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Cholamandalam Investment and Finance Company Ltd

CHOLAFIN

Cholamandalam Investment and Finance Company Ltd

CHOLAFIN
FinancialsConsumer Finance
LargecapWith a market cap of ₹1,06,967 cr, stock is ranked 84
Moderate RiskStock is 2.37x as volatile as Nifty
1,272.750.14% (-1.75)
1,272.750.14% (-1.75)

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FinancialsConsumer Finance
LargecapWith a market cap of ₹1,06,967 cr, stock is ranked 84
Moderate RiskStock is 2.37x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
LargecapWith a market cap of ₹1,06,967 cr, stock is ranked 84
Moderate RiskStock is 2.37x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
27.775.460.16%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.842.480.97%

Forecast & Ratings

Detailed Forecast 
78%
Analysts have suggested that investors can buy this stock

from 32 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Cholamandalam Investment and Finance Company Limited is a non-banking finance company that provides vehicle finance, home loans and corporate mortgage loans, small and medium enterprises (SME) loans, investment advisory services etc.

Investor Presentation

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Oct 25, 2024

PDF
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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 22.26%, vs industry avg of 15.2%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 5.69% to 8.27%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 23.34%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue4,215.954,696.845,559.287,108.838,712.639,639.7210,231.8113,105.5919,419.8722,750.42
Raw Materialssubtract17,327.36
Power & Fuel Costsubtract
Employee Costsubtract262.18414.09550.81604.68700.32791.01957.201,360.372,478.60
Selling & Administrative Expensessubtract431.11449.35395.27322.95236.09208.40387.31518.69661.55
Operating & Other expensessubtract2,621.482,686.953,161.534,292.686,076.756,490.115,879.077,490.8511,476.35
Depreciation/Amortizationsubtract21.7439.0250.8656.99111.25102.30100.63121.09198.06242.56
Interest & Other Itemssubtract
Taxes & Other Itemssubtract304.77388.01481.51633.47534.50527.04754.09949.741,185.251,328.30
EPS7.669.2011.7515.3113.1518.5426.2232.4141.1245.83
DPS0.901.101.301.301.702.002.002.002.002.00
Payout ratio0.120.120.110.080.130.110.080.060.050.04

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2021

Annual report

PDF

Investor Presentation

May 7PDF
FY 2022

Annual report

PDF

Investor Presentation

May 5PDF
Feb 1PDF
Oct 29PDF
Jul 30PDF
FY 2023

Annual report

PDF

Investor Presentation

May 3PDF
Jan 31PDF
Nov 1PDF
Jul 29PDF
FY 2025

Annual Report Pending

Investor Presentation

Oct 25PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Cholamandalam Investment and Finance Company Ltd31.285.460.16%
Bajaj Finance Ltd29.505.560.52%
Jio Financial Services Ltd127.621.47
Shriram Finance Ltd16.022.381.43%

Price Comparison

Compare CHOLAFIN with any stock or ETF
Compare CHOLAFIN with any stock or ETF
CHOLAFIN
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding50.24%14.25%2.33%27.18%6.01%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep20.91%21.51%24.73%26.00%26.62%27.18%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Cholamandalam Investment and Finance Company Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
SBI Blue Chip Fund - Growth - Direct Plan

Growth
1.3939%2.80%0.11%11/60 (-1)
Axis Bluechip Fund - Growth - Direct Plan

Growth
0.9007%2.67%0.21%13/62 (0)
Canara Robeco Emerging Equities - Growth - Direct Plan

Growth
0.8974%3.77%0.64%6/92 (0)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Cholamandalam Investment and Finance Company Ltd

Events

Dividend Trend

No Dividend Cuts

Dividends are the portion of earnings that a company distributes to all its shareholders every year

CHOLAFIN has increased or maintained dividend levels over the last 5 years

Dividend Yield

Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.15%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.55 every year

