CHOLAMANDALAM FIN HOL Latest Share Price (CHOLAHLDNG)
TODAY IN ONE LINE
CHOLAHLDNG fell 2.7% on light volume, lagging Nifty's -0.5% move, supported by recent strong earnings.
With a market cap of ₹28,489.6 Cr., it trades at a P/E of 10.70. 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 FIN HOL flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 12.0% YoY
- ●Quarterly OutperformanceLatest quarter Sales up 254798.4% and Profit up 40744.5%
- ●Strong Return on EquityHealthy ROE of 16.2%
- ●Healthy Operating MarginsOPM is structurally strong at 55.6%
- ●Reasonable ValuationTrading at a moderate P/E of 12.8x
- ●FII AccumulationFII holding increased by 13.00% QoQ
- ●Promoter BuyingPromoters increased holdings by 46.43% QoQ
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●High Leverage RiskDebt-to-Equity is elevated at 4.62x
Latest CHOLAMANDALAM FIN HOL News
What changed recently?
Recent events, corporate actions, and announcements.
CHOLAMANDALAM FIN HOL valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for CHOLAMANDALAM FIN HOL, framed against the sector median so the premium or discount is obvious at a glance.
CHOLAMANDALAM FIN HOL trades at a P/E of 10.70× and P/B of 1.85×.
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 FIN HOL technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for CHOLAMANDALAM FIN HOL — derived from the latest tape, not yesterday's close.
CHOLAMANDALAM FIN HOL last traded at ₹1,517.2 with an intraday range of ₹1,511.9–₹1,556.2 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹1517.20| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 1633.57 | +116.37 | +7.67% |
| R3 | 1589.27 | +72.07 | +4.75% |
| R2 | 1572.73 | +55.53 | +3.66% |
| R1 | 1544.97 | +27.77 | +1.83% |
| PIVOT | 1528.43 | 11.23 | 0.74% |
| CURRENT | 1517.20 | — | — |
| S1 | 1500.67 | -16.53 | -1.09% |
| S2 | 1484.13 | -33.07 | -2.18% |
| S3 | 1456.37 | -60.83 | -4.01% |
| S4 | 1412.07 | -105.13 | -6.93% |
CHOLAHLDNG is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹1540–₹1556.2
Trading Below opening range, showing Bearishness
CHOLAMANDALAM FIN HOL financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for CHOLAMANDALAM FIN HOL — consolidated or standalone — with margins, YoY growth and key ratios inline.
CHOLAMANDALAM FIN HOL reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹28,489.6 Cr. and reported EPS of ₹138.22.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 24,855 | 29,616 ▲ 19.2% |
| 335 | 503 ▲ 50.3% | |
| Total Income | 33,460 | 39,576 ▲ 18.3% |
| Net Interest Income (NII)Derived | 24,855 | 29,616 ▲ 19.2% |
| Profit Before Tax (PBT) | 6,400 | 7,326 ▲ 14.5% |
| 1,666 | 1,848 ▲ 11.0% | |
| Effective Tax %Derived | 26.03% | 25.23% |
| Total Profit for Period | 4,740 | 5,485 ▲ 15.7% |
| Less: Non-controlling Interests | 2,566 | 3,044 ▲ 18.6% |
| Net Profit (Owner's PAT)Derived | 2,174 | 2,441 ▲ 12.3% |
| PAT Growth YoY %Derived | 22.63% | 12.31% |
| Earnings Per Share (EPS ₹) | 115.76 | 130.01 ▲ 12.3% |
| Diluted Shares Outstanding (Cr) | 19 | 19 ▲ 0.0% |
| Share of Profit from Associates/JVs | 6 | 7 ▲ 23.1% |
| Other Comprehensive Income (Net of Tax) | 67 | 11 ▼ 83.7% |
| Dividend Income | 25 | 35 ▲ 42.7% |
