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Cholamandalam Financial Holdings Limited CHOLAHLDNG NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://cholafhl.com
Company Profile ↓
₹1,599.30
-24.38% 1Y
Mkt Cap₹30,031.25 Cr
P/E13.82
P/B2.00
Div. Yield0.08%
52W High₹2,138.93
52W Low₹1,350.90
Book Value₹823.00
EPS (TTM)₹115.76

Company Overview

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.

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 28.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 13.8, below the sector median of 19.8.

Healthy Margins

Operating margin of 16.7% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹40,852.31 Cr (+17.2% YoY); net profit ₹2,441.29 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +17.2%, earnings +12.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 28.2%, profit CAGR 23.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:28.22%
1 Year:17.18%

Compounded Profit Growth

5 Years:23.69%
1 Year:12.31%

Stock Price Performance

1 Year:-24.38%
6 Months:-12.17%
3 Months:+1.07%
1 Month:+2.02%

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

Technical Snapshot Bearish
52-Week Range 32% of range
₹1,350.90 ₹2,138.93
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)44.99 · Neutral
Price Performance
1M+2.02%
3M+1.07%
6M-12.17%
1Y-24.38%
Valuation vs Sector

P/E of 13.82 is below the sector median of 19.81 — 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 28.2% over 5 years.
  • Profit CAGR of 23.7% over 5 years.

CONS

  • Trading 25.2% 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
13.82
Industry PE
19.81
Forward P/E
7.96
PEG Ratio
-
Book Value
₹823.00
Price to Book
2.00
P/S
1.46
EV/EBITDA
32.55
Dividend Yield
0.08%

Growth (CAGR)

Revenue 5Y
28.22%
Profit 5Y
23.69%
Revenue (YoY)
17.18%
Earnings (YoY)
12.31%

Profitability & Returns

ROCE
2.77%
ROE
15.80%
ROA
0.91%
Profit Margin
5.98%
Op Margin
16.70%
Gross Margin
34.73%
EPS (Latest Qtr)
₹36.59
EPS (TTM)
₹115.76

Balance Sheet & Liquidity

Debt/Equity
13.61
Quick Ratio
63.59
Current Ratio
10.48
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
46.87%
Chg in Prom Hold
0.49%
FII / Inst Holding
31.50%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
₹30,031.25 Cr
Total Revenue (TTM)
₹40,852.31 Cr
EBITDA
₹7,155.44 Cr
Free Cash Flow
₹-30,392.98 Cr
Operating Cash Flow
₹-30,032.77 Cr
Shares Outstanding
₹18.78 Cr
Gross Margin
34.73%
Payout Ratio
1.00%

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 1,599.30 13.82 ₹30,031.25 Cr 0.08% 2.77% 15.80% 28.22% 23.69%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 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 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 Cr34,861.56 Cr40,852.31 Cr
Cost of Revenue --------12,221.57 Cr19,121.60 Cr22,801.84 Cr26,662.41 Cr
Gross Profit --------7,159.77 Cr8,153.99 Cr12,059.72 Cr14,189.90 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 Cr5,994.75 Cr7,367.03 Cr
Operating Income --------3,508.14 Cr4,774.84 Cr6,064.97 Cr6,822.87 Cr
EBITDA --------4,017.60 Cr5,474.21 Cr6,360.70 Cr7,155.44 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 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 Cr6,405.46 Cr7,333.18 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 22.6855.4724.2629.3237.1229.3443.9354.4968.7294.39115.76-

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 Cr2.35 L 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 Cr22,439.15 Cr
Long Term Debt --------62,865.88 Cr86,519.17 Cr1.17 L Cr2.10 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%34.6%34.7%
Operating Margin % --------18.1%17.5%17.4%16.7%
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%3.8%2.8%

Shareholding Pattern

Insiders
46.87%
Institutions
31.50%
Public Float
59.30%

Top Institutional Holders

#Holder% HeldSharesValue
1 Vanguard International Stock Index-Emerging Markets Stk 0.72% 13.58 L ₹223.77 Cr
2 Vanguard International Stock Index-Total Intl Stock Indx 0.68% 12.74 L ₹210.02 Cr
3 iShares Core MSCI Emerging Markets ETF 0.51% 9.60 L ₹158.28 Cr
4 DFA Emerging Markets Core Equity Portfolio 0.30% 5.64 L ₹92.96 Cr
5 DFA Investment Dimensions-DFA Emerging Mkts Value 0.23% 4.24 L ₹69.82 Cr
6 DFA Emerging Markets Small Cap Series 0.21% 3.98 L ₹65.60 Cr
7 Vanguard Intl Equity Index Fds-FTSE All World ex U.S.Small Cap Index 0.18% 3.47 L ₹57.17 Cr
8 iShares MSCI India Small Cap ETF 0.07% 1.25 L ₹20.61 Cr
9 College Retirement Equities Fund-Stock Account 0.06% 1.12 L ₹18.45 Cr
10 WisdomTree Tr-WisdomTree India Earnings Fd 0.06% 1.15 L ₹18.97 Cr

Analyst View

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Latest News

Recent headlines for CHOLAHLDNG

Google News Mon, 10 Nov 2025

It's A Story Of Risk Vs Reward With Cholamandalam Financial Holdings Limited (NSE:CHOLAHLDNG) - simplywall.st

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Google News Sat, 03 Jan 2026

Cholamandalam Financial Holdings Ltd. Share Price Live Today - CNBC TV18

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Google News hu, 09 Jul 2026

Cholamandalam Financial Holdings (CHOLAHLDNG) Q4 25/26 earnings summary - Quartr

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Google News hu, 11 Apr 2019

CHOLAHLDNG Stock Price and Chart — NSE:CHOLAHLDNG - TradingView

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Google News hu, 09 Jul 2026

Cholamandalam Financial Holdings (CHOLAHLDNG) Q4 24/25 earnings summary - Quartr

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CHOLAHLDNG — Frequently Asked Questions

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

As of 2026-07-15 09:52 IST, Cholamandalam Financial Holdings Limited (CHOLAHLDNG) trades at ₹1,599.30 on NSE. Its 52-week range is ₹1,350.90 to ₹2,138.93.

What is the market capitalisation of CHOLAHLDNG?

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) has a market capitalisation of ₹30,031.25 Cr on NSE.

What is the P/E ratio of CHOLAHLDNG?

CHOLAHLDNG trades at a trailing price-to-earnings (P/E) ratio of 13.82. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.00.

Does CHOLAHLDNG pay a dividend?

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) currently offers a dividend yield of 0.08%.

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 2.77%.

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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