Education
About Us
Working with TipRanks
Follow Us
Cholamandalam Financial Holdings Ltd (IN:CHOLAHLDNG)
:CHOLAHLDNG
Top Page
Cholamandalam Financial Holdings Ltd
(CHOLAHLDNG)
Rating:47Neutral
Price Target:
₹1,859.00
▲(5.65% Upside)
Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) vs. iShares MSCI India ETF (INDA)
Market Cap
₹326.38B
Dividend Yield0.07%
Average Volume (3M)7.17K
Price to Earnings (P/E)14.9
Beta (1Y)1.00
Revenue Growth25.37%
EPS Growth13.05%
CountryIN
Employees2
SectorFinancial
Sector Strength77
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)30.81
Shares Outstanding187,777,470
10 Day Avg. Volume12,346
30 Day Avg. Volume7,174
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,859.00Price Target Upside5.65% Upside
Rating ConsensusHold
Number of Analyst Covering1
Cholamandalam Financial Holdings Ltd Business Overview & Revenue Model
Company DescriptionCholamandalam Financial Holdings Ltd (CHOLAHLDNG) is a diversified financial services company based in India, operating primarily in the sectors of financial services, including vehicle finance, home loans, and asset management. The company provides a wide range of financial solutions such as loans for commercial and personal vehicles, mortgages, and investment products, catering to both retail and corporate customers.
How the Company Makes MoneyCholamandalam 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
Negative
1759.65
Price Trends
1943.24
Negative
1923.20
Negative
1733.36
Positive
Market Momentum
-51.03
Positive
37.95
Neutral
15.01
Positive
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 1759.65 is below the 20-day moving average (MA) of 1820.40, below the 50-day MA of 1943.24, and above the 200-day MA of 1733.36, indicating a neutral trend. The MACD of -51.03 indicates Positive momentum. The RSI at 37.95 is Neutral, neither overbought nor oversold. The STOCH value of 15.01 is Positive, 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
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.06B | 11.97 | 10.24% | 3.74% | 9.75% | 1.30% | |
64 Neutral | ₹1.23T | 27.18 | 0.14% | 31.00% | 21.07% | ||
55 Neutral | ₹500.06B | 25.71 | 0.78% | 17.12% | 28.35% | ||
49 Neutral | ₹336.70B | 170.63 | 0.94% | 29.15% | -118.68% | ||
47 Neutral | ₹326.38B | 14.89 | 0.07% | 25.37% | 13.05% | ||
| ― | ₹569.39B | 21.37 | 1.21% | ― | ― | ||
| ― | ₹366.20B | 14.46 | 6.42% | ― | ― |
* Financial Sector Average
Performance Comparison
IN:CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
1,759.65
-54.25
-2.99%
IN:CHOLAFIN
Cholamandalam Investment and Finance Co. Ltd.
1,489.15
-18.75
-1.24%
IN:LTF
L&T Finance Ltd
230.50
67.86
41.72%
IN:M&MFIN
Mahindra & Mahindra Financial Services Ltd.
269.30
-41.43
-13.33%
IN:POONAWALLA
Poonawalla Fincorp Limited
431.40
46.20
11.99%
IN:SUNDARMFIN
Sundaram Finance Limited
4,500.80
-263.58
-5.53%
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.