| Impairment On Financial Instruments | 2,452 | 3,542 ▲ 44.4% |
| Net Gain Amortised Derecognition | 159 | 439 ▲ 176.1% |
| Net Gain Fair Value Changes | 325 | 82 ▼ 74.9% |
| Other Revenue From Operations | 5,785 | 6,568 ▲ 13.5% |
| 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 | — | — | 8,742 | 9,886 ▲ 13.1% | 10,251 ▲ 3.7% | 12,921 ▲ 26.1% | 18,620 ▲ 44.1% | 24,855 ▲ 33.5% | 29,616 ▲ 19.2% | |
1 | 21 ▲ 1917.1% | 1 ▼ 95.1% | 5 ▲ 361.2% | 91 ▲ 1824.8% | 230 ▲ 151.7% | 283 ▲ 23.1% | 335 ▲ 18.1% | 503 ▲ 50.3% | ||
| Total Income | 3,346 | 10,947 ▲ 227.2% | 13,136 ▲ 20.0% | 13,905 ▲ 5.9% | 14,735 ▲ 6.0% | 18,376 ▲ 24.7% | 26,087 ▲ 42.0% | 33,460 ▲ 28.3% | 39,576 ▲ 18.3% | |
| Net Interest Income (NII)Derived | — | — | 8,742 | 9,886 ▲ 13.1% | 10,251 ▲ 3.7% | 12,921 ▲ 26.1% | 18,620 ▲ 44.1% | 24,855 ▲ 33.5% | 29,616 ▲ 19.2% | |
| Profit Before Tax (PBT) | 352 | 2,135 ▲ 506.5% | 1,806 ▼ 15.4% | 2,400 ▲ 32.9% | 3,044 ▲ 26.8% | 3,824 ▲ 25.7% | 5,200 ▲ 36.0% | 6,400 ▲ 23.1% | 7,326 ▲ 14.5% | |
107 | 721 ▲ 576.2% | 642 ▼ 11.0% | 636 ▼ 0.9% | 801 ▲ 25.9% | 1,006 ▲ 25.6% | 1,361 ▲ 35.3% | 1,666 ▲ 22.3% | 1,848 ▲ 11.0% | ||
| Effective Tax %Derived | 30.30% | 33.78% | 35.55% | 26.51% | 26.33% | 26.31% | 26.18% | 26.03% | 25.23% | |
| Total Profit for Period | 696 | 1,415 ▲ 103.3% | 1,165 ▼ 17.7% | 1,764 ▲ 51.4% | 2,239 ▲ 26.9% | 2,810 ▲ 25.5% | 3,851 ▲ 37.0% | 4,740 ▲ 23.1% | 5,485 ▲ 15.7% | |
| Less: Non-controlling Interests | 97 | 718 ▲ 640.0% | 576 ▼ 19.8% | 940 ▲ 63.1% | 1,216 ▲ 29.5% | 1,519 ▲ 24.9% | 2,078 ▲ 36.8% | 2,566 ▲ 23.5% | 3,044 ▲ 18.6% | |
| Net Profit (Owner's PAT)Derived | 599 | 697 ▲ 16.3% | 589 ▼ 15.5% | 825 ▲ 40.0% | 1,023 ▲ 24.1% | 1,290 ▲ 26.1% | 1,773 ▲ 37.4% | 2,174 ▲ 22.6% | 2,441 ▲ 12.3% | |
| PAT Growth YoY %Derived | — | 16.31% | -15.48% | 40.05% | 24.06% | 26.11% | 37.38% | 22.63% | 12.31% | |
| Earnings Per Share (EPS ₹) | 31.94 | 37.12 ▲ 16.2% | 27.61 ▼ 25.6% | 43.93 ▲ 59.1% | 54.49 ▲ 24.0% | 68.71 ▲ 26.1% | 94.39 ▲ 37.4% | 115.76 ▲ 22.6% | 130.01 ▲ 12.3% | |
| Diluted Shares Outstanding (Cr) | 19 | 19 ▲ 0.1% | 19 ▲ 0.0% | 19 ▲ 0.0% | 19 ▲ 0.0% | 19 ▲ 0.0% | 19 ▲ 0.0% | 19 ▲ 0.0% | 19 ▲ 0.0% | |
| Share of Profit from Associates/JVs | 451 | 1 ▼ 99.8% | 1 ▲ 14.4% | 0 ▼ 74.8% | -3 ▼ 996.9% | -9 ▼ 202.8% | 12 ▲ 239.0% | 6 ▼ 51.2% | 7 ▲ 23.1% | |
| Other Comprehensive Income (Net of Tax) | — | -3 | -71 ▼ 1970.7% | -64 ▲ 8.9% | 87 ▲ 234.7% | -134 ▼ 255.0% | 53 ▲ 139.7% | 67 ▲ 25.7% | 11 ▼ 83.7% | |
| Dividend Income | — | — | 2 | 2 ▼ 22.3% | 4 ▲ 143.1% | 7 ▲ 66.0% | 18 ▲ 159.7% | 25 ▲ 35.0% | 35 ▲ 42.7% | |
| Impairment On Financial Instruments | — | — | 1,178 | 1,433 ▲ 21.7% | 836 ▼ 41.7% | 840 ▲ 0.5% | 1,309 ▲ 55.8% | 2,452 ▲ 87.4% | 3,542 ▲ 44.4% | |
| Net Gain Amortised Derecognition | — | — | 247 | — ▼ 100.0% | — | — | — | 159 | 439 ▲ 176.1% | |
| Net Gain Fair Value Changes | — | — | 143 | 194 ▲ 35.8% | 68 ▼ 65.2% | 86 ▲ 27.3% | 500 ▲ 480.5% | 325 ▼ 35.0% | 82 ▼ 74.9% | |
| Other Revenue From Operations | — | — | 4,000 | 3,201 ▼ 20.0% | 3,436 ▲ 7.3% | 4,015 ▲ 16.9% | 5,074 ▲ 26.4% | 5,785 ▲ 14.0% | 6,568 ▲ 13.5% | |
| Revenue Sale Of Services | — | — | — | 80 | 85 ▲ 5.4% | 81 ▼ 4.3% | 24 ▼ 69.9% | 4 ▼ 85.6% | 5 ▲ 46.4% |
CHOLAMANDALAM FIN HOL segment analysis : revenue and profit mix.
