Cholamandalam Investment

    CHOLAFIN
    NBFC
    ₹1,463.80
    Price as of 25 Oct 2026, 10:28 pm IST

    Market cap ₹1.26 L Cr

    P/E
    21.65
    Day range
    ₹1,450.00 – ₹1,500.30
    52-week range
    ₹1,299.40 – ₹1,952.50
    Volume
    32.39 L
    Open
    ₹1,500.00
    Prev close
    ₹1,530.90

    Latest results · Q1 FY27(consolidated)Revenue ₹8,856 Cr+21.9%Profit ₹1,656 Cr+45.6%Margin 18.7%YoY vs the same quarter last year

    No red flags in exchange filings: no rising pledge, promoter selling, surveillance or critical filing on record.

    CHOLAFIN in NSE indices and F&O

    F&O margin for one lot of CHOLAFIN (625 shares)

    Research profile

    Composite 41 / 100

    Factor percentiles

    Value40
    Quality32
    Momentum46
    Low volatility47

    Derived metrics

    Earn. yield
    4.6%
    Graham no.
    ₹718.12
    vs Graham
    -50.9%
    ROE ÷ P/B
    4.5%
    12-1 mom.
    +6.9%
    Return / vol
    -0.34
    Piotroski
    4/5
    FCF yield
    -24.1%
    PEG
    0.71

    Appears in 13 scans

    Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.

    Peer comparison

    All 68 in NBFC
    Largest NBFC companies tracked, with sector medians
    CompanyM-capP/EP/BROEROCEOPMD/ESales YoY
    Bajaj FinanceBAJFINANCE₹5.78 L Cr26.674.7618.4%10.9%—4.08+22.8%
    National Stock Exchange of IndiaNSE₹4.13 L Cr39.37—33.0%41.0%78.0%0.01—
    Bajaj FinservBAJAJFINSV₹2.65 L Cr26.273.4526.2%11.0%41.0%5.52+19.1%
    Shriram FinanceSHRIRAMFIN₹2.04 L Cr14.421.8216.4%11.5%—2.12+15.8%
    Jio Financial ServicesJIOFIN₹1.35 L Cr77.961.051.2%2.0%63.0%0.32+73.2%
    BSE LtdBSE₹1.31 L Cr47.0019.9144.8%60.0%67.0%0.00+63.5%
    ICICI Prudential Asset Management CompanyICICIAMC₹1.31 L Cr37.6725.1985.8%115.0%73.0%0.00+16.3%
    Cholamandalam InvestmentCHOLAFIN₹1.26 L Cr21.654.2919.3%9.7%—6.93+21.9%
    Sector median₹26,914 Cr20.192.7115.3%11.4%54.0%1.74+20.3%

    Sector as classified in the tracked universe; medians use every tracked NBFC company, and P/E only profitable ones. Tinted figures beat the median.

    Latest news

    Updated 9d ago

    Headlines about Cholamandalam Investment from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.

    Key metrics

    P/E (TTM)
    21.8
    EPS (TTM)
    ₹67.59
    Price / Book
    4.10
    ROE (FY26)
    19.3%
    Dividend yield
    0.14%

    Moving averages (NSE)

    20-day
    ₹1,586.05
    Price below
    50-day
    ₹1,739.51
    Price below
    200-day
    ₹1,674.09
    Price below

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +34.2%
    Profit 3Y CAGR
    +25.2%
    Revenue YoY (Jun 2026)
    +21.9%
    Profit YoY (Jun 2026)
    +45.5%
    Net margin
    18.7%

    Revenue, profit & margin - quarterly

    ₹ crore; a loss shows red. Operating margin below, same periods.

