statements

Cholamandalam Investment and Finance Company Ltd.

NSE: CHOLAFIN

BSE: 511243

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

1,862.90-26.0 (-1.38%)

21 Aug, 12:00 AM

Overview Analysis Statements

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Income Statement

Abridged

Understanding Income Statement

Cholamandalam Investment and Finance Company Ltd. income statement covering revenue, operating profit, EBITDA, PAT and EPS across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	R 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
	C 2012 Mar 31	R 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31	TTM Jun 30
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR
Total Revenue	1,779	2,570	3,279	3,715	4,214	4,693	5,559	7,088	8,712	9,579	10,141	12,884	19,161	25,849	31,076	32,663
Cost of Operating Revenue	986	1,410	1,769	1,958	2,048	2,228	2,657	3,588	4,580	4,566	4,289	5,736	9,207	12,453	14,334	14,923
Total Operating Expenses	1,527	2,102	2,636	2,936	3,327	3,531	3,850	4,966	6,214	6,204	6,435	8,628	13,471	17,874	20,557	21,902
Operating Profit	252	468	643	779	886	1,163	1,709	2,122	2,498	3,376	3,706	4,256	5,690	7,975	10,519	10,760
Operating Margin	14.2	18.2	19.6	21.0	21.0	24.8	30.7	29.9	28.7	35.2	36.5	33.0	29.7	30.9	33.8	32.9
Financing Income/(Expense) - Net	-15	-6	-3	0	0	0	0	0	-11	-9	-9	-12	-23	-41	-50	-
Profit before Taxes	289	452	554	666	879	1,107	1,401	1,832	1,588	2,048	2,908	3,615	4,605	5,741	6,973	7,664
Income Taxes	120	144	186	222	305	390	483	635	406	527	749	938	1,195	1,481	1,744	1,917
Profit after Tax	169	308	368	444	575	719	919	1,198	1,054	1,521	2,154	2,665	3,420	4,263	5,233	5,751
PAT Margin	9.5	12.0	11.2	12.0	13.6	15.3	16.5	16.9	12.1	15.9	21.2	20.7	17.8	16.5	16.8	17.6
EPS - Basic - ex Extraordinary Items	2.82	4.60	5.15	6.14	7.58	9.21	11.76	15.33	15.02	18.55	26.24	32.42	41.17	50.72	61.98	67.83
EPS - Diluted - ex Extraordinary Items	2.82	4.59	5.14	6.07	7.58	9.21	11.75	15.31	15.00	18.52	26.19	32.38	41.06	50.60	61.83	67.59
EBIT	252	468	643	779	886	1,163	1,709	2,122	2,498	3,376	3,706	4,256	5,690	7,975	10,519	10,760
EBITDA	263	490	668	809	908	1,202	1,760	2,179	2,610	3,478	3,806	4,377	5,889	8,220	10,803	11,052
EBITDA Margin	14.8	19.1	20.4	21.8	21.5	25.6	31.7	30.7	30.0	36.3	37.5	34.0	30.7	31.8	34.8	33.8

Balance Sheet

Abridged

Understanding Balance Sheet

Cholamandalam Investment and Finance Company Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	R 2012 Mar 31	2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Property Plant & Equipment - Net	51	66	69	65	106	120	141	145	262	208	265	410	1,539	1,758	1,867
Total Assets	13,497	18,228	21,544	23,868	27,889	35,053	44,167	57,490	64,058	74,644	82,479	1,13,627	1,56,686	2,01,887	2,45,448
Deposits - Total	1	0	10	8	11	-	-	-	-	-	-	-	-	-	-
Long Term Debt	7,155	8,299	9,833	12,425	10,931	23,866	31,219	40,977	38,559	39,793	44,233	63,146	87,260	1,18,306	1,34,011
Total Liabilities	12,093	16,276	19,257	20,694	24,216	30,741	39,041	51,281	55,859	65,044	70,710	99,281	1,37,093	1,78,218	2,14,990
Total Shareholders' Equity	1,404	1,953	2,287	3,174	3,670	4,310	5,125	6,209	8,200	9,600	11,769	14,346	19,593	23,669	30,458
Minority Interest	-	-	-	-	4	2	0	-	-	-	-	-	-	-	-
Total Equity	1,404	1,953	2,287	3,174	3,673	4,312	5,126	6,209	8,200	9,600	11,769	14,346	19,593	23,669	30,458
Total Liabilities & Equity	13,497	18,228	21,544	23,868	27,889	35,053	44,167	57,490	64,058	74,644	82,479	1,13,627	1,56,686	2,01,887	2,45,448
Total Current Assets	4,626	6,067	7,285	7,456	8,765	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	4,866	7,841	9,090	7,906	12,710	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

