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Cholamandalam Investment and Finance Company Ltd

CHOLAFIN Share Price

1,583.104.31% (+65.40)
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With a market cap of ₹1,33,201 cr, stock is ranked 65

Stock is 2.63x 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

Avg

Financials growth has been moderate for a few years

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 ₹1,33,201 cr, stock is ranked 65

Stock is 2.63x as volatile as Nifty

CHOLAFIN Performance & Key Metrics

CHOLAFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
29.915.630.13%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.042.311.03%

CHOLAFIN Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
62%
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 View older 

Jul 31, 2025

PDF
View Older Presentations

CHOLAFIN Similar Stocks (Peers)

Compare with peers Compare with peers 

CHOLAFIN Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
37.51
37.51
1Y Return
36.58%
36.58%
Buy Reco %
58.06
58.06
PE Ratio
124.28
124.28
1Y Return
9.56%
9.56%
Buy Reco %
50.00
50.00
PE Ratio
22.50
22.50
1Y Return
48.41%
48.41%
Buy Reco %
75.00
75.00
PE Ratio
12.17
12.17
1Y Return
9.61%
9.61%
Buy Reco %
83.33
83.33
PE Ratio
44.64
44.64
1Y Return
29.75%
29.75%
Buy Reco %
14.29
14.29
Compare with Peers

CHOLAFIN Sentiment Analysis

CHOLAFIN Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CHOLAFIN Stock Summary · August 2025

Amidst economic uncertainties and geopolitical risks, the company is strategically adjusting its focus towards traditional lending and enhancing operational efficiency, particularly in vehicle finance and housing loans. While facing challenges such as increased non-performing loans and muted growth in certain segments, management remains cautiously optimistic about recovery, especially with anticipated improvements in the rural economy and seasonal disbursement boosts during festivals. The emphasis on maintaining asset quality through tighter credit norms and a customer-centric approach is evident, as is the commitment to improving collections over disbursements. Despite current market pressures, the company aims for a robust growth trajectory, targeting a 20% increase in overall performance, supported by strategic market share gains and operational refinements.

CHOLAFIN Stock Growth Drivers
CHOLAFIN Stock Growth Drivers
8
  • Strong Financial Performance

    The company reported aggregate disbursements of Rs. 24,325 crores for Q1 FY'26, reflecting a robust

  • Expansion of Business Segments

    The company successfully launched a gold loan business, opening 73 independent branches, which is expected

CHOLAFIN Stock Challenges
CHOLAFIN Stock Challenges
6
  • Increase in Non-Performing Loans (NPLs)

    The company is experiencing a rise in non-performing loans (NPLs) across various segments, particularly in

  • Economic Uncertainty and Market Challenges

    The global economy is facing significant uncertainty due to US tariff and trade policy concerns

CHOLAFIN Forecast

CHOLAFIN Forecasts

Price

Revenue

Earnings

CHOLAFIN

CHOLAFIN

Income

Balance Sheet

Cash Flow

CHOLAFIN Income Statement

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 24.59%, vs industry avg of 16.15%

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 5.71% to 8.73%

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 32.25%, vs industry avg of 20.2%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue4,696.845,559.287,108.838,712.639,639.7210,231.8113,105.5919,419.8726,152.7627,652.00
Raw Materialssubtract21,397.60
Power & Fuel Costsubtract
Employee Costsubtract414.09550.81604.68700.32791.01957.201,360.372,478.603,327.75
Selling & Administrative Expensessubtract449.35395.27322.95236.09208.40387.31518.69661.55777.97
Operating & Other expensessubtract2,686.953,161.534,292.686,076.756,490.115,879.077,490.8511,476.3516,060.76
Depreciation/Amortizationsubtract39.0250.8656.99111.25102.30100.63121.09198.06244.83253.31
Interest & Other Itemssubtract
Taxes & Other Itemssubtract388.01481.51633.47534.50527.04754.09949.741,185.251,478.751,547.71
EPS9.2011.7515.3113.1518.5426.2232.4141.1250.6852.92
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 2026FY 2026

Annual Report Pending

Investor Presentation

Jul 31PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 25PDF
Jan 31PDF
Oct 25PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 3PDF
Jan 31PDF
Nov 1PDF
Jul 29PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

May 5PDF
Feb 1PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
 

CHOLAFIN Stock Peers

CHOLAFIN Past Performance & Peer Comparison

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 Ltd31.255.630.13%
Bajaj Finance Ltd37.516.310.56%
Jio Financial Services Ltd124.281.620.16%
Muthoot Finance Ltd22.504.000.87%

CHOLAFIN Stock Price Comparison

Compare CHOLAFIN with any stock or ETF
Compare CHOLAFIN with any stock or ETF
CHOLAFIN
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CHOLAFIN Holdings

CHOLAFIN Shareholdings

CHOLAFIN Promoter Holdings Trend

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

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

CHOLAFIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding49.90%12.51%3.55%27.96%6.08%

Sep 2024

Dec 2024

Mar 2025

Jun 2025

CHOLAFIN Shareholding History

CHOLAFIN Shareholding History

MarJunSepDec '24MarJun26.00%26.62%27.18%27.43%28.23%27.96%

Mutual Funds Invested in CHOLAFIN

Mutual Funds Invested in CHOLAFIN

No mutual funds holding trends are available

Top 5 Mutual Funds holding Cholamandalam Investment and Finance Company Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.8541%2.08%-0.24%20/50 (-3)
0.7111%1.59%1.59%28/70 (+37)
0.6539%6.10%0.83%11/24 (0)

