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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₹1,358.75 - ₹1,831.80
Previous CloseN/A
Volume1.34M
Average Volume (3M)79.81K
Market Cap
₹1.30T
Enterprise Value₹3.08T
Total Cash (Recent Filing)₹104.10B
Total Debt (Recent Filing)₹1.88T
Price to Earnings (P/E)27.8
Beta1.47
Next Earnings
Apr 30, 2026EPS Estimate
16.66Next Dividend Ex-DateN/A
Dividend Yield0.12%
Share Statistics
EPS (TTM)15.28
Shares Outstanding851,849,600
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)4.72
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 Target
₹2,000.00Price Target Upside12.32% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)60.33
Revenue Forecast (FY)₹168.68B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained ~22.8% revenue growth reflects durable demand for retail and vehicle finance and consistent new originations. Over 2-6 months this supports continued loan book expansion, scale benefits for margins and reinforces the company’s competitive position in retail lending markets.
Profitability And MarginsStrong gross, EBIT and net margins indicate efficient cost management and profitable underwriting in secured retail lending. Margin durability suggests the business can absorb moderate funding cost shifts while maintaining core profitability, supporting long-term cash generation when operating conditions are stable.
Capital BaseA growing, well-capitalized equity base provides regulatory buffer and absorption capacity for credit losses, enabling continued lending and access to funding. This capital strength supports market confidence and underpins durable ability to scale originations without immediate need for dilutive equity.
Bears Say
High LeverageRelatively high leverage raises long-term sensitivity to interest-rate moves and refinancing cycles. Elevated debt levels constrain financial flexibility, increase funding cost exposure and amplify balance-sheet stress during credit downturns, potentially limiting growth or forcing higher provisioning.
Negative Free Cash FlowPersistent negative free cash flow implies reliance on external financing to fund loan growth and operations. Over months this structural cash gap increases refinancing and liquidity risk, potentially raising funding costs and constraining ability to deploy capital if wholesale markets tighten.
Funding & Credit SensitivityBusiness economics depend on lending spreads and asset quality; adverse rate moves or deterioration in credit performance can compress margins and raise provisions. As an NBFC reliant on borrowed funds, structural exposure to funding mix and credit cycles creates persistent earnings volatility risk.
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 ₹1358.75 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 Apr 30, 2026 which is in 42 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 ₹15.275 earnings per share for the quarter, missing the consensus estimate of ₹15.388 by -₹0.113.
Is Cholamandalam Investment and Finance Co. Ltd. overvalued?
According to Wall Street analysts Cholamandalam Investment and Finance Co. Ltd.’s price is currently Undervalued.
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 16.66.
How many shares outstanding does Cholamandalam Investment and Finance Co. Ltd. have?
Cholamandalam Investment and Finance Co. Ltd. has 851,849,600 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 ₹15.275 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
CHOLAFIN Stock 12 Month Forecast
Average Price Target
₹2,000.00
▲(12.32% Upside)
Technical Analysis
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