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Cholamandalam Financial Holdings Limited CHOLAHLDNG NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://cholafhl.com
Company Profile ↓
₹1,329.60
-28.28% 1Y
Mkt Cap₹24,966.89 Cr
P/E9.36
P/B1.70
Div. Yield0.09%
52W High₹2,017.91
52W Low₹1,329.60
Book Value₹823.00
EPS (TTM)₹142.11

Company Overview

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, gold loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including motor, property and casualty, health, accident, fire and engineering, crop, marine, and travel insurance, as well as reinsurance. It serves first-time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.8%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 23.7% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 28.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.4, below the sector median of 15.4.

Healthy Margins

Operating margin of 38.8% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹40,693.05 Cr (+16.8% YoY); net profit ₹2,441.29 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +13.9%, earnings +39.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 28.0%, profit CAGR 23.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:28.05%
1 Year:13.90%

Compounded Profit Growth

5 Years:23.69%
1 Year:39.30%

Stock Price Performance

1 Year:-28.28%
6 Months:-15.20%
3 Months:-12.86%
1 Month:-11.81%

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

Technical Snapshot Bearish
52-Week Range 0% of range
₹1,329.60 ₹2,017.91
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)31.14 · Neutral
Price Performance
1M-11.81%
3M-12.86%
6M-15.20%
1Y-28.28%
Valuation vs Sector

P/E of 9.36 is below the sector median of 15.36 — relatively cheaper than peers.

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

  • Compounding revenue at 28.0% over 5 years.
  • Profit CAGR of 23.7% over 5 years.

CONS

  • Trading 34.1% below its 52-week high.
  • 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
9.36
Industry PE
15.36
Forward P/E
6.96
PEG Ratio
-
Book Value
₹823.00
Price to Book
1.70
P/S
1.17
EV/EBITDA
30.20
Dividend Yield
0.09%

Growth (CAGR)

Revenue 5Y
28.05%
Profit 5Y
23.69%
Revenue (YoY)
13.90%
Earnings (YoY)
39.30%

Profitability & Returns

ROCE
4.09%
ROE
15.80%
ROA
0.91%
Profit Margin
11.88%
Op Margin
38.78%
Gross Margin
75.67%
EPS (Latest Qtr)
₹36.59
EPS (TTM)
₹142.11

Balance Sheet & Liquidity

Debt/Equity
6.23
Quick Ratio
2.22
Current Ratio
0.85
Debt
₹2.11 L Cr
Total Assets
₹2.68 L Cr
Current Assets
₹74,793.96 Cr
Working Capital
₹-13,333.02 Cr

Ownership

Promoter Holding
46.93%
Chg in Prom Hold
-0.12%
FII / Inst Holding
33.17%
Chg in FII Hold
-1.29%

Financial Snapshot

Enterprise Value
₹24,966.89 Cr
Total Revenue (TTM)
₹22,460.92 Cr
EBITDA
₹7,710.92 Cr
Free Cash Flow
₹-30,392.98 Cr
Operating Cash Flow
₹-30,032.77 Cr
Shares Outstanding
₹18.78 Cr
Gross Margin
75.67%
Payout Ratio
0.91%

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 CHOLAHLDNG Cholamandalam Financial Holdings Limited NIFTY_SMALLNSEFINANCIAL 1,329.60 9.36 ₹24,966.89 Cr 0.09% 4.09% 15.80% 28.05% 23.69%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
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 5,186.00 Cr5,626.00 Cr6,317.00 Cr6,795.00 Cr7,066.00 Cr7,633.00 Cr8,090.00 Cr-9,519.73 Cr9,499.88 Cr10,127.60 Cr10,460.71 Cr10,840.51 Cr
Cost of Revenue --------6,295.81 Cr6,295.26 Cr6,688.83 Cr6,855.53 Cr6,822.79 Cr
Gross Profit --------3,223.92 Cr3,204.62 Cr3,438.77 Cr3,605.18 Cr4,017.72 Cr
Operating Expenses 2,244.00 Cr2,588.00 Cr2,898.00 Cr2,978.00 Cr2,932.00 Cr3,253.00 Cr3,537.00 Cr-1,459.77 Cr1,729.64 Cr1,910.96 Cr2,031.63 Cr2,031.51 Cr
Operating Income --------1,764.15 Cr1,474.98 Cr1,527.81 Cr1,573.55 Cr1,986.21 Cr
EBITDA --------1,843.42 Cr1,553.58 Cr1,610.36 Cr1,660.73 Cr2,070.45 Cr
Interest Expense 1,743.00 Cr2,013.00 Cr2,209.00 Cr2,445.00 Cr2,582.00 Cr2,796.00 Cr3,058.00 Cr------
Pretax Income 1,246.00 Cr1,062.00 Cr1,213.00 Cr1,363.00 Cr1,574.00 Cr1,559.00 Cr1,513.00 Cr-1,862.37 Cr1,696.10 Cr1,631.76 Cr1,863.20 Cr2,142.12 Cr
Tax Provision 348.88 Cr265.50 Cr327.51 Cr340.75 Cr424.98 Cr405.34 Cr393.38 Cr-500.19 Cr436.56 Cr417.49 Cr477.38 Cr516.57 Cr
Net Income 901.00 Cr792.00 Cr888.00 Cr1,027.00 Cr1,144.00 Cr1,160.00 Cr1,125.00 Cr-613.57 Cr578.50 Cr549.92 Cr625.73 Cr687.14 Cr
Diluted EPS 21.7219.7822.4124.8827.3229.2027.99-32.6830.8129.2833.3236.59

