Cholamandalam Financial Holdings Ltd Stock Analysis

BSE: 504973 | NSE: CHOLAHLDNG | Finance - Investment | Mid Cap

BSE Share Price 06-Dec-2022 18:01
599.60 -6.30 (-1.04%)

DeciZen - Make an Informed Decision on Cholamandalam Fin.

Overall Rating

1. Quality

2. Valuation

Fair

3. Price Trend

Cholamandalam Fin. Price Chart

P/E Ratio (SA) :
197.55
Market Cap :
11,258.1 Cr.
52-wk low :
564
52-wk high :
738
Bole Toh?

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

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

2. Is Cholamandalam Financial Holdings Ltd undervalued or overvalued?

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

3. Is Cholamandalam Financial Holdings Ltd a good buy now?

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

10 Year X-Ray of Cholamandalam Fin.:

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

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'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)3,8173,7834,0984,24040.164.773.590.958.183.576
YoY Gr. Rt. %--0.9%8.3%3.5%-99.1%61.3%13.7%23.7%-36.1%43.9%-
Adj EPS (₹ ) 5.656.5391.93.23.54.41.233
YoY Gr. Rt. %--9.7%28.4%503.1%-95%63.4%11.7%25.4%-73.9%155.2%-
BVPS (₹ )63.366.370.6103.551.754.456.759.660.863.363.9
YoY Gr. Rt. %-4.7%6.5%46.7%-50.1%5.3%4.3%5.1%2%4.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)3.62.93.518.91.466.471.74.30

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income-34.6%15.8%4.4%43.9%
Adj EPS-6.8%8.8%-5.8%155.2%
BVPS-0%4.1%3.7%4.1%
Share Price 13.6% 0.1% 6.8% -11.6%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)2.72.5317.290.691.990.591.737.466.575.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.17.89.444.82.566.47.61.94.84.8

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 4.80%

Total Income has increased 4.35 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

Net Profit has declined -5.79 CAGR in last 3 years

Latest Financials - Cholamandalam Financial Holdings Ltd.

Standalone Consolidated
TTM EPS (₹) 3 58.8
TTM Sales (₹ Cr.) 75.7 11,975
BVPS (₹.) 63.9 366.8
Reserves (₹ Cr.) 1,181 6,868
P/BV 9.38 1.63
PE 197.55 10.20
From the Market
52 Week Low / High (₹) 564.00 / 738.00
All Time Low / High (₹) 2.50 / 862.00
Market Cap (₹ Cr.) 11,258
Equity (₹ Cr.) 18.8
Face Value (₹) 1
Industry PE 70

Management X-Ray of Cholamandalam Fin. :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.040.040.040.040.030.030.170.170.170.17
* Pledged shares as % of Promoter's holding (%)

Event Update

Login/Register to view analysis.

Analyst's Notes

Key Ratios of Cholamandalam Fin.

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

Cholamandalam Financial Holdings Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Cholamandalam Fin. on 06-Dec-2022 18:01 is : 599.6.
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 06-Dec-2022 18:01 the market cap of Cholamandalam Fin. stood at ₹ 11,258.1.
The latest PE ratio of Cholamandalam Fin. as of 06-Dec-2022 18:01 is 197.6.
The latest PB ratio of Cholamandalam Fin. as of 06-Dec-2022 18:01 is 9.38
The 52-week high of Cholamandalam Fin. is ₹ 738.0 and the 52-week low is ₹ 564.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Cholamandalam Fin. is ₹ 75.72 ( Cr.) .

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.

Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login | Register Now