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Chola Invest & Fin.

₹1074.2 -11.3 | 1%

Market Cap ₹90208 Cr.

Stock P/E 27.7

P/B 4.8

Current Price ₹1074.2

Book Value ₹ 222.4

Face Value 2

52W High ₹1309.8

Dividend Yield 0.19%

52W Low ₹ 709.9

Overview Inc. Year: 1978Industry: Finance - NBFC

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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Chola Invest & Fin. Share Price

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Chola Invest & Fin. Quarterly Results

#(Fig in Cr.) Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 2497 2557 2605 2770 3017 3356 3741 4082 4623 5007
Other Income 11 17 52 26 50 52 93 89 73 47
Total Income 2508 2575 2657 2796 3067 3408 3835 4171 4695 5055
Total Expenditure 585 795 625 874 937 909 902 1170 1387 1411
Operating Profit 1923 1780 2031 1922 2130 2499 2932 3001 3308 3643
Interest Expense 1078 1046 1071 1130 1340 1543 1734 2006 2204 2441
Depreciation 24 24 28 28 28 30 36 39 39 46
Profit Before Tax 821 710 932 764 762 926 1163 956 1065 1157
Provision for Tax 211 182 241 197 196 238 307 242 289 284
Profit After Tax 610 528 692 567 566 688 855 713 776 872
Adjustments 0 -0 -5 -5 -3 -3 0 -3 -3 -0
Profit After Adjustments 611 528 687 562 563 685 855 710 773 872
Adjusted Earnings Per Share 7.4 6.4 8.4 6.8 6.8 8.3 10.4 8.6 9.4 10.4

Chola Invest & Fin. Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Operating Revenue 2570 3279 3715 4214 4693 5559 7088 8712 9579 10141 12884 17453
Other Income 36 118 186 135 234 3 24 2 61 92 222 302
Total Income 2606 3397 3900 4349 4928 5562 7111 8714 9640 10233 13106 17756
Total Expenditure 723 1049 1246 1400 1553 1453 1635 2423 2914 2927 3622 4870
Operating Profit 1884 2348 2654 2949 3374 4108 5477 6291 6726 7306 9484 12884
Interest Expense 1410 1769 1958 2048 2228 2657 3588 4592 4576 4298 5748 8385
Depreciation 22 25 30 22 39 51 57 111 102 101 121 160
Profit Before Tax 452 554 666 879 1107 1401 1832 1588 2048 2908 3615 4341
Provision for Tax 144 186 222 305 390 483 635 534 527 749 938 1122
Profit After Tax 308 368 444 575 718 918 1197 1054 1521 2159 2677 3216
Adjustments 0 0 0 0 2 2 1 -0 -1 -5 -12 -6
Profit After Adjustments 308 368 444 575 719 919 1198 1054 1521 2154 2665 3210
Adjusted Earnings Per Share 4.3 5.1 6.1 7.3 9.2 11.8 15.3 12.9 18.5 26.2 32.4 38.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 27% 14% 18% 17%
Operating Profit CAGR 30% 15% 18% 18%
PAT CAGR 24% 36% 24% 24%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 40% 27% 35% 37%
ROE Average 21% 19% 19% 18%
ROCE Average 10% 10% 10% 11%

Chola Invest & Fin. Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 1953 2287 3174 3670 4298 5125 6209 8200 9600 11769 14346
Minority's Interest 0 0 0 4 2 0 0 0 0 0 0
Borrowings 8299 9833 12425 10931 15105 35069 45707 51967 59258 65253 90635
Current Liability 7841 9090 7906 12710 10411 3966 5566 3882 5778 5450 8641
Other Liabilities & Provisions 68 205 179 292 467 -359 -452 -518 -760 -668 -607
Total Liabilities 18160 21414 23683 27607 30283 43801 57030 63531 73875 81804 113015
Loans 11474 13351 15468 18188 19935 42244 52611 55396 65839 74145 104810
Investments 29 22 16 12 134 23 42 33 1583 2055 3562
Fixed Assets 73 74 69 120 150 170 167 283 227 258 403
Other Loans 59 70 69 73 123 198 186 210 212 292 354
Other Non Current Assets 458 612 605 449 530 4 18 15 37 71 103
Current Assets 6067 7285 7456 8765 9409 1161 4006 7594 5976 4983 3762
Total Assets 18160 21414 23683 27607 30283 43801 57030 63531 73875 81804 113015

