CHOLAHLDNG

Cholamandalam Financial Holdings Ltd.

NSE: CHOLAHLDNG

BSE: 504973

Sector: Financial Services

Industry Group: Finance

Industry: Investment Company

1,561.80-12.4 (-0.79%)

21 Aug, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

27.0 / 100

Value Score

95.4 / 100

Price Momentum Score

38.1 / 100

QVM Score

53.6 / 100

Key Metrics

Market Cap

29327.00

P/E (TTM)

10.99

P/B

1.90

P/S (TTM)

0.72

EV/EBITDA

8.12

CAPE (5Y)

15.70

ROE (TTM)

17.46

ROCE (TTM)

12.05

ROA (TTM)

0.99

Avg 3Y ROE

18.79

Earnings 3Y CAGR

24.15

Sales 3Y CAGR

27.27

Sales 5Y CAGR

23.46

Debt/Equity

13.66

Consensus TP

2230.00

Strong Buy %

33.33

Promoter Holding

46.43

Pledged %

0.02

Stock Analysis

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

Views

Red Flags

Positive

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 21.08% for 12-month ended 30 Jun 2026 and the growth was 5.71 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 5 financial years

What is Dividend streak?

Negative

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -2.61% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Low dividend yield

The company has a low dividend yield of 0.08%

What is Dividend yield?

Neutral

Looks cheap but is at a premium to industry median P/B

PB of 1.9 indicates that the stock is cheap on a standalone basis but is at a 128.92% premium to industry median P/B

What is P/B Ratio?

Median: 0.83

Value 1.9

0.1113.62

High ROE but declining trend

The company reported strong ROE of 17.46% for 12-month ended 30 Jun 2026 but ROE declined by -163 bps from 1 year ago

What is ROE (FY)?

High operating margin but declining trend

The company reported strong operating margin of 68.21% for 12-month ended 30 Jun 2026 but operating margin declined by -598 bps from 1 year ago

What is Operating profit margin?

Moderate revenue growth and in line with median growth of industry

The company delivered moderate revenue growth of 17.54% for 12-month ended 30 Jun 2026 and the growth was 0.94 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 16.6

Value 17.54

-92.316766.15

High, but decreasing Debt to Equity

The company has high Debt to Equity of 13.66 as on 30 Jun 2026 but Debt to Equity decreased by 0.32 in the last 1 year

What is Debt to Equity?

Financial Snapshot

See detailed analysis

Multi-year trends for Cholamandalam Financial Holdings 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 Financial Holdings Ltd. Shareholding Pattern

Quarterly breakdown of Cholamandalam Financial Holdings 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	Jun 2026
Total Promoter	48.80	48.80	48.80	48.80	48.80	48.80	48.62	48.62	48.62	48.62	48.61	48.61	48.40	48.40	47.37	47.37	47.37	47.32	47.32	46.45	46.45	46.44	46.42	46.38	46.38	46.43
Indian Promoter	48.79	48.79	48.79	48.79	48.79	48.79	48.61	48.61	48.34	48.34	48.34	48.33	48.12	48.12	47.10	47.10	47.10	47.05	47.05	46.44	46.44	46.43	46.41	46.37	46.37	46.43
Foreign Promoter	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Institutions	35.99	37.38	37.56	37.52	37.79	38.37	37.31	37.46	37.30	37.46	38.76	38.62	39.02	38.92	40.09	39.29	39.49	39.69	39.73	39.76	39.93	40.21	40.37	40.48	40.36	40.35
Mutual Funds / UTI	22.81	24.75	24.90	25.10	24.86	24.98	24.85	24.29	25.04	25.14	25.32	25.71	25.70	25.72	24.81	23.74	23.55	23.75	21.21	21.26	20.26	19.36	20.28	21.06	23.62	24.22
FI/Bank/Insurance	2.04	2.04	2.03	2.03	2.03	2.03	0.47	0.47	0.47	0.47	1.04	0.60	0.58	0.92	1.27	1.59	1.24	1.25	1.34	1.17	1.01	1.03	1.17	1.27	1.26	1.23
Govt	-	-	-	-	-	-	-	-	-	-	-	0.46	0.46	0.46	0.46	0.46	0.46	0.46	0.45	0.46	0.46	0.46	0.46	0.46	0.46	0.46
FII	10.30	9.79	9.91	9.76	10.78	11.12	11.35	12.14	11.66	11.82	11.76	11.60	11.99	11.31	12.79	12.87	13.65	13.73	16.28	16.24	17.68	18.32	17.39	16.47	13.81	13.00
Other Institutions	0.84	0.79	0.72	0.63	0.11	0.23	0.63	0.56	0.13	0.03	0.64	0.26	0.28	0.51	0.76	0.63	0.58	0.51	0.46	0.63	0.53	1.04	1.07	1.22	1.21	1.44
Non-Institution	15.22	13.82	13.64	13.68	13.42	12.83	14.07	13.92	14.09	13.93	12.62	12.77	12.59	12.68	12.53	13.33	13.14	12.98	12.94	13.79	13.61	13.35	13.21	13.14	13.26	13.22
Bodies Corporate	2.80	1.77	1.64	1.64	1.63	1.53	1.48	1.46	1.50	1.53	1.90	1.92	1.91	1.93	1.98	2.00	2.19	2.18	2.10	2.11	2.02	1.97	1.96	1.97	2.00	2.02
Others (incl. Retail) No. of shareholders	12.42 19,666	12.05 21,140	12.00 20,898	12.04 20,359	11.79 20,234	11.30 20,936	12.59 20,935	12.46 20,791	12.59 20,837	12.40 21,736	10.72 20,527	10.85 20,859	10.68 21,246	10.75 22,581	10.55 29,979	11.33 42,406	10.95 31,657	10.80 32,089	10.84 37,527	11.68 47,777	11.59 45,408	11.38 49,730	11.25 46,995	11.17 43,280	11.26 46,852	11.20 43,259

