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Cholamandalam Investment and Finance Company Ltd

CHOLAFIN Share Price

1,626.901.76% (-29.10)
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With a market cap of ₹1,36,826 cr, stock is ranked 64

Stock is 2.27x as volatile as Nifty

CHOLAFIN Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹1,36,826 cr, stock is ranked 64

Stock is 2.27x as volatile as Nifty

CHOLAFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
32.106.980.12%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.662.591.04%

CHOLAFIN Analyst Ratings & Forecast

Detailed Forecast 
65%
Analysts have suggested that investors can buy this stock

from 34 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

CHOLAFIN 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

View older 

Apr 25, 2025

PDF
View Older Presentations

CHOLAFIN Similar Stocks (Peers)

Compare with peers 
PE Ratio
34.10
1Y Return
35.50%
Buy Reco %
62.50
PE Ratio
108.46
1Y Return
23.24%
Buy Reco %
0.00
PE Ratio
12.79
1Y Return
39.03%
Buy Reco %
87.50
PE Ratio
47.81
1Y Return
24.78%
Buy Reco %
25.00
PE Ratio
15.78
1Y Return
22.74%
Buy Reco %
58.82
Compare with Peers
CHOLAFIN Sentiment Analysis
New
Crisp summary & key insights to decode earnings calls instantly

CHOLAFIN Stock Summary · May 2025

The company is poised for robust growth, targeting a 20% to 25% increase in Assets Under Management, driven by strategic expansions in home loans and the introduction of a gold loan business. While disbursement growth is projected conservatively at 15% to 17% in vehicle finance, management remains optimistic about improving collection efficiencies and asset quality, particularly in the SME segment. Challenges such as elevated credit costs and regulatory changes are being addressed through a focus on operational efficiency and a cautious approach to branch expansion. Despite potential market uncertainties, the sentiment remains positive, with expectations for significant opportunities in both the SME and Loan Against Property sectors. Overall, the company is balancing growth ambitions with prudent risk management to ensure sustainable profitability.

Key Points on Cholafin Stock
CHOLAFIN Stock Growth Drivers
6
  • Strong Financial Performance

    Cholamandalam Investment and Finance Company Limited reported significant financial achievements, including a net income of

  • Growth in Key Segments

    The company has achieved notable growth in various lending segments. Vehicle finance disbursements for Q4

CHOLAFIN Stock Challenges
5
  • Decline in Disbursements

    The company has experienced a decrease in disbursements across several segments. Specifically, SME disbursements fell

  • Challenges in Fintech Sector

    The company has decided to exit the Fintech partnership business, which has contributed to a

CHOLAFIN Forecasts

CHOLAFIN Forecast

Price

Revenue

Earnings

CHOLAFIN

Income

Balance Sheet

Cash Flow

CHOLAFIN 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 15.24%

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 5.68% to 8.24%

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 20.91%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue4,696.845,559.287,108.838,712.639,639.7210,231.8113,105.5919,419.8726,155.4626,155.46
Raw Materialssubtract20,166.4820,166.48
Power & Fuel Costsubtract
Employee Costsubtract414.09550.81604.68700.32791.01957.201,360.372,478.60
Selling & Administrative Expensessubtract449.35395.27322.95236.09208.40387.31518.69661.55
Operating & Other expensessubtract2,686.953,161.534,292.686,076.756,490.115,879.077,490.8511,476.35
Depreciation/Amortizationsubtract39.0250.8656.99111.25102.30100.63121.09198.06244.83244.83
Interest & Other Itemssubtract
Taxes & Other Itemssubtract388.01481.51633.47534.50527.04754.09949.741,185.251,481.451,481.45
EPS9.2011.7515.3113.1518.5426.2232.4141.1250.7250.71
DPS1.101.301.301.702.002.002.002.002.002.00
Payout ratio0.120.110.080.130.110.080.060.050.040.04

CHOLAFIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 5PDF
Feb 1PDF
Oct 29PDF
FY 2023

Annual report

PDF

Investor Presentation

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

Annual Report Pending

Investor Presentation

Apr 25PDF
Jan 31PDF
Oct 25PDF
 

CHOLAFIN Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Cholamandalam Investment and Finance Company Ltd32.106.980.12%
Bajaj Finance Ltd34.107.400.61%
Jio Financial Services Ltd108.461.260.18%
Shriram Finance Ltd12.792.461.52%

