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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||3,817||3,783||4,098||4,240||40.1||64.7||73.5||90.9||58.1||83.5||76|
|YoY Gr. Rt. %||-||-0.9%||8.3%||3.5%||-99.1%||61.3%||13.7%||23.7%||-36.1%||43.9%||-|
|Adj EPS (₹ )||5.6||5||6.5||39||1.9||3.2||3.5||4.4||1.2||3||3|
|YoY Gr. Rt. %||-||-9.7%||28.4%||503.1%||-95%||63.4%||11.7%||25.4%||-73.9%||155.2%||-|
|BVPS (₹ )||63.3||66.3||70.6||103.5||51.7||54.4||56.7||59.6||60.8||63.3||63.9|
|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 (%)||3.6||2.9||3.5||18.9||1.4||6||6.4||7||1.7||4.3||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||-34.6%||15.8%||4.4%||43.9%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0||0||0||0||0||0||0||0||0||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||0||0||0||0||0||0||0||0||0||0||-|
|Net Profit Margin (%)||2.7||2.5||3||17.2||90.6||91.9||90.5||91.7||37.4||66.5||75.4|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||9.1||7.8||9.4||44.8||2.5||6||6.4||7.6||1.9||4.8||4.8|
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
|TTM EPS (₹)||3||58.8|
|TTM Sales (₹ Cr.)||75.7||11,975|
|BVPS (₹.) ⓘ||63.9||366.8|
|Reserves (₹ Cr.) ⓘ||1,181||6,868|
|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|
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.