Cholamandalam Financial Holdings Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Financing: 78.6% • Insurance: 21.1% • Others: 0.2%
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Company has delivered good profit growth of 25.4% CAGR over last 5 years
- Company has a good return on equity (ROE) track record: 3 Years ROE 41.6%
- Solid return on assets for a lender - ROA of 5.1%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has consistently been profitable over the last 5 years
- Latest quarter profit grew 42.0% YoY, showing strong momentum
CONS
- Company has a low return on capital employed of 11.2%
- Free cash flow has been persistently negative
- Though reporting repeated profits, the company pays out little dividend (1.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 62966.70 | 1081.55 | 420369.00 | 1091.26 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| PILANIINVS | 4196.35 | 140.83 | 4646.30 | 0.21 | -47.26 | -17.55 | 14.44 | -70.70 | 1.41 | -9.33 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4,445 | 5,033 | 5,446 | 5,781 | 6,314 | 6,677 | 6,989 | 7,357 | 7,776 | 7,791 | 8,265 | 8,668 | 11,114 | |
| 2,585 | 2,895 | 2,978 | 2,932 | 3,253 | 3,537 | 3,772 | 3,709 | 4,142 | 4,359 | 4,487 | 4,541 | 8,816 | |
| Operating Profit | 3,041 | 3,422 | 3,816 | 4,134 | 4,380 | 4,553 | 4,718 | 5,204 | 5,154 | 5,102 | 5,462 | 5,825 | 6,394 |
| OPM % | 68.41% | 68.00% | 70.07% | 71.51% | 69.36% | 68.20% | 67.50% | 70.73% | 66.28% | 65.49% | 66.08% | 67.20% | 57.53% |
| Other Income | 89 | 55 | 47 | 92 | 45 | 90 | 104 | 96 | 87 | 128 | 135 | 153 | 101 |
| Interest | 2,013 | 2,209 | 2,445 | 2,582 | 2,796 | 3,058 | 3,280 | 3,361 | 3,468 | 3,518 | 3,648 | 3,755 | 4,007 |
| Depreciation | 52 | 52 | 55 | 88 | 70 | 74 | 72 | 79 | 79 | 83 | 87 | 84 | 87 |
| 1,065 | 1,216 | 1,363 | 1,556 | 1,559 | 1,512 | 1,469 | 1,860 | 1,695 | 1,630 | 1,862 | 2,140 | 2,400 | |
| Tax % | 25.36% | 26.70% | 24.68% | 27.65% | 25.64% | 25.63% | 25.75% | 26.89% | 25.76% | 25.62% | 25.64% | 24.14% | 25.46% |
| Net Profit | 0 | 0 | 0 | 0 | 1,160 | 1,125 | 1,093 | 1,362 | 1,260 | 1,214 | 1,386 | 1,626 | 1,789 |
| 20 | 22 | 25 | 27 | 29 | 28 | 26 | 33 | 31 | 29 | 33 | 37 | 4 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2,688 | 8,909 | 10,926 | 13,185 | 13,904 | 14,644 | 18,146 | 25,804 | 33,125 | 39,073 | 35,837 | |
| 2,377 | 4,491 | 5,148 | 6,639 | 6,811 | 7,301 | 8,612 | 11,412 | 14,330 | 17,529 | 22,203 | |
| Operating Profit | 311 | 4,418 | 5,778 | 6,547 | 7,093 | 7,342 | 9,534 | 14,392 | 18,796 | 21,543 | 13,634 |
| OPM % | 11.57% | 49.59% | 52.88% | 49.65% | 51.01% | 50.14% | 52.54% | 55.77% | 56.74% | 55.14% | 38.04% |
| 1 | 2 | 22 | 1 | 61 | 183 | 244 | 305 | 394 | 503 | 517 | |
| Interest | 0 | 2,655 | 3,587 | 4,592 | 4,608 | 4,328 | 5,778 | 9,249 | 12,494 | 14,388 | 14,928 |
| Depreciation | 17 | 70 | 78 | 150 | 145 | 154 | 176 | 248 | 296 | 333 | 341 |
| Profit before Tax | 295 | 1,695 | 2,135 | 1,806 | 2,400 | 3,044 | 3,824 | 5,200 | 6,400 | 7,326 | 8,031 |
| Tax % | 30.34% | 33.56% | 33.78% | 35.55% | 26.51% | 26.33% | 26.31% | 26.18% | 26.03% | 25.23% | 25.18% |
