Cholamandalam Financial Holdings Ltd - Stock Valuation and Financial Performance

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

Cholamandalam Fin. Share Price

1,626.05 -49.60 -2.96%
as on 11-Nov'24 09:46

DeciZen - make an informed investing decision on Cholamandalam Fin.

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Cholamandalam Financial Holdings stock performance -

mw4me loader
P/E Ratio (SA):
502.07
Market Cap:
31,464.9 Cr.
52-wk low:
960.2
52-wk high:
2,151.5

Is Cholamandalam Financial Holdings Ltd an attractive stock to invest in?

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 Overvalued 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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)3,7834,09829340.164.773.590.958.183.583.876
YoY Gr. Rt. %-8.3%-92.9%-86.3%61.3%13.7%23.7%-36.1%43.9%0.3%-
Adj EPS (₹ ) 56.536.21.93.23.54.41.233.13.3
YoY Gr. Rt. %-28.4%460.1%-94.6%63.4%11.7%25.4%-73.9%155.2%4.1%-
BVPS (₹ )66.370.6103.551.754.456.759.660.863.365.869.3
YoY Gr. Rt. %-6.5%46.7%-50.1%5.3%4.3%5.1%2%4.1%4.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.93.517.51.466.471.74.34.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-34.5%5.3%-2.7%0.3%
Adj EPS-5.3%-0.6%-11.5%4.1%
BVPS-0.1%3.9%3.4%4.1%
Share Price 16.6% 28.1% 32.3% 42.4%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Margins
Net Profit Margin (%)2.53231.490.691.990.591.737.466.569.182.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)7.89.441.62.566.47.61.94.84.84.8

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 4.90%

Total income growth is good in last 4 quarters

Total Income has declined 5.73 CAGR in last 3 years

Net Profit has declined -11.48 CAGR in last 3 years

Latest Financials - Cholamandalam Financial Holdings Ltd.

Standalone Consolidated
TTM EPS (₹) 3.3 109.4
TTM Sales (₹ Cr.) 76.1 24,236
BVPS (₹.) 69.3 605
Reserves (₹ Cr.) 1,283 11,342
P/BV 24.16 2.77
PE 502.07 15.32
From the Market
52 Week Low / High (₹) 960.20 / 2151.45
All Time Low / High (₹) 2.50 / 2151.45
Market Cap (₹ Cr.) 31,465
Equity (₹ Cr.) 18.8
Face Value (₹) 1
Industry PE 49.8

Management X-Ray of Cholamandalam Fin.:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.170.170.170.030.030.020.020.020.020.01
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Cholamandalam Fin.

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income4,1352934065749158848486
Interest Income4,0982934065749158848486
Other Income 37000000000
Expenditure 4,01427243342413107
Interest Expense 14020001221074
Operating Expenses 3,86826412222333
Provisions 6631100000
Exceptional Items 3482100000000
Profit Before Tax 1558423661718734717479
Taxes 34164024412151617
Profit After Tax 1216783659678322565862
Adjusted EPS (₹)6.536.21.93.23.54.41.23.03.13.3
Dividend Payout Ratio (%)31%14%65%39%35%15%48%19%18%17%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital1,3211,9399691,0201,0641,1181,1411,1871,2361,288
Share Capital 37371919191919191919
Reserves 1,2831,9029501,0011,0451,1001,1221,1681,2181,269
Minority Interest0000000000
Long Term Borrowings838417000200151100500
Current Liabilities 1,4051,822233311321
Trade Payables62561200011111
Short term borrowings34026600000000
Other Liabilities-965-878000-1-1-1-1-1
Total Liabilities 3,5634,1789711,0221,0681,3221,3031,2901,2881,289

Assets

Non Current Asset 2,5252,4019149169551,2781,2791,2801,2811,280
Loan Asset 0000000000
Other Non Current Asset 2,5252,4019149169551,2781,2791,2801,2811,280
Current Asset 1,0381,7775710711343241089
Current Investment00024100000
Other Current Asset1,0381,777578311243241089
Total Assets 3,5634,1789711,0221,0681,3221,3031,2901,2881,289

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 167135-1966-34-16152585367
Cash Flow From Investing Activity -5479400000000
Cash Flow From Financing Activity -117-220-106-11-21170-50-60-59-61
Net Cash Flow -4709-12555-5592-2-66
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)63623441333
DPS (₹)2511111111
BVPS (₹)711045254576061636669

Performance Ratios

ROA (%)3.517.51.46.06.47.01.74.34.54.8
ROE (%)9.441.62.56.06.47.61.94.84.84.9
ROCE (%)11.127.91.76.26.87.44.36.36.36.4

Valuation Parameters

Price/Book(x)5.23.712.111.98.54.99.99.88.216.3

Cholamandalam Financial Holdings Ltd Stock 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 11-Nov-2024 09:46 is ₹1,626.1.
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 11-Nov-2024 09:46 the market cap of Cholamandalam Fin. stood at ₹31,464.9.
The latest P/E ratio of Cholamandalam Fin. as of 11-Nov-2024 09:46 is 502.1.
The latest P/B ratio of Cholamandalam Fin. as of 11-Nov-2024 09:46 is 24.16.
The 52-week high of Cholamandalam Fin. is ₹2,151.5 and the 52-week low is ₹960.2.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Cholamandalam Fin. is ₹76.11 ( 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.

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