CHOLAFIN

Cholamandalam Investment and Finance Company Ltd.

NSE: CHOLAFIN

BSE: 511243

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

1,804.40+15.9 (+0.89%)

3 Jul, 9:59 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

30.8 / 100

Value Score

42.1 / 100

Price Momentum Score

77.1 / 100

QVM Score

46.6 / 100

Key Metrics

Market Cap

1,52,485 Cr

P/E (TTM)

29.14

P/B

5.01

P/S (TTM)

4.91

EV/EBITDA

33.69

CAPE (5Y)

42.17

ROE (TTM)

19.33

ROCE (TTM)

4.56

ROA (TTM)

2.34

Avg 3Y ROE

19.73

Earnings 3Y CAGR

24.06

Sales 3Y CAGR

34.10

Sales 5Y CAGR

26.53

Debt/Equity

6.93

Consensus TP

1850.00

Strong Buy %

41.18

Promoter Holding

49.25

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Cholamandalam Investment and Finance Company Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Strong price momentum

Price Momentum score of 77.1 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

77.1 / 100

High and stable ROE

The company reported strong ROE of 19.33% for 12-month ended 31 Mar 2026 and ROE declined marginally by -37 bps from 1 year ago

What is ROE (FY)?

High and improving operating margin

The company reported strong operating margin of 32.32% for 12-month ended 31 Mar 2026 and operating margin improved by 163 bps from 1 year ago

What is Operating profit margin?

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 20.21% for 12-month ended 31 Mar 2026 and the growth was 9.16 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 11.05

Value 20.21

-519.5340214.8

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 22.19% for 12-month ended 31 Mar 2026 and the growth was 21.91 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Consistently pays dividend

The company has not missed dividend payments once in the last 10 financial years

What is Dividend streak?

Negative

Expensive and at a premium to industry median P/B

PB of 5.01 indicates that the stock is expensive on a standalone basis and is at a 343.36% premium to industry median P/B

What is P/B Ratio?

Median: 1.13

Value 5.01

057.95

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -0.15% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Not enough data

Low dividend yield

The company has a low dividend yield of 0.11%

What is Dividend yield?

Neutral

High, but decreasing Debt to Equity

The company has high Debt to Equity of 6.93 as on 31 Mar 2026 but Debt to Equity decreased by 0.47 in the last 1 year

What is Debt to Equity?

Financial Snapshot

See detailed analysis

Multi-year trends for Cholamandalam Investment and Finance Company Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Cholamandalam Investment and Finance Company Ltd. Shareholding Pattern

Quarterly breakdown of Cholamandalam Investment and Finance Company Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	51.65	51.65	51.64	51.64	51.62	51.61	51.57	51.55	51.55	51.52	51.50	51.49	51.47	51.46	51.43	50.37	50.35	50.33	50.24	49.93	49.92	49.90	49.88	49.72	49.25
Indian Promoter	51.65	51.65	51.64	51.64	51.62	51.60	51.57	51.55	51.40	51.37	51.36	51.34	51.33	51.31	51.28	50.23	50.21	50.18	50.09	49.93	49.92	49.90	49.88	49.72	49.25
Foreign Promoter	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	-	-	-	-	-	-
Institutions	39.24	39.68	40.46	40.54	40.92	40.68	40.42	40.44	40.61	40.37	40.61	40.62	41.10	41.28	41.55	43.11	43.04	43.48	43.76	43.53	43.72	44.02	44.12	44.10	44.78
Mutual Funds / UTI	23.23	23.13	24.64	22.98	20.28	17.93	18.21	18.31	19.54	19.20	18.47	17.12	17.29	16.45	16.67	15.02	14.09	14.23	14.25	13.37	12.46	12.51	13.32	12.84	14.98
FI/Bank/Insurance	0.03	0.02	0.00	0.03	0.00	0.02	0.09	0.07	0.00	0.00	2.18	2.51	2.42	2.14	1.72	1.74	1.58	1.32	1.26	1.42	1.48	1.45	1.52	1.62	1.54
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	12.21	11.90	11.32	13.17	16.49	18.85	17.88	17.65	17.61	17.96	18.69	19.38	19.63	20.92	21.51	24.73	26.00	26.63	27.17	27.43	28.23	27.96	26.85	26.56	24.87
Other Institutions	3.77	8.47	8.27	4.35	4.16	3.88	7.72	4.41	3.47	5.47	1.27	1.61	1.74	1.78	1.65	1.63	1.38	1.31	1.07	1.31	1.55	2.09	2.43	3.08	3.39
Non-Institution	9.11	8.67	7.90	7.82	7.46	7.72	8.01	8.00	7.84	8.11	7.89	7.89	7.43	7.26	7.03	6.52	6.61	6.19	6.01	6.54	6.36	6.08	6.00	6.17	5.96
Bodies Corporate	1.51	0.79	0.61	0.69	0.71	0.76	0.94	-	-	1.02	1.00	0.98	0.85	0.84	0.87	0.74	0.76	0.60	0.60	0.67	0.62	0.56	0.52	0.60	0.58
Others (incl. Retail) No. of shareholders	7.60 67,356	7.88 97,441	7.29 86,362	7.13 83,223	6.75 84,990	6.96 1,01,482	7.07 1,05,682	8.00 1,13,708	7.84 1,19,440	7.09 1,23,279	6.89 1,28,501	6.91 1,27,793	6.58 1,18,856	6.42 1,37,855	6.16 1,44,271	5.78 1,38,114	5.85 1,52,598	5.59 1,40,620	5.41 1,44,465	5.87 1,73,753	5.74 1,75,886	5.52 1,81,329	5.48 1,62,693	5.57 1,67,616	5.38 1,58,089

