Cholamandalam Financial Holdings Share Price Today (CHOLAHLDNG)
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Closed at ₹1,648.2 (−0.24%); delivery 55.2%. Market opens 9:15 IST. · as of 16:08 IST
With a market cap of ₹31,013.33 Cr., it trades at a P/E of 12.69. 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 Financial Holdings flags
Key strengths and potential risks.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 12.0% YoY
- ●Quarterly OutperformanceLatest quarter Sales up 16.3% and Profit up 12.0%
- ●Strong Return on EquityHealthy ROE of 17.5%
- ●Healthy Operating MarginsOPM is structurally strong at 55.1%
- ●Reasonable ValuationTrading at a moderate P/E of 12.8x
- ●Virtually Debt-FreeVery low Debt-to-Equity of 0.14x
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
No red flags identified.
What changed recently?
Recent events, corporate actions, and announcements.
Cholamandalam Financial Holdings Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Cholamandalam Financial Holdings Limited, framed against the sector median so the premium or discount is obvious at a glance.
Cholamandalam Financial Holdings Limited trades at a P/E of 12.69× and P/B of 2.00×.
Valuation
Profitability
Growth
Financial Health
Cholamandalam Financial Holdings Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Cholamandalam Financial Holdings Limited — derived from the live tape, not yesterday's close.
Cholamandalam Financial Holdings Limited last traded at ₹1,648.2 with an intraday range of ₹1,622.2–₹1,663.5 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹1648.20| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 1749.67 | +101.47 | +6.16% |
| R3 | 1708.37 | +60.17 | +3.65% |
| R2 | 1685.93 | +37.73 | +2.29% |
| R1 | 1667.07 | +18.87 | +1.14% |
| PIVOT | 1644.63 | -3.57 | -0.22% |
| CURRENT | 1648.20 | — | — |
| S1 | 1625.77 | -22.43 | -1.36% |
| S2 | 1603.33 | -44.87 | -2.72% |
| S3 | 1584.47 | -63.73 | -3.87% |
| S4 | 1543.17 | -105.03 | -6.37% |
CHOLAHLDNG is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: ₹1622.2–₹1650.1
Trading Inside opening range
Cholamandalam Financial Holdings Limited financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Cholamandalam Financial Holdings Limited, switchable between annual and quarterly views, consolidated or standalone.
Cholamandalam Financial Holdings Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹31,013.33 Cr. and reported EPS of ₹130.05.
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 3,345 | 10,926 | 13,135 | 13,900 | 14,644 | 18,146 | 25,804 | 33,125 | 39,073 |
| Interest Earned | — | — | 8,742 | 9,886 | 10,251 | 12,921 | 18,620 | 24,855 | 29,616 |
| +Other Income | 1 | 21 | 1 | 5 | 91 | 230 | 283 | 335 | 503 |
| Total Income | 3,346 | 10,947 | 13,136 | 13,905 | 14,735 | 18,376 | 26,087 | 33,460 | 39,576 |
| Net Interest Income (NII) | — | — | 8,742 | 9,886 | 10,251 | 12,921 | 18,620 | 24,855 | 29,616 |
| Gross Profit | 3,345 | 10,926 | 13,135 | 13,900 | 14,644 | 18,146 | 25,804 | 33,125 | 39,073 |
| +Operating Expenses | 2,965 | 5,147 | 5,410 | 5,318 | 6,374 | 7,757 | 10,081 | 11,818 | 13,987 |
| EBITDA | 379 | 5,778 | 7,725 | 8,582 | 8,270 | 10,388 | 15,722 | 21,307 | 25,086 |
| +Non-Operating Expenses | 28 | 3,665 | 4,742 | 4,753 | 4,482 | 5,954 | 9,497 | 12,790 | 14,721 |
| Profit Before Tax (PBT) | 352 | 2,135 | 1,806 | 2,400 | 3,044 | 3,824 | 5,200 | 6,400 | 7,326 |
| +Tax Expense | 107 | 721 | 642 | 636 | 801 | 1,006 | 1,361 | 1,666 | 1,848 |
