Cholamandalam Financial Holdings Ltd (IN:CHOLAHLDNG)
:CHOLAHLDNG
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Cholamandalam Financial Holdings Ltd
(CHOLAHLDNG)
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Rating:68Neutral
Price Target:
₹1,743.00
▼(-4.30% Downside)
Action:Reiterated
Date:05/10/26
The score is anchored by mixed financial performance—strong growth and profitability but elevated leverage and cash-flow volatility—partly offset by supportive valuation (moderate P/E and high dividend yield). Technicals are positive but appear overextended, tempering the overall outlook.
Positive Factors
Strong Revenue Growth
Sustained top-line expansion over multiple years demonstrates scalable lending and distribution capabilities. This structural growth increases the company's ability to generate operating earnings, support subsidiary capital needs, and create a larger base for dividend upstreams and long-term reinvestment.
Negative Factors
Very High Leverage
Exceptionally high leverage heightens sensitivity to funding cost increases and credit cycles, constraining financial flexibility. In stressed conditions, high debt amplifies downside for dividend upstreams and could force capital conservation or asset sales, undermining durable cash generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Sustained top-line expansion over multiple years demonstrates scalable lending and distribution capabilities. This structural growth increases the company's ability to generate operating earnings, support subsidiary capital needs, and create a larger base for dividend upstreams and long-term reinvestment.
Read all positive factors
Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) vs. iShares MSCI India ETF (INDA)
Market Cap
₹300.20B
Dividend Yield0.07%
Average Volume (3M)6.67K
Price to Earnings (P/E)9.3
Beta (1Y)1.31
Revenue Growth18.28%
EPS Growth12.31%
CountryIN
Employees2
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)118.66
Shares Outstanding187,777,470
10 Day Avg. Volume4,843
30 Day Avg. Volume6,675
Financial Highlights & Ratios
PEG Ratio0.85
Price to Book (P/B)1.66
Price to Sales (P/S)0.65
P/FCF Ratio1.65
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)153
Revenue Forecast (FY)₹15.63B
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...
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 ...
Cholamandalam Financial Holdings Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 382.31B | 395.76B | 349.96B | 272.76B | 193.81B | 156.38B |
| Gross Profit | 118.52B | 192.35B | 110.02B | 81.54B | 71.60B | 61.35B |
| EBITDA | 75.84B | 76.66B | 67.40B | 54.74B | 40.18B | 32.18B |
| Net Income | 22.28B | 24.41B | 21.74B | 17.73B | 12.90B | 10.23B |
Balance Sheet | ||||||
| Total Assets | 2.40T | 2.68T | 2.25T | 1.77T | 1.31T | 977.72B |
| Cash, Cash Equivalents and Short-Term Investments | 105.06B | 149.76B | 127.73B | 49.99B | 46.87B | 48.57B |
| Total Debt | 1.87T | 2.10T | 1.74T | 1.34T | 971.91B | 692.29B |
| Total Liabilities | 2.10T | 2.34T | 1.98T | 1.55T | 1.15T | 841.43B |
| Stockholders Equity | 136.69B | 154.54B | 125.15B | 102.42B | 76.61B | 64.46B |
Cash Flow | ||||||
| Free Cash Flow | -110.71B | 155.18B | -345.43B | -368.95B | -295.89B | -58.77B |
| Operating Cash Flow | -108.70B | 158.78B | -342.01B | -357.26B | -293.29B | -57.38B |
| Investing Cash Flow | -6.72B | -476.49B | -10.38B | -26.25B | 2.95B | -1.35B |
| Financing Cash Flow | 118.96B | 356.50B | 396.52B | 382.69B | 272.88B | 70.73B |
Cholamandalam Financial Holdings Ltd Technical Analysis
Negative
1821.40
Price Trends
1565.46
Positive
1651.88
Negative
1763.48
Negative
Market Momentum
13.99
Positive
45.03
Neutral
5.49
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 1821.4 is above the 20-day moving average (MA) of 1657.06, above the 50-day MA of 1565.46, and above the 200-day MA of 1763.48, indicating a neutral trend. The MACD of 13.99 indicates Positive momentum. The RSI at 45.03 is Neutral, neither overbought nor oversold. The STOCH value of 5.49 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹300.20B | 9.33 | ― | 0.07% | 18.28% | 12.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹498.62B | 26.89 | ― | 0.71% | 13.88% | 29.05% | |
61 Neutral | ₹676.72B | 18.65 | ― | 0.91% | 10.78% | 12.42% | |
61 Neutral | ₹416.07B | 2.68 | ― | 2.83% | 13.79% | 16.72% | |
60 Neutral | ₹1.31T | 21.86 | ― | 0.12% | 20.59% | 22.13% | |
57 Neutral | ₹351.77B | 53.86 | ― | ― | 62.58% | ― |
* Financial Sector Average
IN:CHOLAHLDNG
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Cholamandalam Financial Holdings Ltd Corporate Events
Cholamandalam Financial Holdings Schedules Analyst Call on FY26 Results
May 1, 2026
Cholamandalam Financial Holdings Limited has announced the schedule for an analyst and investor conference call to discuss its audited standalone and consolidated financial results for the year ended March 31, 2026. The group call, organized by DA...
Cholamandalam Financial Holdings Gets Bourses’ Nod to Drop Algavista Greentech from Promoter Group
Apr 15, 2026
Cholamandalam Financial Holdings Limited has received no-objection letters from both the National Stock Exchange of India and BSE Limited for the declassification of Algavista Greentech Private Limited from its promoter and promoter group. The app...
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.