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 9,696.00 Cr8,004.00 Cr2,688.00 Cr8,909.00 Cr10,926.00 Cr13,135.00 Cr13,900.00 Cr-19,381.34 Cr27,275.59 Cr34,836.98 Cr40,693.05 Cr
Cost of Revenue --------12,221.57 Cr19,121.60 Cr23,993.67 Cr27,724.69 Cr
Gross Profit --------7,159.77 Cr8,153.99 Cr10,843.31 Cr12,968.36 Cr
Operating Expenses 6,542.00 Cr7,029.00 Cr2,377.00 Cr4,490.00 Cr5,147.00 Cr6,588.00 Cr6,807.00 Cr-3,651.63 Cr3,379.15 Cr4,992.31 Cr6,426.38 Cr
Operating Income --------3,508.14 Cr4,774.84 Cr5,851.00 Cr6,541.98 Cr
EBITDA --------4,017.60 Cr5,474.21 Cr6,740.17 Cr7,710.92 Cr
Interest Expense 2,103.00 Cr976.00 Cr02,655.00 Cr3,587.00 Cr4,592.00 Cr4,608.00 Cr20.73 Cr17.14 Cr26.84 Cr44.88 Cr52.43 Cr
Pretax Income 1,003.00 Cr1,374.00 Cr295.00 Cr1,695.00 Cr2,135.00 Cr1,806.00 Cr2,400.00 Cr-3,824.40 Cr5,199.83 Cr6,399.56 Cr7,325.92 Cr
Tax Provision 320.96 Cr370.98 Cr88.50 Cr576.30 Cr725.90 Cr650.16 Cr648.00 Cr-1,006.09 Cr1,361.35 Cr1,665.58 Cr1,848.00 Cr
Net Income 684.00 Cr1,181.00 Cr538.00 Cr1,127.00 Cr1,415.00 Cr1,165.00 Cr1,764.00 Cr-1,290.23 Cr1,772.52 Cr2,173.66 Cr2,441.29 Cr
Diluted EPS 22.6855.4724.2629.3237.1229.3443.9354.4968.7294.39115.76130.01

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 30,338.00 Cr9,665.00 Cr7,892.00 Cr53,407.00 Cr67,937.00 Cr75,855.00 Cr88,616.00 Cr-1.31 L Cr1.77 L Cr2.25 L Cr2.68 L Cr
Current Assets --------33,579.18 Cr43,985.25 Cr59,199.26 Cr74,793.96 Cr
Cash & Equivalents --------1,055.44 Cr973.22 Cr5,385.91 Cr8,475.01 Cr
Inventory ------------
Receivables --------99.13 Cr214.17 Cr204.19 Cr327.05 Cr
Total Liabilities --------1.06 L Cr1.55 L Cr1.98 L Cr2.34 L Cr
Current Liabilities --------38,539.00 Cr53,032.86 Cr63,734.99 Cr88,126.98 Cr
Long Term Debt --------62,865.88 Cr86,519.17 Cr1.17 L Cr1.33 L Cr
Total Debt --------97,191.03 Cr1.34 L Cr1.74 L Cr2.10 L Cr
Total Equity 2,327.00 Cr3,324.00 Cr2,764.00 Cr3,310.00 Cr3,944.00 Cr4,591.00 Cr5,386.00 Cr-16,049.04 Cr10,241.73 Cr12,515.28 Cr15,454.15 Cr
Shares Outstanding --------18.78 Cr18.78 Cr18.78 Cr18.78 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,685.00 Cr-500.00 Cr594.00 Cr-6,302.00 Cr-9,274.00 Cr-1,914.00 Cr-9,719.00 Cr--29,328.73 Cr-35,726.42 Cr-34,201.30 Cr-30,032.77 Cr
Investing Cash Flow -461.00 Cr193.00 Cr-1,263.00 Cr-1,825.00 Cr-94.00 Cr-96.00 Cr-62.00 Cr-295.18 Cr-2,624.99 Cr-1,037.72 Cr-2,528.40 Cr
Financing Cash Flow 1,704.00 Cr748.00 Cr-69.00 Cr8,287.00 Cr12,171.00 Cr2,427.00 Cr7,688.00 Cr-27,287.57 Cr38,269.19 Cr39,651.71 Cr35,650.27 Cr
Capital Expenditure -137.00 Cr-174.00 Cr-26.00 Cr-89.00 Cr-93.00 Cr-97.00 Cr-62.00 Cr--260.76 Cr-1,168.71 Cr-341.48 Cr-360.21 Cr
Free Cash Flow -1,822.00 Cr-674.00 Cr568.00 Cr-6,391.00 Cr-9,367.00 Cr-2,011.00 Cr-9,781.00 Cr--29,589.49 Cr-36,895.13 Cr-34,542.78 Cr-30,392.98 Cr
Net Change in Cash -443.00 Cr441.00 Cr-738.00 Cr160.00 Cr2,803.00 Cr417.00 Cr-2,093.00 Cr--1,745.98 Cr-82.22 Cr4,412.69 Cr3,089.10 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------36.9%29.9%31.1%31.9%
Operating Margin % --------18.1%17.5%16.8%16.1%
Net Margin % 7.1%14.8%20.0%12.7%13.0%8.9%12.7%-6.7%6.5%6.2%6.0%
ROE % 29.4%35.5%19.5%34.0%35.9%25.4%32.8%-8.0%17.3%17.4%15.8%
ROCE % --------3.8%3.9%3.6%3.6%