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Non Banking Financial Company (NBFC)	9.08%	4 / 21
2	Nifty Next 50	2.7%	9 / 50
3	Nifty Financial Services	2.19%	12 / 20
4	Nifty 200 Momentum 30	2.11%	24 / 30
5	Nifty 500 Momentum 50	1.72%	24 / 50
6	Nifty 100 Equal Weight	0.98%	40 / 100
7	Nifty 100	0.49%	57 / 100
8	Nifty 500	0.34%	61 / 499
9	Nifty Total Market	0.33%	61 / 749
10	NIFTY Large Midcap 250	0.24%	145 / 250

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Cholamandalam Investment and Finance Company Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
R Chandrasekar Designated Person	September-2021	Market Sale (Disposal) 7th Sep 2021	0.01 %	₹ 583.93	56.00 k	₹ 3.27 cr
Valli Subbiah Benefit Trust Promoter Group	September-2021	Market Sale (Disposal) 6th Sep 2021	0.03 %	₹ 571.13	40.00 k	₹ 2.28 cr
Reji Abraham Designated Person	September-2021	Market Sale (Disposal) 6th Sep 2021	0.00 %	₹ 583.50	3.20 k	₹ 18.67 lac
Madhusudanan C P Designated Person	September-2021	Market Sale (Disposal) 6th Sep 2021	0.00 %	₹ 570.36	4.75 k	₹ 27.09 lac
Shankar Subramanian Designated Person	September-2021	Market Sale (Disposal) 1st Sep 2021	0.00 %	₹ 523.41	1.50 k	₹ 7.85 lac
Amandeep Singh Sandhu Designated Person	June-2021	Market Sale (Disposal) 22nd Jun 2021	0.00 %	₹ 529.51	7.50 k	₹ 39.71 lac
Jeetendra Singh Kshatriya Designated Person	June-2021	Market Sale (Disposal) 15th Jun 2021	0.00 %	₹ 568.50	8.98 k	₹ 51.05 lac
Prakash J Designated Person	June-2021	Market Sale (Disposal) 7th Jun 2021	0.00 %	₹ 566.00	1.50 k	₹ 8.49 lac
Prakash J Designated Person	June-2021	Market Sale (Disposal) 7th Jun 2021	0.00 %	₹ 571.00	500.00	₹ 2.85 lac
Nishim T D Designated Person	June-2021	Market Sale (Disposal) 7th Jun 2021	0.00 %	₹ 577.58	8.00 k	₹ 46.21 lac

