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Cholamandalam Financial Holdings Ltd Stock Analysis

Mid Cap
Evaluated by 1973 users | BSE: 504973 | NSE: CHOLAHLDNG |
Finance - Investment

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Cholamandalam Financial Holdings Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (Rs. Cr.)3,1453,6903,8173,7834,0984,24040.164.773.590.958.175
Y-o-Y Gr. Rt.-17.3%3.5%-0.9%8.3%3.5%-99.1%61.3%13.7%23.7%-36.1%-
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
9.149.675.575.036.4638.961.943.173.544.441.162.61
Y-o-Y Gr. Rt.-5.8%-42.4%-9.7%28.4%503.1%-95%63.4%11.7%25.4%-73.9%-
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
53.459.8563.2966.2870.56103.5151.6654.3756.759.5860.7861.34
Y-o-Y Gr. Rt.-12.1%5.8%4.7%6.5%46.7%-50.1%5.3%4.3%5.1%2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >12 : Very Good
  • 8-12 : Somewhat Good
  • <8: Not Good
Net Profit/Total Funds (%)7.457.173.592.893.4818.861.415.966.376.981.65-
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Cholamandalam Financial Holdings Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  10 yrs 5 yrs 3 yrs 1 yr
Operating Income-37%-57.6%-3.5%-36.1%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-21%-50.5%-28.5%-73.9%
Book Value per Share
0.2%-10.1%3.8%2%
Share Price 18.6% 3.8% 10.5% 29%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Margins
Net Profit Margin (%) 5.394.882.722.492.9517.2190.5791.8690.5291.6937.464.94
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 18.7617.19.057.779.4444.782.55.976.397.641.924.25
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Entity Percentage Holding
Promoters 48.62%
Institutions 37.31%
Non-Institutions 14.07%
Pledged *0.080.040.040.040.040.040.040.040.030.03
* Pledged shares as % of Promoter's holding (%)
Past 10 year's financial track record analysis by Moneyworkds4me indicates that Cholamandalam Financial Holdings Ltd is a average quality company.

Cholamandalam Financial Holdings Ltd's earnings have declined by -50.5%, whereas share price has appreciated 3.8% CAGR over the past five years, indicating the company’s share price is likely overvalued. However, for specific investment actions please consult your investment advisor.

Cholamandalam Financial Holdings Ltd share price has appreciated 18.6% annually (CAGR) over the past ten years.

Past 10 years financial track record analysis and assessment of future prospects by Moneyworks4me indicates that Cholamandalam Financial Holdings Ltd is an average long term investment. However, you need to ensure you buy at a right price to earn good returns.

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.

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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.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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