Cholamandalam Financial Holdings Limited CHOLAHLDNG NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. 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.

Market & Price

Market Cap

₹29,706.39 Cr

Current Price

₹1,582.00

High / Low (52W)

₹2,164.51 / ₹1,350.90

Beta

0.43

Valuation

Stock P/E

12.17

Industry PE

19.12

Forward P/E

7.87

PEG Ratio

Book Value

₹822.93

Price to Book

1.92

P/S

1.41

EV/EBITDA

Dividend Yield

0.08%

Profitability & Returns

ROCE

2.77%

ROE

18.04%

ROA

2.22%

Profit Margin

11.55%

Op Margin

37.15%

EPS (Latest Qtr)

₹36.59

EPS (TTM)

₹130.04

Balance Sheet & Liquidity

Debt/Equity

6.21

Quick Ratio

63.59

Current Ratio

63.94

Debt

₹2.10 L Cr

Total Assets

₹2.68 L Cr

Current Assets

₹2.35 L Cr

Working Capital

₹2.13 L Cr

Ownership

Promoter Holding

46.89%

Chg in Prom Hold

FII / Inst Holding

31.74%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹2.42 L Cr

Total Revenue (TTM)

₹21,142.46 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-30,032.77 Cr

Shares Outstanding

₹18.78 Cr

Gross Margin

74.99%

Payout Ratio

1.00%

Growth (CAGR)

Revenue 5Y

28.22%

Profit 5Y

23.69%

Revenue (YoY)

15.20%

Earnings (YoY)

12.00%

PROS

Compounding revenue at 28.2% over 5 years.
Profit CAGR of 23.7% over 5 years.

CONS

Trading 26.9% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

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	CHOLAHLDNG Cholamandalam Financial Holdings Limited NIFTY_SMALLNSEFINANCIAL	1,582.00	12.17	₹29,706.39 Cr	0.08%	2.77%	18.04%	28.22%	23.69%
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	Sep 2025	Dec 2025	Mar 2026
Revenue	-	9,519.73 Cr	9,499.88 Cr	10,127.60 Cr	10,460.71 Cr	10,840.51 Cr
Cost of Revenue	-	6,295.81 Cr	6,295.26 Cr	6,688.83 Cr	6,855.53 Cr	6,822.79 Cr
Gross Profit	-	3,223.92 Cr	3,204.62 Cr	3,438.77 Cr	3,605.18 Cr	4,017.72 Cr
Operating Expenses	-	1,459.77 Cr	1,729.64 Cr	1,910.96 Cr	2,031.63 Cr	2,031.51 Cr
Operating Income	-	1,764.15 Cr	1,474.98 Cr	1,527.81 Cr	1,573.55 Cr	1,986.21 Cr
EBITDA	-	1,843.42 Cr	1,553.58 Cr	1,610.36 Cr	1,660.73 Cr	2,070.45 Cr
Interest Expense	-	-	-	-	-	-
Pretax Income	-	1,862.37 Cr	1,696.10 Cr	1,631.76 Cr	1,863.20 Cr	2,142.12 Cr
Tax Provision	-	500.19 Cr	436.56 Cr	417.49 Cr	477.38 Cr	516.57 Cr
Net Income	-	613.57 Cr	578.50 Cr	549.92 Cr	625.73 Cr	687.14 Cr
Diluted EPS	-	32.68	30.81	29.28	33.32	36.59

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	19,381.34 Cr	27,275.59 Cr	34,861.56 Cr	40,852.31 Cr
Cost of Revenue	-	12,221.57 Cr	19,121.60 Cr	22,801.84 Cr	26,662.41 Cr
Gross Profit	-	7,159.77 Cr	8,153.99 Cr	12,059.72 Cr	14,189.90 Cr
Operating Expenses	-	3,651.63 Cr	3,379.15 Cr	5,994.75 Cr	7,367.03 Cr
Operating Income	-	3,508.14 Cr	4,774.84 Cr	6,064.97 Cr	6,822.87 Cr
EBITDA	-	4,017.60 Cr	5,474.21 Cr	6,360.70 Cr	7,155.44 Cr
Interest Expense	20.73 Cr	17.14 Cr	26.84 Cr	44.88 Cr	-
Pretax Income	-	3,824.40 Cr	5,199.83 Cr	6,405.46 Cr	7,333.18 Cr
Tax Provision	-	1,006.09 Cr	1,361.35 Cr	1,665.58 Cr	1,848.00 Cr
Net Income	-	1,290.23 Cr	1,772.52 Cr	2,173.66 Cr	2,441.29 Cr
Diluted EPS	54.49	68.72	94.39	115.76	-

