Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,262 2.49%
16 May - close price
cholamandalam.com BSE: 511243 NSE: CHOLAFIN
About

Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.[1]

Key Points

Ratios (FY 22)
Disbursement- 35,490 Cr, grew 36% over FY21 and grew at CAGR of 9% over the last 5 years.
AUM- 76,907 Cr, grew 10% over FY21 and grew at a CAGR of 16% over the last 5 years
NIM- 7.9%, improved from 7.3% over FY21
CAR- 19.6%, improved from 19.1% over FY21.
GNPA- 6.8%, increased from 4% in FY21
NNPA- 4.7%, increased from 2.2% in FY21 [1]

Website BSE NSE
  • Market Cap ₹ 1,06,013 Cr.
  • Current Price ₹ 1,262
  • High / Low ₹ 1,353 / 997
  • Stock P/E 31.0
  • Book Value ₹ 233
  • Dividend Yield 0.16 %
  • ROCE 10.4 %
  • ROE 20.2 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 23.4% CAGR over last 5 years

Cons

  • Stock is trading at 5.41 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 2,479 2,482 2,496 2,557 2,605 2,770 3,017 3,356 3,741 4,082 4,623 5,007 5,428
Interest 1,120 1,104 1,078 1,046 1,071 1,130 1,340 1,543 1,734 2,006 2,204 2,441 2,579
1,063 910 574 795 630 879 940 912 902 1,174 1,391 1,412 1,417
Financing Profit 297 468 845 717 904 760 736 901 1,105 902 1,028 1,155 1,432
Financing Margin % 12% 19% 34% 28% 35% 27% 24% 27% 30% 22% 22% 23% 26%
56 0 1 17 52 26 50 52 93 89 73 47 88
Depreciation 26 25 24 24 28 28 28 30 36 39 39 46 75
Profit before tax 327 443 822 710 927 759 759 923 1,163 952 1,062 1,156 1,444
Tax % 25% 26% 26% 26% 26% 26% 26% 26% 26% 25% 27% 25% 26%
245 329 611 528 687 562 563 685 855 710 773 872 1,065
EPS in Rs 2.99 4.01 7.44 6.43 8.36 6.84 6.85 8.33 10.40 8.64 9.40 10.39 12.68
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Revenue 2,570 3,279 3,715 4,214 4,694 5,559 7,108 8,712 9,583 10,148 12,884 19,140
Interest 1,410 1,769 1,958 2,048 2,228 2,657 3,588 4,592 4,576 4,298 5,748 9,231
688 932 1,061 1,266 1,322 1,451 1,632 2,421 2,913 2,926 3,621 5,386
Financing Profit 472 578 696 899 1,143 1,451 1,888 1,699 2,094 2,924 3,515 4,523
Financing Margin % 18% 18% 19% 21% 24% 26% 27% 20% 22% 29% 27% 24%
1 1 0 2 3 0 1 0 56 84 220 290
Depreciation 22 25 30 22 39 51 57 111 102 101 121 198
Profit before tax 452 554 666 879 1,107 1,401 1,832 1,588 2,048 2,908 3,615 4,615
Tax % 32% 34% 33% 35% 35% 34% 35% 34% 26% 26% 26% 26%
308 368 444 575 718 918 1,197 1,054 1,521 2,154 2,665 3,420
EPS in Rs 4.30 5.14 6.18 7.36 9.21 11.76 15.32 12.86 18.55 26.23 32.42 40.72
Dividend Payout % 16% 14% 11% 12% 12% 11% 8% 13% 11% 8% 6% 5%
Compounded Sales Growth
10 Years: 19%
5 Years: 22%
3 Years: 26%
TTM: 49%
Compounded Profit Growth
10 Years: 25%
5 Years: 23%
3 Years: 31%
TTM: 28%
Stock Price CAGR
10 Years: 34%
5 Years: 36%
3 Years: 32%
1 Year: 21%
Return on Equity
10 Years: 19%
5 Years: 19%
3 Years: 20%
Last Year: 20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 143 143 144 156 156 156 156 164 164 164 164 168
Reserves 1,809 2,144 2,531 3,514 4,142 4,969 6,052 8,036 9,436 11,605 14,182 19,425
Preference Capital 0 0 500 0 0 0 0 0 0 0 0
15,269 18,075 19,450 22,546 24,071 38,330 50,567 55,005 63,730 69,174 97,358 134,475
1,007 1,182 1,743 1,673 2,230 711 715 853 1,314 1,536 1,923 2,618
Total Liabilities 18,228 21,544 23,868 27,889 30,598 44,167 57,490 64,058 74,644 82,478 113,627 156,686
73 74 69 120 150 170 167 283 228 259 403 1,576
CWIP 0 0 0 0 0 4 14 11 10 37 60 0
Investments 172 39 25 16 182 23 42 33 1,583 2,055 3,562 4,036
17,984 21,431 23,775 27,753 30,266 43,970 57,267 63,732 72,823 80,127 109,602 151,075
Total Assets 18,228 21,544 23,868 27,889 30,598 44,167 57,490 64,058 74,644 82,478 113,627 156,686

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3,754 -2,447 -2,264 -2,809 -1,468 -7,926 -9,317 -2,075 -8,848 -5,571 -27,105 -35,683
5 -83 -40 -137 -222 -60 -11 -54 -1,746 1,640 -2,148 -2,855
4,067 2,749 1,819 3,031 1,692 8,009 12,191 2,452 8,707 5,150 27,466 38,471
Net Cash Flow 317 219 -485 85 2 22 2,862 323 -1,888 1,218 -1,787 -66

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 18% 17% 18% 18% 18% 19% 21% 15% 17% 20% 20% 20%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
51.61% 51.57% 51.55% 51.55% 51.52% 51.50% 51.49% 51.47% 51.46% 51.43% 50.37% 50.35%
18.85% 17.88% 17.65% 17.61% 17.96% 18.69% 19.38% 19.63% 20.92% 21.51% 24.73% 26.00%
21.83% 22.54% 22.79% 23.00% 22.41% 21.92% 21.24% 21.45% 20.37% 20.04% 18.39% 17.05%
7.72% 8.01% 8.00% 7.84% 8.11% 7.90% 7.88% 7.44% 7.25% 7.03% 6.51% 6.61%
No. of Shareholders 1,03,1341,07,4431,14,3091,20,0691,25,5251,30,8331,30,1541,21,1841,40,5461,46,8151,40,6361,55,055

* 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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Documents

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