CHOLAFIN Stock Price Comparison

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

CHOLAFIN 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

CHOLAFIN 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

CHOLAFIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding49.92%12.46%3.03%28.23%6.36%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

CHOLAFIN Shareholding History

Dec '23MarJunSepDec '24Mar24.73%26.00%26.62%27.18%27.43%28.23%

Mutual Funds Invested in CHOLAFIN

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)
0.9923%2.63%-0.19%16/54 (-2)
0.4961%5.41%-0.24%9/22 (0)
0.4840%1.87%-0.34%15/89 (-3)

Compare 3-month MF holding change on Screener

CHOLAFIN Insider Trades & Bulk Stock Deals

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

smallcases containing CHOLAFIN stock

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

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Banking Privately

Banking Privately

Created by Windmill Capital

CHOLAFIN's Wtg.
5.23%
CAGR
6.05%
Rising Rural Demand

Rising Rural Demand

Created by Windmill Capital

CHOLAFIN's Wtg.
5.83%
CAGR
10.66%
House of Murugappa

House of Murugappa

Created by Windmill Capital

CHOLAFIN's Wtg.
16.54%
CAGR
28.91%

CHOLAFIN Events

CHOLAFIN 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 0.12%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.24 every year

Dividends

Corp. Actions

Announcements

Legal Orders

CHOLAFIN Upcoming Dividends

No upcoming dividends are available

CHOLAFIN Past Dividends

Cash Dividend

Ex DateEx DateFeb 7, 2025

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

1.30

Ex DateEx Date

Feb 7, 2025

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

CHOLAFIN Stock News & Opinions

Earnings
Cholamandalam Investment & Finance Company consolidated net profit rises 18.24% in the March 2025 quarter

Net profit of Cholamandalam Investment & Finance Company rose 18.24% to Rs 1259.54 crore in the quarter ended March 2025 as against Rs 1065.23 crore during the previous quarter ended March 2024. Sales rose 30.23% to Rs 7045.57 crore in the quarter ended March 2025 as against Rs 5409.90 crore during the previous quarter ended March 2024. For the full year,net profit rose 24.64% to Rs 4262.70 crore in the year ended March 2025 as against Rs 3420.06 crore during the previous year ended March 2024. Sales rose 35.04% to Rs 25845.98 crore in the year ended March 2025 as against Rs 19139.62 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales7045.575409.90 30 25845.9819139.62 35 OPM %71.4773.81 -70.3271.86 - PBDT1762.651519.35 16 5988.984812.69 24 PBT1698.561444.17 18 5744.154614.63 24 NP1259.541065.23 18 4262.703420.06 25 Powered by Capital Market - Live

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

Cholamandalam Investment & Fin. Co. announced that the 47th Annual General Meeting(AGM) of the company will be held on 31 July 2025.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Board of Cholamandalam Investment & Fin. Co. recommends Final Dividend

Cholamandalam Investment & Fin. Co. announced that the Board of Directors of the Company at its meeting held on 25 April 2025, has recommended a Final dividend of Rs.0.70 per share (i.e.35%), subject to the approval of the shareholders.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company fixes record date for final dividend

Cholamandalam Investment & Finance Company has fixed 24 July 2025 as record date for final dividend of Rs 0.70 per share for FY 2025. The dividend will be paid on or before 29 August 2025. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Spotlight
Cholamandalam Investment & Finance Company Ltd leads losers in 'A' group

IndusInd Bank Ltd, Fusion Finance Ltd, Techno Electric & Engineering Company Ltd and Just Dial Ltd are among the other losers in the BSE's 'A' group today, 22 April 2025.Cholamandalam Investment & Finance Company Ltd tumbled 5.38% to Rs 1569.9 at 14:47 IST.The stock was the biggest loser in the BSE's 'A' group.On the BSE, 95401 shares were traded on the counter so far as against the average daily volumes of 54148 shares in the past one month.IndusInd Bank Ltd crashed 5.05% to Rs 786.25. The stock was the second biggest loser in 'A' group.On the BSE, 11.04 lakh shares were traded on the counter so far as against the average daily volumes of 7.16 lakh shares in the past one month.Fusion Finance Ltd lost 4.68% to Rs 157.7. The stock was the third biggest loser in 'A' group.On the BSE, 73066 shares were traded on the counter so far as against the average daily volumes of 68280 shares in the past one month.Techno Electric & Engineering Company Ltd plummeted 4.37% to Rs 1107.55. The stock was the fourth biggest loser in 'A' group.On the BSE, 28797 shares were traded on the counter so far as against the average daily volumes of 19439 shares in the past one month.Just Dial Ltd shed 4.18% to Rs 985.7. The stock was the fifth biggest loser in 'A' group.On the BSE, 54856 shares were traded on the counter so far as against the average daily volumes of 50178 shares in the past one month.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Fin. Co. schedules board meeting

