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₹1,816.60
+17.58% 1Y
Mkt Cap₹1.55 L Cr
P/E29.38
P/B5.07
52W High₹1,853.40
52W Low₹1,354.70
Book Value₹357.48
EPS (TTM)₹61.83

Company Overview

CHOLAFIN (CHOLAFIN) is a publicly traded company listed on NSE with a market capitalization of ₹1.55 L Cr. The valuation, growth and price-trend signals below summarize what matters most to investors and traders evaluating the stock.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 17.2%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 25.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 32.8% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 31.2%.

Recent Developments

  • Mar 2026 Revenue of ₹16,752.35 Cr (+24.9% YoY); net profit ₹5,232.61 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +24.9%, earnings +22.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 32.8%, profit CAGR 25.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:32.85%
1 Year:24.91%

Compounded Profit Growth

5 Years:25.22%
1 Year:22.75%

Stock Price Performance

1 Year:+17.58%
6 Months:+6.26%
3 Months:+15.05%
1 Month:+8.11%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 93% of range
₹1,354.70 ₹1,853.40
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.04 · Neutral
Price Performance
1M+8.11%
3M+15.05%
6M+6.26%
1Y+17.58%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.2%.
  • Compounding revenue at 32.8% over 5 years.
  • Profit CAGR of 25.2% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
29.38
Industry PE
-
Forward P/E est.
23.93
PEG Ratio
-
Book Value
₹357.48
Price to Book
5.07
P/S
9.21
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
32.85%
Profit 5Y
25.22%
Revenue (YoY)
24.91%
Earnings (YoY)
22.75%

Profitability & Returns

ROCE
-
ROE
17.18%
ROA
2.13%
Profit Margin
31.24%
Op Margin
-
Gross Margin
-
EPS (Latest Qtr)
₹19.28
EPS (TTM)
₹61.83

Balance Sheet & Liquidity

Debt/Equity
6.95
Quick Ratio
-
Current Ratio
-
Debt
₹2.12 L Cr
Total Assets
₹2.45 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
49.20%
Chg in Prom Hold
-0.08%
FII / Inst Holding
36.70%
Chg in FII Hold
0.09%

Financial Snapshot

Enterprise Value
₹1.55 L Cr
Total Revenue (TTM)
₹16,752.35 Cr
EBITDA
-
Free Cash Flow
₹-30,285.91 Cr
Operating Cash Flow
₹-30,020.80 Cr
Shares Outstanding
₹85.20 Cr
Gross Margin
-
Payout Ratio
-
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 3,741.00 Cr4,100.00 Cr4,623.00 Cr5,007.00 Cr5,410.00 Cr5,812.00 Cr6,255.00 Cr3,561.67 Cr3,772.20 Cr3,885.03 Cr7,491.00 Cr4,362.94 Cr4,810.52 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 902.00 Cr1,174.00 Cr1,391.00 Cr1,412.00 Cr1,417.00 Cr1,727.00 Cr1,897.00 Cr1,433.10 Cr1,448.95 Cr1,471.43 Cr2,460.00 Cr1,717.33 Cr1,822.23 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 1,734.00 Cr2,006.00 Cr2,204.00 Cr2,441.00 Cr2,579.00 Cr2,796.00 Cr3,059.00 Cr3,274.93 Cr3,364.67 Cr3,468.06 Cr3,517.00 Cr3,645.74 Cr3,753.02 Cr
Pretax Income 1,163.00 Cr952.00 Cr1,062.00 Cr1,156.00 Cr1,444.00 Cr1,275.00 Cr1,305.00 Cr1,465.65 Cr1,698.56 Cr1,532.00 Cr1,566.00 Cr1,735.74 Cr2,143.12 Cr
Tax Provision 302.38 Cr238.00 Cr286.74 Cr289.00 Cr375.44 Cr331.50 Cr339.30 Cr377.44 Cr439.02 Cr394.17 Cr407.16 Cr445.77 Cr497.92 Cr
Net Income 855.00 Cr710.00 Cr773.00 Cr872.00 Cr1,065.00 Cr947.00 Cr968.00 Cr1,088.21 Cr1,259.54 Cr1,137.83 Cr1,160.00 Cr1,289.97 Cr1,645.20 Cr
Diluted EPS 10.408.649.4010.3912.6811.2711.5212.9114.9413.5013.7815.2519.28

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 3,715.00 Cr4,214.00 Cr4,694.00 Cr5,559.00 Cr7,108.00 Cr8,712.00 Cr9,583.00 Cr-7,145.25 Cr9,938.87 Cr13,411.07 Cr16,752.35 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 1,061.00 Cr1,266.00 Cr1,322.00 Cr1,451.00 Cr1,632.00 Cr2,421.00 Cr2,913.00 Cr-2,860.68 Cr4,269.18 Cr5,426.95 Cr6,651.06 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 1,958.00 Cr2,048.00 Cr2,228.00 Cr2,657.00 Cr3,588.00 Cr4,592.00 Cr4,576.00 Cr-5,733.32 Cr9,213.34 Cr12,475.24 Cr14,364.30 Cr
Pretax Income 666.00 Cr879.00 Cr1,107.00 Cr1,401.00 Cr1,832.00 Cr1,588.00 Cr2,048.00 Cr-3,614.59 Cr4,605.31 Cr5,741.45 Cr6,973.04 Cr
Tax Provision 219.78 Cr307.65 Cr387.45 Cr476.34 Cr641.20 Cr539.92 Cr532.48 Cr-937.92 Cr1,194.57 Cr1,481.45 Cr1,744.16 Cr
Net Income 444.00 Cr575.00 Cr718.00 Cr918.00 Cr1,197.00 Cr1,054.00 Cr1,521.00 Cr-2,664.85 Cr3,420.06 Cr4,262.70 Cr5,232.61 Cr
Diluted EPS 6.187.369.2111.7615.3212.8618.55-32.3841.0650.6061.83

