Cholamandalam Investment & Finance Company Ltd

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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

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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

Shareholding Pattern

Numbers in percentages

Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
53.06 53.06 53.06 53.06 53.06 52.94 52.94 52.94 51.65 51.65 51.64 51.64
20.25 20.68 20.45 19.35 18.94 18.97 18.04 16.61 12.21 11.90 11.32 13.17
16.53 16.07 15.93 16.14 16.98 16.88 20.33 21.45 27.03 27.78 29.14 27.37
10.16 10.19 10.57 11.45 11.02 11.21 8.69 9.00 9.11 8.67 7.90 7.82

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