| Net Profit | 205 | 1,126 | 1,414 | 1,164 | 1,764 | 2,242 | 2,818 | 3,838 | 4,734 | 5,478 | 6,009 |
| EPS | 24.24 | 29.00 | 37.12 | 29.34 | 43.93 | 54.49 | 68.72 | 94.38 | 115.74 | 129.99 | — |
| Dividend Payout % | 5.16% | 4.26% | 3.37% | 2.21% | 1.25% | 1.01% | 0.80% | 0.58% | 1.12% | 1.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 26%
- 5 Years:
- 23%
- 3 Years:
- 29%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 9%
- 5 Years:
- 24%
- 3 Years:
- 24%
STOCK PRICE CAGR
- 10 Years:
- 10%
- 5 Years:
- 18%
- 3 Years:
- 11%
- 1 Year:
- -19%
RETURN ON EQUITY
- 10 Years:
- 35%
- 5 Years:
- 41%
- 3 Years:
- 42%
- Last Year:
- 40%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
| Minority Interest | 438 | 3,279 | 3,921 | 5,111 | 5,973 | 7,183 | 8,597 | 11,882 | 14,434 | 18,426 |
| 2,745 | 3,280 | 3,906 | 4,542 | 5,334 | 6,374 | 7,560 | 10,154 | 12,394 | 15,289 | |
| 2,076 | 40,740 | 53,479 | 58,738 | 67,889 | 73,810 | 1,02,997 | 1,49,037 | 1,90,881 | 2,23,597 | |
| Trade Payables | 223 | 1,030 | 856 | 703 | 1,233 | 1,496 | 2,049 | 499 | 666 | 339 |
| 2,322 | 4,619 | 5,148 | 6,055 | 7,195 | 8,021 | 8,914 | 4,502 | 5,293 | 9,449 | |
| Total Liabilities | 7,823 | 52,968 | 67,329 | 75,168 | 87,642 | 96,902 | 1,30,136 | 1,76,093 | 2,23,687 | 2,67,120 |
| 73 | 282 | 277 | 450 | 418 | 436 | 594 | 1,755 | 2,000 | 2,180 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 26 | 36 | 0 | 4 | 28 |
| 6,565 | 6,211 | 7,552 | 8,893 | 11,678 | 13,282 | 17,536 | 20,058 | 24,271 | 24,968 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 214 | 204 | 327 | |
| Cash & Bank | 397 | 1,209 | 3,945 | 7,314 | 6,204 | 5,448 | 3,164 | 2,398 | 7,299 | 11,992 |
| 788 | 45,266 | 55,554 | 58,510 | 69,343 | 77,711 | 1,08,807 | 1,51,669 | 1,89,910 | 2,27,625 | |
| Total Assets | 7,823 | 52,968 | 67,329 | 75,168 | 87,642 | 96,902 | 1,30,136 | 1,76,093 | 2,23,687 | 2,67,120 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 717 | -3,079 | -5,242 | 2,690 | -5,257 | -1,585 | -24,119 | -28,373 | -23,932 | -17,811 | |
| Cash from Investing | -653 | -1,825 | -93 | -96 | -62 | -135 | 295 | -2,625 | -1,038 | -2,528 |
| Cash from Financing | -69 | 8,287 | 12,171 | 2,427 | 7,688 | 7,073 | 27,288 | 38,269 | 39,652 | 35,650 |
| -128 | 160 | 2,803 | 417 | -2,093 | 1,199 | -1,746 | -82 | 4,413 | 3,089 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-20 - Cholamandalam Financial Holdings Limited has informed the Exchange about Transcript
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 - Cholamandalam Financial Holdings Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 14, 2026
2026-08-14 - Cholamandalam Financial Holdings Limited has informed the Exchange about Link of Recording
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 - Cholamandalam Financial Holdings Limited has informed the Exchange about Investor Presentation
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 - Cholamandalam Financial Holdings Limited has informed the Exchange about Schedule of meet
2026-07-22 - Cholamandalam Financial Holdings Limited has informed the Exchange regarding Business Responsibility and Sustainability Report for FY 2025-2026
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