WEBSITE BSE:504973 NSE: CHOLAHLDNG Inc. Year: 1949 Industry: Finance - Investment
Last updated: 15:50
Cholamandalam Financial Holdings Ltd is an India-based funding holding company. The Company's operations are engaged into primary products/carrier segments, including Financial Services, and Insurance and allied offerings. The Company, through its subsidiaries, Cholamandalam MS General Insurance Company Ltd (CMSGICL), is engaged in general coverage enterprise,Cholamandalam MS Risk Services Ltd (CMSRSL), is engaged in risk control and engineering solutions business and Cholamandalam Investment and Finance Company Limited (CIFCL), is engaged in...Read More
Cholamandalam Financial Holdings Ltd is an India-based funding holding company. The Company's operations are engaged into primary products/carrier segments, including Financial Services, and Insurance and allied offerings. The Company, through its subsidiaries, Cholamandalam MS General Insurance Company Ltd (CMSGICL), is engaged in general coverage enterprise,Cholamandalam MS Risk Services Ltd (CMSRSL), is engaged in risk control and engineering solutions business and Cholamandalam Investment and Finance Company Limited (CIFCL), is engaged in non-banking monetary business. CIFCL is a financial service provider, which gives vehicle finance, domestic loans and loans against property to quite a number of its clients. CMSGICL gives a range of insurance, consisting of motor, travel, health, accident, home and different varieties of coverage for its customers. CMSRSL is engaged in offering risk management and engineering solutions inside the area of protection, fitness and surroundings. ...Read Less
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Market Cap ₹33280 Cr.
Stock P/E 7
P/B 2.4
Current Price ₹1772.3
Book Value ₹ 728
Face Value 1
52W High ₹2299
Dividend Yield 0.07%
52W Low ₹ 1360.9
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 5626 | 6317 | 6795 | 7066 | 7633 | 8090 | 8489 | 8913 | 9296 | 9461 |
| Other Income | 89 | 55 | 47 | 92 | 45 | 90 | 104 | 96 | 87 | 128 |
| Total Income | 5715 | 6372 | 6842 | 7158 | 7677 | 8180 | 8593 | 9009 | 9383 | 9589 |
| Total Expenditure | 2585 | 2895 | 2978 | 2932 | 3253 | 3537 | 3772 | 3709 | 4142 | 4359 |
| Operating Profit | 3130 | 3477 | 3864 | 4226 | 4425 | 4643 | 4821 | 5300 | 5241 | 5230 |
| Interest Expense | 2013 | 2209 | 2445 | 2582 | 2796 | 3058 | 3280 | 3361 | 3468 | 3518 |
| Depreciation | 52 | 52 | 55 | 88 | 70 | 74 | 72 | 79 | 79 | 83 |
| Profit Before Tax | 1065 | 1216 | 1363 | 1556 | 1559 | 1512 | 1469 | 1860 | 1695 | 1630 |
| Provision for Tax | 270 | 325 | 336 | 430 | 400 | 387 | 378 | 500 | 437 | 417 |
| Profit After Tax | 795 | 891 | 1027 | 1126 | 1159 | 1124 | 1091 | 1360 | 1258 | 1212 |
| Adjustments | -424 | -470 | -559 | -613 | -611 | -599 | -605 | -746 | -680 | -662 |
| Profit After Adjustments | 371 | 421 | 467 | 513 | 548 | 526 | 486 | 614 | 579 | 550 |
| Adjusted Earnings Per Share | 19.8 | 22.4 | 24.9 | 27.3 | 29.2 | 28 | 25.9 | 32.7 | 30.8 | 29.3 |
| #(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 | 10006 | 3975 | 2688 | 8909 | 10926 | 13185 | 13904 | 14644 | 18146 | 25804 | 33125 | 36159 |
| Other Income | 208 | -15 | 1 | 2 | 22 | 1 | 61 | 183 | 244 | 305 | 394 | 415 |
