Market Cap ₹108288 Cr.
Stock P/E 31.8
P/B 5.1
Current Price ₹1288
Book Value ₹ 254.7
Face Value 2
52W High ₹1650
Dividend Yield 0.16%
52W Low ₹ 1011.5
Cholamandalam Investment and Finance Company Limited is an India-based non-banking finance organisation. The Company's monetary services consist of vehicle finance, home loans, mortgage against belongings, small and medium establishments (SME) loans, insurance company, mutual fund distribution, and various different financial offerings. The Company operates about 1,137 branches throughout India. The Company's product portfolio includes commercial automobile loans, car & multi utility automobile (MUV) loans, two-wheeler loans, 3-wheeler loans, construction system loans, tractor loans, loan against assets (LAP) and domestic loans. Its subsidiaries consist of Cholamandalam Securities Limited (CSEC) and Cholamandalam Home Finance Limited (CHFL).
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#(Fig in Cr.) | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Operating Revenue | 2770 | 3017 | 3356 | 3741 | 4100 | 4623 | 5007 | 5428 | 5812 | 6255 |
Other Income | 26 | 50 | 52 | 93 | 71 | 73 | 47 | 72 | 44 | 67 |
Total Income | 2796 | 3067 | 3408 | 3835 | 4171 | 4695 | 5055 | 5499 | 5857 | 6322 |
Total Expenditure | 874 | 937 | 909 | 902 | 1170 | 1387 | 1411 | 1417 | 1727 | 1897 |
Operating Profit | 1922 | 2130 | 2499 | 2932 | 3001 | 3308 | 3643 | 4083 | 4130 | 4425 |
Interest Expense | 1130 | 1340 | 1543 | 1734 | 2006 | 2204 | 2441 | 2579 | 2796 | 3059 |
Depreciation | 28 | 28 | 30 | 36 | 39 | 39 | 46 | 75 | 59 | 63 |
Profit Before Tax | 764 | 762 | 926 | 1163 | 956 | 1065 | 1157 | 1428 | 1275 | 1304 |
Provision for Tax | 197 | 196 | 238 | 307 | 242 | 289 | 284 | 379 | 328 | 337 |
Profit After Tax | 567 | 566 | 688 | 855 | 713 | 776 | 872 | 1049 | 947 | 967 |
Adjustments | -5 | -3 | -3 | 0 | -3 | -3 | -0 | 16 | 1 | 1 |
Profit After Adjustments | 562 | 563 | 685 | 855 | 710 | 773 | 872 | 1065 | 947 | 968 |
Adjusted Earnings Per Share | 6.8 | 6.8 | 8.3 | 10.4 | 8.6 | 9.4 | 10.4 | 12.7 | 11.3 | 11.5 |
#(Fig in Cr.) | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Revenue | 3279 | 3715 | 4214 | 4693 | 5559 | 7088 | 8712 | 9579 | 10141 | 12884 | 19140 | 22502 |
Other Income | 118 | 186 | 135 | 234 | 3 | 24 | 2 | 61 | 92 | 222 | 282 | 230 |
Total Income | 3397 | 3900 | 4349 | 4928 | 5562 | 7111 | 8714 | 9640 | 10233 | 13106 | 19422 | 22733 |
Total Expenditure | 1049 | 1246 | 1400 | 1553 | 1453 | 1635 | 2423 | 2914 | 2927 | 3622 | 5388 | 6452 |
Operating Profit | 2348 | 2654 | 2949 | 3374 | 4108 | 5477 | 6291 | 6726 | 7306 | 9484 | 14034 | 16281 |
Interest Expense | 1769 | 1958 | 2048 | 2228 | 2657 | 3588 | 4592 | 4576 | 4298 | 5748 | 9231 | 10875 |
Depreciation | 25 | 30 | 22 | 39 | 51 | 57 | 111 | 102 | 101 | 121 | 198 | 243 |