Cholamandalam Investment & Fin. Co. will hold a meeting of the Board of Directors of the Company on 25 April 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company raises Rs 1175 cr via debt issuance

Cholamandalam Investment & Finance Company has allotted 1,17,500 Secured Non-Convertible Securities aggregating to Rs 1175 crore on private placement basis on 26 March 2025. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Cholamandalam Investment appoints Vellayan Subbiah as executive chairman

According to an exchange filing, Subbiah will be a key managerial personnel of the company. He will continue to serve as the non-executive chairman until 31 March 2025. His appointment as executive chairman is for a period of five years, from 1 April 2025 to 31 March 2030. Vellayan Subbiah is a B.Tech in civil engineering from IIT Madras and holds a Master's in Business Administration from the University of Michigan. He has rich experience of over 27 years in consulting, technology, manufacturing and financial services. Vellayan has worked with McKinsey & Co, 24/7 Customer Inc, Tube Investments of India, Sundaram Fasteners and Laserwords in different capacities. Vellayan Subbiah is a recipient of 'EY Entrepreneur of the Year 2023' and was named as the 'EY World Entrepreneur of the Year 2024' for his excellent leadership and bold strategies in transforming businesses and seizing new opportunities through acquisitions and diversifications. Subbiah previously served as the managing director of Cholamandalam Investment and Finance from 19 August 2010 to 18 August 2017. He has been a non-executive director of the company since 11 November 2020 and will continue as the non-executive chairman until 31 March 2025. Additionally, he holds the position of executive vice chairman of Tube Investments of India until 31 March 2025. The company also clarified that Vellayan Subbiah is not related to any of the directors of the company. Cholamandalam Investment & Finance Company is engaged in the business of providing vehicle finance, home loans and loans against property. The company's standalone net profit jumped 24% to Rs 1,086.53 crore on 35.7% surge in total income to Rs 6,812.35 crore in Q3 FY25 over Q3 FY24. The counter shed 0.29% to Rs 1,523.25 on the BSE. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company appoints Vellayan Subbiah as Executive Chairman

Cholamandalam Investment & Finance Company has appointed Vellayan Subbiah (DIN: 01138759) as a Whole-time Director designated as the Executive Chairman of the Company for a term of 5 years commencing from 1 April 2025 till 31 March 2030 (both days inclusive).Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company allots 39,730 equity shares under ESOS

Cholamandalam Investment & Finance Company has allotted 39,730 equity shares under ESOS on 03 February 2025. Powered by Capital Market - Live

3 months agoCapital Market - Live

Frequently asked questions

  1. What is the share price of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) today?

    The share price of CHOLAFIN as on 22nd May 2025 is ₹1626.90. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share?

    The past returns of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share are
    • Past 1 week: 4.26%
    • Past 1 month: 1.97%
    • Past 3 months: 17.54%
    • Past 6 months: 34.63%
    • Past 1 year: 28.13%
    • Past 3 years: 151.90%
    • Past 5 years: 1220.54%

  3. What are the peers or stocks similar to Cholamandalam Investment and Finance Company Ltd (CHOLAFIN)?

    The peers or stocks similar to Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) include:

  4. What is the dividend yield % of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share?

    The current dividend yield of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is 0.12.

  5. What is the market cap of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹136826.00 Cr as of 22nd May 2025.

  6. What is the 52 week high and low of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share?

    The 52-week high of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹1682 and the 52-week low is ₹1168.

  7. What is the PE and PB ratio of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) stock?

    The P/E (price-to-earnings) ratio of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is 32.10. The P/B (price-to-book) ratio is 6.98.

  8. Which sector does Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) belong to?

    Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) belongs to the Financials sector & Consumer Finance sub-sector.

  9. How to buy Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) shares?

    You can directly buy Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) shares on Tickertape. Simply sign up, connect your demat account and place your order.