What is Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) share price return in the past 10 years?

Cholamandalam Financial Holdings Ltd share price has appreciated 13.8% annually (CAGR) over the past ten years.

What is the share price of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)?

Company share prices are keep on changing according to the market conditions. The current trading price of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) on 24-Jun-2026 16:59:59 at 16:59 is 1646.85.

What is the P/E ratio of Cholamandalam Financial Holdings?

The latest standalone P/E ratio of Cholamandalam Financial Holdings as of 24-Jun-2026 is 439.20.

What is the P/B ratio of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)?

The latest standalone P/B ratio of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) as of 24-Jun-2026 is 22.09.

What is the 52-week high and low of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)?

The 52-week high of Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) is Rs. 2299.00 and the 52-week low is Rs. 1305.00.

Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)
Brand: Cholamandalam Financial Holdings

Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 504973 NSE: CHOLAHLDNG Finance - Investment | Small Cap | Cholamandalam Fin. Share Price

Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 504973 NSE: CHOLAHLDNG Finance - Investment | Small Cap | Cholamandalam Fin. Share Price

Key Metrics

Valuation Multiples

Market Cap

₹30,924 Cr.

Current Price

₹1,646.9

52-Week Low / High

₹1,305 / 2,299

TTM EPS

₹3.8

Book Value per Share

₹74.5

P/E Ratio

439.20

Higher than its 5-year historical median

Industry PE

55.7

Price to Book (P/B)

22.09

Higher than its 5-year historical median

EV/EBITDA

358.59

Higher than its 5-year historical median

Dividend Yield

0.08%

Profitability Efficiency

Return on Equity (ROE)

4.88%

Return on Capital Employed (ROCE)

6.26%

Return on Assets (ROA)

4.87%

Growth Momentum
1-yr vs 3-yr growth

Net Interest Income Growth (1 Year)

Slowing versus 3-year growth rate

4.65%

Book Value Growth (1 Year)

Improving versus 3-year growth rate

4.94%

Asset Quality

Gross NPA(%)

0.00%

Net NPA(%)

0.00%

TTM Sales

₹79.8 Cr.

Reserves

₹1,381 Cr.

Equity

₹18.8 Cr.

Face Value

₹1

All Time Low / High

₹2.50 / 2299.00

Cholamandalam Financial Holdings stock performance

Key Ratios

Check Before You Invest

Quality

Somewhat Good

Check detailed performance

Valuation

Overvalued

Check Valuation charts

Price Trend

Semi Strong

Check Price chart

Q.1 Is Cholamandalam Financial Holdings Ltd a good quality company?

Cholamandalam Financial Holdings Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Cholamandalam Financial Holdings Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Cholamandalam Financial Holdings Ltd vs Industry Peers?

Cholamandalam Financial Holdings Ltd AUM CAGR is 0.49%, compared to the 5-year industry median CAGR of 9.27%, indicating slower growth and losing its market share.

Q.1 Promoter shareholding and pledge status of Cholamandalam Financial Holdings Ltd?

Promoters hold 46.38% of the Cholamandalam Financial Holdings Ltd, with 0.02% of their stake pledged, indicating low pledge risk.

Q.1 Stock return of Cholamandalam Financial Holdings Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 13.9% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	293	40.1	64.7	73.5	90.9	58.1	83.5	83.8	86	86.2	80
YoY Gr. Rt. %	-	-86.3%	61.3%	13.7%	23.7%	-36.1%	43.9%	0.3%	2.7%	0.2%	-
Adj EPS (₹ )	36.2	1.9	3.2	3.5	4.4	1.2	3	3.1	3.3	3.4	3.8
YoY Gr. Rt. %	-	-94.6%	63.4%	11.7%	25.4%	-73.9%	155.2%	4.1%	6.8%	4.3%	-
BVPS (₹ )	103.5	51.7	54.4	56.7	59.6	60.8	63.3	65.8	68.6	72	74.5
YoY Gr. Rt. %	-	-50.1%	5.3%	4.3%	5.1%	2%	4.1%	4.1%	4.1%	4.9%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	17.5	1.4	6	6.4	7	1.7	4.3	4.5	4.8	4.9	0

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-12.7%	-1.1%	1.1%	0.2%
Adj EPS	-23%	-5%	5%	4.3%
BVPS	-4%	3.9%	4.4%	4.9%
Share Price	13.8%	21.1%	23.8%	-18.7%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Margins
Net Profit Margin (%)	231.4	90.6	91.9	90.5	91.7	37.4	66.5	69.1	71.8	74.7	88.3
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	41.6	2.5	6	6.4	7.6	1.9	4.8	4.8	4.9	4.9	5

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	293	40	65	74	91	58	84	84	86	86
Interest Income	293	40	65	74	91	58	84	84	86	86
Other Income ⓘ	6	3	1	1	0	0	0	0	0	0
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Expenditure ⓘ +	272	4	3	3	4	24	13	10	7	4
Interest Expense ⓘ	2	0	0	0	1	22	10	7	4	0
Operating Expenses ⓘ	264	1	2	2	2	2	3	3	3	4
Provisions	6	3	1	1	0	0	0	0	0	0
Exceptional Items ⓘ	821	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	842	36	61	71	87	34	71	74	79	83
Taxes ⓘ	164	0	2	4	4	12	15	16	17	18
Profit After Tax	678	36	59	67	83	22	56	58	62	64
Adjusted EPS (₹)	36.2	1.9	3.2	3.5	4.4	1.2	3.0	3.1	3.3	3.4
Dividend Payout Ratio (%)	13.80%	64.60%	39.50%	35.30%	14.60%	47.60%	18.60%	17.90%	16.70%	37.90%

