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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

₹1,401.90 -31.20 (-2.18%)

As on 25-Sep'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

₹1,401.90 -31.20 (-2.18%)

As on 25-Sep'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹26,910 Cr.
Current Price
₹1,401.9
52-Week Low / High
₹1,305 / 2,061
TTM EPS
₹142.1
Book Value per Share
₹910.4
P/E Ratio
10.08
Lower than its 5-year historical median
Industry PE
54.8
Price to Book (P/B)
1.57
Lower than its 5-year historical median
EV/EBITDA
9.67
Lower than its 5-year historical median
Dividend Yield
0.09%
Profitability Efficiency
Return on Equity (ROE)
39.52%
Outperforms industry median
Return on Capital Employed (ROCE)
10.52%
Outperforms industry median
Return on Assets (ROA)
2.23%
Outperforms industry median
Growth Momentum
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
₹34,147 Cr.
Reserves
₹17,076 Cr.
Equity
₹18.8 Cr.
Face Value
₹1
All Time Low / High
₹2.50 / 2299.00

Cholamandalam Financial Holdings stock performance

Key Ratios
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Quality

Somewhat Good
Check detailed performance

Valuation

Somewhat Overvalued

Check Valuation charts

Price Trend

Weak
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Q.1 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.

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We have analysed the performance of the company on the following:

  • 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.

  • 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.

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How does Cholamandalam Financial Holdings Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Cholamandalam Financial Holdings Ltd vs Industry Peers?
Cholamandalam Financial Holdings Ltd AUM CAGR is 24.97%, compared to the 5-year industry median CAGR of 9.58%, indicating faster growth and gaining its market share.
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Q.1 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.
Q.1 Stock return of Cholamandalam Financial Holdings Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 9.2% based on the current price.
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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 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'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)40.164.773.590.958.183.583.88686.289.881
YoY Gr. Rt. %-61.3%13.7%23.7%-36.1%43.9%0.3%2.7%0.2%4.2%-
Adj EPS (₹ ) 1.93.23.54.41.233.13.33.43.83.9
YoY Gr. Rt. %-63.4%11.7%25.4%-73.9%155.2%4.1%6.8%4.3%9.3%-
BVPS (₹ )51.754.456.759.660.863.365.868.67274.574.8
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 (%)1.466.471.74.34.54.84.95.10

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income9.4%9.1%2.3%4.2%
Adj EPS7.6%26.5%6.8%9.3%
BVPS4.2%4.2%4.2%3.6%
Share Price 9% 15.1% 6.2% -25%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Margins
Net Profit Margin (%)90.691.990.591.737.466.569.171.874.778.490.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)2.566.47.61.94.84.84.94.95.15.2

Valuation of Cholamandalam Fin. - Consolidated

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.020.020.010.020.020.020.020.020.020.02
* Pledged shares as % of Promoter's holding (%)

Financials

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 2,6898,91110,94813,18713,96514,82718,39026,10933,51939,576
Interest Income2,6888,90910,92613,18513,90414,64418,14625,80433,12539,073
Other Income ⓘ 1,7282,4252,7663,8873,9463,3873,8545,3706,9829,053
Exceptional Items ⓘ 1222161183244305394503
Expenditure ⓘ + 2,3947,2168,81311,38111,56511,78314,56620,90927,11932,250
Interest Expense ⓘ 02,6553,5874,5924,6084,3285,7789,24912,49414,388
Operating Expenses ⓘ 6662,1372,4602,9023,0114,0684,9346,2897,6438,809
Provisions 1,7282,4252,7663,8873,9463,3873,8545,3706,9829,053
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 2951,6952,1351,8062,4003,0443,8245,2006,4007,326
Taxes ⓘ 895697216426368011,0061,3611,6661,848
Profit After Tax 2051,1261,4141,1641,7642,2422,8183,8384,7345,478
Adjusted EPS (₹)24.229.337.129.443.954.568.794.4115.7130.0
Dividend Payout Ratio (%)5.20%4.30%3.40%2.20%1.30%1%0.80%0.60%1.10%1%
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +2,7643,3103,9434,5905,3866,4467,66110,24112,51415,447
Share Capital ⓘ 18.7518.7518.7718.7718.7718.7718.7818.7818.7818.78
Reserves ⓘ 2,7453,2913,9254,5725,3676,4277,64210,22212,49615,428
Short term borrowings09,63711,2909,50311,91610,33622,28947,49557,20077,574
Long Term Borrowings2,15630,66541,58248,55055,04762,60679,8121,00,9361,33,0031,45,113
Current Liabilities 2,46515,71417,88316,91521,23620,66834,06653,03363,73588,127
Trade Payables2231,0308567031,2331,4962,049499666339
Other Liabilities-223-10,667-12,146-10,206-13,149-11,832-24,338-47,993-57,865-77,907
Total Liabilities ⓘ 7,82352,96867,32975,16887,64296,9021,30,1361,76,0932,23,6872,67,120

