Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) AI Stock Analysis

• Market Cap: ₹345.07B
• Dividend Yield: 0.07%
• Average Volume (3M): 8.73K
• Price to Earnings (P/E): 15.7
• Beta (1Y): 1.07
• Revenue Growth: 25.37%
• EPS Growth: 13.05%
• Country: IN
• Employees: 2
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 30.81
• Shares Outstanding: 187,777,470
• 10 Day Avg. Volume: 8,697
• 30 Day Avg. Volume: 8,727
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,906.00
• Price Target Upside: 3.72% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 54 Neutral
• Price Target: ₹1,906.00 ▲(3.72% Upside)

The overall stock score is primarily influenced by financial performance concerns, including significant revenue decline and high leverage. Technical analysis shows a neutral trend with some positive momentum, while valuation suggests the stock is fairly priced. The absence of earnings call data and corporate events limits additional insights.

Cholamandalam Financial Holdings Ltd Business Overview & Revenue Model

Company Description

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. The company provides vehicle finance, home loans, home equity loans, SME loans, investment advisory and stock broking services, and various other financial services. It also offers accident, engineering, health, liability, marine, motor, property, rural, and travel insurance products for individuals and corporates. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

How the Company Makes Money

Cholamandalam Financial Holdings generates revenue through multiple key streams. Its primary source of income comes from the interest earned on loans provided to customers, which includes vehicle financing and home loans. The company also earns fees from various financial services such as processing fees for loan applications and management fees from its asset management services. Additionally, it benefits from investments in equity and fixed income securities, which contribute to its overall earnings. Strategic partnerships with auto manufacturers and dealerships enhance its vehicle financing operations, while a strong brand presence in the financial sector aids in customer acquisition and retention, further solidifying its revenue base.

Cholamandalam Financial Holdings Ltd Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2025	Dec 2023	Dec 2023	Dec 2021	Dec 2021
Income Statement
Total Revenue	181.79B	193.74B	153.21B	144.54B	156.34B
Gross Profit	181.79B	87.89B	-14.99B	62.94B	73.28B
EBITDA	192.11B	56.54B	77.77B	37.26B	44.16B
Net Income	21.74B	12.90B	17.73B	8.25B	10.23B
Balance Sheet
Total Assets	2.25T	1.31T	1.77T	886.16B	977.72B
Cash, Cash Equivalents and Short-Term Investments	53.86B	46.87B	49.99B	84.87B	48.57B
Total Debt	1.74T	971.91B	1.34T	639.69B	692.29B
Total Liabilities	1.98T	1.15T	1.55T	772.57B	841.43B
Stockholders Equity	125.15B	76.61B	102.42B	53.86B	64.46B
Cash Flow
Free Cash Flow	-345.43B	-295.89B	-368.95B	-97.83B	-58.77B
Operating Cash Flow	-342.01B	-293.29B	-357.26B	-97.19B	-57.38B
Investing Cash Flow	-10.38B	2.95B	-26.25B	-620.70M	-1.35B
Financing Cash Flow	396.52B	272.88B	382.69B	76.88B	70.73B

Cholamandalam Financial Holdings Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1837.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CHOLAHLDNG, the sentiment is Negative. The current price of 1837.65 is below the 20-day moving average (MA) of 1856.00, below the 50-day MA of 1883.62, and above the 200-day MA of 1759.49, indicating a neutral trend. The MACD of 14.56 indicates Negative momentum. The RSI at 45.13 is Neutral, neither overbought nor oversold. The STOCH value of 25.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CHOLAHLDNG.

Cholamandalam Financial Holdings Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CHOLAFIN	64 Neutral	1.32T	29.63	18.01%	0.13%	31.00%	21.07%
POONAWALLA	56 Neutral	377.76B	-114.16	-1.20%	―	29.15%	-118.68%
SUNDARMFIN	55 Neutral	498.73B	25.77	14.24%	0.78%	17.12%	28.35%
CHOLAHLDNG	54 Neutral	₹345.07B	15.66	―	0.07%	25.37%	13.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Cholamandalam Financial Holdings Ltd Corporate Events

Cholamandalam Financial Holdings’ AGM Resolutions Approved

Cholamandalam Financial Holdings Limited held its 76th Annual General Meeting on August 8, 2025, via video conference, where all resolutions were approved by the shareholders with the requisite majority. The meeting saw participation from 42 promoters and promoter group members and 11 public shareholders through video conferencing, indicating strong engagement and support from stakeholders.

Cholamandalam Financial Opens Special Window for Physical Share Transfers

Cholamandalam Financial Holdings Limited announced the opening of a special window for the re-lodgement of transfer requests for physical shares. This initiative, communicated through newspaper advertisements, is pursuant to SEBI regulations and aims to facilitate shareholders in managing their physical share transfers, potentially impacting shareholder engagement and compliance processes.

Cholamandalam Financial Holdings Releases Q2 2025 Earnings Call Recording

Cholamandalam Financial Holdings Limited announced that the audio recording of their earnings call for the quarter ending June 30, 2025, has been uploaded to their website. This move ensures compliance with SEBI regulations and provides stakeholders with timely access to the company’s financial discussions.