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Cholamandalam Financial Holdings Ltd Stock Analysis

Mid Cap
Evaluated by 1888 users | BSE: 504973 | NSE: CHOLAHLDNG |
Finance - Investment

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...

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'20
Operating Income (Rs. Cr.)3,1453,6903,8173,7834,0984,24040.164.773.590.9
Y-o-Y Gr. Rt.-17.3%3.5%-0.9%8.3%3.5%-99.1%61.3%13.7%23.7%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
9.149.675.575.036.4638.961.943.173.544.44
Y-o-Y Gr. Rt.-5.8%-42.4%-9.7%28.4%503.1%-95%63.4%11.7%25.4%
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
53.459.8563.2966.2870.56103.5151.6654.3756.759.58
Y-o-Y Gr. Rt.-12.1%5.8%4.7%6.5%46.7%-50.1%5.3%4.3%5.1%
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 (%)7.457.173.592.893.4818.861.415.966.376.98
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
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income-32.6%-53.3%31.4%23.7%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-7.7%-7.2%31.8%25.4%
Book Value per Share
1.2%-3.3%4.9%5.1%
Share Price 17.7% 6% -5% 149.5%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Margins
Net Profit Margin (%) 5.394.882.722.492.9517.2190.5791.8690.5291.69
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 (%) 18.7617.19.057.779.4444.782.55.976.397.64
Entity Percentage Holding
Promoters 48.80%
Institutions 37.79%
Non-Institutions 13.42%
Pledged *0.110.070.080.040.040.040.040.040.040.04
* Pledged shares as % of Promoter's holding (%)

MoneyWorks4Me analysed the past 10-year performance of Cholamandalam Financial Holdings Ltd and arrived at the following conclusion:

Past 10 year's financial track record indicates that Cholamandalam Financial Holdings Ltd is a average quality company. However, for specific investment actions please connect with your investment advisor.

The 5-year analysis of Cholamandalam Financial Holdings Ltd's performance infers:

Cholamandalam Financial Holdings Ltd earnings have declined by -7.2%, whereas share price has appreciated 6% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Cholamandalam Financial Holdings Ltd share prices over the last 10 years. Here is what we found out:

Cholamandalam Financial Holdings Ltd share price has appreciated 15.9% annually over the past ten years.

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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