    0 Cr2.5K Cr5K Cr7.5K Cr10K Cr
    • Revenue
    • Net profit

    Operating margin

    Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Jun 2026

    Who owns the company

    % of equity by quarter, latest Sept 2026

    Dec '24Mar '25Jun '25Sept '25Dec '25Mar '26Jun '26Sept '260%25%50%75%100%
    • Promoter
    • FII
    • DII
    • Public

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-40K Cr-20K Cr0 Cr20K Cr40K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY17FY18FY19FY20FY21FY22FY23FY24FY25FY260%10%20%30%15% screen

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); the ratio below, same years.

    0 Cr1L Cr2L Cr3L Cr
    • Equity
    • Debt

    Debt to equity

    Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 20260x5x10x

    Dividends per share

    ₹ by fiscal year of the ex-date; the latest year runs to date. Not adjusted for the split of 14 Jun 2019: earlier bars are per pre-split share.

    FY19FY20FY21FY22FY23FY24FY25FY26₹0₹2₹4₹6₹8

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
    Revenue4,6235,0075,4105,8126,2556,7337,0467,2677,4917,8988,4178,856
    Interest2,2042,4412,5792,7963,0593,2753,3653,4683,5173,6463,7534,007
    Expenses1,3911,4121,4171,7271,8972,0382,0102,2862,4602,5542,5972,652
    Financing Profit1,0281,1551,4141,2891,3001,4201,6711,5121,5141,6982,0672,197
    Financing Margin %22%23%26%22%21%21%24%21%20%22%25%25%
    Other Income734710545681059287123111148102
    Depreciation394675596359646771747275
    Profit before tax1,0621,1561,4441,2751,3051,4661,6991,5321,5661,7362,1432,224
    Tax %27%25%26%26%26%26%26%26%26%26%23%26%
    Net Profit7738721,0659479681,0881,2601,1381,1601,2901,6451,656
    EPS in Rs₹9.40₹10.39₹12.68₹11.27₹11.52₹12.94₹14.98₹13.53₹13.78₹15.28₹19.31₹19.43

    From company filings, updated 26 Oct 2026. Consolidated figures where the company reports them. Information only, not investment advice.

    Strengths, risks & growth

    Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property. [1]

    Strengths

    • Company has delivered good profit growth of 28.0% CAGR over last 5 years
    • Company's median sales growth is 21.4% of last 10 years

    Risks

    • Stock is trading at 4.09 times its book value
    • Company has low interest coverage ratio.
    • Company might be capitalizing the interest cost

    Compounded Sales Growth

    10 Years
    +22%
    5 Years
    +27%
    3 Years
    +34%
    TTM
    +20%

    Compounded Profit Growth

    10 Years
    +25%
    5 Years
    +28%
    3 Years
    +25%
    TTM
    +29%

    Stock Price CAGR

    10 Years
    +20%
    5 Years
    +19%
    3 Years
    +8%
    1 Year
    -16%

    Return on Equity

    10 Years
    +19%
    5 Years
    +20%
    3 Years
    +20%
    Last Year
    +19%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderDec 2025Mar 2026Jun 2026Sept 2026Change
    Promoter49.72%49.25%49.23%48.93%-0.30 pp
    FII26.56%24.87%24.46%24.87%+0.41 pp
    DII17.54%19.91%20.62%20.38%-0.24 pp
    Public6.16%5.95%5.70%5.82%+0.12 pp

    Filed with NSE for Sept 2026: promoters 48.93%, public 51.07% · XBRL filing

    Analysts & fund holdings

    84%
    84% recommend buy
    32 analysts cover the stock
    Valuation vs Consumer Finance
    P/E21.7 vs 16.4
    Sector P/B2.12
    Beta1.44

    Who holds the shares, quarter by quarter

    Mutual funds 15.14% (+0.16 pp)
    Mar 25
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    • Promoters49.2%
    • Foreign institutions24.4%
    • Mutual funds15.1%
    • Insurance1.7%
    • Other domestic institutions3.8%
    • Retail3.7%
    • Others2.0%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    SBI Large Cap Fund0.80%2.04%-0.10 pp
    HDFC Large Cap Fund0.63%2.28%-0.13 pp
    Axis ELSS-Tax Saver Fund0.55%2.25%-0.22 pp
    Kotak Mid Cap Fund0.53%1.07%-0.78 pp
    Kotak Arbitrage Fund0.49%0.88%+0.27 pp

    Scorecard

    Performance
    Avg
    Valuation
    High
    Growth
    Avg
    Profitability
    Avg
    Entry point
    Good
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Risk & trend

    From 275 daily sessions to 23 Oct 2026.

