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Cholamandalam Investment & Finance Company
Large Cap•38,235 Employees•IPO 1995
Current Price
₹1623.50
40.5 (2.56%)Updated
Valuation vs Sector
P/E Ratio
27.58vs 19.20
P/B Ratio
5.15vs 2.16
Div Yield
0.11%vs 0.57%
Today's Range
₹1593.00
₹1632.90
₹1623.50
52 Week Range
52W Low₹1358.65
52W High₹1831.50
₹1623.50
Downside19.49%
Upside12.81%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹1,47,539.65 Cr
Market Cap
Total market value of companyP/E Ratio
30.44
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
5.22
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹57.49
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
9.75%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
10.30%
ROCE
Return on Capital Employed. >15% is goodNet Margin
16.62%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
30.50%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
23.95%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
25.00%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
20.10%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
7.42
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹281.45
Book Value
Net asset value per shareDividend Yield
0.11%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
49.90%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •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.
Weaknesses
4 points- •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.
Opportunities
3 points- •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.
- •Potential for product diversification into underserved lending segments, such as affordable housing or MSME loans, could unlock new revenue streams. Expanding into tier-2/3 cities could also tap into burgeoning demand, driving future growth.
Threats
4 points- •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.
- •Intense competition from established players like Bajaj Finance and Shriram Finance, along with emerging fintechs, poses a significant threat. This competitive landscape could pressure margins and market share, impacting future profitability.
Segment-wise Financial Analysis
Financial Results
Balance Sheet
Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format
No Balance Sheet Data Available
Standalone annual data is not available for this symbol.
Try switching to Consolidated view.
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹1719.73 | +₹96.23 | +5.93% |
| R3 | ₹1679.83 | +₹56.33 | +3.47% |
| R2 | ₹1656.37 | +₹32.87 | +2.02% |
| R1 | ₹1639.93 | +₹16.43 | +1.01% |
| PIVOT | ₹1616.47 | -7.03 | -0.43% |
| CURRENT | ₹1623.50 | - | - |
| S1 | ₹1520.23 | -₹103.27 | -6.36% |
| S2 | ₹1560.13 | -₹63.37 | -3.90% |
| S3 | ₹1576.57 | -₹46.93 | -2.89% |
| S4 | ₹1600.03 | -₹23.47 | -1.45% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+9.3% vs avg
1.76M
(09 Mar 2026)Delivery %-10.4% vs avg
47.3%
(09 Mar 2026)Avg Volume (20D)20-day average
1.61M
(09 Feb - 09 Mar)Avg Delivery %Trend ↓
57.6%
(09 Feb - 09 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Poonawalla Fincorp Ltd
116.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Cholamandalam Financial Holdings Ltd |
 HDB Financial Services Ltd |
 L&T Finance Ltd |
 Manappuram Finance Ltd |
 Mahindra & Mahindra Financial Services Ltd |
 Muthoot Finance Ltd |
 Poonawalla Fincorp Ltd |
 SBI Cards & Payment Services Ltd |
 Shriram Finance Ltd |
 Sundaram Finance Ltd |
 |
About
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.
COMPANY FACTS - CHOLAFIN
Registered Address
Dare House, 2, NSC Bose Road, Parrys
Chennai
TAMIL NADU
IN
Tel: 914425307172
Website:https://www.cholamandalam.com/
Investor Relations:http://www.cholamandalam.com/investors.aspx
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 38,235
IPO Date: 11/01/1995
MANAGEMENT - CHOLAFIN
Mr. Vellayan Subbiah
Non-Executive Chairman of the Board
Mr. D. Arul Selvan
Chief Financial Officer
Mr. Jeeva Balakrishnan
Chief Human Resource Officer
Ms. Pangurayirath Sujatha
Chief Compliance Officer, Company Secretary
Mr. Ravindra Kundu
Managing Director, Executive Director
Mr. M. A. M. Arunachalam
Non-Executive Director
Mr. Ramkumar Ramamoorthy
Additional Independent Director
Mrs. Bhama Krishnamurthy
Non-Executive Independent Director
Mr. Anand Kumar
Non-Executive Independent Director
Mr. M. R. Kumar
Additional Non-Executive Independent Director
Mr. N. Ramesh Rajan
Non-Executive Independent Director
Investor Questions Answered
Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) Stock FAQs
Get answers to the most common questions about Cholamandalam Investment & Finance Company Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) is ₹1,623.5. Today, the stock has gained by ₹40.50 (2.56%), trading in a range of ₹1,593 to ₹1,632.9. The stock opened at ₹1,606 with a trading volume of 9,77,567 shares.
