5nance5nance
5nance5nance
HomeScreens
LOGINGET FREE ACCOUNT

Cholamandalam Financial Holdings Ltd.

•
cholafhl.comBSE: 504973NSE: CHOLAHLDNG
Market Cap₹ 28,650 Cr.
Current Price
High / Low₹ 2,064 / 1,305
Stock P/E394.2
Book Value₹ 75
Price to Book18.32
Dividend Yield0.09 %
ROCE6.2 %
ROE5.1 %
Face Value₹ 1

Add ratio to table

ABOUT

KEY POINTS

Revenue Breakup Mar 2016 • Cycles/ Components: 39.0% • Engineering: 37.1% • Metal Formed Products: 24.0%

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 26.5% CAGR over last 5 years
  • Solid return on assets for a lender - ROA of 5.1%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Latest quarter profit grew 107.6% YoY, showing strong momentum
  • Company has been maintaining a healthy dividend payout of 34.7%

CONS

  • Recent results are weak - TTM profit is down 94.8% versus prior year
  • Company has a low return on capital employed of 6.3%
  • Company has a low return on equity of 5.0% over last 3 years
  • Stock is trading at 18.3x its book value
  • Expensive relative to growth - PEG of 58.3
  • Growth is decelerating - 3Y profit CAGR (6.8%) trails the 5Y trend (26.5%)

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

Peer comparison

Financial ServicesFinanceFinance - Investment
Part ofNIFTY TOTAL MKTNIFTY SMLCAP 50NIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJAJFINSV1917.3030.28307163.220.0862966.701081.55420369.001091.2611.8840.79
2.AIIL546.6522.1346422.910.0011082.201075.1914695.401109.3713.8588.91
3.CHOLAHLDNG1525.7510.7428650.150.091788.9942.0411113.5742.9210.5257.53
4.TVSHLTD13000.0513.3526301.840.661173.5873.7717076.1840.0119.3916.25
5.CGCL266.1022.7125602.920.08353.38102.041576.4762.1211.6868.54
6.MAHSCOOTER13002.5553.3514860.051.693.32-90.615.41-81.521.0684.10
7.JSWHL11435.9592.4012693.480.0024.54-92.7434.5814.970.5892.45
8.JMFINANCIL124.7511.4811938.082.61368.57-19.661200.539.6911.9158.30
9.TSFINV437.2519.959711.492.55124.95-92.11305.57102.233.4753.35
10.RELIGARE256.95161.258857.930.00-46.98-674.862353.401051.764.71-2.08
11.KAMAHOLD2282.957.877326.121.82584.0210.804657.567.0720.8622.01
12.PILANIINVS4196.35140.834646.300.21-47.26-17.5514.44-70.701.41-9.33
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
0270490270491281504
1111111111121
Operating Profit2282502282503293514
OPM %2155.56%107.12%616.67%102.04%2337.50%106.61%500.00%102.06%246.96%106.24%246.22%101.98%80.73%
Other Income0000000000000
Interest1111000000000
Depreciation0000000000000
1281492282503293514
Tax %25.24%15.73%25.38%25.16%25.27%17.15%17.47%24.85%25.44%7.27%8.90%24.34%-24.79%
Net Profit1231371242382273384
0102010201020

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
4065749158848486869083
43323333444
Operating Profit3661718855818183838679
OPM %90.57%95.00%96.45%97.27%95.57%96.87%96.59%96.10%95.82%95.70%95.30%
00000000000
Interest0001221074000
Depreciation00000000000
Profit before Tax3661718734717479838687
Tax %0.00%3.34%6.18%4.14%35.96%21.53%21.65%21.88%22.01%18.03%16.05%
Net Profit3659678322565862647073
EPS1.943.163.554.441.162.963.083.293.433.75—
Dividend Payout %64.58%39.46%35.27%14.64%47.55%18.60%17.85%16.74%37.91%34.67%—

