CHOLAMANDALAM IN & FIN CO Latest Share Price (CHOLAFIN)
TODAY IN ONE LINE
CHOLAFIN fell 1.4% on light volume, lagging Nifty's 0.4% move.
With a market cap of ₹1.51 L Cr., it trades at a P/E of 26.06. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
CHOLAMANDALAM IN & FIN CO flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 29.1% YoY
- ●Strong Return on EquityHealthy ROE of 17.2%
- ●Healthy Operating MarginsOPM is structurally strong at 68.7%
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●Sales ContractionQuarterly sales dropped 0.3% YoY
- ●High Leverage RiskDebt-to-Equity is elevated at 5.14x
Latest CHOLAMANDALAM IN & FIN CO News
What changed recently?
Recent events, corporate actions, and announcements.
CHOLAMANDALAM IN & FIN CO valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for CHOLAMANDALAM IN & FIN CO, framed against the sector median so the premium or discount is obvious at a glance.
CHOLAMANDALAM IN & FIN CO trades at a P/E of 26.06× and P/B of 4.94×, against the Financial Services sector median P/E of 15.67×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
CHOLAMANDALAM IN & FIN CO technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for CHOLAMANDALAM IN & FIN CO — derived from the latest tape, not yesterday's close.
CHOLAMANDALAM IN & FIN CO last traded at ₹1,765.6 with an intraday range of ₹1,756.3–₹1,800.7 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹1765.60| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 1880.90 | +115.30 | +6.53% |
| R3 | 1836.50 | +70.90 | +4.02% |
| R2 | 1818.60 | +53.00 | +3.00% |
| R1 | 1792.10 | +26.50 | +1.50% |
| PIVOT | 1774.20 | 8.60 | 0.49% |
| CURRENT | 1765.60 | — | — |
| S1 | 1747.70 | -17.90 | -1.01% |
| S2 | 1729.80 | -35.80 | -2.03% |
| S3 | 1703.30 | -62.30 | -3.53% |
| S4 | 1658.90 | -106.70 | -6.04% |
CHOLAFIN is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: ₹1769.6–₹1800.7
Trading Below opening range, showing Bearishness
CHOLAMANDALAM IN & FIN CO financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for CHOLAMANDALAM IN & FIN CO — consolidated or standalone — with margins, YoY growth and key ratios inline.
CHOLAMANDALAM IN & FIN CO reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1.51 L Cr. and reported EPS of ₹65.75.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 23,748 | 28,403 ▲ 19.6% |
| 307 | 466 ▲ 51.8% | |
| Total Income | 26,153 | 31,539 ▲ 20.6% |
| Net Interest Income (NII)Derived | 23,748 | 28,403 ▲ 19.6% |
| Profit Before Tax (PBT) | 5,741 | 6,973 ▲ 21.5% |
| 1,481 | 1,744 ▲ 17.7% | |
| Effective Tax %Derived | 25.80% | 25.01% |
| Total Profit for Period | 4,263 | 5,233 ▲ 22.8% |
| Less: Non-controlling Interests | — | — |
| Net Profit (Owner's PAT)Derived | 4,263 | 5,233 ▲ 22.8% |
| PAT Growth YoY %Derived | 24.64% | 22.75% |
| Earnings Per Share (EPS ₹) | 50.69 | 61.41 ▲ 21.1% |
| Diluted Shares Outstanding (Cr) | 84 | 85 ▲ 1.3% |
| Share of Profit from Associates/JVs | 3 | 4 ▲ 38.1% |