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateJul 19, 2024

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 19, 2024

Cash Dividend

Ex DateEx DateFeb 7, 2024

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

1.30

Ex DateEx Date

Feb 7, 2024

Cash Dividend

Ex DateEx DateJul 25, 2023

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 25, 2023

Cash Dividend

Ex DateEx DateFeb 10, 2023

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

1.30

Ex DateEx Date

Feb 10, 2023

Cash Dividend

Ex DateEx DateJul 21, 2022

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 21, 2022

News & Opinions
Earnings
Cholamandalam Investment & Finance Company consolidated net profit rises 25.22% in the September 2024 quarter

Net profit of Cholamandalam Investment & Finance Company rose 25.22% to Rs 967.80 crore in the quarter ended September 2024 as against Rs 772.87 crore during the previous quarter ended September 2023. Sales rose 35.32% to Rs 6255.12 crore in the quarter ended September 2024 as against Rs 4622.58 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales6255.124622.58 35 OPM %69.6769.91 - PBDT1367.511100.21 24 PBT1304.881061.70 23 NP967.80772.87 25 Powered by Capital Market - Live

6 days agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company announces change in senior management

Cholamandalam Investment & Finance Company has appointed Jeeva Balakrishnan as Chief Human Resources Officer and Aman Sharma as Head Operations effective 05 November 2024. Powered by Capital Market - Live

6 days agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance raises Rs 500 cr

Cholamandalam Investment & Finance Company has allotted 50,000 Secured Non-Convertible Securities aggregating to Rs 500 crore on private placement basis on 04 October 2024. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Cholamandalam Investment & Fin. Co. to convene board meeting

Cholamandalam Investment & Fin. Co. will hold a meeting of the Board of Directors of the Company on 25 October 2024.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Cholamandalam Investment & Finance Company Ltd spurts 2.09%, gains for five straight sessions

Cholamandalam Investment & Finance Company Ltd rose for a fifth straight session today. The stock is quoting at Rs 1637.85, up 2.09% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.31% on the day, quoting at 25870.8. The Sensex is at 84661.07, up 0.14%. Cholamandalam Investment & Finance Company Ltd has added around 17.4% in last one month. Meanwhile, Nifty Financial Services index of which Cholamandalam Investment & Finance Company Ltd is a constituent, has added around 6.47% in last one month and is currently quoting at 24789.2, up 0.44% on the day. The volume in the stock stood at 7.09 lakh shares today, compared to the daily average of 17.03 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 1640.15, up 2.12% on the day. Cholamandalam Investment & Finance Company Ltd is up 38.44% in last one year as compared to a 31.49% gain in NIFTY and a 25.48% gain in the Nifty Financial Services index.The PE of the stock is 37.12 based on TTM earnings ending June 24.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Cholamandalam Invt appoints Ravindra Kundu, as MD

Kundu has been the executive director of the company since 23 January 2020. He has over 36 years of experience in automobile and financial services industry including 24 years with the company. Ravindra Kumar Kundu is a graduate in Commerce and has completed Post Graduate Programme in Management for Senior Executives from the Kellogg School of Management, Indian School of Business and an Executive Programme in Global Business Management from the Indian Institute of Management Calcutta. Cholamandalam Investment & Finance Company is engaged in the business of providing vehicle finance, home loans and Loan against property. The company's net profit increased 33.4% to Rs 947.15 crore on 40.4% jump in total income to Rs 5,857.28 crore in Q1 FY25 over Q1 FY24. The scrip jumped 3.40% to close at Rs 1,411 on Friday, 26 July 2024. Powered by Capital Market - Live

3 months agoCapital Market - Live

Cholamandalam Investment Appoints Ravindra Kumar Kundu As MD

3 months agoBloomberg Quint

Cholamandalam Investment and Finance appoints Ravindra Kumar Kundu as MD

3 months agoBusiness Standard

Cholamandalam Investment Q1 net profit rises 30% to ₹942 cr.

3 months agoThe Hindu

Cholamandalam Investment and Finance Q1 results: PAT up 29.7% at Rs 942 cr

3 months agoBusiness Standard