Cholamandalam Investment and Finance Co. Ltd. (IN:CHOLAFIN)
:CHOLAFIN
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CHOLAFIN Stock Chart & Stats
₹1780.55
₹11.55(0.91%)
At close: 4:00 PM EST
₹1780.55
₹11.55(0.91%)
Day’s Range― - ―
52-Week Range₹1,299.80 - ₹1,831.80
Previous CloseN/A
Volume1.34M
Average Volume (3M)79.81K
Market Cap
₹1.30T
Enterprise Value₹3.25T
Total Cash (Recent Filing)₹104.10B
Total Debt (Recent Filing)₹1.88T
Price to Earnings (P/E)17.5
Beta1.57
Next Earnings
Jul 24, 2026EPS Estimate
15.96Next Dividend Ex-DateN/A
Dividend Yield0.12%
Share Statistics
EPS (TTM)55.25
Shares Outstanding852,324,400
10 Day Avg. Volume47,308
30 Day Avg. Volume79,805
Financial Highlights & Ratios
PEG Ratio0.98
Price to Book (P/B)3.75
Price to Sales (P/S)3.63
P/FCF Ratio7.71
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)77.1
Revenue Forecast (FY)₹205.57B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained multi-year revenue growth reflects successful expansion of the loan book and distribution reach. A steady top-line uptrend lasting several years supports durable origination capacity, scale benefits, and the ability to absorb cyclical shocks while funding gradual product or geographic expansion.
Consistent ProfitabilityMid-teens net margins over multiple years indicate structural ability to generate stable lending spreads and control operating costs. Persistent profitability provides internal capital for growth, supports ROE generation, and creates a buffer for provisioning through credit cycles, enhancing long-term franchise resilience.
Diversified Retail Lending & DistributionA multi-product retail lending franchise and branch-led plus partner distribution reduce single-product concentration risk. Diverse products (vehicle finance, LAP, home loans, consumer credit) and channel mix support stable origination flows, cross-sell opportunities, and resilience to segment-specific shocks over time.
Bears Say
High LeverageA 6–7x debt-to-equity profile materially increases sensitivity to funding-cost changes and liquidity stress. High leverage amplifies losses in downturns, constrains flexibility for opportunistic investments, and makes the company more dependent on stable wholesale funding and investor confidence to sustain growth.
Volatile Cash GenerationSeveral years of negative operating and free cash flow before a 2026 reversal indicate inconsistent cash conversion from earnings. This variability raises questions about the sustainability of internally funded growth, increases reliance on external borrowing, and complicates reliable capital allocation over medium term.
Margin CompressionA multi-year decline in net margins signals structural pressure from higher funding costs, increased credit costs, or pricing competition. Reduced margins shrink the cushion for credit losses and limit incremental profitability from scale, making earnings more vulnerable if funding or asset-quality trends worsen.
Cholamandalam Investment and Finance Co. Ltd. News
CHOLAFIN FAQ
What was Cholamandalam Investment and Finance Co. Ltd.’s price range in the past 12 months?
Cholamandalam Investment and Finance Co. Ltd. lowest stock price was ₹1299.80 and its highest was ₹1831.80 in the past 12 months.
What is Cholamandalam Investment and Finance Co. Ltd.’s market cap?
Cholamandalam Investment and Finance Co. Ltd.’s market cap is ₹1.30T.
When is Cholamandalam Investment and Finance Co. Ltd.’s upcoming earnings report date?
Cholamandalam Investment and Finance Co. Ltd.’s upcoming earnings report date is Jul 24, 2026 which is in 65 days.
How were Cholamandalam Investment and Finance Co. Ltd.’s earnings last quarter?
Cholamandalam Investment and Finance Co. Ltd. released its earnings results on Apr 30, 2026. The company reported ₹19.2 earnings per share for the quarter, beating the consensus estimate of ₹16.652 by ₹2.548.
Is Cholamandalam Investment and Finance Co. Ltd. overvalued?
According to Wall Street analysts Cholamandalam Investment and Finance Co. Ltd.’s price is currently Overvalued.
Does Cholamandalam Investment and Finance Co. Ltd. pay dividends?
Cholamandalam Investment and Finance Co. Ltd. pays a Semiannually dividend of ₹0.7 which represents an annual dividend yield of 0.12%. See more information on Cholamandalam Investment and Finance Co. Ltd. dividends here
What is Cholamandalam Investment and Finance Co. Ltd.’s EPS estimate?
Cholamandalam Investment and Finance Co. Ltd.’s EPS estimate is 15.96.
How many shares outstanding does Cholamandalam Investment and Finance Co. Ltd. have?
Cholamandalam Investment and Finance Co. Ltd. has 852,324,400 shares outstanding.
What happened to Cholamandalam Investment and Finance Co. Ltd.’s price movement after its last earnings report?
Cholamandalam Investment and Finance Co. Ltd. reported an EPS of ₹19.2 in its last earnings report, beating expectations of ₹16.652. Following the earnings report the stock price went up 0.557%.
Which hedge fund is a major shareholder of Cholamandalam Investment and Finance Co. Ltd.?
Currently, no hedge funds are holding shares in IN:CHOLAFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Cholamandalam Investment and Finance Co. Ltd.
Cholamandalam Investment and Finance Company Limited, a non-banking finance company, provides various financial services in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other loans segments. It offers two and three wheeler loans, new and used commercial vehicle loans, tractor loans, car and multi utility vehicles loans, and construction equipment loans, as well as loans to automobile dealers; loans against properties; home loans; loans for the self-construction, purchase of resale and new flats, independent houses, and ready to occupy homes; balance transfer facility for existing home loans; mixed use for residential and commercial; shop loans; business loans for micro, small and medium enterprises; professional loans; personal loans; rural and agri-loans; and refinance against existing vehicles. The company also provides supply chain financing, term loans for capex, loan against shares, and funding on hypothecation of machinery for specific industries; wealth management services comprising mutual funds, fixed deposits and bonds, debentures, PMS, insurance, sovereign gold bonds, and initial public offers; other unsecured loans; and stock broking services for mutual funds, stocks and derivatives, exchange-traded funds, and bonds, as well as internet broking, demat, and depository participant services. In addition, it provides online payment gateway services for e-commerce businesses; e-commerce solutions; and Payswiff, an omni channel payment transaction solution. As of March 31, 2022, it operated through a network of 1,145 branches. The company was incorporated in 1978 and is headquartered in Chennai, India.
Cholamandalam Investment and Finance Co. Ltd. (CHOLAFIN) Earnings & Revenues
Technical Analysis
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