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 11.0
  • 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 24.3% 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 Nifty 500 Nifty MidSmallcap 400 Nifty Smallcap 50 BSE Financial Services BSE SmallCap Select Index

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
5,626 6,317 6,795 7,066 7,633 8,090 8,489 8,913 9,296 9,461 9,949 10,366 11,114
Interest 2,013 2,209 2,445 2,582 2,796 3,058 3,280 3,361 3,468 3,518 3,648 3,755 4,007
2,588 2,898 2,978 2,932 3,253 3,537 3,772 3,709 4,142 4,359 4,487 4,541 4,721
Financing Profit 1,025 1,210 1,371 1,552 1,584 1,496 1,438 1,843 1,687 1,585 1,814 2,070 2,385
Financing Margin % 18% 19% 20% 22% 21% 18% 17% 21% 18% 17% 18% 20% 21%
89 55 48 110 45 91 106 98 88 130 137 156 103
Depreciation 52 52 55 88 70 74 72 79 79 83 87 84 87
Profit before tax 1,062 1,213 1,363 1,574 1,559 1,513 1,471 1,862 1,696 1,632 1,863 2,142 2,400
Tax % 25% 27% 25% 27% 26% 26% 26% 27% 26% 26% 26% 24% 25%
792 888 1,027 1,144 1,160 1,125 1,093 1,362 1,260 1,214 1,386 1,626 1,789
EPS in Rs 19.78 22.41 24.88 27.32 29.20 27.99 25.89 32.68 30.81 29.29 33.32 36.59 42.92
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 TTM
9,696 8,004 2,688 8,909 10,926 13,135 13,900 14,644 18,154 25,830 33,196 39,156 40,890
Interest 2,103 976 0 2,655 3,587 4,592 4,608 4,328 5,778 9,249 12,494 14,388 14,928
6,542 7,029 2,377 4,490 5,147 6,588 6,807 7,210 8,597 11,389 14,269 17,523 18,109
Financing Profit 1,051 -1 311 1,764 2,192 1,954 2,485 3,106 3,780 5,191 6,433 7,244 7,854
Financing Margin % 11% -0% 12% 20% 20% 15% 18% 21% 21% 20% 19% 18% 19%
123 1,538 1 0 21 1 60 92 221 256 262 414 525
Depreciation 171 163 17 70 78 150 145 154 176 248 296 333 341
Profit before tax 1,003 1,374 295 1,695 2,135 1,806 2,400 3,044 3,824 5,200 6,400 7,326 8,037
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 6,015
EPS in Rs 22.68 55.47 24.26 29.32 37.12 29.34 43.93 54.49 68.71 94.39 115.76 130.01 142.12
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: 21%
Stock Price CAGR
10 Years: 16%
5 Years: 19%
3 Years: 19%
1 Year: -16%
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 37,732 42,476
Total Liabilities 30,338 9,665 7,892 53,407 67,937 75,855 88,616 97,771 131,033 176,917 224,614 268,331
1,521 1,336 102 311 306 479 447 464 623 1,784 2,029 2,209
CWIP 40 56 0 4 14 11 10 40 60 35 54 97
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 83,984 112,813 155,041 198,260 241,056
Total Assets 30,338 9,665 7,892 53,407 67,937 75,855 88,616 97,771 131,033 176,917 224,614 268,331

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

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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 ・Standalone data

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

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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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