Disclosed business segments at CHOLAMANDALAM FIN HOL with their share of revenue and profit, switchable between consolidated and standalone reporting.
CHOLAMANDALAM FIN HOL 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 FIN HOL.
Our AI distills the core fundamental drivers supporting CHOLAMANDALAM FIN HOL, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
CHOLAMANDALAM FIN HOL'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 12.0% YoY, indicating consistent earnings momentum and profitability.
ROE of 16.19% demonstrates efficient capital deployment and strong shareholder value creation.
Operating margin of 16.70% TTM reflects robust pricing power and disciplined cost management.
P/E ratio of 12.78x significantly undervalued versus financial services sector median peers.
FII holdings increased to 18.32%, signaling growing international investor confidence and recognition.
Key Risks.
Negative cash flow per share of ₹-1,599.38 annually raises sustainability and earnings quality concerns.
Net operating cash flow negative ₹108,701 Cr in latest quarter indicates severe financing pressure.
ROCE of 8.92% below typical cost of capital, destroying shareholder value on incremental investments.
Dividend yield of 0.08% insufficient for income-focused investors seeking meaningful returns.
Total debt of ₹1.87 LCr masks extreme leverage in absolute terms for NBFC operations.
Flip Conditions.
Valuation risk. a P/E above 14 would leave less room for earnings disappointment.
Reassess if quarterly profit growth turns negative for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 5.12. Balance sheet risk re-prices growth multiples fast.
Return-quality risk. ROE below 11% would indicate weaker capital compounding.
CHOLAMANDALAM FIN HOL peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — CHOLAMANDALAM FIN HOL is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
CHOLAMANDALAM FIN HOL chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for CHOLAMANDALAM FIN HOL — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
CHOLAMANDALAM FIN HOL delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for CHOLAMANDALAM FIN HOL over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in CHOLAMANDALAM FIN HOL stood at 57.8% of traded volume, against a 20-day average of 57.9%.
CHOLAMANDALAM FIN HOL announcements: results, concalls, ratings, M&A.
Filings CHOLAMANDALAM FIN HOL sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
CHOLAMANDALAM FIN HOL files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 103 documents below.
Analysts/Institutional Investor Meet/Con. Call Updates
Cholamandalam Financial Holdings Limited has informed the Exchange about Transcript
Shareholders meeting
Cholamandalam Financial Holdings Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 14, 2026.…
Shareholders meeting
Cholamandalam Financial Holdings Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 14, 2026
Analysts/Institutional Investor Meet/Con. Call Updates
Cholamandalam Financial Holdings Limited has informed the Exchange about Link of Recording
Press Release
Cholamandalam Financial Holdings Limited has informed the Exchange regarding a press release dated August 14, 2026, titled "Un-audited financial…
Investor decks & rating reports.
CHOLAMANDALAM FIN HOL dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue CHOLAMANDALAM FIN HOL has declared, sequenced by announce and record date.
CHOLAMANDALAM FIN HOL corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About CHOLAMANDALAM FIN HOL: business, sector, key facts.
What CHOLAMANDALAM FIN HOL does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
CHOLAMANDALAM FIN HOL operates in the Investment Company industry under the Financial Services sector, listed as NSE: CHOLAHLDNG, BSE: 504973.