Chola Invest & Fin. Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 139 456 676 191 275 278 300 3162 3368 1480 2699
Cash Flow from Operating Activities -3754 -2447 -2264 -2809 -1468 -7926 -9317 -2075 -8848 -5571 -27105
Cash Flow from Investing Activities 5 -83 -40 -140 -222 -60 -11 -54 -1746 1640 -2148
Cash Flow from Financing Activities 4067 2749 1819 3031 1692 8009 12191 2452 8707 5150 27466
Net Cash Inflow / Outflow 317 219 -485 82 2 22 2862 323 -1888 1218 -1787
Closing Cash & Cash Equivalent 456 676 191 275 278 300 3162 3485 1480 2699 912

Chola Invest & Fin. Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 4.3 5.14 6.14 7.33 9.21 11.76 15.32 12.86 18.55 26.23 32.42
CEPS(Rs) 4.6 5.49 6.6 7.64 9.69 12.39 16.04 14.22 19.8 27.52 34.03
DPS(Rs) 0.7 0.7 0.7 0.9 1.1 1.3 1.3 1.7 2 2 2
Book NAV/Share(Rs) 27.29 31.94 37.22 47 55 65.44 79.18 99.68 116.65 142.67 173.5
Net Profit Margin 11.98 11.23 11.96 13.64 15.3 16.51 16.89 12.1 15.88 21.29 20.77
Operating Margin 72.45 70.86 70.64 69.47 71.06 72.99 76.47 70.94 69.14 71.05 72.67
PBT Margin 17.59 16.91 17.93 20.87 23.6 25.2 25.84 18.23 21.38 28.67 28.05
ROA(%) 1.95 1.86 1.97 2.24 2.48 2.48 2.37 1.75 2.21 2.77 2.75
ROE(%) 18.35 17.38 17.91 18.12 18.02 19.5 21.18 14.68 17.16 20.29 20.61
ROCE(%) 12.39 12.37 12.21 11.99 12.22 11.3 10.81 10.3 9.7 9.34 9.72
Price/Earnings(x) 12.61 11.2 19.13 19.46 20.95 24.65 18.89 11.9 30.13 27.39 23.49
Price/Book(x) 1.99 1.8 3.16 3.04 3.51 4.43 3.66 1.53 4.79 5.03 4.39
Dividend Yield(%) 1.29 1.21 0.6 0.63 0.57 0.45 0.45 1.11 0.36 0.28 0.26
EV/Net Sales(x) 7.29 6.52 7.55 7.87 8.23 10.8 9.8 6.95 10.89 12.21 12.18
EV/Core EBITDA(x) 9.95 9.11 10.56 11.25 11.45 14.61 12.69 9.62 15.5 16.95 16.55
Interest Earned Growth(%) 44.45 27.59 13.28 13.43 11.38 18.43 27.51 22.92 9.96 5.86 27.05
Net Profit Growth 82.21 19.61 20.6 29.39 24.93 27.83 30.43 -11.93 44.33 41.9 23.98
EPS Growth(%) 68.77 19.54 19.42 19.39 25.55 27.74 30.3 -16.1 44.25 41.42 23.59
Interest Coverage(x) % 1.32 1.31 1.34 1.43 1.5 1.53 1.51 1.35 1.45 1.68 1.63

Chola Invest & Fin. Shareholding Pattern

# Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Promoter 51.57 51.55 51.55 51.52 51.5 51.49 51.47 51.46 51.43 50.37
FII 17.88 17.65 17.61 17.96 18.68 19.37 19.62 20.91 21.5 24.72
DII 22.54 22.79 23.01 22.41 21.92 21.25 21.47 20.38 20.04 18.39
Public 8.01 8 7.84 8.11 7.89 7.89 7.43 7.26 7.03 6.52
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 23% CAGR over last 5 years

Cons

  • Stock is trading at 4.8 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Chola Invest & Fin. News

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