Cholamandalam Investment & Finance Company
Cholamandalam Investment & Finance Company Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Cholamandalam Investment & Finance Company Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Cholamandalam Investment & Finance Company Ltd trades at a P/E of 27.31× and P/B of 4.72×, against the Financial Services sector median P/E of 18.42×.
Valuation
Profitability
Growth
Financial Health
Cholamandalam Investment & Finance Company Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Cholamandalam Investment & Finance Company Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Cholamandalam Investment & Finance Company Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Cholamandalam Investment & Finance Company Ltd, switchable between annual and quarterly views, consolidated or standalone.
Cholamandalam Investment & Finance Company Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,44,224.33 Cr and reported EPS of ₹61.84.
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 5,501 | 7,088 | 8,712 | 9,579 | 10,141 | 12,884 | 19,140 | 25,846 | 31,073 |
| Other Income | 1 | 21 | 1 | 4 | 91 | 221 | 280 | 307 | 466 |
| Total Income | 5,501 | 7,109 | 8,713 | 9,584 | 10,232 | 13,106 | 19,420 | 26,153 | 31,539 |
| Gross Profit | 5,501 | 7,088 | 8,712 | 9,579 | 10,141 | 12,884 | 19,140 | 25,846 | 31,073 |
| +Operating Expenses | 1,661 | 1,632 | 1,524 | 1,536 | 2,046 | 2,772 | 4,068 | 5,178 | 6,361 |
| EBITDA | 3,839 | 5,455 | 7,188 | 8,043 | 8,095 | 10,112 | 15,071 | 20,668 | 24,712 |
| +Non-Operating Expenses | 2,356 | 3,645 | 4,703 | 4,678 | 4,398 | 5,869 | 9,429 | 12,739 | 14,668 |
| Profit Before Tax (PBT) | 1,484 | 1,832 | 1,588 | 2,048 | 2,908 | 3,615 | 4,605 | 5,741 | 6,973 |
| +Tax Expense | 510 | 635 | 534 | 527 | 749 | 938 | 1,195 | 1,481 | 1,744 |
| Profit After Tax (PAT) | 974 | 1,197 | 1,054 | 1,521 | 2,154 | 2,665 | 3,420 | 4,263 | 5,233 |
| Earnings Per Share (EPS) | 12.48 | 15.29 | 12.86 | 18.55 | 26.23 | 32.42 | 40.72 | 50.69 | 61.41 |
| Diluted Shares Outstanding (Nos.) | 78 | 78 | 82 | 82 | 82 | 82 | 84 | 84 | 85 |
| +Banking Income | 5,501 | 7,109 | 8,713 | 9,584 | 10,232 | 13,106 | 19,420 | 26,153 | 31,539 |
| +Additional Disclosures | 4,016 | 5,276 | 7,054 | 7,506 | 7,455 | 9,503 | 14,753 | 20,273 | 24,742 |
| Sales Growth % | — | 28.85 | 22.92 | 9.96 | 5.86 | 27.05 | 48.55 | 35.04 | 20.22 |
| YoY Sales Growth % | — | 28.85 | 22.92 | 9.96 | 5.86 | 27.05 | 48.55 | 35.04 | 20.22 |
| Employee Cost % | 10 | 9 | 8 | 8 | 9 | 11 | 13 | 13 | 14 |
| Other Cost % | 20 | 14 | 9 | 8 | 11 | 11 | 8 | 7 | 7 |
| OPM % | 70 | 77 | 83 | 84 | 80 | 78 | 79 | 80 | 80 |
| Tax % | 34 | 35 | 34 | 26 | 26 | 26 | 26 | 26 | 25 |
| Profit Growth % | — | 22.88 | -11.94 | 44.33 | 41.60 | 23.74 | 28.34 | 24.64 | 22.75 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | 3,788 | 5,398 | 7,077 | 7,941 | 7,995 | 9,991 | 14,873 | 20,424 | 24,428 |
Cholamandalam Investment & Finance Company segment analysis: revenue and profit mix.
Disclosed business segments at Cholamandalam Investment & Finance Company with their share of revenue and profit, switchable between consolidated and standalone reporting.
Cholamandalam Investment & Finance Company discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Cholamandalam Investment & Finance Company Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Cholamandalam Investment & Finance Company Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Cholamandalam Investment & Finance Company Ltd's investment case rests on 7 positive markers and 8 flagged concerns drawn from the latest reported filings.
What you're getting.
Cholamandalam Investment exhibits a robust Return on Equity (ROE) of 19.70%, significantly above the industry average, showcasing efficient capital utilization and high profitability. This strong ROE, coupled with a healthy 69.80% Operating Profit Margin (OPM), highlights the company's operational efficiency and pricing power.