| Total Profit for Period | 696 | 1,415 | 1,165 | 1,764 | 2,239 | 2,810 | 3,851 | 4,740 | 5,485 |
| Less: Non-controlling Interests | 97 | 718 | 576 | 940 | 1,216 | 1,519 | 2,078 | 2,566 | 3,044 |
| Net Profit (Owner's PAT) | 599 | 697 | 589 | 825 | 1,023 | 1,290 | 1,773 | 2,174 | 2,441 |
| Earnings Per Share (EPS) | 31.94 | 37.12 | 27.61 | 43.93 | 54.49 | 68.71 | 94.39 | 115.76 | 130.01 |
| Diluted Shares Outstanding (Nos.) | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
| +Additional Disclosures | 3,542 | 9,528 | 11,837 | 12,380 | 12,991 | 15,928 | 23,030 | 29,700 | 35,312 |
| Sales Growth % | — | 226.65 | 20.22 | 5.83 | 5.35 | 23.92 | 42.20 | 28.38 | 17.95 |
| YoY Sales Growth % | — | 226.65 | 20.22 | 5.83 | 5.35 | 23.92 | 42.20 | 28.38 | 17.95 |
| Employee Cost % | 4 | 7 | 6 | 7 | 9 | 10 | 12 | 11 | 12 |
| Other Cost % | 85 | 40 | 35 | 32 | 34 | 33 | 27 | 24 | 24 |
| Tax % | 30 | 34 | 36 | 27 | 26 | 26 | 26 | 26 | 25 |
| Profit Growth % | — | 16.31 | -15.48 | 40.05 | 24.06 | 26.11 | 37.38 | 22.63 | 12.31 |
| Ebit | 360 | 5,700 | 7,575 | 8,437 | 8,116 | 10,212 | 15,475 | 21,011 | 24,753 |
| Dividend Income | — | — | 2 | 2 | 4 | 7 | 18 | 25 | 35 |
| Impairment On Financial Instruments | — | — | 1,178 | 1,433 | 836 | 840 | 1,309 | 2,452 | 3,542 |
| Net Gain Amortised Derecognition | — | — | 247 | — | — | — | — | 159 | 439 |
| Net Gain Fair Value Changes | — | — | 143 | 194 | 68 | 86 | 500 | 325 | 82 |
| Other Revenue From Operations | — | — | 3,999.83 | 3,201.27 | 3,435.53 | 4,015.36 | 5,074.10 | 5,784.62 | 6,567.86 |
| Revenue Sale Of Services | — | — | — | 80 | 85 | 81 | 24 | 4 | 5 |
Cholamandalam Financial Holdings segment analysis: revenue and profit mix.
Disclosed business segments at Cholamandalam Financial Holdings with their share of revenue and profit, switchable between consolidated and standalone reporting.
Cholamandalam Financial Holdings 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 Financial Holdings Limited.
Our AI distills the core fundamental drivers supporting Cholamandalam Financial Holdings Limited, the risks that threaten it, and the exact valuation or growth triggers that should make you re-evaluate.
Cholamandalam Financial Holdings Limited's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
ROE of 17.50% 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.
Latest quarterly EPS grew 12.0% YoY, indicating consistent earnings momentum and profitability.
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 9.75% below 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 ₹2.10 LCr masks extreme leverage in absolute terms for NBFC operations.
Flip Conditions.
Trim if P/E re-rates above 16. The valuation cushion thins from there.
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 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 13%. The operating engine is no longer compounding capital efficiently.
Cholamandalam Financial Holdings Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Cholamandalam Financial Holdings Limited is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
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Cholamandalam Financial Holdings Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Cholamandalam Financial Holdings Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
Cholamandalam Financial Holdings Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Cholamandalam Financial Holdings Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Cholamandalam Financial Holdings Limited stood at 55.2% of traded volume, against a 20-day average of 56.4%.