Cholamandalam Investment & Finance Company Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,47,539.65 crores, P/E ratio of 30.44, ROE of 9.75%, and ROCE of 10.30%. The dividend yield stands at 0.11%. 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.
The 52-week high price of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) is ₹1,831.5, while the 52-week low is ₹1,358.65. Currently trading at ₹1,623.5, the stock is 56.0% away from its 52-week low and 11.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Cholamandalam Investment & Finance Company Ltd stock at ₹1,623.5 depends on multiple factors. The stock is currently trading with a P/E ratio of 30.44 and P/B ratio of N/A. Today's performance shows a gain of 2.56%. 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.
Cholamandalam Investment & Finance Company Ltd offers a dividend yield of 0.11%, which means for every ₹100 invested at the current price of ₹1,623.5, you can expect to receive approximately ₹0.11 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.
Cholamandalam Investment & Finance Company Ltd's key financial metrics include: P/E Ratio: 30.44, P/B Ratio: N/A, ROE: 9.75%, ROCE: 10.30%, Dividend Yield: 0.11%, EPS: ₹57.49, Book Value: ₹281.45, Debt-to-Equity: 7.42, and Current Ratio: N/A. The company's market cap stands at ₹1,47,539.65 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Cholamandalam Investment & Finance Company Ltd stock opened at ₹1,606 and is currently trading at ₹1,623.5, showing a gain of ₹40.50 (2.56%). The intraday high is ₹1,632.9 and low is ₹1,593. The trading volume stands at 9,77,567 shares, indicating moderate market participation today.
Cholamandalam Investment & Finance Company Ltd has a Price-to-Earnings (P/E) ratio of 30.44, which means investors are willing to pay ₹30.44 for every ₹1 of earnings. With an EPS of ₹57.49, 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.
Cholamandalam Investment & Finance Company Ltd has a market capitalization of ₹1,47,539.65 crores, making it a large-cap company. Market cap is calculated by multiplying the current stock price (₹1,623.5) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Cholamandalam Investment & Finance Company Ltd has a book value of ₹281.45 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹1,623.5, which is 476.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Cholamandalam Investment & Finance Company Ltd has a Return on Equity (ROE) of 9.75% and Return on Capital Employed (ROCE) of 10.30%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Cholamandalam Investment & Finance Company Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Cholamandalam Investment & Finance Company Ltd has a debt-to-equity ratio of 7.42, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Cholamandalam Investment & Finance Company Ltd has an Earnings Per Share (EPS) of ₹57.49, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹1,623.5 and P/E ratio of 30.44, investors are paying 30.44 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
Cholamandalam Investment & Finance Company Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Cholamandalam Investment & Finance Company Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Cholamandalam Investment & Finance Company Ltd stock, consider: 1) Fundamental Analysis - Review P/E (30.44), ROE (9.75%), debt-to-equity (7.42), and growth rates. 2) Technical Analysis - Check 52-week range (₹1358.65 - ₹1831.50), moving averages, and chart patterns. 3) Valuation - Compare current price (₹1623.50) with book value (₹281.45) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Cholamandalam Investment & Finance Company Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹1,623.5 is 81075x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Cholamandalam Investment & Finance Company Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹1358.65 - ₹1831.50). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 7.42 indicates leverage. 4) Liquidity Risk - Based on trading volume of 9,77,567 shares. 5) Valuation Risk - P/E of 30.44 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Cholamandalam Investment & Finance Company Ltd operates in the industry with key metrics: P/E ratio of 30.44, ROE of 9.75%, market cap of ₹1,47,539.65 crores, and dividend yield of 0.11%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 7.42), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Cholamandalam Investment & Finance Company Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹1,623.5, with a 52-week range of ₹1358.65 to ₹1831.50. Based on fundamentals like P/E (30.44), ROE (9.75%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Cholamandalam Investment & Finance Company Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹1623.50. 2) Fundamental Deterioration - Declining ROE (currently 9.75%), increasing debt (D/E: 7.42), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Cholamandalam Investment & Finance Company Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.11%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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