Profit Before Tax | 554 | 666 | 879 | 1107 | 1401 | 1832 | 1588 | 2048 | 2908 | 3615 | 4605 | 5164 |
Provision for Tax | 186 | 222 | 305 | 390 | 483 | 635 | 534 | 527 | 749 | 938 | 1195 | 1328 |
Profit After Tax | 368 | 444 | 575 | 718 | 918 | 1197 | 1054 | 1521 | 2159 | 2677 | 3411 | 3835 |
Adjustments | 0 | 0 | 0 | 2 | 2 | 1 | -0 | -1 | -5 | -12 | 9 | 18 |
Profit After Adjustments | 368 | 444 | 575 | 719 | 919 | 1198 | 1054 | 1521 | 2154 | 2665 | 3420 | 3852 |
Adjusted Earnings Per Share | 5.1 | 6.1 | 7.3 | 9.2 | 11.8 | 15.3 | 12.9 | 18.5 | 26.2 | 32.4 | 40.7 | 45.9 |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 49% | 26% | 22% | 19% |
Operating Profit CAGR | 48% | 28% | 21% | 20% |
PAT CAGR | 27% | 31% | 23% | 25% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | 10% | 31% | 33% | 31% |
ROE Average | 20% | 20% | 19% | 19% |
ROCE Average | 10% | 10% | 10% | 11% |
#(Fig in Cr.) | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 2287 | 3174 | 3670 | 4298 | 5125 | 6209 | 8200 | 9600 | 11769 | 14346 | 19593 |
Minority's Interest | 0 | 0 | 4 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Borrowings | 9833 | 12425 | 10931 | 15105 | 35069 | 45707 | 51967 | 59258 | 65253 | 90635 | 127440 |
Current Liability | 9090 | 7906 | 12710 | 10411 | 3966 | 5566 | 3882 | 5778 | 5450 | 8641 | 9651 |
Other Liabilities & Provisions | 205 | 179 | 292 | 467 | -359 | -452 | -518 | -760 | -668 | -607 | -653 |
Total Liabilities | 21414 | 23683 | 27607 | 30283 | 43801 | 57030 | 63531 | 73875 | 81804 | 113015 | 156031 |
Loans | 13351 | 15468 | 18188 | 19935 | 42244 | 52611 | 55396 | 65839 | 74145 | 104810 | 144463 |
Investments | 22 | 16 | 12 | 134 | 23 | 42 | 33 | 1583 | 2055 | 3562 | 4036 |
Fixed Assets | 74 | 69 | 120 | 150 | 170 | 167 | 283 | 227 | 258 | 403 | 1563 |
Other Loans | 70 | 69 | 73 | 123 | 198 | 186 | 210 | 212 | 292 | 354 | 567 |
Other Non Current Assets | 612 | 605 | 449 | 530 | 4 | 18 | 15 | 37 | 71 | 61 | 13 |
Current Assets | 7285 | 7456 | 8765 | 9409 | 1161 | 4006 | 7594 | 5976 | 4983 | 3804 | 5352 |
Total Assets | 21414 | 23683 | 27607 | 30283 | 43801 | 57030 | 63531 | 73875 | 81804 | 113015 | 156031 |
#(Fig in Cr.) | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 456 | 676 | 191 | 275 | 278 | 300 | 3162 | 3368 | 1480 | 2699 | 912 |
Cash Flow from Operating Activities | -2447 | -2264 | -2809 | -1468 | -7926 | -9317 | -2075 | -8848 | -5571 | -27105 | -35683 |
Cash Flow from Investing Activities | -83 | -40 | -140 | -222 | -60 | -11 | -54 | -1746 | 1640 | -2148 | -2855 |
Cash Flow from Financing Activities | 2749 | 1819 | 3031 | 1692 | 8009 | 12191 | 2452 | 8707 | 5150 | 27466 | 38471 |
Net Cash Inflow / Outflow | 219 | -485 | 82 | 2 | 22 | 2862 | 323 | -1888 | 1218 | -1787 | -66 |
Closing Cash & Cash Equivalent | 676 | 191 | 275 | 278 | 300 | 3162 | 3485 | 1480 | 2699 | 912 | 846 |
# | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | 5.14 | 6.14 | 7.33 | 9.21 | 11.76 | 15.32 | 12.86 | 18.55 | 26.23 | 32.42 | 40.72 |
CEPS(Rs) | 5.49 | 6.6 | 7.64 | 9.69 | 12.39 | 16.04 | 14.22 | 19.8 | 27.52 | 34.03 | 42.96 |
DPS(Rs) | 0.7 | 0.7 | 0.9 | 1.1 | 1.3 | 1.3 | 1.7 | 2 | 2 | 2 | 2 |
Book NAV/Share(Rs) | 31.94 | 37.22 | 47 | 55 | 65.44 | 79.18 | 99.68 | 116.65 | 142.67 | 173.5 | 231.59 |
Net Profit Margin | 11.23 | 11.96 | 13.64 | 15.3 | 16.51 | 16.89 | 12.1 | 15.88 | 21.29 | 20.78 | 17.82 |
Operating Margin | 70.86 | 70.64 | 69.47 | 71.06 | 72.99 | 76.47 | 70.94 | 69.14 | 71.05 | 72.67 | 72.29 |
PBT Margin | 16.91 | 17.93 | 20.87 | 23.6 | 25.2 | 25.84 | 18.23 | 21.38 | 28.67 | 28.05 | 24.06 |
ROA(%) | 1.86 | 1.97 | 2.24 | 2.48 | 2.48 | 2.37 | 1.75 | 2.21 | 2.77 | 2.75 | 2.54 |
ROE(%) | 17.38 | 17.91 | 18.12 | 18.02 | 19.5 | 21.18 | 14.68 | 17.16 | 20.29 | 20.61 | 20.23 |
ROCE(%) | 12.37 | 12.21 | 11.99 | 12.22 | 11.3 | 10.81 | 10.3 | 9.7 | 9.34 | 9.72 | 10.41 |
Price/Earnings(x) | 11.2 | 19.13 | 19.46 | 20.95 | 24.65 | 18.89 | 11.9 | 30.13 | 27.39 | 23.49 | 28.41 |
Price/Book(x) | 1.8 | 3.16 | 3.04 | 3.51 | 4.43 | 3.66 | 1.53 | 4.79 | 5.03 | 4.39 | 4.99 |
Dividend Yield(%) | 1.21 | 0.6 | 0.63 | 0.57 | 0.45 | 0.45 | 1.11 | 0.36 | 0.28 | 0.26 | 0.17 |
EV/Net Sales(x) | 6.52 | 7.55 | 7.87 | 8.23 | 10.8 | 9.8 | 6.95 | 10.89 | 12.21 | 12.18 | 11.87 |
EV/Core EBITDA(x) | 9.11 | 10.56 | 11.25 | 11.45 | 14.61 | 12.69 | 9.62 | 15.5 | 16.95 | 16.55 | 16.19 |
Interest Earned Growth(%) | 27.59 | 13.28 | 13.43 | 11.38 | 18.43 | 27.51 | 22.92 | 9.96 | 5.86 | 27.05 | 48.55 |
Net Profit Growth | 19.61 | 20.6 | 29.39 | 24.93 | 27.83 | 30.43 | -11.93 | 44.33 | 41.9 | 23.98 | 27.42 |
EPS Growth(%) | 19.54 | 19.42 | 19.39 | 25.55 | 27.74 | 30.3 | -16.1 | 44.25 | 41.42 | 23.59 | 25.6 |
Interest Coverage(x) % | 1.31 | 1.34 | 1.43 | 1.5 | 1.53 | 1.51 | 1.35 | 1.45 | 1.68 | 1.63 | 1.5 |
# | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 51.52 | 51.5 | 51.49 | 51.47 | 51.46 | 51.43 | 50.37 | 50.35 | 50.33 | 50.24 |
FII | 17.96 | 18.68 | 19.37 | 19.62 | 20.91 | 21.5 | 24.72 | 25.99 | 26.62 | 27.17 |
DII | 22.41 | 21.92 | 21.25 | 21.47 | 20.38 | 20.04 | 18.39 | 17.04 | 16.87 | 16.58 |
Public | 8.11 | 7.89 | 7.89 | 7.43 | 7.26 | 7.03 | 6.52 | 6.61 | 6.19 | 6.01 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
# | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 42.32 | 42.32 | 42.31 | 42.31 | 42.31 | 42.3 | 42.3 | 42.3 | 42.29 | 42.22 |
FII | 14.75 | 15.35 | 15.92 | 16.13 | 17.19 | 17.68 | 20.76 | 21.83 | 22.36 | 22.83 |
DII | 18.41 | 18.01 | 17.46 | 17.65 | 16.76 | 16.49 | 15.44 | 14.31 | 14.17 | 13.94 |
Public | 6.66 | 6.48 | 6.48 | 6.11 | 5.97 | 5.78 | 5.47 | 5.55 | 5.2 | 5.05 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 82.15 | 82.16 | 82.18 | 82.2 | 82.22 | 82.25 | 83.97 | 84 | 84.02 | 84.04 |
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