Cholamandalam Financial Holdings Limited (CHOLAHLDNG) is a prominent Indian financial services company with a long history, established in 1949 and headquartered in Chennai. Its core business revolves around providing a diverse range of financial products and services to individuals and businesses across India. The company's operations are primarily structured into two key segments: Financial Services and Insurance and Allied Services.
Within the Financial Services segment, CHOLAHLDNG offers a comprehensive suite of lending solutions. This includes a significant focus on vehicle financing, catering to both personal and commercial vehicle needs. They also provide loans secured by property, encompassing home loans and loans against existing property holdings. Furthermore, CHOLAHLDNG extends its credit services to Small and Medium-sized Enterprises (SMEs), offering crucial financial support for business growth and development. Their lending options are tailored to various needs and risk profiles, including secured and unsecured loans for businesses and individuals, as well as specialized financing for personal and consumer needs, and dedicated services targeting small enterprises.
The Insurance and Allied Services segment complements the lending activities by offering general insurance products. While the exact nature and scope of these insurance offerings aren't detailed in the provided information, it's clear that this segment adds another layer of financial services to the company's portfolio, potentially providing cross-selling opportunities and a diversified revenue stream. This integration of lending and insurance services allows CHOLAHLDNG to offer a comprehensive range of financial solutions under one umbrella.
In summary, CHOLAHLDNG operates as a multifaceted financial services provider in India, focusing on lending and insurance. Its diverse offerings cater to a broad client base, spanning individuals requiring vehicle, home, or personal loans, and businesses, particularly SMEs, seeking financing to support their operations and growth. The company's long operational history and broad service portfolio suggest a significant presence and established market position within the Indian financial landscape.
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Questions investors ask about CHOLAMANDALAM FIN HOL (CHOLAHLDNG).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of CHOLAMANDALAM FIN HOL (CHOLAHLDNG)?
The current share price of CHOLAMANDALAM FIN HOL (CHOLAHLDNG) is ₹1,517.20. Today, the stock has declined by ₹42.20 (2.71%), trading in a range of ₹1,511.90 to ₹1,556.20. The stock opened at ₹1,546.00 with a trading volume of 82,278 shares.
02Is CHOLAMANDALAM FIN HOL stock a good investment for long-term?
CHOLAMANDALAM FIN HOL can be considered for long-term investment based on several factors. The company has a market capitalization of ₹28,489.6 Cr., P/E ratio of 10.7, ROE of 16.19%, and ROCE of 8.92%. 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 FIN HOL stock?
The 52-week high price of CHOLAMANDALAM FIN HOL (CHOLAHLDNG) is ₹2,064.00, while the 52-week low is ₹1,305.00. Currently trading at ₹1,517.20, the stock is 16.26% above its 52-week low and 26.49% 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 FIN HOL stock at the current price?
Whether to buy CHOLAMANDALAM FIN HOL stock at ₹1,517.20 depends on multiple factors. The stock is currently trading with a P/E ratio of 10.7 and P/B ratio of 1.85. Today's performance shows a loss of 2.71%. 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 FIN HOL and when is the next dividend?
CHOLAMANDALAM FIN HOL offers a dividend yield of 0.08%, which means for every ₹100 invested at the current price of ₹1,517.20, you can expect to receive approximately ₹0.08 annually as dividends. The face value of the stock is ₹1.00. 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 FIN HOL?
CHOLAMANDALAM FIN HOL's key financial metrics include: P/E Ratio: 10.7, P/B Ratio: 1.85, ROE: 16.19%, ROCE: 8.92%, Dividend Yield: 0.08%, EPS: ₹138.22, Book Value: ₹823.00, and Debt-to-Equity: 4.62. The company's market cap stands at ₹28,489.6 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is CHOLAMANDALAM FIN HOL stock performing today in the market?
CHOLAMANDALAM FIN HOL stock opened at ₹1,546.00 and is currently trading at ₹1,517.20, showing a decline of ₹42.20 (2.71%). The intraday high is ₹1,556.20 and low is ₹1,511.90. The trading volume stands at 82,278 shares, indicating moderate market participation today.
08What is the P/E ratio of CHOLAMANDALAM FIN HOL and what does it indicate?
CHOLAMANDALAM FIN HOL has a Price-to-Earnings (P/E) ratio of 10.7, which means investors are willing to pay 10.70 for every ₹1 of earnings. With an EPS of ₹138.22, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about CHOLAMANDALAM FIN HOL (CHOLAHLDNG) 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.