| Other Comprehensive Income (Net of Tax) | -141 | 173 ▲ 222.3% |
| Impairment On Financial Instruments | 2,494 | 3,536 ▲ 41.8% |
| Net Gain Amortised Derecognition | 159 | 439 ▲ 176.1% |
| Net Gain Fair Value Changes | 197 | 111 ▼ 43.3% |
| Revenue Sale Of Services | 4 | 5 ▲ 46.4% |
| Period | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | — | — | 8,125 | 9,225 ▲ 13.5% | 9,567 ▲ 3.7% | 12,083 ▲ 26.3% | 17,627 ▲ 45.9% | 23,748 ▲ 34.7% | 28,403 ▲ 19.6% | |
1 | 21 ▲ 3321.0% | 1 ▼ 97.1% | 4 ▲ 606.5% | 91 ▲ 1979.0% | 221 ▲ 143.2% | 280 ▲ 26.5% | 307 ▲ 9.5% | 466 ▲ 51.8% | ||
| Total Income | 5,501 | 7,109 ▲ 29.2% | 8,713 ▲ 22.6% | 9,584 ▲ 10.0% | 10,232 ▲ 6.8% | 13,106 ▲ 28.1% | 19,420 ▲ 48.2% | 26,153 ▲ 34.7% | 31,539 ▲ 20.6% | |
| Net Interest Income (NII)Derived | — | — | 8,125 | 9,225 ▲ 13.5% | 9,567 ▲ 3.7% | 12,083 ▲ 26.3% | 17,627 ▲ 45.9% | 23,748 ▲ 34.7% | 28,403 ▲ 19.6% | |
| Profit Before Tax (PBT) | 1,484 | 1,832 ▲ 23.4% | 1,588 ▼ 13.3% | 2,048 ▲ 28.9% | 2,908 ▲ 42.0% | 3,615 ▲ 24.3% | 4,605 ▲ 27.4% | 5,741 ▲ 24.7% | 6,973 ▲ 21.5% | |
510 | 635 ▲ 24.4% | 534 ▼ 15.8% | 527 ▼ 1.4% | 749 ▲ 42.2% | 938 ▲ 25.3% | 1,195 ▲ 27.4% | 1,481 ▲ 24.0% | 1,744 ▲ 17.7% | ||
| Effective Tax %Derived | 34.37% | 34.65% | 33.63% | 25.71% | 25.75% | 25.95% | 25.94% | 25.80% | 25.01% | |
| Total Profit for Period | 974 | 1,197 ▲ 22.9% | 1,054 ▼ 11.9% | 1,521 ▲ 44.3% | 2,154 ▲ 41.6% | 2,665 ▲ 23.7% | 3,420 ▲ 28.3% | 4,263 ▲ 24.6% | 5,233 ▲ 22.8% | |
| Less: Non-controlling Interests | -2 | 1 ▲ 190.7% | — ▼ 100.0% | — | — | — | — | — | — | |
| Net Profit (Owner's PAT)Derived | 975 | 1,195 ▲ 22.5% | 1,054 ▼ 11.8% | 1,521 ▲ 44.3% | 2,154 ▲ 41.6% | 2,665 ▲ 23.7% | 3,420 ▲ 28.3% | 4,263 ▲ 24.6% | 5,233 ▲ 22.8% | |
| PAT Growth YoY %Derived | — | 22.52% | -11.83% | 44.33% | 41.60% | 23.74% | 28.34% | 24.64% | 22.75% | |
| Earnings Per Share (EPS ₹) | 12.48 | 15.29 ▲ 22.5% | 12.86 ▼ 15.9% | 18.55 ▲ 44.2% | 26.23 ▲ 41.4% | 32.42 ▲ 23.6% | 40.72 ▲ 25.6% | 50.69 ▲ 24.5% | 61.41 ▲ 21.1% | |
| Diluted Shares Outstanding (Cr) | 78 | 78 ▲ 0.0% | 82 ▲ 4.8% | 82 ▲ 0.1% | 82 ▲ 0.1% | 82 ▲ 0.1% | 84 ▲ 2.2% | 84 ▲ 0.1% | 85 ▲ 1.3% | |
| Share of Profit from Associates/JVs | — | -0 | -0 ▼ 20.0% | -1 ▼ 26.2% | -5 ▼ 915.1% | -12 ▼ 119.7% | 9 ▲ 178.8% | 3 ▼ 71.0% | 4 ▲ 38.1% | |
| Other Comprehensive Income (Net of Tax) | — | -2 | -70 ▼ 3205.2% | -29 ▲ 58.1% | 136 ▲ 565.9% | 24 ▼ 82.5% | -71 ▼ 396.2% | -141 ▼ 99.4% | 173 ▲ 222.3% | |
| Impairment On Financial Instruments | — | — | 897 | 1,322 ▲ 47.3% | 880 ▼ 33.4% | 850 ▼ 3.5% | 1,318 ▲ 55.1% | 2,494 ▲ 89.3% | 3,536 ▲ 41.8% | |
| Net Gain Amortised Derecognition | — | — | 247 | — ▼ 100.0% | — | — | — | 159 | 439 ▲ 176.1% | |
| Net Gain Fair Value Changes | — | — | 16 | 5 ▼ 69.0% | 16 ▲ 230.8% | 70 ▲ 332.8% | 146 ▲ 109.4% | 197 ▲ 34.7% | 111 ▼ 43.3% | |
| Revenue Sale Of Services | — | — | 76 | 80 ▲ 6.2% | 85 ▲ 5.4% | 81 ▼ 4.3% | 24 ▼ 69.9% | 4 ▼ 85.6% | 5 ▲ 46.4% |
CHOLAMANDALAM IN & FIN CO segment analysis : revenue and profit mix.