Compounded Sales Growth

5 Years:	28.22%
1 Year:	15.20%

Compounded Profit Growth

5 Years:	23.69%
1 Year:	12.00%

Stock Price Performance

1 Year:	-17.97%
6 Months:	-13.38%
3 Months:	-5.88%
1 Month:	+2.16%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	1.31 L Cr	1.77 L Cr	2.25 L Cr	2.68 L Cr
Current Assets	-	33,579.18 Cr	43,985.25 Cr	59,199.26 Cr	2.35 L Cr
Cash & Equivalents	-	1,055.44 Cr	973.22 Cr	5,385.91 Cr	8,475.01 Cr
Inventory	-	-	-	-	-
Receivables	-	99.13 Cr	214.17 Cr	204.19 Cr	327.05 Cr
Total Liabilities	-	1.06 L Cr	1.55 L Cr	1.98 L Cr	2.34 L Cr
Current Liabilities	-	38,539.00 Cr	53,032.86 Cr	63,734.99 Cr	22,439.15 Cr
Long Term Debt	-	62,865.88 Cr	86,519.17 Cr	1.17 L Cr	2.10 L Cr
Total Debt	-	97,191.03 Cr	1.34 L Cr	1.74 L Cr	2.10 L Cr
Total Equity	-	16,049.04 Cr	10,241.73 Cr	12,515.28 Cr	15,454.15 Cr
Shares Outstanding	-	18.78 Cr	18.78 Cr	18.78 Cr	18.78 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-29,328.73 Cr	-35,726.42 Cr	-34,201.30 Cr	-30,032.77 Cr
Investing Cash Flow	-	295.18 Cr	-2,624.99 Cr	-1,037.72 Cr	-2,528.40 Cr
Financing Cash Flow	-	27,287.57 Cr	38,269.19 Cr	39,651.71 Cr	35,650.27 Cr
Capital Expenditure	-	-260.76 Cr	-1,168.71 Cr	-341.48 Cr	-360.21 Cr
Free Cash Flow	-	-29,589.49 Cr	-36,895.13 Cr	-34,542.78 Cr	-30,392.98 Cr
Net Change in Cash	-	-1,745.98 Cr	-82.22 Cr	4,412.69 Cr	3,089.10 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	36.9%	29.9%	34.6%	34.7%
Operating Margin %	-	18.1%	17.5%	17.4%	16.7%
Net Margin %	-	6.7%	6.5%	6.2%	6.0%
ROE %	-	8.0%	17.3%	17.4%	15.8%
ROCE %	-	3.8%	3.9%	3.8%	2.8%

Shareholding Pattern

Insiders

46.89%

Institutions

31.74%

Public Float

59.76%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Vanguard International Stock Index-Emerging Markets Stk	0.72%	13.58 L	₹214.78 Cr
2	Vanguard International Stock Index-Total Intl Stock Indx	0.68%	12.74 L	₹201.58 Cr
3	iShares Core MSCI Emerging Markets ETF	0.51%	9.60 L	₹151.92 Cr
4	DFA Emerging Markets Core Equity Portfolio	0.30%	5.64 L	₹89.22 Cr
5	DFA Investment Dimensions-DFA Emerging Mkts Value	0.23%	4.24 L	₹67.02 Cr
6	DFA Emerging Markets Small Cap Series	0.21%	3.98 L	₹62.97 Cr
7	Vanguard Intl Equity Index Fds-FTSE All World ex U.S.Small Cap Index	0.18%	3.47 L	₹54.87 Cr
8	iShares MSCI India Small Cap ETF	0.07%	1.25 L	₹19.78 Cr
9	College Retirement Equities Fund-Stock Account	0.06%	1.12 L	₹17.71 Cr
10	WisdomTree Tr-WisdomTree India Earnings Fd	0.06%	1.15 L	₹18.21 Cr

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CHOLAHLDNG · Financial Services