Shareholding Pattern

Insiders
46.93%
Institutions
33.17%
Public Float
62.49%

Analyst View

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Latest News

Recent headlines for CHOLAHLDNG

Google News Wed, 23 Sep 2026

NSE set for trading debut as India’s biggest stock exchange, modest gains seen - TradingView

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxPZjh1S3p2VTdDWERnUF84bjZiSzhTMTZfZjNQSzR0QlctX25ELVFpOFZpcExPQjlndE9DTU9FWDN4Qi1uZHQwRjhKZUJVTkZETlJadERBQlVHREZOZGxPeHZtNng1dkUtNlVtN2ZMQjlINDhoR3VpS1Y3MnN0TUNnUzBTLTNwWHlNUzNQWG…

Google News Mon, 05 Oct 2026

Cholamandalam Financial Holdings (CHOLAHLDNG) Share Price rises 2.16% today - Univest

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Google News Fri, 11 Sep 2026

Here's Why We Think Cholamandalam Financial Holdings (NSE:CHOLAHLDNG) Might Deserve Your Attention Today - Simply Wall Street

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Google News Wed, 09 Sep 2026

Cholamandalam Financial Holdings Holds Steady at ₹1,530.6 as Stock Trades Near Mid-Band Levels - Triple MA Cross - https://www.siam.in/

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Google News Wed, 21 Oct 2026

Cholamandalam Financial Holdings Share Price Today: Near Low - Univest

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Google News Sat, 01 Apr 2023

Cholamandalam Financial Holdings Limited (CHOLAHLDNG.NS) stock price, news, quote and history - Yahoo Finance Singapore

<a href="https://news.google.com/rss/articles/CBMiXkFVX3lxTE5MRkw1UnBXbmU0RTZmUjJZczVMRHpVa1d5Rjkwb1RRWjZoUmtTWFpsalN1WHNnN2tkaW9ZTUhDT2p6TGk3eEN5bFNZU1lMVTJyQzh1aGhVTEkyYjNraEE?oc=5" target="_blank">Cholamandalam Financial Holdings Limited…

CHOLAHLDNG — Frequently Asked Questions

What is the current share price of Cholamandalam Financial Holdings Limited (CHOLAHLDNG)?

As of 2026-10-23 04:58 IST, Cholamandalam Financial Holdings Limited (CHOLAHLDNG) trades at ₹1,329.60 on NSE. Its 52-week range is ₹1,329.60 to ₹2,017.91.

What is the market capitalisation of CHOLAHLDNG?

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) has a market capitalisation of ₹24,966.89 Cr on NSE.

What is the P/E ratio of CHOLAHLDNG?

CHOLAHLDNG trades at a trailing price-to-earnings (P/E) ratio of 9.36. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.70.

Does CHOLAHLDNG pay a dividend?

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) currently offers a dividend yield of 0.09%.

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

CHOLAHLDNG has a return on equity (ROE) of 15.80%. Its return on capital employed (ROCE) is 4.09%.

Is CHOLAHLDNG a good stock to buy?

This page provides a data-driven analysis of Cholamandalam Financial Holdings Limited (CHOLAHLDNG), 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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