Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) AI Stock Analysis

• Market Cap: ₹307.06B
• Dividend Yield: 0.07%
• Average Volume (3M): 6.67K
• Price to Earnings (P/E): 13.6
• Beta (1Y): 1.17
• Revenue Growth: 22.50%
• EPS Growth: 8.48%
• Country: IN
• Employees: 2
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 33.32
• Shares Outstanding: 187,777,470
• 10 Day Avg. Volume: 4,843
• 30 Day Avg. Volume: 6,675
• PEG Ratio: 0.65
• Price to Book (P/B): 2.57
• Price to Sales (P/S): 0.92
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 163
• Revenue Forecast (FY): ₹15.43B

• Rating: 45 Neutral
• Price Target: ₹1,594.00 ▼(-12.48% Downside)
• Action: Reiterated Date: 11/28/25
• Date: Action: Reiterated 11/28/25

Cholamandalam Financial Holdings Ltd faces significant challenges with financial performance, particularly due to declining revenue, high leverage, and negative cash flows. Technical indicators suggest a bearish trend, adding to the cautious outlook. While the valuation appears moderate, the low dividend yield may not appeal to income investors. Overall, the stock presents a high-risk profile, requiring careful consideration.

Positive Factors

Holding Company Business Model

As a capital-allocation holding company, Cholamandalam can diversify earnings across multiple financial-services investees, receive upstream dividends, and realize capital gains. This lowers single-operating-unit risk and supports strategic portfolio rebalancing over the medium term.

Negative Factors

High Leverage

Extremely high debt relative to equity materially raises financial risk and interest burden. This constrains capital allocation, makes dividend upstreaming harder, increases sensitivity to rate rises or credit stress, and limits flexibility for strategic investments over the medium term.

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 othe...

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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 othe...

How the Company Makes Money

Cholamandalam Financial Holdings Ltd makes money primarily as a holding company through (1) dividends and other distributions received from its operating investee companies (for example, non-banking finance and related financial services entities ...

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Cholamandalam Financial Holdings Ltd makes money primarily as a holding company through (1) dividends and other distributions received from its operating investee companies (for example, non-banking finance and related financial services entities ...

Cholamandalam Financial Holdings Ltd Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	382.31B	349.96B	272.76B	193.81B	156.38B	144.54B
Gross Profit	118.52B	110.02B	81.54B	71.60B	61.35B	62.94B
EBITDA	75.84B	67.40B	54.74B	40.18B	32.18B	37.26B
Net Income	22.28B	21.74B	17.73B	12.90B	10.23B	8.25B
Balance Sheet
Total Assets	2.40T	2.25T	1.77T	1.31T	977.72B	886.16B
Cash, Cash Equivalents and Short-Term Investments	105.06B	127.73B	49.99B	46.87B	48.57B	84.87B
Total Debt	1.87T	1.74T	1.34T	971.91B	692.29B	639.69B
Total Liabilities	2.10T	1.98T	1.55T	1.15T	841.43B	772.57B
Stockholders Equity	136.69B	125.15B	102.42B	76.61B	64.46B	53.86B
Cash Flow
Free Cash Flow	-110.71B	-345.43B	-368.95B	-295.89B	-58.77B	-97.83B
Operating Cash Flow	-108.70B	-342.01B	-357.26B	-293.29B	-57.38B	-97.19B
Investing Cash Flow	-6.72B	-10.38B	-26.25B	2.95B	-1.35B	-620.70M
Financing Cash Flow	118.96B	396.52B	382.69B	272.88B	70.73B	76.88B

Cholamandalam Financial Holdings Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1821.40
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• 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 Positive. The current price of 1821.4 is above the 20-day moving average (MA) of 1462.74, above the 50-day MA of 1591.79, and below the 200-day MA of 1827.87, indicating a neutral trend. The MACD of -45.07 indicates Negative momentum. The RSI at 61.51 is Neutral, neither overbought nor oversold. The STOCH value of 76.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	73 Outperform	₹1.32T	27.83	―	0.12%	27.30%	20.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LTF	62 Neutral	₹690.08B	26.76	―	0.91%	15.90%	4.53%
SUNDARMFIN	62 Neutral	₹544.28B	26.89	―	0.71%	15.31%	25.88%
M&MFIN	53 Neutral	₹412.53B	8.44	―	2.83%	―	―
POONAWALLA	49 Neutral	₹337.16B	64.91	―	―	34.63%	-48.50%
CHOLAHLDNG	45 Neutral	₹307.06B	13.60	―	0.07%	22.50%	8.48%

Cholamandalam Financial Holdings Ltd Corporate Events