🇮🇳 India Stock Screener ← Switch market ★ Elite Club ⚡ HerAI

Cholamandalam Investment and Finance Company Limited CHOLAFIN NSEFINANCIAL

Financial Services · Credit Services · India
https://www.cholamandalam.com
Company Profile ↓
₹1,839.00
+26.91% 1Y
Mkt Cap₹1.57 L Cr
P/E29.74
P/B5.22
Div. Yield0.07%
52W High₹1,940.00
52W Low₹1,354.17
Book Value₹357.48
EPS (TTM)₹61.83

Company Overview

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 vehicle, two- and three- wheelers, and tractors and farm equipment, 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 professionals, and proprietorship, partnership, and private limited companies. 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 platform services under the Gaadi Bazaar brand, which integrates vehicle trading, auctions, 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 based in Chennai, India.

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:+26.91%
6 Months:+13.12%
3 Months:+23.03%
1 Month:-5.21%

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

Technical Snapshot Bullish
52-Week Range 83% of range
₹1,354.17 ₹1,940.00
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)48.26 · Neutral
Price Performance
1M-5.21%
3M+23.03%
6M+13.12%
1Y+26.91%
Valuation vs Sector

P/E of 29.74 is above the sector median of 19.62 — pricier than peers.

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

⚙Ad space

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.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

⚙Ad space

Valuation

Stock P/E
29.74
Industry PE
19.62
Forward P/E
18.73
PEG Ratio
-
Book Value
₹357.48
Price to Book
5.22
P/S
11.24
EV/EBITDA
-
Dividend Yield
0.07%

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
56.59%
Gross Margin
99.93%
EPS (Latest Qtr)
₹19.33
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
51.97%
Chg in Prom Hold
2.76%
FII / Inst Holding
39.30%
Chg in FII Hold
0.05%

Financial Snapshot

Enterprise Value
₹1.57 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
99.93%
Payout Ratio
2.96%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CHOLAFIN Cholamandalam Investment and Finance Company Limited NSEFINANCIAL 1,839.00 29.74 ₹1.57 L Cr 0.07% - 17.18% 32.85% 25.22%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
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 2026Jun 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 Cr4,949.31 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 Cr1,805.18 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 Cr4,007.37 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 Cr2,223.56 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 Cr567.34 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 Cr1,656.22 Cr
Diluted EPS 10.408.649.4010.3912.6811.2711.5212.9114.9413.5013.7815.2519.2819.33

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
51.97%
Institutions
39.30%
Public Float
81.82%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for CHOLAFIN

Google News Sat, 17 Jan 2026

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

<a href="https://news.google.com/rss/articles/CBMiiwJBVV95cUxPd0M2MGFDSzV6RXV2aF9PRGFsVmNPMkdpME9NYmpHNU4wb1VUVGJtVW1BVGtIQVNFNFkyMk9HencxNGtyUXp6a3lORjdBMGFQZk9NUFoxNTloc3RfU3c2OFRUMlF5MmdKanZ1dF80REZ2emRWdTJxQVpmYkFOM0x2Q253b0FwZlVQX1pFVF…

Google News hu, 25 Jun 2026

CHOLAFIN Forecast — Price Target — Prediction for 2027 - TradingView

<a href="https://news.google.com/rss/articles/CBMie0FVX3lxTE8tZ2VodlZHSnFFd0QwRVJ0NXh2bFhTMUdDWjFONWF6X3Z6MzJkN0FUQ3dJd2pmbFpaMGt2N1l2dTBVNjJ5YWh3LWJsREdIZVBMdVFBSmNWcFRVajZOVWltZTJyb0pfYUdJWThwMVNkUWw3b3JDS2t4VjhLQQ?oc=5" target="_blank">C…

Google News hu, 03 Sep 2026

CHOLAFIN Share Price rises 2.09%: price, valuation view - Univest

<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxNc2t6d2tDaVFValN5YlNldVh2b040Rmp3OXFvWERQWl9QSnVwVXN2amkwTUlPWVZ1aFZ4Z19RaS1seXo5RmFiUDg3dGxxcnNBdmhwZXZJN01ibWZjeGVoYnBPeHo2NWdXbFJYVENISmR0Z1hRMThwUFl1MGl3a0hnZGQtNXQ1bk5IbjVaUT…

Google News ue, 02 Jun 2026

Cholamandalam Investment Declines 2.19% Amidst Broader Market Pressure; Key Support Levels in Focus - Jelly Roll Trade - vinanet.vn

<a href="https://news.google.com/rss/articles/CBMi0wFBVV95cUxOZ1hEX2llaWlWUjVfd1NtRnh4Mm1sajJRc2RIM2Z3M3J5eWwwQVJqU2REQUcwbDh1RlNqRGVUZ3F0c294WUJCWXR4Z2JidnRaNFZUQ25yYjlHeG1ybzN1dHFWVm9zUDRTMGtoc0VXN2VjQXJ5d2xOeUk5MW4zbzFHOWU0MmJsYjZhaVV2eU…

Google News Sun, 21 Dec 2025

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

<a href="https://news.google.com/rss/articles/CBMiiAJBVV95cUxNeFhrRmtsUjdoMWlGR2x3VmlMdmluYjNnVjcxckh1a2h3aUZodmgwaGs2enVNZ2tNdXVlWFVBSVNySGZKSzQ3OXlFdHN4cnVzOUdXMXd4MmxJcWxZcVduTWdLdXltUW96WEFkWkdEYzdhcDJnc0hucF9ISmxnM2ZKaGxVNHoxNl9md1BTZU…

Google News Wed, 01 Jul 2026

Cholamandalam Investment Holds Steady Near ₹1,807 as Consolidation Continues - High Reward Trades - siam.in

<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxObHRWQzVDSS1RaU5FT2xHSFNPRmNNSmNRc2E4ZGxVWlZRTWJ0cU52LXFoakxMZHNQVFdEQUoxNW95X0dZSDhpOVdWWEpuNzlSLURyN1l2MmxYdWt5WEN1ZExLYnlEbFFkZFYzUy1yeHNtZzVlQUNPQVpVV2VnVkNuVUdpc3Jibi1lWXJqTG…

CHOLAFIN — Frequently Asked Questions

What is the current share price of Cholamandalam Investment and Finance Company Limited (CHOLAFIN)?

As of 2026-09-08 04:53 IST, Cholamandalam Investment and Finance Company Limited (CHOLAFIN) trades at ₹1,839.00 on NSE. Its 52-week range is ₹1,354.17 to ₹1,940.00.

What is the market capitalisation of CHOLAFIN?

Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has a market capitalisation of ₹1.57 L Cr on NSE.

What is the P/E ratio of CHOLAFIN?

CHOLAFIN trades at a trailing price-to-earnings (P/E) ratio of 29.74. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 5.22.

Does CHOLAFIN pay a dividend?

Cholamandalam Investment and Finance Company Limited (CHOLAFIN) currently offers a dividend yield of 0.07%.

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 Cholamandalam Investment and Finance Company Limited (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.

Explore More

📊 Financial Services Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All India Stocks
⚙Ad space