Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment & Fin. Co. is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and corporate mortgage loans. The Company through its subsidiaries, is also engaged in the business of broking, distribution of financial products and freight data solutions.

  • Market Cap: 18,798 Cr.
  • Current Price: 229.20
  • 52 weeks High / Low 349.00 / 117.40
  • Book Value: 100.05
  • Stock P/E: 16.07
  • Dividend Yield: 0.74 %
  • ROCE: 10.30 %
  • ROE: 14.63 %
  • Sales Growth (3Yrs): 22.90 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 2.00
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Pros:
Cons:
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

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
Revenue 1,313 1,404 1,537 1,643 1,702 1,840 1,902 2,045 2,212 2,289 2,165 2,126
Interest 556 590 619 795 857 950 986 1,087 1,178 1,192 1,135 1,131
397 421 466 401 378 417 436 450 485 542 945 387
Financing Profit 360 394 451 447 467 473 480 509 550 555 85 608
Financing Margin % 27% 28% 29% 27% 27% 26% 25% 25% 25% 24% 4% 29%
Other Income 0 0 0 0 0 20 0 0 0 0 0 0
Depreciation 12 14 15 13 13 15 16 24 27 32 28 26
Profit before tax 348 380 436 434 454 478 465 485 523 523 57 582
Tax % 35% 34% 34% 35% 34% 33% 36% 35% 41% 26% 26% 26%
Net Profit 228 250 290 281 300 319 298 315 307 389 42 431
EPS in Rs 2.92 3.20 3.71 0.72 3.83 0.82 0.76 4.03 3.93 4.98 0.53 5.26
Gross NPA %
Net NPA %
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
Revenue 1,140 955 1,209 1,784 2,570 3,279 3,715 4,214 4,694 5,559 7,108 8,712 8,792
Interest 594 504 575 990 1,410 1,769 1,958 2,048 2,228 2,657 3,588 4,592 4,635
549 417 515 546 688 932 1,061 1,266 1,322 1,451 1,632 2,421 2,360
Financing Profit -3 34 119 248 472 578 696 899 1,143 1,451 1,888 1,699 1,797
Financing Margin % -0% 4% 10% 14% 18% 18% 19% 21% 24% 26% 27% 20% 20%
Other Income -18 53 14 52 1 1 0 2 3 0 1 0 1
Depreciation 26 17 10 10 22 25 30 22 39 51 57 111 113
Profit before tax -48 70 123 289 452 554 666 879 1,107 1,401 1,832 1,588 1,685
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 1,170
EPS in Rs 0.00 1.44 1.36 2.47 4.19 5.02 5.99 7.14 9.06 11.76 15.32 12.85 14.70
Dividend Payout % 0% 13% 21% 20% 16% 14% 11% 12% 12% 11% 8% 13%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:24.74%
5 Years:18.59%
3 Years:22.90%
TTM:17.38%
Compounded Profit Growth
10 Years:37.64%
5 Years:18.85%
3 Years:13.65%
TTM:-4.98%
Stock Price CAGR
10 Years:20.67%
5 Years:12.78%
3 Years:1.47%
1 Year:-22.58%
Return on Equity
10 Years:17.26%
5 Years:17.85%
3 Years:18.02%
Last Year:14.63%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Corp Actions
Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
366 366 119 133 143 143 644 156 156 156 156 164
Reserves 347 386 943 1,271 1,809 2,144 2,530 3,513 4,141 4,969 6,052 8,036
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
1,096 1,060 738 649 1,007 1,182 1,744 1,673 2,230 711 715 844
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
45 20 37 56 73 74 69 120 150 170 167 283
CWIP 0 0 0 0 0 0 0 0 0 4 14 11
Investments 321 174 10 10 172 39 25 16 182 23 42 33
6,534 6,787 9,702 13,430 17,984 21,431 23,775 27,753 30,266 43,970 57,267 63,723
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

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
ROE % -2% 6% 9% 12% 18% 17% 16% 17% 18% 19% 21% 15%

Shareholding pattern in percentages

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
53.07 53.07 53.06 53.06 53.06 53.06 53.06 52.94 52.94 52.94 51.65 51.65
21.55 19.31 20.25 20.68 20.45 19.35 18.94 18.97 18.04 16.61 12.21 11.90
15.57 17.10 16.53 16.07 15.93 16.14 16.98 16.88 20.33 21.45 27.03 27.78
9.81 10.52 10.16 10.19 10.57 11.45 11.02 11.21 8.69 9.00 9.11 8.67