    Computed

    Risk

    Volatility (1Y)
    33.0%
    Downside volatility
    30.6%
    Worst 5% of days
    3.6%
    Average of that tail
    4.3%
    Max drawdown (1Y)
    25.0%
    Below its peak
    24.5%

    Against the market

    Beta vs Nifty 50
    1.65
    Correlation
    0.67
    Relative strength (3M)
    -9.4%
    ATR (14)
    3.3%

    Return

    Return 1M
    -16.8%
    Return 3M
    -14.8%
    Return 6M
    -6.5%
    Return 1Y
    -11.1%
    vs 200-day average
    -12.6%

    Momentum

    RSI (14) · oversold
    27.1
    MACD histogram
    -3.27
    Stochastic %K
    8.0
    ADX (14)
    43.6
    +DI / −DI
    7.2 / 33.2
    Money flow index
    35.4

    Participation

    Delivery (20d avg)
    58.2%
    vs its 60-day baseline
    -1.2 pts
    Volume vs 20-day
    +1.9σ
    Close vs day's VWAP
    -0.4%
    52-week position
    19 / 100

    These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

    Financial quality

    From consolidated statements to 31 Mar 2026.

    Computed

    Piotroski F-Score

    4 of 5 tested

    • Return on assets positive — passed
    • Operating cash flow positive — not testableno cash flow statement for this period
    • Return on assets improving — passed
    • Cash flow exceeds profit — not testableneeds cash flow and profit against assets
    • Debt to assets falling — passed
    • Current ratio improving — not testableno current assets or liabilities figure
    • No new equity issued — not testableno share count is collected, and financing cash flow mixes equity with debt
    • Operating margin improving — passed
    • Asset turnover improving — failed
    Free cash flow
    -₹30,286 Cr
    FCF yield
    -24.1%
    Cash conversion
    -5.74
    Accruals ratio
    0.144
    Net debt
    ₹2.01 L Cr
    Net debt / equity
    6.59
    EV / sales
    9.99
    PEG
    0.71
    Capex intensity
    0.9%
    Revenue CAGR
    19.5%
    Profit CAGR
    30.6%

    Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

    Corporate actions

    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.70 Per Share

      21 Jul 2026
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      5 Feb 2026
      ex-date
    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.70 Per Share

      24 Jul 2025
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      7 Feb 2025
      ex-date
    • dividend
      Not available — not reported in this filing

      Dividend - Re 0.70 Per Share

      19 Jul 2024
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      7 Feb 2024
      ex-date
    • dividend
      Not available — not reported in this filing

      Annual General Meeting/Dividend - Re 0.70 Per Share

      25 Jul 2023
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      10 Feb 2023
      ex-date
    • dividend
      ₹0.70

