Cholamandalam Financial Holdings Ltd

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Cholamandalam Financial Holdings Ltd

₹ 1,702 -0.76%
13 May - close price
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 ₹ 31,969 Cr.
  • Current Price ₹ 1,702
  • High / Low ₹ 2,299 / 1,305
  • Stock P/E 13.1
  • Book Value ₹ 823
  • Dividend Yield 0.08 %
  • ROCE 9.75 %
  • ROE 17.5 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 24.2% CAGR over last 5 years

Cons

  • 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

Financial Services Financial Services Finance Investment Company

Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Financial Services BSE SmallCap Select Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
5,186 5,626 6,317 6,795 7,066 7,633 8,090 8,489 8,913 9,296 9,461 9,949 10,366
Interest 1,743 2,013 2,209 2,445 2,582 2,796 3,058 3,280 3,361 3,468 3,518 3,648 3,755
2,244 2,588 2,898 2,978 2,932 3,253 3,537 3,772 3,709 4,142 4,359 4,487 4,541
Financing Profit 1,199 1,025 1,210 1,371 1,552 1,584 1,496 1,438 1,843 1,687 1,585 1,814 2,070
Financing Margin % 23% 18% 19% 20% 22% 21% 18% 17% 21% 18% 17% 18% 20%
97 89 55 48 110 45 91 106 98 88 130 137 156
Depreciation 50 52 52 55 88 70 74 72 79 79 83 87 84
Profit before tax 1,246 1,062 1,213 1,363 1,574 1,559 1,513 1,471 1,862 1,696 1,632 1,863 2,142
Tax % 28% 25% 27% 25% 27% 26% 26% 26% 27% 26% 26% 26% 24%
901 792 888 1,027 1,144 1,160 1,125 1,093 1,362 1,260 1,214 1,386 1,626
EPS in Rs 21.72 19.78 22.41 24.88 27.32 29.20 27.99 25.89 32.68 30.81 29.29 33.32 36.59
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
9,696 8,004 2,688 8,909 10,926 13,135 13,900 14,644 18,154 25,830 33,196 39,073
Interest 2,103 976 0 2,655 3,587 4,592 4,608 4,328 5,778 9,249 12,494 14,388
6,542 7,029 2,377 4,490 5,147 6,588 6,807 7,210 8,597 11,389 14,269 17,529
Financing Profit 1,051 -1 311 1,764 2,192 1,954 2,485 3,106 3,780 5,191 6,433 7,155
Financing Margin % 11% -0% 12% 20% 20% 15% 18% 21% 21% 20% 19% 18%
123 1,538 1 0 21 1 60 92 221 256 262 510
Depreciation 171 163 17 70 78 150 145 154 176 248 296 333
Profit before tax 1,003 1,374 295 1,695 2,135 1,806 2,400 3,044 3,824 5,200 6,400 7,333
Tax % 32% 27% 30% 34% 34% 36% 27% 26% 26% 26% 26% 25%
684 1,181 538 1,127 1,415 1,165 1,764 2,239 2,810 3,851 4,740 5,485
EPS in Rs 22.68 55.47 24.26 29.32 37.12 29.34 43.93 54.49 68.71 94.39 115.76 130.01
Dividend Payout % 9% 9% 1% 4% 3% 2% 1% 1% 1% 1% 1% 1%
Compounded Sales Growth
10 Years: 17%
5 Years: 23%
3 Years: 29%
TTM: 18%
Compounded Profit Growth
10 Years: 15%
5 Years: 24%
3 Years: 24%
TTM: 12%
Stock Price CAGR
10 Years: 19%
5 Years: 25%
3 Years: 29%
1 Year: -8%
Return on Equity
10 Years: 18%
5 Years: 18%
3 Years: 19%
Last Year: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 2,290 3,287 2,745 3,291 3,925 4,572 5,367 6,427 7,642 10,223 12,496 15,435
Borrowing 21,431 1,441 0 38,200 50,447 55,117 63,797 69,229 97,191 134,014 174,366 210,400
6,579 4,900 5,129 11,897 13,546 16,147 19,432 22,097 26,181 32,662 37,733 42,479
Total Liabilities 30,338 9,665 7,892 53,407 67,937 75,855 88,616 97,771 131,033 176,917 224,615 268,333
1,521 1,336 102 311 306 479 447 464 623 1,784 2,029 2,278
CWIP 40 56 0 4 14 11 10 40 60 35 54 28
Investments 2,665 5,141 6,536 6,211 7,552 8,893 11,678 13,282 17,536 20,058 24,271 24,968
26,112 3,131 1,254 46,881 60,065 66,472 76,481 83,984 112,813 155,041 198,261 241,059
Total Assets 30,338 9,665 7,892 53,407 67,937 75,855 88,616 97,771 131,033 176,917 224,615 268,333

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1,685 -500 594 -6,302 -9,274 -1,914 -9,719 -5,738 -29,329 -35,726 -34,201 -30,033
-461 193 -1,263 -1,825 -94 -96 -62 -135 295 -2,625 -1,038 -2,528
1,704 748 -69 8,287 12,171 2,427 7,688 7,073 27,288 38,269 39,652 35,650
Net Cash Flow -443 441 -738 160 2,803 417 -2,093 1,199 -1,746 -82 4,413 3,089
Free Cash Flow -1,822 -674 568 -6,391 -9,367 -2,011 -9,781 -5,874 -29,586 -36,887 -34,528 -30,365
CFO/OP -41% -13% 230% -126% -145% -17% -125% -65% -296% -238% -173% -131%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 19% 21% 15% 18% 19% 13% 17% 17% 18% 20% 19% 17%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
CIFCL Total Assets Under Management (AUM)
INR Cr

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CIFCL Total Disbursements
INR Cr
Chola MS General Insurance Gross Written Premium (GWP)
INR Cr
CIFCL Branch Network Size
Number
Chola MS Solvency Ratio
Times
Chola MS Combined Ratio (CoR)
%
Chola MS Policies Issued
Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
48.39% 47.37% 47.37% 47.37% 47.32% 47.32% 46.45% 46.45% 46.44% 46.42% 46.38% 46.38%
11.31% 12.92% 12.87% 13.78% 13.73% 16.28% 16.37% 17.68% 18.32% 17.39% 16.47% 13.81%
27.15% 26.71% 25.96% 25.24% 25.51% 23.01% 22.94% 21.80% 21.43% 22.52% 23.55% 26.09%
0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46% 0.46%
12.68% 12.53% 13.34% 13.15% 12.99% 12.93% 13.78% 13.62% 13.34% 13.21% 13.14% 13.26%
No. of Shareholders 23,17030,62343,35832,53232,94638,45448,70346,38050,78047,99544,22547,752

* 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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