Disclosed business segments at CHOLAMANDALAM IN & FIN CO with their share of revenue and profit, switchable between consolidated and standalone reporting.
CHOLAMANDALAM IN & FIN CO discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for CHOLAMANDALAM IN & FIN CO.
Our AI distills the core fundamental drivers supporting CHOLAMANDALAM IN & FIN CO, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
CHOLAMANDALAM IN & FIN CO's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Latest quarterly EPS grew 30.6% YoY, demonstrating consistent earnings momentum.
TTM revenue growth of 24.1% substantially outpaces NBFC peer median of 21.3%.
ROE of 19.30% significantly exceeds NBFC peer median of 17.91%.
Net profit margin of 31.68% TTM reflects strong pricing power in secured lending.
Market capitalization of ₹1.56 LCr positions company as fourth-largest NBFC.
Key Risks.
Operating cash flow persistently negative at ₹103,186 Cr, signaling structural burn.
Cash flow per share of ₹-352.11 annually indicates severe liquidity constraints.
Dividend yield of 0.11% offers minimal income return despite profitability.
Stock trading near 52-week high of ₹1,952.50 limits upside potential.
Beta of 1.37 indicates 37% higher volatility relative to broader market.
Flip Conditions.
Valuation risk. a P/E above 34 (~2.2× the sector multiple of 15.7) would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 12% would indicate weaker capital compounding.
CHOLAMANDALAM IN & FIN CO peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — CHOLAMANDALAM IN & FIN CO is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
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CHOLAMANDALAM IN & FIN CO chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for CHOLAMANDALAM IN & FIN CO — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
CHOLAMANDALAM IN & FIN CO delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for CHOLAMANDALAM IN & FIN CO over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in CHOLAMANDALAM IN & FIN CO stood at 65.0% of traded volume, against a 20-day average of 57.9%.
CHOLAMANDALAM IN & FIN CO announcements: results, concalls, ratings, M&A.
Filings CHOLAMANDALAM IN & FIN CO sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
CHOLAMANDALAM IN & FIN CO files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 155 documents below.
Allotment of Securities
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 244596 securities pursuant to ESOP/ESPS at its…
Allotment of Securities
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 2000 securities pursuant to Non Convertible…
Updates
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding the 'NOC received under Reg.31A(8) of SEBI Listing…
Allotment of Securities
Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 35000 securities pursuant to Non Convertible…
Suspension of Trading
Members of the Exchange are hereby informed that the trading in Non-Convertible Debentures of Cholamandalam Investment and Finance Company Limited…
Investor decks & rating reports.
CHOLAMANDALAM IN & FIN CO dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue CHOLAMANDALAM IN & FIN CO has declared, sequenced by announce and record date.
CHOLAMANDALAM IN & FIN CO corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About CHOLAMANDALAM IN & FIN CO: business, sector, key facts.