…

Corporate Actions

History of Cholamandalam Investment and Finance Company Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.70/share
Record date: 21st Jul 2026Ex-date: 21st Jul 2026
Announced on: 30th Apr 2026
Dividend₹ 1.30/share
Record date: 5th Feb 2026Ex-date: 5th Feb 2026
Announced on: 30th Jan 2026
Dividend₹ 0.70/share
Record date: 24th Jul 2025Ex-date: 24th Jul 2025
Announced on: 25th Apr 2025
Dividend₹ 1.30/share
Record date: 7th Feb 2025Ex-date: 7th Feb 2025
Announced on: 31st Jan 2025
Dividend₹ 0.70/share
Record date: 19th Jul 2024Ex-date: 19th Jul 2024
Announced on: 30th Apr 2024

Company Profile

Overview of Cholamandalam Investment and Finance Company Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company (investment and credit company). It is engaged in the business of financing. Its segments include Vehicle Finance, Loan against property, Home Loans and Others Loans. The Vehicle Finance Loans segmen...

Key personnel

Mr. D. Arul Selvan

Chief Financial Officer

Mr. Jeeva Balakrishnan

Chief Human Resources Officer

Ms. Pangurayirath Ayirath Sujatha

Chief Compliance Officer, Company Secretary

Mr. Vellayan SubbiahD

Executive Chairman

Mr. Ravindra Kumar KunduD

Managing Director, Executive Director

Mr. M. A. M. ArunachalamD

Non-Executive Director

Mrs. Bhama KrishnamurthyD

Non-Executive Independent Director

Mr. Anand KumarD

Non-Executive Independent Director

View all

Incorporated on

17 Aug 1978

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

11 Jan 1995

Free Float

43,23,83,934

Website

https://www.cholamandalam.com/

Phone no.

+914425307172

Address

CHOLA CREST C54 & 55, SUPER B-4, THIRU VI KA INDUSTRIAL ESTATE, GUINDY, , 600032, India

Frequently Asked Questions

What is the current share price of Cholamandalam Investment and Finance Company Ltd.?

The current share price of Cholamandalam Investment and Finance Company Ltd. is ₹ 1,804.40 as of 3 Jul 2026.

What is the market capitalisation of Cholamandalam Investment and Finance Company Ltd.?

The market capitalisation of Cholamandalam Investment and Finance Company Ltd. stands at ₹ 1,52,485.00 Cr.

What is the PE ratio of Cholamandalam Investment and Finance Company Ltd.?

The Price-to-Earnings (PE) ratio of Cholamandalam Investment and Finance Company Ltd. is 29.14 as of the latest trailing twelve months data.

What is the ROE and ROCE of Cholamandalam Investment and Finance Company Ltd.?

Cholamandalam Investment and Finance Company Ltd. has a Return on Equity (ROE) of 19.33% and a Return on Capital Employed (ROCE) of 4.56% as per the latest financial reports.

What is the 52-week high and low of Cholamandalam Investment and Finance Company Ltd.?

The 52-week high of Cholamandalam Investment and Finance Company Ltd. is - and the 52-week low is -.

What is the dividend yield of Cholamandalam Investment and Finance Company Ltd.?

The dividend yield of Cholamandalam Investment and Finance Company Ltd. is 0.11% based on the current market price.

What is the FII and DII holding in Cholamandalam Investment and Finance Company Ltd.?

Foreign Institutional Investors (FII) hold 24.87%, Domestic Institutional Investors (DII) hold 16.52% and retail/public investors hold 5.38% of Cholamandalam Investment and Finance Company Ltd. shares.

What sector does Cholamandalam Investment and Finance Company Ltd. belong to?

Cholamandalam Investment and Finance Company Ltd. operates in the Financial Services sector. 73.53% of analysts have a Buy or Strong Buy rating on Cholamandalam Investment and Finance Company Ltd. with a consensus target price of ₹ 1,850.00, implying 3.44% upside from current levels.

What is the beta of Cholamandalam Investment and Finance Company Ltd.?

The beta of Cholamandalam Investment and Finance Company Ltd. is 1.57, indicating its price volatility relative to the broader market. Over the past 1 year, Cholamandalam Investment and Finance Company Ltd. has delivered an absolute return of 11.89%.

What is the RSI of Cholamandalam Investment and Finance Company Ltd.?

The 14-day Relative Strength Index (RSI) of Cholamandalam Investment and Finance Company Ltd. is 68.57, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Cholamandalam Investment and Finance Company Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Cholamandalam Investment and Finance Company Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Company Profile

Corporate Actions