Assets

Non Current Asset +6,41548,95061,51866,16679,46389,3831,24,8011,68,9972,09,0102,46,278
Loan Asset 042,24452,61155,39665,83974,1451,04,8101,44,4631,82,0382,17,744
Other Non Current Asset ⓘ 6,4156,7068,90710,77013,62415,23919,99224,53426,97328,535
Current Asset +1,4074,0185,8129,0028,1797,5195,3357,09614,67720,841
Current Investment436244738614292872,3635,3555,241
Other Current Asset9713,7745,7398,9168,0387,4275,2484,7339,32215,600
Total Assets ⓘ 7,82352,96867,32975,16887,64296,9021,30,1361,76,0932,23,6872,67,120
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ 594-6,302-9,274-1,914-9,719-5,738-29,329-35,726-34,201-30,033
Cash Flow From Investing Activity ⓘ -653-1,825-93-96-62-135295-2,625-1,038-2,528
Cash Flow From Financing Activity ⓘ -698,28712,1712,4277,6887,07327,28838,26939,65235,650
Net Cash Flow ⓘ -1281602,803417-2,0931,199-1,746-824,4133,089
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)24.2029.3037.1029.4043.9054.5068.7094.40115.70130
DPS (₹)1.301.301.300.700.600.600.600.601.301.30
BVPS (₹)147.4176209.1243285.2340.6403.6541.7661815.1

Performance Ratios

ROA (%)2.43.72.41.62.22.42.52.52.42.2
ROE (%)6.737.139.127.435.638.240.343.341.939.5
ROCE (%)7.819.711.911.210.910.210.611.611.410.5

Valuation Parameters

Price/Book(x)4.33.72.31.22.11.81.32.12.71.7

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Cholamandalam Financial Holdings Ltd FAQs

The current trading price of Cholamandalam Fin. on 25-Sep-2026 16:59 is ₹1,401.9.

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 24-Sep-2026 the market cap of Cholamandalam Fin. stood at ₹26,910.4 Cr

The latest P/E ratio of Cholamandalam Fin. as of 24-Sep-2026 is 370.3.

The latest P/B ratio of Cholamandalam Fin. as of 24-Sep-2026 is 19.17.

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 ₹80.50 ( 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 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.

About Cholamandalam Financial Holdings Ltd

Cholamandalam Financial Holdings (CFHL) 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 (RBI) 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. 

The company undertakes financial services business through its Subsidiaries - Cholamandalam MS General Insurance Company for general insurance business and Cholamandalam Investment and Finance Company and its subsidiaries for lending and wealth management operations. Risk advisory services are carried out through a joint venture entity Cholamandalam MS Risk Services.

  • Cholamandalam Investment and Finance Company (CIFCL), a non-banking finance company engaged in lending business, offers vehicle finance, home loans, loan against property, SME loans, secured business and personal loans, consumer & small enterprises loans, consumer durable loans, gold loans and a variety of other financial services to customers.
  • Cholamandalam MS General Insurance Company (CMSGICL), engaged in general insurance business, offers a wide range of insurance products that include Motor, Health, Property, Accident, Engineering, Liability, Marine, Travel and Crop insurance for individuals and corporates.
  • Cholamandalam MS Risk Services (CMSRSL) offers comprehensive Risk Management and Engineering solutions.

Business area of the company 

The company is a non-deposit taking Systemically Important Core Investment Company registered with RBI and falls under the category of Middle Layer NBFC under the Scale Based Regulations of RBI. Following a demerger, the company focusses on its investment portfolio, maintaining substantial stake in group companies. Its strategic mandate is to focus on financial and risk management services by offering products and services that meet customer needs.


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