Cholamandalam Financial Holdings Ltd

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Cholamandalam Financial Holdings Ltd

₹ 1,864 0.53%
21 May 2:03 p.m.
cholafhl.com BSE: 504973 NSE: CHOLAHLDNG
About

Cholamandalam Financial Holdings Limited (CFHL) is a part of the Murugappa Group. The Co. is a Core Investment Company registered with the RBI, offering a diverse range of financial products and risk management services to individual and corporate customers through its group companies. [1]

Key Points

Services
NBFC: The Co. provides financial services through its subsidiary Cholamandalam Investment and Finance Company Limited (CIFCL) by offering vehicle finance, home loans, loan against property, etc to a wide range of customers, wherein it holds 45.41% as of June 2022.
General Insurance: The Co. offers a wide range of insurance including motor, travel, health, accident, home, and other types of insurance for corporate customers through its subsidiary Cholamandalam MS General Insurance Company Limited (CMSGICL), wherein it holds 60% as on June 2022.
Risk Management & Engineering Solutions: The Co. provides risk management and engineering solutions in the field of Safety, Health, and Environment through its Joint Venture with Mitsui Sumitomo Insurance Group, Japan through Cholamandalam MS Risk Services Ltd (CMSRSL), wherein it holds 49.5% as on June 2022. [1]

Website BSE NSE
  • Market Cap ₹ 35,007 Cr.
  • Current Price ₹ 1,864
  • High / Low ₹ 2,155 / 1,056
  • Stock P/E 16.1
  • Book Value ₹ 666
  • Dividend Yield 0.03 %
  • ROCE 10.6 %
  • ROE 19.1 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 31.6% CAGR over last 5 years

Cons

  • Stock is trading at 2.84 times its book value
  • Company has low interest coverage ratio.

* 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

Sector: Finance Industry: Finance & Investments

Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
3,743 3,937 4,298 4,725 5,186 5,626 6,317 6,795 7,066 7,633 8,090 8,489 8,913
1,719 1,999 2,153 2,212 2,244 2,588 2,898 2,978 2,932 3,253 3,537 3,772 3,709
Operating Profit 2,023 1,938 2,145 2,513 2,942 3,038 3,419 3,816 4,134 4,380 4,553 4,718 5,204
OPM % 54% 49% 50% 53% 57% 54% 54% 56% 59% 57% 56% 56% 58%
52 26 57 52 97 89 55 48 110 45 91 106 98
Interest 1,079 1,137 1,347 1,551 1,743 2,013 2,209 2,445 2,582 2,796 3,058 3,280 3,361
Depreciation 42 41 42 44 50 52 52 55 88 70 74 72 79
Profit before tax 954 786 813 970 1,246 1,062 1,213 1,363 1,574 1,559 1,513 1,471 1,862
Tax % 28% 26% 25% 26% 28% 25% 27% 25% 27% 26% 26% 26% 27%
687 582 606 720 901 792 888 1,027 1,144 1,160 1,125 1,093 1,362
EPS in Rs 16.23 14.25 15.07 17.69 21.72 19.78 22.41 24.88 27.32 29.20 27.99 25.89 32.68
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
8,807 9,696 8,004 2,688 8,909 10,926 13,135 13,900 14,644 18,154 25,830 33,125
5,991 6,542 7,029 2,377 4,490 5,147 6,588 6,807 7,210 8,597 11,389 14,271
Operating Profit 2,815 3,154 975 311 4,419 5,778 6,547 7,093 7,434 9,558 14,441 18,855
OPM % 32% 33% 12% 12% 50% 53% 50% 51% 51% 53% 56% 57%
29 123 1,538 1 0 21 1 60 92 221 256 340
Interest 1,896 2,103 976 0 2,655 3,587 4,592 4,608 4,328 5,778 9,249 12,494
Depreciation 159 171 163 17 70 78 150 145 154 176 248 296
Profit before tax 789 1,003 1,374 295 1,695 2,135 1,806 2,400 3,044 3,824 5,200 6,405
Tax % 34% 32% 27% 30% 34% 34% 36% 27% 26% 26% 26% 26%
518 684 1,181 538 1,127 1,415 1,165 1,764 2,239 2,810 3,851 4,740
EPS in Rs 16.66 22.68 55.47 24.26 29.32 37.12 29.34 43.93 54.49 68.71 94.39 115.76
Dividend Payout % 12% 9% 9% 1% 4% 3% 2% 1% 1% 1% 1% 1%
Compounded Sales Growth
10 Years: 13%
5 Years: 20%
3 Years: 31%
TTM: 28%
Compounded Profit Growth
10 Years: 18%
5 Years: 32%
3 Years: 29%
TTM: 23%
Stock Price CAGR
10 Years: 22%
5 Years: 52%
3 Years: 44%
1 Year: 64%
Return on Equity
10 Years: 18%
5 Years: 19%
3 Years: 19%
Last Year: 19%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 37 37 37 19 19 19 19 19 19 19 19 19
Reserves 1,914 2,290 3,287 2,745 3,291 3,925 4,572 5,367 6,427 7,642 10,223 12,496
19,464 21,431 1,441 0 38,200 50,447 55,117 63,797 69,229 97,191 134,014 174,366
5,887 6,579 4,900 5,129 11,897 13,546 16,147 19,432 22,097 26,181 32,662 37,734
Total Liabilities 27,302 30,338 9,665 7,892 53,407 67,937 75,855 88,616 97,771 131,033 176,917 224,616
1,318 1,521 1,336 102 311 306 479 447 464 623 1,784 2,079
CWIP 201 40 56 0 4 14 11 10 40 60 13 4
Investments 2,116 2,665 5,141 6,536 6,211 7,552 8,893 11,678 13,282 17,536 20,058 24,271
23,667 26,112 3,131 1,254 46,881 60,065 66,472 76,481 83,984 112,813 155,063 198,262
Total Assets 27,302 30,338 9,665 7,892 53,407 67,937 75,855 88,616 97,771 131,033 176,917 224,616

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1,872 -1,685 -500 594 -6,302 -9,274 -1,914 -9,719 -5,738 -29,329 -35,726 -34,201
-499 -461 193 -1,263 -1,825 -94 -96 -62 -135 295 -2,625 -1,038
2,643 1,704 748 -69 8,287 12,171 2,427 7,688 7,073 27,288 38,269 39,652
Net Cash Flow 272 -443 441 -738 160 2,803 417 -2,093 1,199 -1,746 -82 4,413

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 25 25 31 32 3 1 1 1 2 2 3 2
Inventory Days 78 87 86
Days Payable 135 125 99
Cash Conversion Cycle -32 -12 18 32 3 1 1 1 2 2 3 2
Working Capital Days -13 14 -90 -257 -255 -225 -221 -262 -284 -274 -220 -136
ROCE % 13% 13% 10% 7% 18% 11% 10% 10% 9% 10% 11% 11%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
48.62% 48.61% 48.61% 48.39% 48.39% 47.37% 47.37% 47.37% 47.32% 47.32% 46.45% 46.45%
11.82% 11.76% 11.60% 11.99% 11.31% 12.92% 12.87% 13.78% 13.73% 16.28% 16.37% 17.68%
25.64% 26.54% 26.57% 26.56% 27.15% 26.71% 25.96% 25.24% 25.51% 23.01% 22.94% 21.80%
0.00% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46%
13.93% 12.62% 12.78% 12.59% 12.68% 12.53% 13.34% 13.15% 12.99% 12.93% 13.78% 13.62%
No. of Shareholders 22,17220,96221,28921,67823,17030,62343,35832,53232,94638,45448,70346,380

* 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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