Cholamandalam Financial Holdings Ltd
Cholamandalam Financial Holdings is undertakes financial services business through its Subsidiaries - Cholamandalam MS General Insurance Company Limited for general insurance business and Cholamandalam Investment and Finance Company Limited for lending operations. Risk advisory services is carried out through a joint venture entity Cholamandalam MS Risk Services Limited.(Source : 202003 Annual Report Page No:71)
- Market Cap ₹ 11,270 Cr.
- Current Price ₹ 600
- High / Low ₹ 620 / 222
- Stock P/E 14.4
- Book Value ₹ 272
- Dividend Yield 0.11 %
- ROCE 11.2 %
- ROE 12.9 %
- Face Value ₹ 1.00
Pros
- No pros found. Suggest something.
Cons
- Company has low interest coverage ratio.
- Dividend payout has been low at 3.28% of profits over last 3 years
Peer comparison
Sector: Finance Industry: Finance & Investments
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
858 | 2,475 | 2,615 | 2,934 | 2,902 | 3,123 | 3,340 | 3,395 | 3,287 | 3,234 | 3,499 | 3,645 | |
765 | 1,182 | 1,250 | 1,376 | 1,339 | 1,483 | 1,526 | 1,580 | 1,999 | 1,282 | 1,581 | 1,847 | |
Operating Profit | 93 | 1,293 | 1,364 | 1,557 | 1,564 | 1,639 | 1,814 | 1,815 | 1,288 | 1,951 | 1,919 | 1,798 |
OPM % | 11% | 52% | 52% | 53% | 54% | 52% | 54% | 53% | 39% | 60% | 55% | 49% |
Other Income | 0 | 0 | 1 | 20 | 1 | 0 | 1 | 1 | 1 | 0 | 4 | 2 |
Interest | 3 | 795 | 856 | 950 | 986 | 1,096 | 1,182 | 1,188 | 1,136 | 1,124 | 1,207 | 1,149 |
Depreciation | 6 | 18 | 18 | 20 | 22 | 33 | 37 | 42 | 38 | 34 | 35 | 38 |
Profit before tax | 85 | 481 | 491 | 608 | 557 | 510 | 596 | 586 | 115 | 794 | 681 | 613 |
Tax % | 25% | 35% | 34% | 33% | 34% | 35% | 45% | 27% | 31% | 26% | 26% | 26% |
Net Profit | 173 | 151 | 156 | 201 | 190 | 152 | 155 | 204 | 40 | 289 | 239 | 213 |
EPS in Rs | 9.20 | 8.04 | 8.29 | 10.69 | 10.10 | 8.10 | 8.26 | 10.85 | 2.13 | 15.39 | 12.73 | 11.34 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2,786 | 3,078 | 5,018 | 6,408 | 7,724 | 8,807 | 9,696 | 8,004 | 2,688 | 8,909 | 10,926 | 13,135 | 13,664 | |
2,542 | 2,732 | 3,986 | 4,743 | 5,422 | 5,991 | 6,504 | 6,262 | 2,377 | 4,490 | 5,147 | 6,588 | 6,709 | |
Operating Profit | 244 | 346 | 1,032 | 1,665 | 2,302 | 2,815 | 3,192 | 1,742 | 311 | 4,419 | 5,778 | 6,547 | 6,956 |
OPM % | 9% | 11% | 21% | 26% | 30% | 32% | 33% | 22% | 12% | 50% | 53% | 50% | 51% |
Other Income | 110 | 94 | 39 | 45 | 25 | 29 | 85 | 771 | 1 | 0 | 21 | 1 | 7 |
Interest | 212 | 185 | 646 | 1,072 | 1,520 | 1,896 | 2,103 | 976 | 0 | 2,655 | 3,587 | 4,592 | 4,615 |
Depreciation | 80 | 89 | 91 | 101 | 133 | 159 | 171 | 163 | 17 | 70 | 78 | 150 | 145 |
Profit before tax | 61 | 166 | 335 | 536 | 674 | 789 | 1,003 | 1,374 | 295 | 1,695 | 2,135 | 1,806 | 2,203 |
Tax % | 11% | 32% | 33% | 34% | 32% | 34% | 32% | 27% | 30% | 34% | 34% | 36% | |
Net Profit | 53 | 112 | 196 | 269 | 289 | 311 | 424 | 1,039 | 455 | 550 | 697 | 551 | 781 |
EPS in Rs | 10.55 | 14.43 | 15.45 | 16.66 | 22.68 | 55.47 | 24.26 | 29.32 | 37.12 | 29.34 | 41.59 | ||
