Cholamandalam Financial Holdings Ltd

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Cholamandalam Financial Holdings Ltd

₹ 1,562 -0.79%
21 Aug - close price
cholafhl.com BSE: 504973 NSE: CHOLAHLDNG
About

Cholamandalam Financial Holdings Ltd, part of the Murugappa Group, is an RBI-registered Core Investment Company with interests in lending, general insurance, and risk-management services.[1]

Key Points

Group structure
1) CIFCL: 43.74%-owned lending subsidiary, fully consolidated because of de facto control. The share of earnings belonging to other CIFCL shareholders is deducted as non-controlling interest.[1][2]

Website BSE NSE
  • Market Cap ₹ 29,327 Cr.
  • Current Price ₹ 1,562
  • High / Low ₹ 2,064 / 1,305
  • Stock P/E 404
  • Book Value ₹ 74.5
  • Dividend Yield 0.08 %
  • ROCE 6.25 %
  • ROE 5.12 %
  • Face Value ₹ 1.00
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Pros

  • Company is almost debt free.
  • Company has been maintaining a healthy dividend payout of 29.8%

Cons

  • Stock is trading at 21.0 times its book value
  • The company has delivered a poor sales growth of 9.12% over past five years.
  • Company has a low return on equity of 4.97% over last 3 years.

* 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 Investment Company

Part of Nifty 500 Nifty MidSmallcap 400 Nifty Smallcap 50 BSE Financial Services BSE SmallCap Select Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
2.58 29.04 2.85 51.53 2.58 29.13 2.96 51.53 3.65 30.07 3.69 52.38 4.36
Interest 0.91 0.93 0.92 0.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.64 0.59 0.63 1.49 0.71 0.74 0.66 1.49 0.81 0.78 0.76 1.51 0.84
Financing Profit 1.03 27.52 1.30 49.17 1.87 28.39 2.30 50.04 2.84 29.29 2.93 50.87 3.52
Financing Margin % 39.92% 94.77% 45.61% 95.42% 72.48% 97.46% 77.70% 97.11% 77.81% 97.41% 79.40% 97.12% 80.73%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.01 0.01 0.00 0.01 0.01 0.01 0.00 0.01 0.01 0.01
Profit before tax 1.03 27.52 1.30 49.16 1.86 28.39 2.29 50.03 2.83 29.29 2.92 50.86 3.51
Tax % 25.24% 15.73% 25.38% 25.16% 25.27% 17.15% 17.47% 24.85% 25.44% 7.27% 8.90% 24.34% -24.79%
0.77 23.19 0.97 36.79 1.39 23.52 1.89 37.60 2.11 27.16 2.66 38.48 4.38
EPS in Rs 0.04 1.23 0.05 1.96 0.07 1.25 0.10 2.00 0.11 1.45 0.14 2.05 0.23
Gross NPA % 4.63% 4.36%
Net NPA % 3.13% 2.87%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
3,836 4,769 40 65 74 91 58 84 84 86 86 90 90
Interest 140 137 0 0 0 1 22 10 7 4 0 0 0
3,547 3,600 4 3 3 2 3 3 3 3 4 4 4
Financing Profit 149 1,032 36 61 71 87 34 71 74 79 83 86 87
Financing Margin % 4% 22% 91% 95% 96% 96% 58% 85% 88% 92% 96% 96% 96%
103 3 0 0 0 0 0 0 0 0 0 0 0
Depreciation 97 111 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 155 924 36 61 71 87 34 71 74 79 83 86 87
Tax % 22% 21% 0% 3% 6% 4% 36% 22% 22% 22% 22% 18%
121 730 36 59 67 83 22 56 58 62 64 70 73
EPS in Rs 6.46 38.97 1.94 3.17 3.54 4.44 1.16 2.96 3.08 3.29 3.43 3.75 3.87
Dividend Payout % 31% 13% 65% 39% 35% 15% 48% 19% 18% 17% 38% 35%
Compounded Sales Growth
10 Years: -33%
5 Years: 9%
3 Years: 2%
TTM: 4%
Compounded Profit Growth
10 Years: -3%
5 Years: 27%
3 Years: 7%
TTM: 12%
Stock Price CAGR
10 Years: 16%
5 Years: 19%
3 Years: 19%
1 Year: -16%
Return on Equity
10 Years: 5%
5 Years: 5%
3 Years: 5%
Last Year: 5%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 37 37 19 19 19 19 19 19 19 19 19 19
Reserves 1,283 1,902 950 1,001 1,046 1,100 1,122 1,168 1,218 1,269 1,333 1,381
Borrowing 1,421 1,374 0 0 0 201 150 100 50 0 0 0
822 865 2 3 3 3 12 3 2 2 4 5
Total Liabilities 3,563 4,178 971 1,023 1,068 1,322 1,303 1,290 1,288 1,289 1,355 1,404
904 832 0 0 0 0 0 0 0 0 0 0
CWIP 36 56 0 0 0 0 0 0 0 0 0 0
Investments 1,523 1,461 914 940 956 1,278 1,279 1,280 1,280 1,279 1,291 1,293
1,100 1,829 57 83 112 44 24 10 8 10 65 111
Total Assets 3,563 4,178 971 1,023 1,068 1,322 1,303 1,290 1,288 1,289 1,355 1,404

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
167 135 -19 66 -34 -161 52 58 53 67 3 24
-54 794 -608 0 0 -0 0 -0 0 -0 -0 0
-117 -220 -106 -11 -21 170 -50 -60 -59 -61 -10 -24
Net Cash Flow -4 709 -733 55 -55 9 2 -2 -6 6 -8 -0
Free Cash Flow 98 14 -19 66 -34 -161 52 58 53 67 3 24
CFO/OP 69% 29% -52% 111% -42% -178% 114% 91% 86% 102% 24% 46%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 % 7% 6% 2% 6% 6% 8% 2% 5% 5% 5% 5% 5%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Chola MS Gross Written Premium
INR Cr

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CIFCL Assets Under Management
INR Cr
CIFCL Disbursements
INR Cr
CIFCL Number of Branches
Number
Chola MS Motor Insurance Market Share
%
Chola MS Solvency Ratio
x
Chola MS Number of Policies Issued
Lacs
CIFCL Gross Stage 3 Assets % (GNPA)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
47.37% 47.37% 47.37% 47.32% 47.32% 46.45% 46.45% 46.44% 46.42% 46.38% 46.38% 46.44%
12.92% 12.87% 13.78% 13.73% 16.28% 16.37% 17.68% 18.32% 17.39% 16.47% 13.81% 13.00%
26.71% 25.96% 25.24% 25.51% 23.01% 22.94% 21.80% 21.43% 22.52% 23.55% 26.09% 26.89%
0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46%
12.53% 13.34% 13.15% 12.99% 12.93% 13.78% 13.62% 13.34% 13.21% 13.14% 13.26% 13.21%
No. of Shareholders 30,62343,35832,53232,94638,45448,70346,38050,78047,99544,22547,75244,121

* 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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