Cholamandalam Investment and Finance Co. Ltd. (IN:CHOLAFIN)
:CHOLAFIN
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
₹1.32T
Enterprise Value₹3.10T
Total Cash (Recent Filing)₹104.10B
Total Debt (Recent Filing)₹1.88T
Price to Earnings (P/E)27.8
Beta1.46
Next Earnings
Apr 30, 2026EPS Estimate
16.64Next Dividend Ex-DateN/A
Dividend Yield0.12%
Share Statistics
EPS (TTM)15.30
Shares Outstanding852,037,200
10 Day Avg. Volume47,308
30 Day Avg. Volume79,805
Financial Highlights & Ratios
PEG Ratio1.25
Price to Book (P/B)5.21
Price to Sales (P/S)4.77
P/FCF Ratio-3.78
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)76.61
Revenue Forecast (FY)₹204.23B
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthConsistent ~22.8% revenue growth indicates sustained loan origination and market penetration across segments. Multi-year top-line expansion supports scale economics and underwriting capacity, strengthening durable earnings potential if credit performance remains controlled.
Robust Profitability & MarginsHealthy gross, net, EBIT and EBITDA margins reflect efficient cost structure and disciplined pricing in lending operations. Persistent operating profitability provides cushion for credit volatility, funds reinvestment in distribution, and underpins sustainable return on equity over the medium term.
Strong Capitalization & Funding AccessA significant equity base and a well-capitalized balance sheet, combined with documented access to capital markets, give funding flexibility. This reduces solvency risk, supports loan book growth, and mitigates refinancing stress during tighter market conditions.
Bears Say
Elevated LeverageRelatively high debt-to-equity increases financial leverage typical for NBFCs, amplifying earnings volatility and refinancing exposure. Elevated leverage constrains balance-sheet flexibility and raises vulnerability to interest-rate rises or asset-quality deterioration over economic cycles.
Negative Free Cash FlowPersistent negative free cash flow and weak operating cash-to-net-income metrics signal the company consumes cash to sustain growth. Ongoing FCF deficits increase dependence on external funding, elevating liquidity and refinancing risk during credit contractions or tighter market conditions.
Concentration In Vehicle & Retail LendingHigh exposure to vehicle finance and retail secured lending concentrates credit risk in cyclical consumption and vehicle markets. Downturns in consumer demand, used-vehicle prices, or micro/small-business stress could materially affect asset quality despite secured structures.
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 ₹1.32T.
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 Apr 30, 2026 which is in 21 days.
How were Cholamandalam Investment and Finance Co. Ltd.’s earnings last quarter?
Cholamandalam Investment and Finance Co. Ltd. released its earnings results on Jan 30, 2026. The company reported ₹15.3 earnings per share for the quarter, missing the consensus estimate of ₹15.388 by -₹0.088.
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 16.64.
How many shares outstanding does Cholamandalam Investment and Finance Co. Ltd. have?
Cholamandalam Investment and Finance Co. Ltd. has 852,037,200 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 ₹15.3 in its last earnings report, missing expectations of ₹15.388. Following the earnings report the stock price went down -1.124%.
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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