The company demonstrates impressive quarterly sales growth of 25%, reflecting strong market demand and expansion capabilities. Furthermore, a 20.10% increase in quarterly profits indicates the company's ability to translate sales growth into bottom-line improvements, suggesting positive business momentum.
Cholamandalam Investment holds a substantial market capitalization of ₹144,296 crore, positioning it as a major player within the Non-Banking Financial Company (NBFC) sector. Its competitive P/E ratio of 32.40, lower than some peers, suggests a potentially attractive valuation for investors.
A significant promoter holding of 49.88% (as of 2025-09-01) indicates strong confidence from the core management in the company's long-term prospects and strategic direction. This substantial stake aligns promoter interests with those of public shareholders.
Operating in the Non-Banking Financial Company (NBFC) sector, Cholamandalam Investment is well-positioned to capitalize on India's growing credit demand. Expanding financial inclusion and rising consumer aspirations offer significant avenues for business expansion.
What can break it.
Cholamandalam Investment's high debt-to-equity ratio of 7.40 raises concerns about its financial leverage and vulnerability to economic downturns or interest rate increases. High debt levels can significantly impact profitability and financial flexibility in challenging market conditions.
While quarterly profits have shown growth, the provided data lacks the absolute figures, hindering a comprehensive assessment of overall profitability and the sustainability of this growth. Further analysis of historical profit data is crucial to confirm the trend and assess its long-term implications.
The promoter holding has shown a declining trend, falling from 51.52% in June 2022 to 49.88% by September 2025. This gradual reduction could signal a potential shift in promoter commitment or raise questions about future strategic control.
The company's dividend yield of 0.12% is relatively low compared to several industry peers, which might not appeal to income-focused investors. This suggests a lower payout ratio or a focus on reinvesting profits for growth rather than immediate shareholder returns.
Cholamandalam Investment's stock price has shown recent volatility, with a 52-week high of ₹1782 and a low of ₹1168. This price fluctuation reflects market uncertainty and potential investment risk. Investors should carefully consider this volatility before investing.
What would change my mind.
Trim if P/E re-rates above 36 (~2.0× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 693.76. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 14%. The operating engine is no longer compounding capital efficiently.
Cholamandalam Investment & Finance Company Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Cholamandalam Investment & Finance Company Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Cholamandalam Investment & Finance Company Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Cholamandalam Investment & Finance Company Ltd — derived from the live tape, not yesterday's close.
Cholamandalam Investment & Finance Company Ltd last traded at ₹1,693.4 with an intraday range of ₹1,676.5–₹1,704.1 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹1693.40| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 1761.37 | +67.97 | +4.01% |
| R3 | 1733.77 | +40.37 | +2.38% |
| R2 | 1718.93 | +25.53 | +1.51% |
| R1 | 1706.17 | +12.77 | +0.75% |
| PIVOT | 1691.33 | -2.07 | -0.12% |
| CURRENT | 1693.40 | — | — |
| S1 | 1623.37 | -70.03 | -4.14% |
| S2 | 1650.97 | -42.43 | -2.51% |
| S3 | 1663.73 | -29.67 | -1.75% |
| S4 | 1678.57 | -14.83 | -0.88% |
CHOLAFIN is trading Above CPR, indicating Bullishness
CPR is Narrower, suggesting likely for trending moves
Day's range: 1676.5 ~ 1687.4
Trading Above opening range, showing Bullishness
Cholamandalam Investment & Finance Company Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Cholamandalam Investment & Finance Company Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Cholamandalam Investment & Finance Company Ltd stood at 66.4% of traded volume, against a 20-day average of 53.0%.
Cholamandalam Investment & Finance Company announcements: results, concalls, ratings, M&A.
Filings Cholamandalam Investment & Finance Company sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Cholamandalam Investment & Finance Company files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 134 documents below.
Investor Presentation
Cholamandalam Investment and Finance Company Limited has informed the Exchange about Investor Presentation
Updates
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding 'Convening of 48th Annual General Meeting'.
Record Date
Cholamandalam Investment and Finance Company Limited has informed the Exchange that Record date for the purpose of Dividend is 21-Jul-2026.
Dividend
Cholamandalam Investment and Finance Company Limited has informed the Exchange that Board of Directors at its meeting held on April 30, 2026,…
Outcome of Board Meeting
Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Cholamandalam Investment & Finance Company dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Cholamandalam Investment & Finance Company has declared, sequenced by announce and record date.