What CHOLAMANDALAM IN & FIN CO does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
CHOLAMANDALAM IN & FIN CO operates in the Non Banking Financial Company (NBFC) industry under the Financial Services sector, listed as NSE: CHOLAFIN, BSE: 511243.
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.
Go deeper on CHOLAMANDALAM IN & FIN CO
- CHOLAMANDALAM IN & FIN CO resultsQuarter-by-quarter revenue, profit, EPS and margins for CHOLAMANDALAM IN & FIN CO.
- CHOLAMANDALAM IN & FIN CO dividendEvery dividend CHOLAMANDALAM IN & FIN CO has declared, with ex-dates and yield.
- CHOLAMANDALAM IN & FIN CO shareholdingPromoter, FII and DII holding in CHOLAMANDALAM IN & FIN CO, quarter by quarter.
- CHOLAMANDALAM IN & FIN CO financialsCHOLAMANDALAM IN & FIN CO profit & loss, balance sheet and cash flow by year.
- CHOLAMANDALAM IN & FIN CO technical analysisPivots, CPR and live indicator readings for CHOLAMANDALAM IN & FIN CO.
- CHOLAMANDALAM IN & FIN CO corporate actionsBonus issues, splits, rights and buybacks declared by CHOLAMANDALAM IN & FIN CO.
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Questions investors ask about CHOLAMANDALAM IN & FIN CO (CHOLAFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of CHOLAMANDALAM IN & FIN CO (CHOLAFIN)?
The current share price of CHOLAMANDALAM IN & FIN CO (CHOLAFIN) is ₹1,765.60. Today, the stock has declined by ₹26.00 (1.45%), trading in a range of ₹1,756.30 to ₹1,800.70. The stock opened at ₹1,800.70 with a trading volume of 13,12,956 shares.
02Is CHOLAMANDALAM IN & FIN CO stock a good investment for long-term?
CHOLAMANDALAM IN & FIN CO can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1.51 L Cr., P/E ratio of 26.06, ROE of 17.18%, and ROCE of 9.17%. 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.
03What is the 52-week high and low price of CHOLAMANDALAM IN & FIN CO stock?
The 52-week high price of CHOLAMANDALAM IN & FIN CO (CHOLAFIN) is ₹1,952.50, while the 52-week low is ₹1,299.40. Currently trading at ₹1,765.60, the stock is 35.88% above its 52-week low and 9.57% 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 IN & FIN CO stock at the current price?
Whether to buy CHOLAMANDALAM IN & FIN CO stock at ₹1,765.60 depends on multiple factors. The stock is currently trading with a P/E ratio of 26.06 and P/B ratio of 4.94. Today's performance shows a loss of 1.45%. 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 IN & FIN CO and when is the next dividend?
CHOLAMANDALAM IN & FIN CO offers a dividend yield of 0.11%, which means for every ₹100 invested at the current price of ₹1,765.60, 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.
06What are the key financial ratios and metrics of CHOLAMANDALAM IN & FIN CO?
CHOLAMANDALAM IN & FIN CO's key financial metrics include: P/E Ratio: 26.06, P/B Ratio: 4.94, ROE: 17.18%, ROCE: 9.17%, Dividend Yield: 0.11%, EPS: ₹65.75, Book Value: ₹357.48, and Debt-to-Equity: 5.14. The company's market cap stands at ₹1.51 L Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is CHOLAMANDALAM IN & FIN CO stock performing today in the market?
CHOLAMANDALAM IN & FIN CO stock opened at ₹1,800.70 and is currently trading at ₹1,765.60, showing a decline of ₹26.00 (1.45%). The intraday high is ₹1,800.70 and low is ₹1,756.30. The trading volume stands at 13,12,956 shares, indicating strong market participation today.
08What is the P/E ratio of CHOLAMANDALAM IN & FIN CO and what does it indicate?
CHOLAMANDALAM IN & FIN CO has a Price-to-Earnings (P/E) ratio of 26.06, which means investors are willing to pay 26.06 for every ₹1 of earnings. With an EPS of ₹65.75, 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 IN & FIN CO (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.