      Dividend - Rs 0.70 Per Share

      21 Jul 2022
      ex-date
    • dividend
      ₹1.30

      Interim Dividend - Rs 1.30 Per Share

      10 Feb 2022
      ex-date
    • dividend
      ₹0.70

      Annual General Meeting/Dividend - Rs 0.70 Per Share

      22 Jul 2021
      ex-date
    • dividend
      ₹1.30

      Interimdividend - Rs 1.30 Per Share

      9 Feb 2021
      ex-date
    • dividend
      Not available — not reported in this filing

      Interim Dividend-Re 0.70 Per Share

      4 Mar 2020
      ex-date
    • dividend
      Not available — not reported in this filing

      Interim Dividend - Re 1 Pr Sh

      23 Dec 2019
      ex-date
    • dividend
      Not available — not reported in this filing

      Annual General Meeting/Dividend - Re 0.40 Per Share

      22 Jul 2019
      ex-date
    • split
      Not available — not reported in this filing

      Face Value Split (Sub-Division) - From Rs 10/- Per Share To Rs 2/- Per Share

      14 Jun 2019
      ex-date
    • dividend
      ₹4.50

      Interim Dividend - Rs 4.50 Per Share

      8 Feb 2019
      ex-date
    • dividend
      ₹2.00

      Annual General Meeting / Dividend- Rs 2 Per Share

      18 Jul 2018
      ex-date
    • dividend
      ₹4.50

      Interim Dividend Rs 4.50 Per Share

      9 Feb 2018
      ex-date
    • dividend
      ₹2.00

      Annual General Meeting/Dividend - Rs 2/- Per Share

      19 Jul 2017
      ex-date

    Company announcements

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

    Intimation on Schedule of Investors Meeting for the quarter ended 30-Sep-2026

    Board MeetingPrice-sensitive
    Update on board meeting

    Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/10/2026 ,inter alia, to consider and approve ....

    Company Update
    Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

    Enclosed certificate under Reg.74(5) for the quarter ended 30-Sep-2026

    Insider Trading / SAST
    Closure of Trading Window

    Intimation of Trading Window Closure

    Board MeetingPrice-sensitive
    Board Meeting Intimation for Intimation Of Board Meeting

    Cholamandalam Investment And Finance Company Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/10/2026 ,inter alia, to consider and approve ....

    Corp Action
    Announcement under Regulation 30 (LODR)-Conversion of Securities

    Conversion of Compulsorily Convertible Debentures into equity shares

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Allotment of 91063 equity shares on exercise of ESOPs.

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Intimation on Allotment of 54302 Shares

    Company Update
    Response To Clarification Sought By The Exchange

    Response to clarification sought by the Exchange

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Intimation on allotment 244596 equity shares on exercise of ESOPs

    Company UpdatePrice-sensitive
    Clarification sought from Cholamandalam Investment and Finance Company Ltd

    The Exchange has sought clarification from Cholamandalam Investment and Finance Company Ltd on September 11, 2026, with reference to Movement in Volume. <BR><BR>The reply is awaited.

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment

    Company confirms allotment of 2000 unsecured listed rated redeemable perpetual ncds on 1st sep 2026

    Company Update
    Intimation Under Reg.31A(8) Of SEBI (LODR) Regulations

    Intimation under Reg. 31A(8) of SEBI (LODR) Regulations, 2015 regarding the NOC received from

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment

    Company confirms allotment of 35000 secured listed rated redeemable ncds on 21st August 2026

    Company Update
    Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

    Intimation on allotment of equity 43050 shares

    Filed with BSE (scrip 511243); the last 45 days. Documents open at bseindia.com.

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.

    Sourced from the company's NSE XBRL filing dated 28 Jul 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.

    FAQ

    Cholamandalam Investment: common questions

    Answered from the figures on this page.

    Cholamandalam Investment last traded at ₹1,463.80 (NSE, as of 25 Oct 2026). The last session moved it down 4.38%.

    Cholamandalam Investment is valued at about ₹1.26 lakh crore (NSE, as of 25 Oct 2026).

    Cholamandalam Investment trades at a price-to-earnings ratio of 21.65 (NSE, as of 25 Oct 2026). The P/E compares the share price with earnings per share, so it is only comparable between companies in the same industry.

    Cholamandalam Investment has traded between ₹1,299.40 and ₹1,952.50 over the past 52 weeks, to 25 Oct 2026. It is currently 25% of the way up that range.

    Cholamandalam Investment (CHOLAFIN) is classified under NBFC on this site's screener.