Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) AI Stock Analysis

• Market Cap: ₹354.64B
• Dividend Yield: 0.07%
• Average Volume (3M): 6.63K
• Price to Earnings (P/E): 16.1
• Beta (1Y): 1.05
• 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: 6,188
• 30 Day Avg. Volume: 6,628
• PEG Ratio: 0.65
• Price to Book (P/B): 2.57
• Price to Sales (P/S): 1.77
• P/FCF Ratio: -0.93
• 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: ₹1,890.00
• Price Target Upside: 1.39% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 49 Neutral
• Price Target: ₹1,890.00 ▲(1.39% Upside)

The overall stock score is primarily influenced by financial performance, which highlights significant risks due to declining revenue, high leverage, and negative cash flows. Technical analysis shows mixed signals with short-term strength but potential long-term weakness. Valuation is reasonable, but the low dividend yield offers limited income potential.

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

Cholamandalam Financial Holdings Ltd shows profitability through its net profit margin and return on equity. However, the significant revenue decline, high leverage, and negative cash flows indicate potential financial instability and risk. The company needs to address its revenue growth and manage its debt levels to improve its financial health.

Income Statement

The income statement shows a mixed performance. While the company has a positive net profit margin of 11.96% for the latest year, indicating profitability, the revenue growth rate is negative at -43.94%, reflecting a significant decline in revenue. The EBIT and EBITDA margins are strong, suggesting efficient operations, but the overall revenue decline is a concern.

Balance Sheet

The balance sheet reveals high leverage with a debt-to-equity ratio of 13.93, indicating significant reliance on debt financing. The return on equity is reasonable at 17.37%, showing effective use of equity to generate profits. However, the high debt levels pose a risk to financial stability.

Cash Flow

The cash flow statement highlights challenges with negative operating cash flow and free cash flow, indicating cash outflows from operations. The free cash flow to net income ratio is slightly above 1, suggesting that free cash flow is just covering net income, but the negative growth in free cash flow is concerning.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	358.58B	331.27B	153.21B	193.74B	156.34B	144.54B
Gross Profit	135.62B	181.79B	153.21B	87.89B	73.28B	62.94B
EBITDA	88.33B	192.11B	77.77B	56.54B	44.16B	37.26B
Net Income	22.04B	21.74B	17.73B	12.90B	10.23B	8.25B
Balance Sheet
Total Assets	0.00	2.25T	1.77T	1.31T	977.72B	886.16B
Cash, Cash Equivalents and Short-Term Investments	0.00	127.73B	49.99B	46.87B	48.57B	84.87B
Total Debt	0.00	1.74T	1.34T	971.91B	692.29B	639.69B
Total Liabilities	-269.49B	1.98T	1.55T	1.15T	841.43B	772.57B
Stockholders Equity	269.49B	125.15B	102.42B	76.61B	64.46B	53.86B
Cash Flow
Free Cash Flow	0.00	-345.43B	-368.95B	-295.89B	-58.77B	-97.83B
Operating Cash Flow	0.00	-342.01B	-357.26B	-293.29B	-57.38B	-97.19B
Investing Cash Flow	0.00	-10.38B	-26.25B	2.95B	-1.35B	-620.70M
Financing Cash Flow	0.00	396.52B	382.69B	272.88B	70.73B	76.88B

Cholamandalam Financial Holdings Ltd Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1864.15
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• 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 Neutral. The current price of 1864.15 is below the 20-day moving average (MA) of 1886.86, above the 50-day MA of 1855.14, and above the 200-day MA of 1786.86, indicating a neutral trend. The MACD of -2.90 indicates Positive momentum. The RSI at 48.97 is Neutral, neither overbought nor oversold. The STOCH value of 66.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CHOLAFIN	64 Neutral	₹1.39T	31.23	―	0.12%	31.00%	21.07%
LTF	62 Neutral	₹666.19B	24.64	―	1.03%	15.90%	4.53%
POONAWALLA	56 Neutral	₹410.02B	187.71	―	0.94%	34.63%	-48.50%
SUNDARMFIN	55 Neutral	₹498.48B	25.76	―	0.77%	17.12%	28.35%
CHOLAHLDNG	49 Neutral	₹354.64B	16.09	―	0.07%	25.37%	13.05%

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.