Cholamandalam Financial Holdings announcements: results, concalls, ratings, M&A.
Filings Cholamandalam Financial Holdings sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Cholamandalam Financial Holdings files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 92 documents below.
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Cholamandalam Financial Holdings Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Copy of Newspaper Publication
Cholamandalam Financial Holdings Limited has informed the Exchange about Copy of Newspaper Publication with regard to convening of 77th Annual…
Trading Window
Cholamandalam Financial Holdings Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider…
Disclosure under SEBI Takeover Regulations
Ambadi Investments Ltd has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) and 31 (5) of the Securities and Exchange Board of…
Analysts/Institutional Investor Meet/Con. Call Updates
Cholamandalam Financial Holdings Limited has informed the Exchange about Transcript
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Cholamandalam Financial Holdings dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Cholamandalam Financial Holdings has declared, sequenced by announce and record date.
Cholamandalam Financial Holdings corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Cholamandalam Financial Holdings Limited: business, sector, key facts.
What Cholamandalam Financial Holdings Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Cholamandalam Financial Holdings Limited operates in the Investment Company industry under the Financial Services sector, listed as NSE: CHOLAHLDNG, BSE: 504973.
Cholamandalam Financial Holdings Limited
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 Financial Holdings Limited (CHOLAHLDNG).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Cholamandalam Financial Holdings Limited (CHOLAHLDNG)?
The current share price of Cholamandalam Financial Holdings Limited (CHOLAHLDNG) is ₹1,648.2. Today, the stock has declined by ₹3.90 (0.24%), trading in a range of ₹1,622.2 to ₹1,663.5. The stock opened at ₹1,650.1 with a trading volume of 2,04,110 shares.
02Is Cholamandalam Financial Holdings Limited stock a good investment for long-term?
Cholamandalam Financial Holdings Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹31,013.33 crores, P/E ratio of 12.69, ROE of 17.50%, and ROCE of 9.75%. 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 Financial Holdings Limited stock?
The 52-week high price of Cholamandalam Financial Holdings Limited (CHOLAHLDNG) is ₹2,169, while the 52-week low is ₹1,305. Currently trading at ₹1,648.2, the stock is 39.7% away from its 52-week low and 24.0% 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 Financial Holdings Limited stock at the current price?
Whether to buy Cholamandalam Financial Holdings Limited stock at ₹1,648.2 depends on multiple factors. The stock is currently trading with a P/E ratio of 12.69 and P/B ratio of 2.00. Today's performance shows a loss of 0.24%. 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 Financial Holdings Limited and when is the next dividend?
Cholamandalam Financial Holdings Limited offers a dividend yield of 0.08%, which means for every ₹100 invested at the current price of ₹1,648.2, 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 Financial Holdings Limited?
Cholamandalam Financial Holdings Limited's key financial metrics include: P/E Ratio: 12.69, P/B Ratio: 2.00, ROE: 17.50%, ROCE: 9.75%, Dividend Yield: 0.08%, EPS: ₹130.05, Book Value: ₹822.93, and Debt-to-Equity: 0.14. The company's market cap stands at ₹31,013.33 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Cholamandalam Financial Holdings Limited stock performing today in the market?
Cholamandalam Financial Holdings Limited stock opened at ₹1,650.1 and is currently trading at ₹1,648.2, showing a decline of ₹3.90 (0.24%). The intraday high is ₹1,663.5 and low is ₹1,622.2. The trading volume stands at 2,04,110 shares, indicating moderate market participation today.
08What is the P/E ratio of Cholamandalam Financial Holdings Limited and what does it indicate?
Cholamandalam Financial Holdings Limited has a Price-to-Earnings (P/E) ratio of 12.69, which means investors are willing to pay ₹12.69 for every ₹1 of earnings. With an EPS of ₹130.05, 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 Financial Holdings Limited (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.