Cholamandalam Investment and Finance Company Limited CHOLAFIN NSEFINANCIAL
Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer portal services under the Gaadi Bazaar brand, which act as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is headquartered in Chennai, India.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 39.8%.
- Compounding revenue at 33.9% 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.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CHOLAFIN Cholamandalam Investment and Finance Company Limited NSEFINANCIAL | 1,537.70 | 24.87 | ₹1.31 L Cr | 0.13% | - | 19.33% | 33.90% | 25.22% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 3,561.67 Cr | 3,772.20 Cr | 3,885.03 Cr | 4,362.94 Cr | 4,810.52 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 1,433.10 Cr | 1,448.95 Cr | 1,471.43 Cr | 1,717.33 Cr | 1,822.23 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 3,274.93 Cr | 3,364.67 Cr | 3,468.06 Cr | 3,645.74 Cr | 3,753.02 Cr |
| Pretax Income | 1,465.65 Cr | 1,698.56 Cr | 1,532.00 Cr | 1,735.74 Cr | 2,143.12 Cr |
| Tax Provision | 377.44 Cr | 439.02 Cr | 394.17 Cr | 445.77 Cr | 497.92 Cr |
| Net Income | 1,088.21 Cr | 1,259.54 Cr | 1,137.83 Cr | 1,289.97 Cr | 1,645.20 Cr |
| Diluted EPS | 12.91 | 14.94 | 13.50 | 15.25 | 19.28 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 7,145.25 Cr | 9,938.87 Cr | 13,658.03 Cr | 17,154.60 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 2,860.68 Cr | 4,269.18 Cr | 5,422.27 Cr | 6,645.22 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 5,733.32 Cr | 9,213.34 Cr | 12,494.53 Cr | 14,384.13 Cr |
| Pretax Income | - | 3,614.59 Cr | 4,605.31 Cr | 5,744.15 Cr | 6,976.77 Cr |
| Tax Provision | - | 937.92 Cr | 1,194.57 Cr | 1,481.45 Cr | 1,744.16 Cr |
| Net Income | - | 2,664.85 Cr | 3,420.06 Cr | 4,262.70 Cr | 5,232.61 Cr |
| Diluted EPS | - | 32.38 | 41.06 | 50.60 | 61.83 |
Compounded Sales Growth
| 5 Years: | 33.90% |
| 1 Year: | 24.10% |
Compounded Profit Growth
| 5 Years: | 25.22% |
| 1 Year: | 29.10% |
Stock Price Performance
| 1 Year: | -4.25% |
| 6 Months: | -6.83% |
| 3 Months: | -9.00% |
| 1 Month: | -1.00% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 1.14 L Cr | 1.57 L Cr | 2.02 L Cr | 2.45 L Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 1,991.61 Cr | 2,236.23 Cr | 6,521.34 Cr | 14,695.08 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 1,347.49 Cr | 1,313.09 Cr | 1,071.48 Cr | 529.05 Cr |
| Total Liabilities | - | 99,280.80 Cr | 1.37 L Cr | 1.78 L Cr | 2.15 L Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 97,524.39 Cr | 1.35 L Cr | 1.76 L Cr | 2.11 L Cr |
| Total Equity | - | 14,346.10 Cr | 19,593.24 Cr | 23,668.69 Cr | 30,458.40 Cr |
| Shares Outstanding | - | 82.20 Cr | 84.00 Cr | 84.09 Cr | 85.20 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -27,105.05 Cr | -35,682.85 Cr | -32,413.15 Cr | -30,020.80 Cr |
| Investing Cash Flow | - | -2,148.41 Cr | -2,854.59 Cr | -2,948.12 Cr | -2,554.01 Cr |
| Financing Cash Flow | - | 27,466.47 Cr | 38,471.23 Cr | 39,795.28 Cr | 35,610.01 Cr |
| Capital Expenditure | - | -189.45 Cr | -1,076.24 Cr | -199.53 Cr | -265.11 Cr |
| Free Cash Flow | - | -27,294.50 Cr | -36,759.09 Cr | -32,612.68 Cr | -30,285.91 Cr |
| Net Change in Cash | - | -1,786.99 Cr | -66.21 Cr | 4,434.01 Cr | 3,035.20 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 37.3% | 34.4% | 31.2% | 30.5% |
| ROE % | - | 18.6% | 17.5% | 18.0% | 17.2% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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