5nance5nance
5nance5nance
HomeScreens
LOGINGET FREE ACCOUNT

Cholamandalam Investment and Finance Company Ltd.

•
cholamandalam.comBSE: 511243NSE: CHOLAFIN
Market Cap₹ 1,56,209 Cr.
Current Price
High / Low₹ 1,952 / 1,299
Stock P/E27.2
Book Value₹ 375
Price to Book3.83
Dividend Yield0.11 %
ROCE9.7 %
ROE19.5 %
Face Value₹ 2

Add ratio to table

ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Vehicle finance: 52.6% • Loan Against Property: 19.3% • Others: 15.0%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 28.0% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 19.2%
  • Solid return on assets for a lender - ROA of 2.3%
  • Company has consistently been profitable over the last 5 years
  • Latest quarter profit grew 45.6% YoY, showing strong momentum
  • Company has delivered good sales growth of 26.5% CAGR over last 5 years

CONS

  • Net NPA is elevated at 2.9% - provisioning cushion is thin
  • Asset quality is weak - gross NPA at 4.4%
  • Company has a low return on capital employed of 10.2%
  • Free cash flow has been persistently negative
  • Thin net interest margin of 0.0%
  • Operating margins have contracted to 68.1% from 73.6%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY100 EQL WGTNIFTY NEXT 50NIFTY FIN SERVICENIFTY 500NIFTY 100
S.No.Name
1.BAJFINANCE1040.0031.89647499.250.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1029.3521.40242204.361.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1829.0027.16156208.670.111656.2245.568856.2921.899.7070.07
4.TATACAP362.9528.51154067.520.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN231.0073.81152532.570.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11093.2513.94123460.671.762708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2820.009.95113214.111.062824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.8026.60109173.430.001223.8543.8512179.54137.848.8241.91
9.LTF310.2024.4377747.060.89915.9930.705212.9222.388.5462.13
10.SBICARD670.0028.0263760.090.37664.4419.515040.557.6011.7529.83
11.HDBFS674.9025.7756068.330.59785.2038.314937.9018.719.0957.98
12.SUNDARMFIN4724.3023.6552488.800.85636.1933.882644.1323.379.3580.61
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
4,0904,6125,0045,4095,8126,2536,7327,0457,2667,4907,8978,4158,856
1,1701,3871,4111,4171,7271,8972,0382,0102,2862,4602,5542,5976,735
Operating Profit2,9303,2353,5963,9934,0854,3584,6955,0364,9805,0315,3445,8206,206
OPM %71.63%70.14%71.86%73.82%70.29%69.70%69.74%71.48%68.55%67.17%67.68%69.16%70.07%
Other Income7173478944671049186122110147100
Interest2,0062,2042,4412,5792,7963,0593,2753,3653,4683,5173,6463,7534,007
Depreciation39394675596359646771747275
9561,0651,1561,4281,2751,3041,4651,6981,5311,5651,7352,1422,224
Tax %25.36%27.12%24.59%26.54%25.73%25.85%25.77%25.85%25.74%25.97%25.69%23.25%25.51%
Net Profit00009479681,0881,2601,1381,1601,2901,6451,656
99101311121315141415192

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
4,6935,5597,0888,7129,57910,14112,88419,14025,84631,07332,658
1,5531,4531,6352,4232,9142,9273,6225,3887,6739,89814,346
Operating Profit3,1404,1055,4536,2896,6657,2149,26213,75218,17321,17518,312
OPM %66.90%73.86%76.94%72.19%69.58%71.14%71.89%71.85%70.31%68.15%56.07%
23432426192222282308466480
Interest2,2282,6573,5884,5924,5764,2985,7489,23112,49514,38414,923
Depreciation395157111102101121198245284292
Profit before Tax1,1071,4011,8321,5882,0482,9083,6154,6055,7416,9737,665
Tax %35.17%34.49%34.65%33.63%25.71%25.75%25.95%25.94%25.80%25.01%25.01%
Net Profit7189181,1971,0541,5212,1592,6773,4114,2605,2295,748
EPS46.0358.6615.3013.3718.5226.1932.3840.7250.6961.41—
Dividend Payout %11.95%11.05%8.48%13.22%10.78%7.63%6.17%4.91%3.95%3.26%—

