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

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 Q4 2025 was ₹0.53. For the 2025 fiscal year, IN:CHOLAFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.24. See a summary of the company’s cash flow.
Ratios
TTM
Mar 25Mar 24Mar 23Mar 22
Liquidity Ratios
Current Ratio
6.96 0.00 6.96 21.48 15.95
Quick Ratio
-17.42 0.00 -17.42 -9.57 -39.63
Cash Ratio
22.95 0.00 22.95 30.73 47.87
Solvency Ratio
0.06 0.03 0.06 0.07 0.06
Operating Cash Flow Ratio
-206.89 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
₹ -983.69B₹ -1.33T₹ -983.69B₹ -680.11B₹ -635.64B
Leverage Ratios
Debt-to-Assets Ratio
0.86 0.86 0.86 0.84 0.86
Debt-to-Equity Ratio
6.79 6.86 6.79 5.89 6.65
Debt-to-Capital Ratio
0.87 0.87 0.87 0.85 0.87
Long-Term Debt-to-Capital Ratio
0.81 0.00 0.81 0.00 0.00
Financial Leverage Ratio
7.92 8.00 7.92 7.01 7.78
Debt Service Coverage Ratio
-0.16 0.39 -0.16 -0.03 -0.02
Interest Coverage Ratio
0.63 0.50 0.63 0.68 0.45
Debt to Market Cap
1.01 0.00 1.01 0.42 0.52
Interest Debt Per Share
1.25K 1.73K 1.25K 896.47 834.27
Net Debt to EBITDA
0.00 27.48 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
98.27%52.47%98.27%97.99%97.90%
EBIT Margin
-1.65%23.76%-1.65%-1.72%-2.04%
EBITDA Margin
0.00%24.78%0.00%0.00%0.00%
Operating Profit Margin
49.14%23.76%49.14%49.47%40.72%
Pretax Profit Margin
48.97%23.76%48.97%49.58%40.79%
Net Profit Margin
36.22%17.61%36.22%36.72%30.29%
Continuous Operations Profit Margin
36.22%17.61%36.22%36.72%30.29%
Net Income Per EBT
73.97%74.11%73.97%74.06%74.26%
EBT Per EBIT
99.65%100.00%99.65%100.23%100.16%
Return on Assets (ROA)
2.35%2.18%2.35%2.61%2.04%
Return on Equity (ROE)
18.58%17.46%18.58%18.30%15.84%
Return on Capital Employed (ROCE)
3.19%2.95%3.19%3.52%2.74%
Return on Invested Capital (ROIC)
214.98%2.08%214.98%7.71%5.92%
Return on Tangible Assets
2.35%2.18%2.35%2.61%2.04%
Earnings Yield
4.26%3.47%4.26%3.65%3.32%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.74 31.22 0.74 0.92 1.07
Inventory Turnover
0.04 0.00 0.04 0.03 0.02
Fixed Asset Turnover
17.93 12.56 17.93 22.11 24.11
Asset Turnover
0.06 0.12 0.06 0.07 0.07
Working Capital Turnover Ratio
4.39 7.51 4.39 2.96 2.09
Cash Conversion Cycle
8.65K -11.69 8.65K 11.70K 17.56K
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
9.14K 0.00 9.14K 12.09K 17.90K
Days of Payables Outstanding
490.97 11.69 490.97 395.43 342.07
Operating Cycle
9.14K 0.00 9.14K 12.09K 17.90K
Cash Flow Ratios
Operating Cash Flow Per Share
-329.77 -429.54 -329.77 -67.89 -107.87
Free Cash Flow Per Share
-331.92 -442.50 -331.92 -69.06 -108.27
CapEx Per Share
2.15 12.96 2.15 1.17 0.40
Free Cash Flow to Operating Cash Flow
1.01 1.03 1.01 1.02 1.00
Dividend Paid and CapEx Coverage Ratio
-79.48 -28.71 -79.48 -21.42 -63.41
Capital Expenditure Coverage Ratio
-153.36 -33.16 -153.36 -58.09 -268.83
Operating Cash Flow Coverage Ratio
-0.28 -0.27 -0.28 -0.08 -0.14
Operating Cash Flow to Sales Ratio
-3.68 -1.84 -3.68 -0.95 -1.76
Free Cash Flow Yield
-43.60%-37.33%-43.60%-9.61%-19.38%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
23.48 28.79 23.48 27.38 30.12
Price-to-Sales (P/S) Ratio
8.50 5.07 8.50 10.05 9.12
Price-to-Book (P/B) Ratio
4.36 5.03 4.36 5.01 4.77
Price-to-Free Cash Flow (P/FCF) Ratio
-2.29 -2.68 -2.29 -10.40 -5.16
Price-to-Operating Cash Flow Ratio
-2.31 -2.76 -2.31 -10.58 -5.18
Price-to-Earnings Growth (PEG) Ratio
1.00 1.07 1.00 0.66 0.78
Price-to-Fair Value
4.36 5.03 4.36 5.01 4.77
Enterprise Value Multiple
0.00 47.94 0.00 0.00 0.00
Enterprise Value
1.57T 2.31T 1.57T 1.24T 1.05T
EV to EBITDA
0.00 47.94 0.00 0.00 0.00
EV to Sales
21.33 11.88 21.33 21.21 20.95
EV to Free Cash Flow
-5.75 -6.28 -5.75 -21.95 -11.85
EV to Operating Cash Flow
-5.79 -6.47 -5.79 -22.32 -11.90
Tangible Book Value Per Share
166.28 235.42 166.28 134.82 107.35
Shareholders’ Equity Per Share
174.54 235.86 174.54 143.42 117.12
Tax and Other Ratios
Effective Tax Rate
0.26 0.26 0.26 0.26 0.26
Revenue Per Share
89.51 233.77 89.51 71.46 61.25
Net Income Per Share
32.42 41.17 32.42 26.24 18.55
Tax Burden
0.74 0.74 0.74 0.74 0.74
Interest Burden
-29.75 1.00 -29.75 -28.89 -20.02
Research & Development to Revenue
<0.01 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
0.02 <0.01 0.02 0.02 <0.01
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
-7.50 -10.43 -7.50 -1.92 -4.32
Currency in INR
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