COMPOUNDED SALES GROWTH

10 Years:
-11%
5 Years:
9%
3 Years:
2%

COMPOUNDED PROFIT GROWTH

10 Years:
-20%
5 Years:
27%
3 Years:
7%

STOCK PRICE CAGR

10 Years:
10%
5 Years:
18%
3 Years:
11%
1 Year:
-19%

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

Aug 7

₹ 1.30

Rs.1.3000 per share(130%)Final Dividend

2025

Aug 1

₹ 1.30

Rs.1.3000 per share(130%)Final Dividend

2024

Aug 2

₹ 0.55

Rs.0.5500 per share(55%)Final Dividend

2023

Aug 3

₹ 0.55

Rs.0.5500 per share(55%)Final Dividend

2022

Aug 2

₹ 0.55

Rs.0.5500 per share(55%)Dividend

2021

Jul 27

₹ 0.55

Rs.0.5500 per share(55%)Final Dividend

2020

Mar 5

Interim Dividend

2019

Feb 14

₹ 0.60

Rs.0.6000 per share(60%)Interim Dividend

2018

Jul 23

₹ 0.65

Rs.0.6500 per share(65%)Final Dividend

2018

Feb 15

₹ 0.60

Rs.0.6000 per share(60%)Interim Dividend

2017

Feb 17

24/02/2017 Equity Rs.1.2500 per share(62.5%)Interim Dividend

2016

Jul 20

₹ 1.75

Rs.3.5000 per share(175%)Final Dividend

2016

Feb 15

₹ 0.75

Rs.1.5000 per share(75%)Interim Dividend

2016

May 3

₹ 1.75

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital19191919191919191919
9501,0011,0451,1001,1221,1681,2181,2691,3331,381
00020115010050000
Trade Payables0001111000
22321221244
Total Liabilities9711,0221,0681,3221,3031,2901,2881,2891,3551,404
9149409561,2781,2791,2801,2801,2791,2911,293
Cash & Bank282112432310896578
550000011032
Total Assets9711,0221,0681,3221,3031,2901,2881,2891,3551,404

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-1968-35-16584837669319
Cash from Investing000-00-00-0-00
Cash from Financing-106-11-21170-50-60-59-61-10-24
-12555-5592-2-66-8-0

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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
47.3247.3246.4546.4546.4446.4246.3846.3846.43
13.6016.1516.2417.5418.1917.2616.3413.6812.87
25.5123.0122.9321.8021.4322.5223.5526.0926.89
0.460.450.460.460.460.460.460.460.46
12.9812.9413.7913.6113.3513.2113.1413.2613.22

Documents

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

2026-08-20
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-20 - Cholamandalam Financial Holdings Limited has informed the Exchange about Transcript

2026-08-17
Shareholders meeting

2026-08-17 - Cholamandalam Financial Holdings Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 14, 2026. Further, the company has informed the Exchange regarding voting results.

2026-08-15
Shareholders meeting

2026-08-15 - Cholamandalam Financial Holdings Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 14, 2026

2026-08-14
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-14 - Cholamandalam Financial Holdings Limited has informed the Exchange about Link of Recording

2026-08-14
Press Release

2026-08-14 - Cholamandalam Financial Holdings Limited has informed the Exchange regarding a press release dated August 14, 2026, titled "Un-audited financial results for the quarter ended June 30, 2026.".

2026-08-14
Investor Presentation

2026-08-14 - Cholamandalam Financial Holdings Limited has informed the Exchange about Investor Presentation

2026-08-14
Outcome of Board Meeting

2026-08-14 - Cholamandalam Financial Holdings Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-07-31
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-31 - Cholamandalam Financial Holdings Limited has informed the Exchange about Schedule of meet

2026-07-22
Updates

2026-07-22 - Cholamandalam Financial Holdings Limited has informed the Exchange regarding Business Responsibility and Sustainability Report for FY 2025-2026

News

Recent coverage and analyst commentary for CHOLAHLDNG

Loading news…

🤖

AI Stock Analyst

Cholamandalam Financial Holdings 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