Valuation of Cholamandalam Fin. - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	1,939	969	1,020	1,064	1,118	1,141	1,187	1,236	1,288	1,351
Share Capital ⓘ	37	19	19	19	19	19	19	19	19	19
Reserves ⓘ	1,902	950	1,001	1,045	1,100	1,122	1,168	1,218	1,269	1,333
Short term borrowings	266	0	0	0	0	0	0	0	0	0
Long Term Borrowings	417	0	-0	-0	200	151	100	50	0	2
Current Liabilities	1,822	2	3	3	3	11	3	2	1	2
Trade Payables	612	0	0	0	1	1	1	1	0	0
Other Liabilities	-878	-0	-0	-0	-1	-1	-1	-1	-0	-0
Total Liabilities ⓘ	4,178	971	1,022	1,068	1,322	1,303	1,290	1,288	1,289	1,355
Assets
Non Current Asset +	2,401	914	916	955	1,278	1,279	1,280	1,281	1,280	1,291
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	2,401	914	916	955	1,278	1,279	1,280	1,281	1,280	1,291
Current Asset +	1,777	57	107	113	43	24	10	8	9	65
Current Investment	0	0	24	1	0	0	0	0	0	0
Other Current Asset	1,777	57	83	112	43	24	10	8	9	65
Total Assets ⓘ	4,178	971	1,022	1,068	1,322	1,303	1,290	1,288	1,289	1,355

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	135	-19	66	-34	-161	52	58	53	67	3
Cash Flow From Investing Activity ⓘ	794	0	0	0	-0	0	-0	0	-0	-0
Cash Flow From Financing Activity ⓘ	-220	-106	-11	-21	170	-50	-60	-59	-61	-10
Net Cash Flow ⓘ	709	-125	55	-55	9	2	-2	-6	6	-8

Financial Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	36.20	1.90	3.20	3.50	4.40	1.20	3	3.10	3.30	3.40
DPS (₹)	5	1.30	1.30	1.30	0.70	0.60	0.60	0.60	0.60	1.30
BVPS (₹)	103.5	51.7	54.4	56.7	59.6	60.8	63.3	65.8	68.6	72
Performance Ratios
ROA (%)	17.5	1.4	6.0	6.4	7.0	1.7	4.3	4.5	4.8	4.9
ROE (%)	41.6	2.5	6.0	6.4	7.6	1.9	4.8	4.8	4.9	4.9
ROCE (%)	27.9	1.7	6.2	6.8	7.4	4.3	6.3	6.3	6.4	6.3
Valuation Parameters
Price/Book(x)	3.7	12.1	11.9	8.5	4.9	9.9	9.8	8.2	16.3	24.4

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.02

0.01

0.02

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Cholamandalam Financial Holdings Ltd FAQs

The current trading price of Cholamandalam Fin. on 24-Jun-2026 16:59 is ₹1,646.9.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 23-Jun-2026 the market cap of Cholamandalam Fin. stood at ₹30,924.1 Cr

The latest P/E ratio of Cholamandalam Fin. as of 23-Jun-2026 is 439.2.

The latest P/B ratio of Cholamandalam Fin. as of 23-Jun-2026 is 22.09.

The 52-week high of Cholamandalam Fin. is ₹2,299 and the 52-week low is ₹1,305.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Cholamandalam Fin. is ₹79.79 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Cholamandalam Financial Holdings Ltd is a average quality company.

The key valuation ratios of Cholamandalam Financial Holdings Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Cholamandalam Financial Holdings Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About Cholamandalam Financial Holdings Ltd

Cholamandalam Financial Holdings Limited (CFHL) (formerly known as TI Financial Holdings Limited) was incorporated in 1949 and is a part of the Murugappa Group, one of the most diversified business conglomerates of India. Consequent to the scheme of arrangement (demerger) sanctioned by the National Company Law Tribunal, the manufacturing business of the Company was transferred to a separate company and the company retained its finance business.

CFHL is registered with the Reserve Bank of India as a Non-Deposit taking Systemically Important - Core Investment Company (CIC-ND-SI) pursuant to the receipt of Certificate of Registration from the Reserve Bank of India (RBI) dated January 6, 2020, under Section 45-IA of the Reserve Bank of India Act, 1934. After the demerger, the company has significant shareholding in companies viz., Cholamandalam Investment and Finance Company Limited, Cholamandalam MS General Insurance Company Limited and Cholamandalam MS Risk Services Limited.

Business area of the company

CFHL is the holding company for the financial services and risk management businesses of the Murugappa Group and is engaged in non-banking financial business.

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Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)

Cholamandalam Financial Holdings Ltd (CHOLAHLDNG)

Cholamandalam Financial Holdings stock performance

Check Before You Invest

Quality

Valuation

Price Trend

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

CAGR ⓘ

Key Financial Ratios

Profit And Loss

Valuation of Cholamandalam Fin. - Standalone

Price Calculator

Price Chart

Price to Earnings

Price to Sales

Price to Book

EV to EBITDA

Dividend History

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Balance Sheet

Equity and Liabilities

Assets

Cash Flow

Financial Ratio

Operational & Financial Ratios

Performance Ratios

Valuation Parameters

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Cholamandalam Financial Holdings Ltd FAQs

What is the share price of Cholamandalam Fin.?

What is the market cap of Cholamandalam Fin.?

What is the P/E ratio of Cholamandalam Fin.?

What is the P/B ratio of Cholamandalam Fin.?

What is the 52-week high and low of Cholamandalam Fin.?

What is the TTM revenue of Cholamandalam Fin.?

Is Cholamandalam Financial Holdings Ltd a good quality company?

Is Cholamandalam Financial Holdings Ltd undervalued or overvalued?

Is Cholamandalam Financial Holdings Ltd a good buy now?

About Cholamandalam Financial Holdings Ltd

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