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Cholamandalam Financial Holdings Ltd (IN:CHOLAHLDNG)
:CHOLAHLDNG
India Market
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Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) AI Stock Analysis

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IN:CHOLAHLDNG

Cholamandalam Financial Holdings Ltd

(CHOLAHLDNG)

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Neutral 49 (OpenAI - 4o)
Rating:49Neutral
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 (CHOLAHLDNG) vs. iShares MSCI India ETF (INDA)

Cholamandalam Financial Holdings Ltd Business Overview & Revenue Model

Company DescriptionCholamandalam 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 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
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
45
Neutral
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
40
Negative
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
30
Negative
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue358.58B331.27B153.21B193.74B156.34B144.54B
Gross Profit135.62B181.79B153.21B87.89B73.28B62.94B
EBITDA88.33B192.11B77.77B56.54B44.16B37.26B
Net Income22.04B21.74B17.73B12.90B10.23B8.25B
Balance Sheet
Total Assets0.002.25T1.77T1.31T977.72B886.16B
Cash, Cash Equivalents and Short-Term Investments0.00127.73B49.99B46.87B48.57B84.87B
Total Debt0.001.74T1.34T971.91B692.29B639.69B
Total Liabilities-269.49B1.98T1.55T1.15T841.43B772.57B
Stockholders Equity269.49B125.15B102.42B76.61B64.46B53.86B
Cash Flow
Free Cash Flow0.00-345.43B-368.95B-295.89B-58.77B-97.83B
Operating Cash Flow0.00-342.01B-357.26B-293.29B-57.38B-97.19B
Investing Cash Flow0.00-10.38B-26.25B2.95B-1.35B-620.70M
Financing Cash Flow0.00396.52B382.69B272.88B70.73B76.88B

Cholamandalam Financial Holdings Ltd Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price1864.15
Price Trends
50DMA
1855.14
Positive
100DMA
1927.69
Negative
200DMA
1786.86
Positive
Market Momentum
MACD
-2.90
Positive
RSI
48.97
Neutral
STOCH
66.50
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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
64
Neutral
₹1.39T31.230.12%31.00%21.07%
62
Neutral
₹666.19B24.641.03%15.90%4.53%
56
Neutral
₹410.02B187.710.94%34.63%-48.50%
55
Neutral
₹498.48B25.760.77%17.12%28.35%
49
Neutral
₹354.64B16.090.07%25.37%13.05%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
1,864.15
-134.57
-6.73%
IN:CHOLAFIN
Cholamandalam Investment and Finance Co. Ltd.
1,654.25
217.10
15.11%
IN:LTF
L&T Finance Ltd
266.35
110.89
71.33%
IN:M&MFIN
Mahindra & Mahindra Financial Services Ltd.
300.95
26.87
9.80%
IN:POONAWALLA
Poonawalla Fincorp Limited
526.20
149.95
39.85%
IN:SUNDARMFIN
Sundaram Finance Limited
4,486.65
-514.05
-10.28%

Cholamandalam Financial Holdings Ltd Corporate Events

Cholamandalam Financial Holdings’ AGM Resolutions Approved
Aug 9, 2025

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
Aug 9, 2025

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
Aug 8, 2025

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.

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.Date of analysis: Oct 16, 2025