Cholamandalam Investment and Finance Company Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	C 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	C 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
	C 2012 Mar 31	C 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	C 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31
Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	393	536	727	770	959	1,261	1,263	2,481	6,226	2,809	3,236	4,096	5,178	9,137	14,525
Working Capital - Increase/(Decrease)	-3,918	-4,290	-3,173	-3,034	-3,768	-2,728	-9,189	-11,798	-8,301	-11,651	-8,808	-31,201	-40,861	-41,550	-44,546
Net CF from Operating Activities	-3,525	-3,754	-2,447	-2,264	-2,809	-1,468	-7,926	-9,317	-2,075	-8,842	-5,571	-27,105	-35,683	-32,413	-30,021
Capital Expenditures - Net	31	36	26	30	76	57	68	62	70	31	94	188	1,071	187	242
Net CF from Investing Activities	6	4	-83	-40	-140	-222	-60	-11	-54	-1,572	1,640	-2,148	-2,855	-2,948	-2,554
Dividends Paid - Cash - Total	42	54	59	63	67	103	122	122	200	107	164	164	167	168	170
Stock - Issuance/(Retirement) - Net	209	296	2	507	3	3	2	2	1,196	9	23	24	2,009	48	1,468
Debt - LT & ST - Issuance/(Retirement) - Total	3,435	3,824	2,807	1,375	3,095	1,793	8,064	12,200	4,398	8,798	5,291	27,607	36,629	39,916	34,311
Net Cash Flow from Financing Activities	3,602	4,067	2,749	1,819	3,031	1,692	8,009	12,191	2,452	8,516	5,150	27,466	38,471	39,795	35,610
Free Cash Flow to Equity	-121	35	333	-919	210	268	70	2,821	2,253	-76	-374	314	-125	7,316	4,049
Free Operating CF net dividend	-3,598	-3,844	-2,532	-2,358	-2,953	-1,629	-8,118	-9,505	-2,347	-8,981	-5,831	-27,459	-36,926	-32,781	-30,455
Free Operating CF	-3,557	-3,790	-2,474	-2,295	-2,886	-1,526	-7,995	-9,383	-2,146	-8,875	-5,667	-27,295	-36,759	-32,613	-30,286

Business Segment Analysis

FY End:

Mar 26

Cholamandalam Investment and Finance Company Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Vehicle finance (52.4%)₹ 16,511.03 CrLoan against property (19.0%)₹ 5,988.88 CrOther (15.3%)₹ 4,828.37 CrHome loans (10.3%)₹ 3,240.90 CrUnallocated (3.1%)₹ 969.55 Cr

Assets

Vehicle finance (48.7%)₹ 1,19,557.39 CrLoan against property (18.7%)₹ 45,808.08 CrOther (12.3%)₹ 30,171.06 CrUnallocated (11.2%)₹ 27,463.33 CrHome loans (9.1%)₹ 22,448.37 Cr

Regional Segment Analysis

FY End:

Mar 26

Cholamandalam Investment and Finance Company Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 31,075.75 Cr

Assets

India (100.0%)₹ 2,45,448.23 Cr

Historical Segment Analysis

Track how Cholamandalam Investment and Finance Company Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2010 Mar 31	2011 Mar 31	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31
	2010 Mar 31	2011 Mar 31	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31
Asset Management	0	-	-	-	-	-	-
Distribution	0	0	0	0	0	-	-
Eliminations	0	-	0	0	0	0	0
Financing	5	35	31	36	27	31	75
Other	0	-	-	-	-	-	-
Stock Broking	1	0	0	0	0	-	-
Others -Distribution, Stock Broking, Freight Data Solution	-	-	-	-	-	0	2

Frequently Asked Questions

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

The latest trailing twelve month revenue of Cholamandalam Investment and Finance Company Ltd. is ₹ 32,662.60 Cr, reflecting a 1-year growth of 19.64% and a 3-year CAGR of 32.02%. Annual and quarterly revenue trends are available in the Income Statement section.

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

The latest trailing twelve month net profit (PAT) of Cholamandalam Investment and Finance Company Ltd. is ₹ 5,751.00 Cr, with a 3-year earnings CAGR of 25.52%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

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

The trailing twelve month EBITDA of Cholamandalam Investment and Finance Company Ltd. is approximately ₹ 10,760.17 Cr (based on an operating margin of 32.94%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

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

The trailing twelve month Earnings Per Share (EPS) of Cholamandalam Investment and Finance Company Ltd. is 67.59. EPS trends across annual and quarterly periods are visible in the Income Statement section.

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

The debt-to-equity ratio of Cholamandalam Investment and Finance Company Ltd. stands at 6.95. The interest coverage ratio is 210.71x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Cholamandalam Investment and Finance Company Ltd.?

The estimated book value per share of Cholamandalam Investment and Finance Company Ltd. is 356.63 (derived from a P/B ratio of 5.22 and market price of ₹ 1,862.90), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Cholamandalam Investment and Finance Company Ltd.?

The trailing twelve month operating cash flow of Cholamandalam Investment and Finance Company Ltd. is ₹ -30,020.80 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Cholamandalam Investment and Finance Company Ltd. report consolidated or standalone financials?

Cholamandalam Investment and Finance Company Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.