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10 Yrs X-Ray 
Profit & Loss 
Valuation 
Analyst Note 
Balance Sheet 
Cash Flow 
Financial Ratio 
Qtr. Results 
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About
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
₹1,518.20 2.75 (0.18%)
As on 24-Jul'26 16:59
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
₹1,518.20 2.75 (0.18%)
As on 24-Jul'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹28,508 Cr.
Current Price
₹1,518.2
52-Week Low / High
₹1,305 / 2,061
TTM EPS
₹3.8
Book Value per Share
₹74.5
P/E Ratio
404.89
Higher than its 5-year historical median
Industry PE
56.2
Price to Book (P/B)
20.37
Higher than its 5-year historical median
EV/EBITDA
330.85
Higher than its 5-year historical median
Dividend Yield
0.09%
Profitability Efficiency
Return on Equity (ROE)
5.12%
Return on Capital Employed (ROCE)
6.25%
Return on Assets (ROA)
5.10%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
4.16%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
3.59%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹89.8 Cr.
Reserves
₹1,381 Cr.
Equity
₹18.8 Cr.
Face Value
₹1
All Time Low / High
₹2.50 / 2299.00
Check Before You Invest
Quality
Somewhat GoodValuation
Somewhat OvervaluedCheck Valuation charts
Price Trend
Semi Strong
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:
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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.
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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?
AUM Growth of Cholamandalam Financial Holdings Ltd vs Industry Peers?
Cholamandalam Financial Holdings Ltd AUM CAGR is 1.5%, compared to the 5-year industry median CAGR of 10.32%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Cholamandalam Financial Holdings Ltd?
Promoters hold 46.43% of the Cholamandalam Financial Holdings Ltd, with 0.02% of their stake pledged, indicating low pledge risk.
Stock return of Cholamandalam Financial Holdings Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 10.9% 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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 40.1 | 64.7 | 73.5 | 90.9 | 58.1 | 83.5 | 83.8 | 86 | 86.2 | 89.8 | 90 | |
| YoY Gr. Rt. % | - | 61.3% | 13.7% | 23.7% | -36.1% | 43.9% | 0.3% | 2.7% | 0.2% | 4.2% | - | |
| Adj EPS (₹ ) | 1.9 | 3.2 | 3.5 | 4.4 | 1.2 | 3 | 3.1 | 3.3 | 3.4 | 3.8 | 3.8 | |
| YoY Gr. Rt. % | - | 63.4% | 11.7% | 25.4% | -73.9% | 155.2% | 4.1% | 6.8% | 4.3% | 9.3% | - | |
| BVPS (₹ ) | 51.7 | 54.4 | 56.7 | 59.6 | 60.8 | 63.3 | 65.8 | 68.6 | 72 | 74.5 | 74.5 | |
| YoY Gr. Rt. % | - | 5.3% | 4.3% | 5.1% | 2% | 4.1% | 4.1% | 4.1% | 4.9% | 3.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.4 | 6 | 6.4 | 7 | 1.7 | 4.3 | 4.5 | 4.8 | 4.9 | 5.1 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 9.4% | 9.1% | 2.3% | 4.2% | ||||
| Adj EPS | 7.6% | 26.5% | 6.8% | 9.3% | ||||
| BVPS | 4.2% | 4.2% | 4.2% | 3.6% | ||||
| Share Price | 10.9% | 18% | 18.5% | -23.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||||||
| Net Profit Margin (%) | 90.6 | 91.9 | 90.5 | 91.7 | 37.4 | 66.5 | 69.1 | 71.8 | 74.7 | 78.4 | 78.4 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 2.5 | 6 | 6.4 | 7.6 | 1.9 | 4.8 | 4.8 | 4.9 | 4.9 | 5.1 | 5 | |
Profit And Loss
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 40 | 65 | 74 | 91 | 58 | 84 | 84 | 86 | 86 | 90 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenditure ⓘ + | 4 | 3 | 3 | 4 | 24 | 13 | 10 | 7 | 4 | 4 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 36 | 61 | 71 | 87 | 34 | 71 | 74 | 79 | 83 | 86 |
| Taxes ⓘ | 0 | 2 | 4 | 4 | 12 | 15 | 16 | 17 | 18 | 15 |
| Profit After Tax | 36 | 59 | 67 | 83 | 22 | 56 | 58 | 62 | 64 | 70 |
| Adjusted EPS (₹) | 1.9 | 3.2 | 3.5 | 4.4 | 1.2 | 3.0 | 3.1 | 3.3 | 3.4 | 3.8 |
| Dividend Payout Ratio (%) | 64.60% | 39.50% | 35.30% | 14.60% | 47.60% | 18.60% | 17.90% | 16.70% | 37.90% | 34.70% |
Valuation of Cholamandalam Fin. - Standalone
Analyst's Notes
No data found!
