Cholamandalam Investment and Finance Co. Ltd. (IN:CHOLAFIN)
:CHOLAFIN
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Cholamandalam Investment and Finance Co. Ltd.
(CHOLAFIN)
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Rating:73Outperform
Price Target:
₹1,554.00
▼(-12.72% Downside)
Action:UpgradedDate:10/23/25
Cholamandalam Investment and Finance Co. Ltd. has a robust financial performance with strong revenue growth and profitability, though leverage and cash flow issues are concerns. Technical indicators show positive momentum, but valuation metrics suggest the stock might be overvalued. The absence of earnings call and corporate events data limits further insights.
Positive Factors
Revenue & Margin Durability
Sustained revenue growth combined with robust gross and net margins and healthy EBIT/EBITDA shows the business earns reliable spread income. This supports long-term internal earnings generation, funds incremental loan growth, and provides resilience across credit cycles over the next 2–6 months and beyond.
Negative Factors
High Leverage
Relatively high leverage increases vulnerability to rising funding costs and amplifies earnings volatility during credit stress. It constrains flexibility to expand lending without additional capital and raises refinancing and regulatory risk if market conditions tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Durability
Sustained revenue growth combined with robust gross and net margins and healthy EBIT/EBITDA shows the business earns reliable spread income. This supports long-term internal earnings generation, funds incremental loan growth, and provides resilience across credit cycles over the next 2–6 months and beyond.
Read all positive factors
Cholamandalam Investment and Finance Co. Ltd. (CHOLAFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.32T
Dividend Yield0.12%
Average Volume (3M)79.81K
Price to Earnings (P/E)27.8
Beta (1Y)1.46
Revenue Growth27.30%
EPS Growth20.42%
CountryIN
Employees38,235
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
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
Cholamandalam Investment and Finance Co. Ltd. Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
CHOLAFIN makes money primarily by lending and earning a spread between the yield on its loan portfolio and its own cost of funds. Key revenue streams include: (1) Interest income from customer loans, including equated monthly instalment (EMI)-base...
Cholamandalam Investment and Finance Co. Ltd. Financial Statement Overview
Summary
Income Statement
88
Very Positive
Balance Sheet
75
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 286.74B | 258.87B | 191.52B | 128.79B | 101.43B | 95.81B |
| Gross Profit | 149.97B | 134.11B | 99.39B | 71.45B | 58.64B | 50.21B |
| EBITDA | 74.17B | 59.86B | 48.03B | 37.36B | 30.08B | 21.50B |
| Net Income | 46.45B | 42.63B | 34.20B | 26.65B | 21.54B | 15.21B |
Balance Sheet | ||||||
| Total Assets | 2.17T | 2.02T | 1.57T | 1.14T | 824.79B | 746.44B |
| Cash, Cash Equivalents and Short-Term Investments | 104.10B | 95.01B | 43.94B | 9.12B | 26.99B | 44.43B |
| Total Debt | 1.88T | 1.75T | 1.34T | 973.58B | 692.84B | 638.23B |
| Total Liabilities | 1.91T | 1.78T | 1.37T | 992.81B | 707.10B | 650.44B |
| Stockholders Equity | 259.42B | 236.69B | 195.93B | 143.46B | 117.69B | 96.00B |
Cash Flow | ||||||
| Free Cash Flow | -104.75B | -326.13B | -367.59B | -272.82B | -56.67B | -88.75B |
| Operating Cash Flow | -103.19B | -324.13B | -356.83B | -271.05B | -55.71B | -88.42B |
| Investing Cash Flow | -13.41B | -29.48B | -28.55B | -21.48B | 16.40B | -17.46B |
| Financing Cash Flow | 121.01B | 397.95B | 384.71B | 274.66B | 51.50B | 87.07B |
Cholamandalam Investment and Finance Co. Ltd. Technical Analysis
Neutral
1780.55
Price Trends
1604.73
Negative
1655.01
Negative
1610.71
Negative
Market Momentum
-56.12
Negative
54.59
Neutral
70.42
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CHOLAFIN, the sentiment is Neutral. The current price of 1780.55 is above the 20-day moving average (MA) of 1470.41, above the 50-day MA of 1604.73, and above the 200-day MA of 1610.71, indicating a neutral trend. The MACD of -56.12 indicates Negative momentum. The RSI at 54.59 is Neutral, neither overbought nor oversold. The STOCH value of 70.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CHOLAFIN.
Cholamandalam Investment and Finance Co. Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹1.32T | 27.83 | ― | 0.12% | 27.30% | 20.42% | |
70 Outperform | ₹1.93T | 18.52 | ― | 1.08% | 21.24% | 22.61% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.41T | 13.64 | ― | 0.68% | 41.32% | 56.12% | |
62 Neutral | ₹690.08B | 26.76 | ― | 0.91% | 15.90% | 4.53% | |
62 Neutral | ₹544.28B | 26.89 | ― | 0.71% | 15.31% | 25.88% | |
49 Neutral | ₹228.11B | 27.09 | ― | 0.80% | -3.68% | -80.12% |
* Financial Sector Average
IN:CHOLAFIN
Cholamandalam Investment and Finance Co. Ltd.
1,553.95
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8.73%
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Cholamandalam Investment and Finance Co. Ltd. Corporate Events
Cholamandalam Sets April 30 Board Meet to Approve FY26 Results, Closes Trading Window
Apr 6, 2026
Cholamandalam Investment and Finance Company Limited has scheduled a meeting of its Board of Directors on April 30, 2026, to consider and approve the audited standalone and consolidated financial results for the quarter and full year ended March 3...
Cholamandalam Denies Report of Executive Chairman Vellayan Subbiah’s Exit
Feb 26, 2026
Cholamandalam Investment and Finance Company Limited has clarified that recent media reports suggesting Executive Chairman Vellayan Subbiah will exit the company as part of a Murugappa family settlement are false. The company asserts that the spec...
Cholamandalam Raises ₹1,000 Crore via 7-Year Unsecured Subordinated Securities on NSE
Feb 23, 2026
Cholamandalam Investment and Finance Company has privately placed unsecured subordinated non-convertible securities worth ₹1,000 crore, including a ₹500 crore green shoe option, in the Wholesale Debt Market segment of the National Stoc...
Cholamandalam Investment Publishes Postal Ballot, E-Voting Notice for Shareholders
Feb 7, 2026
Cholamandalam Investment and Finance Company Limited has notified the stock exchanges that it has published newspaper advertisements in Business Line (English) and Dinamani (Tamil) regarding a postal ballot and e-voting process for its shareholder...
Cholamandalam Launches E-Voting Postal Ballot for Independent Director’s Reappointment
Feb 6, 2026
Cholamandalam Investment and Finance Company Limited has initiated a postal ballot process, conducted exclusively through remote e-voting, to seek shareholder approval for the re-appointment of Mr. Anand Kumar as an Independent Director for a seco...
Cholamandalam Investment Allots 40,600 Shares Under ESOP Scheme
Feb 2, 2026
Cholamandalam Investment and Finance Company Limited has allotted 40,600 equity shares of Rs 2 each to employees following the exercise of options under its employee stock option scheme. The company will now seek final listing and trading approval...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.