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Cholamandalam Investment and Finance Co. Ltd. (IN:CHOLAFIN)
:CHOLAFIN
India Market
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Cholamandalam Investment and Finance Co. Ltd. (CHOLAFIN) Ratios

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Cholamandalam Investment and Finance Co. Ltd. Ratios

IN:CHOLAFIN's free cash flow for Q1 2026 was ₹0.53. For the 2026 fiscal year, IN:CHOLAFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.21. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.00 6.96 21.48 15.95
Quick Ratio
0.00 0.00 -17.42 -9.57 -39.63
Cash Ratio
81.22 0.00 22.95 30.73 47.87
Solvency Ratio
0.03 0.03 0.06 0.07 0.06
Operating Cash Flow Ratio
0.00 0.00 -206.89 -44.34 -95.27
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 -0.22 -0.37
Net Current Asset Value
₹ -1.91T₹ -1.33T₹ -983.69B₹ -680.11B₹ -635.64B
Leverage Ratios
Debt-to-Assets Ratio
0.87 0.86 0.86 0.84 0.86
Debt-to-Equity Ratio
7.23 6.86 6.79 5.89 6.65
Debt-to-Capital Ratio
0.88 0.87 0.87 0.85 0.87
Long-Term Debt-to-Capital Ratio
0.88 0.00 0.81 0.00 0.00
Financial Leverage Ratio
8.35 8.00 7.92 7.01 7.78
Debt Service Coverage Ratio
0.57 0.39 -0.16 -0.03 -0.02
Interest Coverage Ratio
0.71 0.50 0.63 0.68 0.45
Debt to Market Cap
1.31 0.00 1.01 0.42 0.52
Interest Debt Per Share
2.35K 1.73K 1.25K 896.47 834.27
Net Debt to EBITDA
23.89 27.48 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
52.67%52.47%98.27%97.99%97.90%
EBIT Margin
24.73%23.76%-1.65%-1.72%-2.04%
EBITDA Margin
25.64%24.78%0.00%0.00%0.00%
Operating Profit Margin
24.73%23.76%49.14%49.47%40.72%
Pretax Profit Margin
21.64%23.76%48.97%49.58%40.79%
Net Profit Margin
16.05%17.61%36.22%36.72%30.29%
Continuous Operations Profit Margin
16.05%17.61%36.22%36.72%30.29%
Net Income Per EBT
74.18%74.11%73.97%74.06%74.26%
EBT Per EBIT
87.48%100.00%99.65%100.23%100.16%
Return on Assets (ROA)
2.14%2.18%2.35%2.61%2.04%
Return on Equity (ROE)
19.62%17.46%18.58%18.30%15.84%
Return on Capital Employed (ROCE)
3.30%2.95%3.19%3.52%2.74%
Return on Invested Capital (ROIC)
-4143.11%2.08%214.98%7.71%5.92%
Return on Tangible Assets
2.14%2.18%2.35%2.61%2.04%
Earnings Yield
3.25%3.47%4.26%3.65%3.32%
Efficiency Ratios
Receivables Turnover
71.06 0.00 0.00 0.00 0.00
Payables Turnover
0.00 31.22 0.74 0.92 1.07
Inventory Turnover
0.00 0.00 0.04 0.03 0.02
Fixed Asset Turnover
15.37 12.56 17.93 22.11 24.11
Asset Turnover
0.13 0.12 0.06 0.07 0.07
Working Capital Turnover Ratio
-451.63 7.51 4.39 2.96 2.09
Cash Conversion Cycle
5.14 -11.69 8.65K 11.70K 17.56K
Days of Sales Outstanding
5.14 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 9.14K 12.09K 17.90K
Days of Payables Outstanding
0.00 11.69 490.97 395.43 342.07
Operating Cycle
5.14 0.00 9.14K 12.09K 17.90K
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -429.54 -329.77 -67.89 -107.87
Free Cash Flow Per Share
0.00 -442.50 -331.92 -69.06 -108.27
CapEx Per Share
0.00 12.96 2.15 1.17 0.40
Free Cash Flow to Operating Cash Flow
0.00 1.03 1.01 1.02 1.00
Dividend Paid and CapEx Coverage Ratio
0.00 -28.71 -79.48 -21.42 -63.41
Capital Expenditure Coverage Ratio
0.00 -33.16 -153.36 -58.09 -268.83
Operating Cash Flow Coverage Ratio
0.00 -0.27 -0.28 -0.08 -0.14
Operating Cash Flow to Sales Ratio
0.00 -1.84 -3.68 -0.95 -1.76
Free Cash Flow Yield
0.00%-37.33%-43.60%-9.61%-19.38%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
30.79 28.79 23.48 27.38 30.12
Price-to-Sales (P/S) Ratio
4.94 5.07 8.50 10.05 9.12
Price-to-Book (P/B) Ratio
5.51 5.03 4.36 5.01 4.77
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -2.68 -2.29 -10.40 -5.16
Price-to-Operating Cash Flow Ratio
0.00 -2.76 -2.31 -10.58 -5.18
Price-to-Earnings Growth (PEG) Ratio
7.22 1.07 1.00 0.66 0.78
Price-to-Fair Value
5.51 5.03 4.36 5.01 4.77
Enterprise Value Multiple
43.17 47.94 0.00 0.00 0.00
Enterprise Value
3.20T 2.31T 1.57T 1.24T 1.05T
EV to EBITDA
43.17 47.94 0.00 0.00 0.00
EV to Sales
11.07 11.88 21.33 21.21 20.95
EV to Free Cash Flow
0.00 -6.28 -5.75 -21.95 -11.85
EV to Operating Cash Flow
0.00 -6.47 -5.79 -22.32 -11.90
Tangible Book Value Per Share
308.32 235.42 166.28 134.82 107.35
Shareholders’ Equity Per Share
308.32 235.86 174.54 143.42 117.12
Tax and Other Ratios
Effective Tax Rate
0.26 0.26 0.26 0.26 0.26
Revenue Per Share
343.95 233.77 89.51 71.46 61.25
Net Income Per Share
55.21 41.17 32.42 26.24 18.55
Tax Burden
0.74 0.74 0.74 0.74 0.74
Interest Burden
0.87 1.00 -29.75 -28.89 -20.02
Research & Development to Revenue
0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.03 <0.01 0.02 0.02 <0.01
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Income Quality
0.00 -10.43 -7.50 -1.92 -4.32
Currency in INR
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