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Cholamandalam Financial Holdings
Large Cap•2 Employees•IPO 1994
Current Price
₹1599.90
-34.2 (-2.09%)Updated
Valuation vs Sector
P/E Ratio
12.72vs 20.04
P/B Ratio
2.20vs 2.26
Div Yield
0.36%vs 0.54%
Today's Range
₹1570.00
₹1622.40
₹1599.90
52 Week Range
52W Low₹1357.35
52W High₹2231.60
₹1599.90
Downside17.87%
Upside39.48%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹33,187.79 Cr
Market Cap
Total market value of companyP/E Ratio
14.89
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
2.59
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹118.66
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
8.89%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
10.60%
ROCE
Return on Capital Employed. >15% is goodNet Margin
6.18%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
31.62%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
20.32%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
21.80%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
5.50%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
13.98
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹666.50
Book Value
Net asset value per shareDividend Yield
0.36%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
46.40%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
3 points- •Cholamandalam exhibits strong profitability with a robust ROE of 19.10%, indicating efficient capital use. A high operating profit margin of 56.40% further underscores its operational efficiency and pricing power in the financial services sector.
- •The company shows impressive quarterly sales growth of 21.80%, reflecting a positive trajectory and rising market demand for its financial services. This growth, combined with strong operational efficiency, suggests effective market penetration and robust performance.
Weaknesses
3 points- •Cholamandalam's high debt-to-equity ratio of 13.90 indicates substantial reliance on debt, increasing vulnerability to financial distress during economic downturns or interest rate hikes. This leverage could magnify impacts on profitability.
- •Despite a substantial promoter holding of 46.4%, a noticeable decline in promoter stake from 48.62% (2022) to 46.42% (2025) raises concerns about management commitment or potential future share dilutions, impacting investor confidence.
Opportunities
3 points- •Robust growth in the financial services sector, fueled by increasing economic activity and demand for diverse investment products, offers Cholamandalam a significant opportunity to expand its market share and enhance its service offerings.
- •A notable increase in FII holding from 11.31% (2023) to 17.39% (2025) signals growing international investor confidence in Cholamandalam's future prospects and financial stability, potentially attracting more foreign capital.
Threats
3 points- •Intense competition from established players and new fintech entrants in the financial services sector poses a continuous threat to Cholamandalam's market share and profitability, potentially leading to pricing pressures and reduced margins.
- •Adverse changes in financial regulations or central bank monetary policies could significantly impact Cholamandalam's operational flexibility and profitability. Stricter norms might increase compliance costs and restrict business growth.
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 | ₹1729.67 | +₹129.77 | +8.11% |
| R3 | ₹1677.27 | +₹77.37 | +4.84% |
| R2 | ₹1649.83 | +₹49.93 | +3.12% |
| R1 | ₹1624.87 | +₹24.97 | +1.56% |
| PIVOT | ₹1597.43 | -2.47 | -0.15% |
| CURRENT | ₹1599.90 | - | - |
| S1 | ₹1467.67 | -₹132.23 | -8.27% |
| S2 | ₹1520.07 | -₹79.83 | -4.99% |
| S3 | ₹1545.03 | -₹54.87 | -3.43% |
| S4 | ₹1572.47 | -₹27.43 | -1.71% |
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+29.0% vs avg
1.81L
(02 Mar 2026)Delivery %+16.0% vs avg
71.1%
(02 Mar 2026)Avg Volume (20D)20-day average
1.40L
(03 Feb - 02 Mar)Avg Delivery %Trend ↑
55.1%
(03 Feb - 02 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
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Capri Global Capital Ltd |
 CreditAccess Grameen Ltd |
 Five-Star Business Finance Ltd |
 HDB Financial Services Ltd |
 L&T Finance Ltd |
 Manappuram Finance Ltd |
 Mahindra & Mahindra Financial Services Ltd |
 Poonawalla Fincorp Ltd |
 SBFC Finance Ltd |
 SBI Cards & Payment Services Ltd |
 Sundaram Finance Ltd |
About
Cholamandalam Financial Holdings Ltd
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.