COMPOUNDED SALES GROWTH

10 Years:
22%
5 Years:
27%
3 Years:
34%

COMPOUNDED PROFIT GROWTH

10 Years:
25%
5 Years:
28%
3 Years:
25%

STOCK PRICE CAGR

10 Years:
24%
5 Years:
27%
3 Years:
16%
1 Year:
22%

RETURN ON EQUITY

10 Years:
19%
5 Years:
20%
3 Years:
20%
Last Year:
20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jul 21

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2026

Feb 5

₹ 0.65

2025

Jul 24

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2025

Feb 7

₹ 0.65

Rs.1.3000 per share(65%)Interim Dividend

2024

Jul 19

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2024

Feb 7

₹ 0.65

Rs.1.3000 per share(65%)Interim Dividend

2023

Jul 25

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2023

Feb 10

₹ 0.65

Rs.1.3000 per share(65%)Interim Dividend

2022

Jul 21

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2022

Feb 10

₹ 0.65

Rs.1.3000 per share(65%)Interim Dividend

2021

Jul 22

₹ 0.35

Rs.0.7000 per share(35%)Final Dividend

2021

Feb 9

₹ 0.65

Rs.1.3000 per share(65%)Interim Dividend

2020

Mar 4

Interim Dividend

2018

Jul 18

₹ 0.20

Rs.2.0000 per share(20%)Final Dividend

2018

Feb 9

₹ 0.45

Rs.4.5000 per share(45%)Interim Dividend

2017

Jul 19

₹ 0.20

Rs.2.0000 per share(20%)Final Dividend

2017

Feb 6

₹ 0.35

Rs.3.5000 per share(35%)Interim Dividend

2016

Jul 21

₹ 0.20

Rs.2.0000 per share(20%)Final Dividend

2016

Feb 9

₹ 0.25

Rs.2.5000 per share(25%)Interim Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital156156156164164164164168168170
Minority Interest2000000000
4,1414,9596,0348,0069,40111,55014,09819,28523,28529,972
24,19238,33750,57555,01563,73969,18097,3621,34,9961,75,7982,11,713
Trade Payables29921423122099128172296236212
1,493135331264737821,2191,2861,4502,220
Total Liabilities30,28343,80157,03063,53173,87581,8041,13,0151,56,0312,00,9382,44,288
1501701672832272584031,5631,7801,869
Capital Work in Progress0000023360428
1822342331,5832,0553,5624,0366,3676,646
0000000213205327
Cash & Bank4949523,7087,0015,2804,3023,0072,2437,12411,747
29,45742,65653,11356,21466,78475,1651,06,0081,47,9751,85,4592,23,672
Total Assets30,28343,80157,03063,53173,87581,8041,13,0151,56,0312,00,9382,44,288

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
900-4,813-4,9732,999-3,960-868-21,185-27,382-21,097-16,607
Cash from Investing-222-60-11-54-1,7461,640-2,148-2,855-2,948-2,554
Cash from Financing1,6928,00912,1912,4528,7075,15027,46638,47139,79535,610
2222,862323-1,8881,218-1,787-664,4343,035

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
50.3350.2449.9349.9249.9049.8849.7249.2549.22
26.6227.1627.4228.2327.9626.8526.5624.8724.46
16.8616.5816.1015.4916.0517.2717.5419.9120.60
Government0.000.000.000.000.000.000.000.000.00
6.196.016.546.366.086.006.175.965.72

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-01
Allotment of Securities

2026-09-01 - Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 2000 securities pursuant to Non Convertible Securities at its meeting held on September 01, 2026

2026-08-26
Updates

2026-08-26 - Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding the 'NOC received under Reg.31A(8) of SEBI Listing Regulations from stock exchanges.

2026-08-21
Allotment of Securities

2026-08-21 - Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 35000 securities pursuant to Non Convertible Securities at its meeting held on August 21, 2026

2026-08-21
Suspension of Trading

2026-08-21 - Members of the Exchange are hereby informed that the trading in Non-Convertible Debentures of Cholamandalam Investment and Finance Company Limited shall be suspended w.e.f. August 25, 2026 (ISIN No. INE121A07RF6 & INE121A07RD1) on account of Maturity.

2026-08-13
Allotment of Securities

2026-08-13 - Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding allotment of 43050 securities pursuant to ESOP/ESPS on August 12, 2026

2026-08-04
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-04 - Cholamandalam Investment and Finance Company Limited has informed the Exchange about Transcript

2026-07-29
Shareholders meeting

2026-07-29 - Cholamandalam Investment and Finance Company Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 28, 2026. Further, the company has informed the Exchange regarding voting results.

2026-07-28
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-28 - Cholamandalam Investment and Finance Company Limited has informed the Exchange about Link of Recording

2026-07-28
Shareholders meeting

2026-07-28 - Cholamandalam Investment and Finance Company Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 28, 2026

News

Recent coverage and analyst commentary for CHOLAFIN

Loading news…

🤖

AI Stock Analyst

Cholamandalam Investment and Finance Company Ltd.

🔒

Sign in to Chat with AI

Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.

✨ Sign In to Chat

Free 5nance Account

5nance5nance

Stock analysis and screening tool

5nanceAI © 2020-2026

Made with ❤️ in India.

Data provided by Accord Fintech

Terms & Privacy.

Product

PremiumWhat's new?Learn

Team

About usSupport

Theme

5nance5nance

Product

PremiumWhat's new?Learn

Team

About usSupport

Theme

5nanceAI © 2020-2026

Data provided by Accord Fintech

Made with ❤️ in India.

HomeScreens
Login