Balance Sheet
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 969 | 1,020 | 1,064 | 1,118 | 1,141 | 1,187 | 1,236 | 1,288 | 1,351 | 1,400 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0 | -0 | -0 | 200 | 151 | 100 | 50 | 0 | 2 | 2 |
| Current Liabilities | 2 | 3 | 3 | 3 | 11 | 3 | 2 | 1 | 2 | 2 |
| Trade Payables | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| Other Liabilities | -0 | -0 | -0 | -1 | -1 | -1 | -1 | -0 | -0 | -0 |
| Total Liabilities ⓘ | 971 | 1,022 | 1,068 | 1,322 | 1,303 | 1,290 | 1,288 | 1,289 | 1,355 | 1,404 |
Assets | ||||||||||
| Non Current Asset + | 914 | 916 | 955 | 1,278 | 1,279 | 1,280 | 1,281 | 1,280 | 1,291 | 1,326 |
| Current Asset + | 57 | 107 | 113 | 43 | 24 | 10 | 8 | 9 | 65 | 79 |
| Total Assets ⓘ | 971 | 1,022 | 1,068 | 1,322 | 1,303 | 1,290 | 1,288 | 1,289 | 1,355 | 1,404 |
Cash Flow
(All Figures are in Crores.)| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -19 | 66 | -34 | -161 | 52 | 58 | 53 | 67 | 3 | 24 |
| Cash Flow From Investing Activity ⓘ | 0 | 0 | 0 | -0 | 0 | -0 | 0 | -0 | -0 | 0 |
| Cash Flow From Financing Activity ⓘ | -106 | -11 | -21 | 170 | -50 | -60 | -59 | -61 | -10 | -24 |
| Net Cash Flow ⓘ | -125 | 55 | -55 | 9 | 2 | -2 | -6 | 6 | -8 | -0 |
Financial Ratio
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 1.90 | 3.20 | 3.50 | 4.40 | 1.20 | 3 | 3.10 | 3.30 | 3.40 | 3.80 |
| DPS (₹) | 1.30 | 1.30 | 1.30 | 0.70 | 0.60 | 0.60 | 0.60 | 0.60 | 1.30 | 1.30 |
| BVPS (₹) | 51.7 | 54.4 | 56.7 | 59.6 | 60.8 | 63.3 | 65.8 | 68.6 | 72 | 74.5 |
Performance Ratios | ||||||||||
| ROA (%) | 1.4 | 6.0 | 6.4 | 7.0 | 1.7 | 4.3 | 4.5 | 4.8 | 4.9 | 5.1 |
| ROE (%) | 2.5 | 6.0 | 6.4 | 7.6 | 1.9 | 4.8 | 4.8 | 4.9 | 4.9 | 5.1 |
| ROCE (%) | 1.7 | 6.2 | 6.8 | 7.4 | 4.3 | 6.3 | 6.3 | 6.4 | 6.3 | 6.3 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 12.1 | 11.9 | 8.5 | 4.9 | 9.9 | 9.8 | 8.2 | 16.3 | 24.4 | 18.3 |
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 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-Jul-2026 16:59 is ₹1,518.2.
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-Jul-2026 the market cap of Cholamandalam Fin. stood at ₹28,508.4 Cr
The latest P/E ratio of Cholamandalam Fin. as of 23-Jul-2026 is 404.9.
The latest P/B ratio of Cholamandalam Fin. as of 23-Jul-2026 is 20.37.
The 52-week high of Cholamandalam Fin. is ₹2,061.5 and the 52-week low is ₹1,305.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Cholamandalam Fin. is ₹89.79 ( 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 Somewhat 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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