COMPANY FACTS - CHOLAHLDNG
Registered Address
Dare House, No. 234 N.S.C Bose Road
Chennai
TAMIL NADU
IN
Tel: 914442177770
Website:https://www.cholafhl.com/
Investor Relations:http://www.cholafhl.com/article/subsidyfinancials/400
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 2
IPO Date: 17/05/1994
MANAGEMENT - CHOLAHLDNG
Mr. Muthiah Murugappan
Non-Executive Chairman of the Board
Mr. N. Ganesh
Manager, Chief Financial Officer
Ms. Elanjezhian Krithika
Compliance Officer, Company Secretary
Mr. Sridharan Rangarajan
Non-Executive Director
Mr. A Vellayan Subbiah
Non-Executive Director
Mr. K. Balasubramanian
Non-Executive Independent Director
Mr. B. Ramaratnam
Non-Executive Independent Director
Mrs. Vasudha Sundararaman
Non-Executive Independent Director
Investor Questions Answered
Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) Stock FAQs
Get answers to the most common questions about Cholamandalam Financial Holdings Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) is ₹1,599.9. Today, the stock has declined by ₹34.20 (2.09%), trading in a range of ₹1,570 to ₹1,622.4. The stock opened at ₹1,570.9 with a trading volume of 1,81,016 shares.
Cholamandalam Financial Holdings Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹33,187.79 crores, P/E ratio of 14.89, ROE of 8.89%, and ROCE of 10.60%. The dividend yield stands at 0.36%. 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 Financial Holdings Ltd (CHOLAHLDNG) is ₹2,231.6, while the 52-week low is ₹1,357.35. Currently trading at ₹1,599.9, the stock is 27.7% away from its 52-week low and 28.3% 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 Financial Holdings Ltd stock at ₹1,599.9 depends on multiple factors. The stock is currently trading with a P/E ratio of 14.89 and P/B ratio of N/A. Today's performance shows a loss of 2.09%. 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 Financial Holdings Ltd offers a dividend yield of 0.36%, which means for every ₹100 invested at the current price of ₹1,599.9, you can expect to receive approximately ₹0.36 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.
Cholamandalam Financial Holdings Ltd's key financial metrics include: P/E Ratio: 14.89, P/B Ratio: N/A, ROE: 8.89%, ROCE: 10.60%, Dividend Yield: 0.36%, EPS: ₹118.66, Book Value: ₹666.5, Debt-to-Equity: 13.98, and Current Ratio: N/A. The company's market cap stands at ₹33,187.79 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Cholamandalam Financial Holdings Ltd stock opened at ₹1,570.9 and is currently trading at ₹1,599.9, showing a decline of ₹34.20 (2.09%). The intraday high is ₹1,622.4 and low is ₹1,570. The trading volume stands at 1,81,016 shares, indicating moderate market participation today.
Cholamandalam Financial Holdings Ltd has a Price-to-Earnings (P/E) ratio of 14.89, which means investors are willing to pay ₹14.89 for every ₹1 of earnings. With an EPS of ₹118.66, 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.
Cholamandalam Financial Holdings Ltd has a market capitalization of ₹33,187.79 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹1,599.9) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Cholamandalam Financial Holdings Ltd has a book value of ₹666.5 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹1,599.9, which is 140.0% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Cholamandalam Financial Holdings Ltd has a Return on Equity (ROE) of 8.89% and Return on Capital Employed (ROCE) of 10.60%. 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 Financial Holdings 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 Financial Holdings Ltd has a debt-to-equity ratio of 13.98, 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 Financial Holdings Ltd has an Earnings Per Share (EPS) of ₹118.66, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹1,599.9 and P/E ratio of 14.89, investors are paying 14.89 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
Cholamandalam Financial Holdings 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 Financial Holdings 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 Financial Holdings Ltd stock, consider: 1) Fundamental Analysis - Review P/E (14.89), ROE (8.89%), debt-to-equity (13.98), and growth rates. 2) Technical Analysis - Check 52-week range (₹1357.35 - ₹2231.60), moving averages, and chart patterns. 3) Valuation - Compare current price (₹1599.90) with book value (₹666.50) 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 Financial Holdings Ltd share is ₹1.00. 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 ₹1,599.9 is 159890x 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 Financial Holdings Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹1357.35 - ₹2231.60). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 13.98 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,81,016 shares. 5) Valuation Risk - P/E of 14.89 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 Financial Holdings Ltd operates in the industry with key metrics: P/E ratio of 14.89, ROE of 8.89%, market cap of ₹33,187.79 crores, and dividend yield of 0.36%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 13.98), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Cholamandalam Financial Holdings Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹1,599.9, with a 52-week range of ₹1357.35 to ₹2231.60. Based on fundamentals like P/E (14.89), ROE (8.89%), 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 Financial Holdings Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹1599.90. 2) Fundamental Deterioration - Declining ROE (currently 8.89%), increasing debt (D/E: 13.98), 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 Financial Holdings 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: 0.36%) 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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