Dividend Payout % | 35% | 25% | 28% | 21% | 13% | 12% | 9% | 9% | 1% | 4% | 3% | 2% |
Compounded Sales Growth | |
---|---|
10 Years: | 16% |
5 Years: | 6% |
3 Years: | 70% |
TTM: | 7% |
Compounded Profit Growth | |
---|---|
10 Years: | 20% |
5 Years: | 6% |
3 Years: | 7% |
TTM: | 11% |
Stock Price CAGR | |
---|---|
10 Years: | 21% |
5 Years: | 16% |
3 Years: | -4% |
1 Year: | 23% |
Return on Equity | |
---|---|
10 Years: | 17% |
5 Years: | 17% |
3 Years: | 16% |
Last Year: | 13% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
37 | 37 | 37 | 37 | 37 | 37 | 537 | 37 | 19 | 19 | 19 | 19 | 19 | |
Reserves | 659 | 768 | 990 | 1,273 | 1,622 | 1,914 | 2,290 | 3,287 | 2,745 | 3,291 | 3,925 | 4,572 | 5,078 |
Borrowings | 2,078 | 2,450 | 8,751 | 12,284 | 16,604 | 19,464 | 20,931 | 1,441 | 0 | 38,200 | 50,447 | 55,299 | 60,699 |
1,071 | 1,311 | 2,738 | 3,256 | 4,837 | 5,887 | 7,079 | 4,900 | 5,129 | 11,897 | 13,547 | 15,954 | 17,597 | |
Total Liabilities | 3,844 | 4,565 | 12,516 | 16,850 | 23,100 | 27,302 | 30,338 | 9,665 | 7,892 | 53,407 | 67,937 | 75,843 | 83,393 |
585 | 583 | 720 | 792 | 1,258 | 1,318 | 1,521 | 1,336 | 102 | 311 | 306 | 479 | 453 | |
CWIP | 30 | 51 | 28 | 42 | 164 | 201 | 40 | 56 | 0 | 4 | 14 | 11 | 0 |
Investments | 525 | 886 | 903 | 1,130 | 1,688 | 2,116 | 2,665 | 5,141 | 6,536 | 6,211 | 7,552 | 8,893 | 9,609 |
2,704 | 3,044 | 10,865 | 14,886 | 19,990 | 23,667 | 26,112 | 3,131 | 1,254 | 46,881 | 60,065 | 66,461 | 73,330 | |
Total Assets | 3,844 | 4,565 | 12,516 | 16,850 | 23,100 | 27,302 | 30,338 | 9,665 | 7,892 | 53,407 | 67,937 | 75,843 | 83,393 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
802 | -112 | -2,151 | -3,094 | -3,228 | -1,872 | -1,685 | -500 | 594 | -6,302 | -9,274 | -1,914 | |
-339 | -406 | 75 | -263 | -838 | -499 | -461 | 193 | -1,263 | -1,825 | -94 | -96 | |
-164 | 147 | 1,930 | 3,595 | 4,465 | 2,643 | 1,704 | 748 | -69 | 8,287 | 12,171 | 2,427 | |
Net Cash Flow | 299 | -372 | -145 | 239 | 398 | 272 | -443 | 441 | -738 | 160 | 2,803 | 417 |
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 % | 8% | 11% | 15% | 14% | 14% | 13% | 14% | 11% | 8% | 20% | 12% | 11% |
Debtor Days | 32 | 44 | 34 | 29 | 25 | 25 | 25 | 31 | 32 | 3 | 1 | 0 |
Inventory Turnover | 6.19 | 5.24 | 5.14 | 5.28 | 5.44 | 5.21 | 4.93 | 4.47 | 0.01 |
Documents
Add documentRecent announcements
- Financial Results For Quarter And Nine Months Ended December 31,2020 5 Feb
- Outcome Of Board Meeting 5 Feb
- Update on board meeting 2 Feb
- Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 29 Jan
- Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011 28 Jan
View all
Annual reports
- Financial Year 2020 from bse
- Financial Year 2019 from bse
- Financial Year 2018 from bse
- Financial Year 2017 from bse
- Financial Year 2016 from bse
- Financial Year 2015 from bse
- Financial Year 2014 from bse
- Financial Year 2013 from bse
- Financial Year 2012 from bse
- Financial Year 2011 from bse
- Financial Year 2011 from nse
- Financial Year 2010 from bse
- Financial Year 2010 from nse