Chola Invest & Fin.

₹1532.5 -13.4 | 0.9%

WEBSITE BSE:511243 NSE : CHOLAFIN 11 Jul, 15:59

Market Cap ₹128910 Cr.

Stock P/E 30.3

P/B 5.5

Current Price ₹1532.5

Book Value ₹ 278.8

Face Value 2

52W High ₹1683.7

Dividend Yield 0.13%

52W Low ₹ 1167.6

Edit Ratio

Chola Invest & Fin. Research see more...

Cholamandalam Investment & Finance Company Ltd

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).

Chola Invest & Fin. Share Price

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Peer Comparison

Chola Invest & Fin. Quarterly Results

#(Fig in Cr.)	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Operating Revenue	3356	3741	4100	4623	5007	5410	5812	6255	6733	7046
Other Income	52	93	71	73	47	89	44	67	104	91
Total Income	3408	3835	4171	4695	5055	5499	5857	6322	6837	7137
Total Expenditure	909	902	1170	1387	1411	1417	1727	1897	2038	2010
Operating Profit	2499	2932	3001	3308	3643	4083	4130	4425	4799	5127
Interest Expense	1543	1734	2006	2204	2441	2579	2796	3059	3275	3365
Depreciation	30	36	39	39	46	75	59	63	59	64
Profit Before Tax	926	1163	956	1065	1157	1428	1275	1304	1465	1698
Provision for Tax	238	307	242	289	284	379	328	337	377	439
Profit After Tax	688	855	713	776	872	1049	947	967	1087	1259
Adjustments	-3	0	-3	-3	-0	16	1	1	1	0
Profit After Adjustments	685	855	710	773	872	1065	947	968	1088	1260
Adjusted Earnings Per Share	8.3	10.4	8.6	9.4	10.4	12.7	11.3	11.5	12.9	15

Chola Invest & Fin. Profit & Loss

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Operating Revenue	3715	4214	4693	5559	7088	8712	9579	10141	12884	19140	25846	25846
Other Income	186	135	234	3	24	2	61	92	222	282	308	306
Total Income	3900	4349	4928	5562	7111	8714	9640	10233	13106	19422	26154	26153
Total Expenditure	1246	1400	1553	1453	1635	2423	2914	2927	3622	5388	7673	7672
Operating Profit	2654	2949	3374	4108	5477	6291	6726	7306	9484	14034	18481	18481
Interest Expense	1958	2048	2228	2657	3588	4592	4576	4298	5748	9231	12495	12495
Depreciation	30	22	39	51	57	111	102	101	121	198	245	245
Profit Before Tax	666	879	1107	1401	1832	1588	2048	2908	3615	4605	5741	5742
Provision for Tax	222	305	390	483	635	534	527	749	938	1195	1481	1481
Profit After Tax	444	575	718	918	1197	1054	1521	2159	2677	3411	4260	4260
Adjustments	0	0	2	2	1	-0	-1	-5	-12	9	3	3
Profit After Adjustments	444	575	719	919	1198	1054	1521	2154	2665	3420	4263	4263
Adjusted Earnings Per Share	6.1	7.3	9.2	11.8	15.3	12.9	18.5	26.2	32.4	40.7	50.7	50.7

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	35%	37%	24%	21%
Operating Profit CAGR	32%	36%	24%	21%
PAT CAGR	25%	25%	32%	25%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	9%	34%	49%	27%
ROE Average	20%	20%	20%	19%
ROCE Average	10%	10%	10%	11%

Chola Invest & Fin. Balance Sheet

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Shareholder's Funds	3174	3670	4298	5125	6209	8200	9600	11769	14346	19593	23669
Minority's Interest	0	4	2	0	0	0	0	0	0	0	0
Borrowings	12425	10931	15105	35069	45707	51967	59258	65253	90635	86959	117839
Current Liability	7906	12710	10411	3966	5566	3882	5778	5450	8641	49419	59381
Other Liabilities & Provisions	179	292	467	-359	-452	-518	-760	-668	-607	59	49
Total Liabilities	23683	27607	30283	43801	57030	63531	73875	81804	113015	156031	200938
Loans	15468	18188	19935	42244	52611	55396	65839	74145	104810	144463	182038
Investments	16	12	134	23	42	33	1583	2055	3562	2587	3001
Fixed Assets	69	120	150	170	167	283	227	258	403	1563	1780
Other Loans	69	73	123	198	186	210	212	292	354	359	218
Other Non Current Assets	605	449	530	4	18	15	37	71	61	2577	2974
Current Assets	7456	8765	9409	1161	4006	7594	5976	4983	3804	4445	10927
Total Assets	23683	27607	30283	43801	57030	63531	73875	81804	113015	156031	200938

