sep 2020 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
366 | 366 | 119 | 133 | 143 | 143 | 644 | 156 | 156 | 156 | 156 | 164 | 164 | |
Reserves | 347 | 386 | 943 | 1,271 | 1,809 | 2,144 | 2,530 | 3,513 | 4,141 | 4,969 | 6,052 | 8,036 | 8,857 |
Borrowings | 5,391 | 5,469 | 7,949 | 11,444 | 15,269 | 18,075 | 19,450 | 22,546 | 24,071 | 38,330 | 50,567 | 55,005 | 60,578 |
1,096 | 1,060 | 738 | 649 | 1,007 | 1,182 | 1,744 | 1,673 | 2,230 | 711 | 715 | 844 | 1,022 | |
Total Liabilities | 6,900 | 6,981 | 9,749 | 13,497 | 18,228 | 21,544 | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,049 | 70,621 |
45 | 20 | 37 | 56 | 73 | 74 | 69 | 120 | 150 | 170 | 167 | 283 | 263 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 14 | 11 | 0 |
Investments | 321 | 174 | 10 | 10 | 172 | 39 | 25 | 16 | 182 | 23 | 42 | 33 | 35 |
6,534 | 6,787 | 9,702 | 13,430 | 17,984 | 21,431 | 23,775 | 27,753 | 30,266 | 43,970 | 57,267 | 63,723 | 70,323 | |
Total Assets | 6,900 | 6,981 | 9,749 | 13,497 | 18,228 | 21,544 | 23,868 | 27,889 | 30,598 | 44,167 | 57,490 | 64,049 | 70,621 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
789 | -1,152 | -3,251 | -3,574 | -3,754 | -2,447 | -2,264 | -2,809 | -1,468 | -7,926 | -9,317 | -2,075 | |
-507 | 545 | 207 | 55 | 5 | -83 | -40 | -137 | -222 | -60 | -11 | -54 | |
402 | 78 | 2,771 | 3,602 | 4,067 | 2,749 | 1,819 | 3,031 | 1,692 | 8,009 | 12,191 | 2,452 | |
Net Cash Flow | 683 | -528 | -274 | 83 | 317 | 219 | -485 | 85 | 2 | 22 | 2,862 | 323 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROCE % | 10% | 9% | 9% | 11% | 12% | 12% | 12% | 12% | 12% | 11% | 11% | 10% |
Debtor Days | 75 | 143 | 2 | 2 | 1 | 2 | 1 | 1 | 2 | 5 | 2 | 1 |
Inventory Turnover | 0.00 | 0.00 | 0.00 |
Documents
Add documentRecent announcements
- Announcement under Regulation 30 (LODR)-Allotment 6m
- Announcement under Regulation 30 (LODR)-Allotment 26 Feb
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 18 Feb
- Announcement under Regulation 30 (LODR)-Allotment 3 Feb
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 1 Feb
View all
Annual reports
- Financial Year 2020 from bse
- Financial Year 2019 from bse
- Financial Year 2018 from bse
- Financial Year 2017 from bse
- Financial Year 2016 from bse
- Financial Year 2015 from bse
- Financial Year 2014 from bse
- Financial Year 2013 from bse
- Financial Year 2012 from bse
- Financial Year 2011 from bse
- Financial Year 2011 from nse
- Financial Year 2010 from bse
- Financial Year 2010 from nse