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 23,868.00 Cr27,889.00 Cr30,598.00 Cr44,167.00 Cr57,490.00 Cr64,058.00 Cr74,644.00 Cr-1.14 L Cr1.57 L Cr2.02 L Cr2.45 L Cr
Current Assets ------------
Cash & Equivalents --------1,991.61 Cr2,236.23 Cr6,521.34 Cr10,889.74 Cr
Inventory ------------
Receivables --------1,347.49 Cr1,313.09 Cr1,072.12 Cr1,590.90 Cr
Total Liabilities --------99,280.80 Cr1.37 L Cr1.78 L Cr2.15 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------97,524.39 Cr1.35 L Cr1.76 L Cr2.12 L Cr
Total Equity 2,675.00 Cr3,670.00 Cr4,298.00 Cr5,125.00 Cr6,208.00 Cr8,200.00 Cr9,600.00 Cr-14,346.10 Cr19,593.24 Cr23,668.69 Cr30,458.40 Cr
Shares Outstanding --------82.20 Cr84.00 Cr84.09 Cr85.20 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -2,264.00 Cr-2,809.00 Cr-1,468.00 Cr-7,926.00 Cr-9,317.00 Cr-2,075.00 Cr-8,848.00 Cr--27,105.05 Cr-35,682.85 Cr-32,413.15 Cr-30,020.80 Cr
Investing Cash Flow -40.00 Cr-137.00 Cr-222.00 Cr-60.00 Cr-11.00 Cr-54.00 Cr-1,746.00 Cr--2,148.41 Cr-2,854.59 Cr-2,948.12 Cr-2,554.01 Cr
Financing Cash Flow 1,819.00 Cr3,031.00 Cr1,692.00 Cr8,009.00 Cr12,191.00 Cr2,452.00 Cr8,707.00 Cr-27,466.47 Cr38,471.23 Cr39,795.28 Cr35,610.01 Cr
Capital Expenditure -30.00 Cr-76.00 Cr-57.00 Cr-68.00 Cr-74.00 Cr-70.00 Cr-32.00 Cr--189.45 Cr-1,076.24 Cr-199.53 Cr-265.11 Cr
Free Cash Flow -2,294.00 Cr-2,885.00 Cr-1,525.00 Cr-7,994.00 Cr-9,391.00 Cr-2,145.00 Cr-8,880.00 Cr--27,294.50 Cr-36,759.09 Cr-32,612.68 Cr-30,285.91 Cr
Net Change in Cash -485.00 Cr85.00 Cr2.00 Cr22.00 Cr2,862.00 Cr323.00 Cr-1,888.00 Cr--1,786.99 Cr-66.21 Cr4,434.01 Cr3,035.20 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 12.0%13.6%15.3%16.5%16.8%12.1%15.9%-37.3%34.4%31.8%31.2%
ROE % 16.6%15.7%16.7%17.9%19.3%12.9%15.8%-18.6%17.5%18.0%17.2%
ROCE % ------------

Shareholding Pattern

Insiders
49.20%
Institutions
36.70%
Public Float
72.26%

Analyst View

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Latest News

Recent headlines for CHOLAFIN

Google News hu, 25 Jun 2026

CHOLAFIN Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Sat, 17 Jan 2026

Those who invested in Cholamandalam Investment and Finance (NSE:CHOLAFIN) five years ago are up 308% - simplywall.st

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Google News Fri, 10 Jul 2026

CHOLAFIN Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

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Google News Sun, 21 Dec 2025

What You Can Learn From Cholamandalam Investment and Finance Company Limited's (NSE:CHOLAFIN) P/E - simplywall.st

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Google News Fri, 26 Jun 2026

Cholamandalam Investment and Finance Co. Ltd. Actuals & Estimates (NSE:CHOLAFIN) - TradingView

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Google News hu, 26 Feb 2026

Chola Fin denies Vellayan Subbiah exit report, stock slides 2% - BusinessLine

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CHOLAFIN — Frequently Asked Questions

What is the current share price of CHOLAFIN?

As of 2026-07-15 09:52 IST, CHOLAFIN trades at ₹1,816.60 on NSE. Its 52-week range is ₹1,354.70 to ₹1,853.40.

What is the market capitalisation of CHOLAFIN?

CHOLAFIN has a market capitalisation of ₹1.55 L Cr on NSE.

What is the P/E ratio of CHOLAFIN?

CHOLAFIN trades at a trailing price-to-earnings (P/E) ratio of 29.38. Its price-to-book (P/B) ratio is 5.07.

What is the return on equity (ROE) of CHOLAFIN?

CHOLAFIN has a return on equity (ROE) of 17.18%.

Is CHOLAFIN a good stock to buy?

This page provides a data-driven analysis of CHOLAFIN, including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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