Cholamandalam Investment & Finance Company corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Cholamandalam Investment & Finance Company Ltd: business, sector, key facts.
What Cholamandalam Investment & Finance Company Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Cholamandalam Investment & Finance Company Ltd operates in the Financial Services, listed as NSE: CHOLAFIN, BSE: 511243.
Cholamandalam Investment & Finance Company Ltd
Cholamandalam Investment and Finance Company Limited (Cholafin) is a prominent non-banking finance company (NBFC) operating within India. Their core business revolves around providing a diverse range of financial services, primarily focused on lending and investment solutions.
A significant portion of Cholafin's operations centers on vehicle financing. This includes loans for a wide spectrum of vehicles, ranging from commercial vehicles, passenger cars, two- and three-wheelers, and tractors to construction equipment. This broad approach allows them to cater to a substantial segment of the Indian market with varying transportation and equipment needs.
Beyond vehicle finance, Cholafin offers a robust portfolio of secured loans. This includes loans against property, home loans, and loans targeting small and medium-sized enterprises (SMEs). They further extend their reach to individual consumers through personal loans, professional loans, and business loans, targeting both salaried employees and self-employed individuals. This diversification into different loan categories allows them to capture a broader clientele and mitigate risk.
In addition to lending, Cholafin engages in investment and wealth management services. They provide portfolio management services, offering customized investment solutions to individual clients. Their services also extend to stock broking, catering to both retail and institutional investors. To further broaden their financial service offerings, they also act as distributors for insurance products and mutual funds.
Cholafin has also ventured into technological solutions to support their financial services. Their Gaadi Bazaar platform serves as a dealer portal, providing a centralized hub for vehicle listings, lead generation, and loan/trade advance applications. Furthermore, their Payswiff platform offers an omni-channel payment transaction solution, enabling businesses to accept payments through various channels including in-store, home deliveries, and online transactions utilizing mPOS and POS technologies. This reflects a strategic move towards technological integration within their business model.
Questions investors ask about Cholamandalam Investment & Finance Company Ltd (CHOLAFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN)?
The current share price of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) is ₹1,693.4. Today, the stock has gained by ₹4.50 (0.27%), trading in a range of ₹1,676.5 to ₹1,704.1. The stock opened at ₹1,684 with a trading volume of 12,47,083 shares.
02Is Cholamandalam Investment & Finance Company Ltd stock a good investment for long-term?
Cholamandalam Investment & Finance Company Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,44,224.33 crores, P/E ratio of 27.31, ROE of 19.33%, and ROCE of 10.30%. The dividend yield stands at 0.08%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Cholamandalam Investment & Finance Company Ltd stock?
The 52-week high price of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) is ₹1,831.5, while the 52-week low is ₹1,299.4. Currently trading at ₹1,693.4, the stock is 74.0% away from its 52-week low and 7.5% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Cholamandalam Investment & Finance Company Ltd stock at the current price?
Whether to buy Cholamandalam Investment & Finance Company Ltd stock at ₹1,693.4 depends on multiple factors. The stock is currently trading with a P/E ratio of 27.31 and P/B ratio of 4.72. Today's performance shows a gain of 0.27%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Cholamandalam Investment & Finance Company Ltd and when is the next dividend?
Cholamandalam Investment & Finance Company Ltd offers a dividend yield of 0.08%, which means for every ₹100 invested at the current price of ₹1,693.4, you can expect to receive approximately ₹0.08 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Cholamandalam Investment & Finance Company Ltd?
Cholamandalam Investment & Finance Company Ltd's key financial metrics include: P/E Ratio: 27.31, P/B Ratio: 4.72, ROE: 19.33%, ROCE: 10.30%, Dividend Yield: 0.08%, EPS: ₹61.84, Book Value: ₹357.87, and Debt-to-Equity: 693.26. The company's market cap stands at ₹1,44,224.33 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Cholamandalam Investment & Finance Company Ltd stock performing today in the market?
Cholamandalam Investment & Finance Company Ltd stock opened at ₹1,684 and is currently trading at ₹1,693.4, showing a gain of ₹4.50 (0.27%). The intraday high is ₹1,704.1 and low is ₹1,676.5. The trading volume stands at 12,47,083 shares, indicating strong market participation today.
08What is the P/E ratio of Cholamandalam Investment & Finance Company Ltd and what does it indicate?
Cholamandalam Investment & Finance Company Ltd has a Price-to-Earnings (P/E) ratio of 27.31, which means investors are willing to pay ₹27.31 for every ₹1 of earnings. With an EPS of ₹61.84, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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