Compare 3-month MF holding change on Screener

CHOLAFIN Insider Trades & Bulk Stock Deals

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

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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Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
6.58%
6.58%
CAGR
11.66%
Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
4.89%
4.89%
CAGR
9.74%

CHOLAFIN Events

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 0.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.32 every year

Dividends

Corp. Actions

Announcements

Legal Orders

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 0.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.32 every year

CHOLAFIN Upcoming Dividends

CHOLAFIN Upcoming Dividends

No upcoming dividends are available

CHOLAFIN Past Dividends

CHOLAFIN Past Dividends

Cash Dividend

Ex DateEx DateJul 24, 2025

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 24, 2025

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

CHOLAFIN Stock News & Opinions

CHOLAFIN Stock News & Opinions

Spotlight
Cholamandalam Investment & Finance Company Ltd up for five straight sessions

Cholamandalam Investment & Finance Company Ltd rose for a fifth straight session today. The stock is quoting at Rs 1508, up 0.94% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.32% on the day, quoting at 24853. The Sensex is at 81080.89, up 0.36%. Cholamandalam Investment & Finance Company Ltd has added around 1.69% in last one month. Meanwhile, Nifty Financial Services index of which Cholamandalam Investment & Finance Company Ltd is a constituent, has added around 1.77% in last one month and is currently quoting at 25942.7, down 0.02% on the day. The volume in the stock stood at 4.89 lakh shares today, compared to the daily average of 10.84 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 1507.1, up 0.63% on the day. Cholamandalam Investment & Finance Company Ltd is up 0.03% in last one year as compared to a 0.75% fall in NIFTY and a 9.68% fall in the Nifty Financial Services index.The PE of the stock is 28.24 based on TTM earnings ending June 25.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company allots 90,967 equity shares under ESOS

Cholamandalam Investment & Finance Company has allotted 90,967 equity shares under ESOS. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Spotlight
Cholamandalam Investment & Finance Company Ltd spurts 0.45%, up for fifth straight session

Cholamandalam Investment & Finance Company Ltd is up for a fifth straight session today. The stock is quoting at Rs 1534.7, up 0.45% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.26% on the day, quoting at 25046.15. The Sensex is at 81856.19, up 0.26%. Cholamandalam Investment & Finance Company Ltd has slipped around 2.48% in last one month. Meanwhile, Nifty Financial Services index of which Cholamandalam Investment & Finance Company Ltd is a constituent, has slipped around 1.9% in last one month and is currently quoting at 26592.3, down 0.44% on the day. The volume in the stock stood at 8.24 lakh shares today, compared to the daily average of 17.92 lakh shares in last one month. The benchmark August futures contract for the stock is quoting at Rs 1533, up 0.33% on the day. Cholamandalam Investment & Finance Company Ltd is up 9.59% in last one year as compared to a 1.11% jump in NIFTY and a 14.39% jump in the Nifty Financial Services index.The PE of the stock is 28.89 based on TTM earnings ending June 25.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Earnings
Cholamandalam Investment & Finance Company consolidated net profit rises 20.13% in the June 2025 quarter

Net profit of Cholamandalam Investment & Finance Company rose 20.13% to Rs 1137.83 crore in the quarter ended June 2025 as against Rs 947.15 crore during the previous quarter ended June 2024. Sales rose 25.02% to Rs 7266.80 crore in the quarter ended June 2025 as against Rs 5812.31 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Sales7266.805812.31 25 OPM %68.5470.29 - PBDT1599.441334.02 20 PBT1532.001275.06 20 NP1137.83947.15 20 Powered by Capital Market - Live

1 month 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 31 July 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
Cholamandalam Investment & Finance Company Ltd soars 0.09%, gains for fifth straight session

Cholamandalam Investment & Finance Company Ltd is up for a fifth straight session today. The stock is quoting at Rs 1610.2, up 0.09% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.62% on the day, quoting at 25402.2. The Sensex is at 83287.99, up 0.64%. Cholamandalam Investment & Finance Company Ltd has slipped around 3.3% in last one month. Meanwhile, Nifty Financial Services index of which Cholamandalam Investment & Finance Company Ltd is a constituent, has slipped around 2.53% in last one month and is currently quoting at 26851.2, up 0.89% on the day. The volume in the stock stood at 8.67 lakh shares today, compared to the daily average of 19.73 lakh shares in last one month. The benchmark June futures contract for the stock is quoting at Rs 1614.4, up 0.39% on the day. Cholamandalam Investment & Finance Company Ltd is up 11.97% in last one year as compared to a 5.65% jump in NIFTY and a 14.66% jump in the Nifty Financial Services index.The PE of the stock is 31.78 based on TTM earnings ending March 25.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company allots 78,767 equity shares under ESOS

Cholamandalam Investment & Finance Company has allotted 78,767 equity shares under ESOS on 30 May 2025. Powered by Capital Market - Live

3 months agoCapital Market - Live
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

4 months 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

4 months 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

4 months agoCapital Market - Live

Frequently asked questions

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 16th September 2025 is ₹1583.10. 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: 1.19%
    • Past 1 month: 1.09%
    • Past 3 months: 1.05%
    • Past 6 months: 8.76%
    • Past 1 year: 1.17%
    • Past 3 years: 105.97%
    • Past 5 years: 563.50%

  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 0.13.

  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 ₹133201.88 Cr as of 16th September 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 ₹1684.40 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 31.25. The P/B (price-to-book) ratio is 5.63.

  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.