Chola Invest & Fin. Cash Flow

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Opening Cash & Cash Equivalents	676	191	275	278	300	3162	3368	1480	2699	912	846
Cash Flow from Operating Activities	-2264	-2809	-1468	-7926	-9317	-2075	-8848	-5571	-27105	-35683	-32413
Cash Flow from Investing Activities	-40	-140	-222	-60	-11	-54	-1746	1640	-2148	-2855	-2948
Cash Flow from Financing Activities	1819	3031	1692	8009	12191	2452	8707	5150	27466	38471	39795
Net Cash Inflow / Outflow	-485	82	2	22	2862	323	-1888	1218	-1787	-66	4434
Closing Cash & Cash Equivalent	191	275	278	300	3162	3485	1480	2699	912	846	5280

Chola Invest & Fin. Ratios

#	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Earnings Per Share (Rs)	6.14	7.33	9.21	11.76	15.32	12.86	18.55	26.23	32.42	40.72	50.69
CEPS(Rs)	6.6	7.64	9.69	12.39	16.04	14.22	19.8	27.52	34.03	42.96	53.57
DPS(Rs)	0.7	0.9	1.1	1.3	1.3	1.7	2	2	2	2	2
Book NAV/Share(Rs)	37.22	47	55	65.44	79.18	99.68	116.65	142.67	173.5	231.59	278.91
Net Profit Margin	11.96	13.64	15.3	16.51	16.89	12.1	15.88	21.29	20.78	17.82	16.48
Operating Margin	70.64	69.47	71.06	72.99	76.47	70.94	69.14	71.05	72.67	72.29	70.56
PBT Margin	17.93	20.87	23.6	25.2	25.84	18.23	21.38	28.67	28.05	24.06	22.21
ROA(%)	1.97	2.24	2.48	2.48	2.37	1.75	2.21	2.77	2.75	2.54	2.39
ROE(%)	17.91	18.12	18.02	19.5	21.18	14.68	17.16	20.29	20.61	20.23	19.86
ROCE(%)	12.21	11.99	12.22	11.3	10.81	10.3	9.7	9.34	9.72	10.41	10.34
Price/Earnings(x)	19.13	19.46	20.95	24.65	18.89	11.9	30.13	27.39	23.49	28.41	29.98
Price/Book(x)	3.16	3.04	3.51	4.43	3.66	1.53	4.79	5.03	4.39	4.99	5.45
Dividend Yield(%)	0.6	0.63	0.57	0.45	0.45	1.11	0.36	0.28	0.26	0.17	0.13
EV/Net Sales(x)	7.55	7.87	8.23	10.8	9.8	6.95	10.89	12.21	12.18	11.98	11.44
EV/Core EBITDA(x)	10.56	11.25	11.45	14.61	12.69	9.62	15.5	16.95	16.55	16.34	16
Interest Earned Growth(%)	13.28	13.43	11.38	18.43	27.51	22.92	9.96	5.86	27.05	48.55	35.04
Net Profit Growth	20.6	29.39	24.93	27.83	30.43	-11.93	44.33	41.9	23.98	27.42	24.9
EPS Growth(%)	19.42	19.39	25.55	27.74	30.3	-16.1	44.25	41.42	23.59	25.6	24.5
Interest Coverage(x) %	1.34	1.43	1.5	1.53	1.51	1.35	1.45	1.68	1.63	1.5	1.46

Chola Invest & Fin. Shareholding Pattern

#	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	51.49	51.47	51.46	51.43	50.37	50.35	50.33	50.24	49.93	49.92
FII	19.37	19.62	20.91	21.5	24.72	25.99	26.62	27.17	27.42	28.23
DII	21.25	21.47	20.38	20.04	18.39	17.04	16.87	16.58	16.11	15.49
Public	7.89	7.43	7.26	7.03	6.52	6.61	6.19	6.01	6.54	6.36
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoter	42.31	42.31	42.31	42.3	42.3	42.3	42.29	42.22	41.98	41.98
FII	15.92	16.13	17.19	17.68	20.76	21.83	22.36	22.83	23.05	23.74
DII	17.46	17.65	16.76	16.49	15.44	14.31	14.17	13.94	13.54	13.03
Public	6.48	6.11	5.97	5.78	5.47	5.55	5.2	5.05	5.5	5.35
Others	0	0	0	0	0	0	0	0	0	0
Total	82.18	82.2	82.22	82.25	83.97	84	84.02	84.04	84.08	84.09

Pros

Company has delivered good profit growth of 32% CAGR over last 5 years
Company has a good return on equity (ROE) track record: 3 Years ROE 20%

Cons

Promoter holding is low: 49.92%.
Stock is trading at 5.5 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.