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty Smallcap 50	1.96%	27 / 49
2	Nifty Smallcap 250	0.72%	32 / 249
3	Nifty 500	0.08%	222 / 499
4	Nifty Total Market	0.07%	239 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Cholamandalam Financial Holdings Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Saraswathi Trust Promoter Group	August-2021	Market Sale (Disposal) 31st Aug 2021	0.28 %	₹ 675.63	23.00 k	₹ 1.55 cr
Lalitha Vellayan Promoter Group	August-2021	Market Sale (Disposal) 30th Aug 2021	0.16 %	₹ 650.00	3.07 lac	₹ 19.97 cr
Lakshmi Venkatachalam Promoter Group	April-2021	Off Market (Disposal) 5th Apr 2021	0.22 %	₹ 599.20	4.04 lac	₹ 24.20 cr
M M Venkatachalam Family Trust Promoter Group	April-2021	Off Market (Acquisition) 5th Apr 2021	0.00 %	₹ 599.20	4.04 lac	₹ 24.20 cr

Corporate Actions

History of Cholamandalam Financial Holdings Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 1.30/share
Record date: 7th Aug 2026Ex-date: 7th Aug 2026
Announced on: 8th May 2026
Dividend₹ 1.30/share
Record date: 1st Aug 2025Ex-date: 1st Aug 2025
Announced on: 9th May 2025
Dividend₹ 0.55/share
Record date: 2nd Aug 2024Ex-date: 2nd Aug 2024
Announced on: 10th May 2024
Dividend₹ 0.55/share
Record date: 3rd Aug 2023Ex-date: 3rd Aug 2023
Announced on: 12th May 2023
Dividend₹ 0.55/share
Record date: 3rd Aug 2022Ex-date: 2nd Aug 2022
Announced on: 11th May 2022

Company Profile

Overview of Cholamandalam Financial Holdings Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Cholamandalam Financial Holdings Limited is a core investment company and all the activities of the Company revolve around the main business in India. The Company holds investments in financial services/risk management companies, which include Cholamandalam Investment and Finance Company Limited (CI...

Key personnel

Mr. Shyam Shankar

Chief Financial Officer, Manager

Ms. Elanjezhian Krithika

Compliance Officer, Company Secretary

Mr. Sridharan RangarajanD

Non-Executive Director

Mr. Vellayan SubbiahD

Non-Executive Director

Mr. K. BalasubramanianD

Non-Executive Independent Director

Mr. B. RamaratnamD

Non-Executive Independent Director

Mrs. Vasudha SundararamanD

Non-Executive Independent Director

Incorporated on

09 Sep 1949

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

53,503

IPO date

17 May 1994

Free Float

9,75,21,443

Website

https://www.cholafhl.com/

Phone no.

+914442177770

Address

Dare House, No. 234 N.S.C Bose Road, CHENNAI, 600001, India

Frequently Asked Questions

What is the current share price of Cholamandalam Financial Holdings Ltd.?

The current share price of Cholamandalam Financial Holdings Ltd. is ₹ 1,561.80 as of 21 Aug 2026.

What is the market capitalisation of Cholamandalam Financial Holdings Ltd.?

The market capitalisation of Cholamandalam Financial Holdings Ltd. stands at ₹ 29,327.00 Cr.

What is the PE ratio of Cholamandalam Financial Holdings Ltd.?

The Price-to-Earnings (PE) ratio of Cholamandalam Financial Holdings Ltd. is 10.99 as of the latest trailing twelve months data.

What is the ROE and ROCE of Cholamandalam Financial Holdings Ltd.?

Cholamandalam Financial Holdings Ltd. has a Return on Equity (ROE) of 17.46% and a Return on Capital Employed (ROCE) of 12.05% as per the latest financial reports.

What is the 52-week high and low of Cholamandalam Financial Holdings Ltd.?

The 52-week high of Cholamandalam Financial Holdings Ltd. is - and the 52-week low is -.

What is the dividend yield of Cholamandalam Financial Holdings Ltd.?

The dividend yield of Cholamandalam Financial Holdings Ltd. is 0.08% based on the current market price.

What is the FII and DII holding in Cholamandalam Financial Holdings Ltd.?

Foreign Institutional Investors (FII) hold 13.00%, Domestic Institutional Investors (DII) hold 25.45% and retail/public investors hold 11.20% of Cholamandalam Financial Holdings Ltd. shares.

What sector does Cholamandalam Financial Holdings Ltd. belong to?

Cholamandalam Financial Holdings Ltd. operates in the Financial Services sector. 66.67% of analysts have a Buy or Strong Buy rating on Cholamandalam Financial Holdings Ltd. with a consensus target price of ₹ 2,230.00, implying 42.78% upside from current levels.

What is the beta of Cholamandalam Financial Holdings Ltd.?

The beta of Cholamandalam Financial Holdings Ltd. is 1.28, indicating its price volatility relative to the broader market. Over the past 1 year, Cholamandalam Financial Holdings Ltd. has delivered an absolute return of -16.62%.

What is the RSI of Cholamandalam Financial Holdings Ltd.?

The 14-day Relative Strength Index (RSI) of Cholamandalam Financial Holdings Ltd. is 46.32, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

Cholamandalam Financial Holdings Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Cholamandalam Financial Holdings Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Corporate Actions

Company Profile