| Total Income | 10214 | 3960 | 2689 | 8911 | 10948 | 13187 | 13965 | 14827 | 18390 | 26109 | 33519 | 36574 |
| Total Expenditure | 6971 | 2583 | 2377 | 4491 | 5148 | 6639 | 6811 | 7301 | 8612 | 11412 | 14330 | 15982 |
| Operating Profit | 3243 | 1377 | 312 | 4420 | 5800 | 6548 | 7154 | 7526 | 9779 | 14697 | 19189 | 20592 |
| Interest Expense | 2103 | 839 | 0 | 2655 | 3587 | 4592 | 4608 | 4328 | 5778 | 9249 | 12494 | 13627 |
| Depreciation | 171 | 25 | 17 | 70 | 78 | 150 | 145 | 154 | 176 | 248 | 296 | 313 |
| Profit Before Tax | 1003 | 1276 | 295 | 1695 | 2135 | 1806 | 2400 | 3044 | 3824 | 5200 | 6400 | 6654 |
| Provision for Tax | 320 | 335 | 89 | 569 | 721 | 642 | 636 | 801 | 1006 | 1361 | 1666 | 1732 |
| Profit After Tax | 684 | 942 | 205 | 1126 | 1414 | 1164 | 1764 | 2242 | 2818 | 3838 | 4734 | 4921 |
| Adjustments | -259 | 102 | 249 | -576 | -717 | -613 | -939 | -1219 | -1528 | -2066 | -2560 | -2693 |
| Profit After Adjustments | 424 | 1044 | 455 | 550 | 697 | 551 | 825 | 1023 | 1290 | 1773 | 2174 | 2229 |
| Adjusted Earnings Per Share | 22.7 | 55.7 | 24.2 | 29.3 | 37.1 | 29.3 | 43.9 | 54.5 | 68.7 | 94.4 | 115.7 | 118.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 28% | 31% | 20% | 13% |
| Operating Profit CAGR | 31% | 37% | 24% | 19% |
| PAT CAGR | 23% | 28% | 32% | 21% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 23% | 44% | 27% | 16% |
| ROE Average | 42% | 42% | 40% | 34% |
| ROCE Average | 11% | 11% | 11% | 12% |
| #(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 | 2828 | 3324 | 2764 | 3310 | 3944 | 4591 | 5386 | 6446 | 7661 | 10242 | 12515 |
| Minority's Interest | 1604 | 431 | 438 | 3279 | 3921 | 5111 | 5973 | 7183 | 8597 | 11882 | 14434 |
| Borrowings | 13219 | 405 | 0 | 28563 | 39158 | 45615 | 51881 | 58893 | 74902 | 86519 | 117167 |
| Current Liability | 11274 | 3866 | 2465 | 15714 | 17883 | 16915 | 21236 | 20668 | 34066 | 53033 | 63735 |
| Other Liabilities & Provisions | 1268 | 1627 | 2156 | 2102 | 2424 | 2935 | 3166 | 3713 | 4910 | 14417 | 15836 |
| Total Liabilities | 30192 | 9653 | 7823 | 52968 | 67329 | 75168 | 87642 | 96902 | 130136 | 176093 | 223687 |
| Loans | 15468 | 0 | 0 | 42244 | 52611 | 55396 | 65839 | 74145 | 104810 | 144463 | 182038 |
| Investments | 2314 | 4773 | 6128 | 5966 | 7479 | 8807 | 11536 | 13190 | 17449 | 17695 | 18916 |
| Fixed Assets | 1521 | 1336 | 73 | 282 | 277 | 450 | 418 | 436 | 594 | 1755 | 2000 |
| Other Loans | 252 | 213 | 213 | 274 | 291 | 395 | 403 | 592 | 696 | 599 | 396 |
| Other Non Current Assets | 645 | 57 | 1 | 154 | 830 | 1089 | 1238 | 991 | 1224 | 4457 | 5632 |
| Current Assets | 9992 | 3273 | 1407 | 4018 | 5812 | 9002 | 8179 | 7519 | 5312 | 7059 | 14677 |
| Total Assets | 30192 | 9653 | 7823 | 52968 | 67329 | 75168 | 87642 | 96902 | 130136 | 176093 | 223687 |
| #(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 | 795 | 352 | 793 | 317 | 476 | 3279 | 3696 | 1602 | 2801 | 1055 | 973 |
| Cash Flow from Operating Activities | -1685 | -500 | 594 | -6302 | -9274 | -1914 | -9719 | -5738 | -29329 | -35726 | -34201 |
| Cash Flow from Investing Activities | -463 | 444 | -653 | -1825 | -93 | -96 | -62 | -135 | 295 | -2625 | -1038 |
| Cash Flow from Financing Activities | 1704 | 748 | -69 | 8287 | 12171 | 2427 | 7688 | 7073 | 27288 | 38269 | 39652 |
| Net Cash Inflow / Outflow | -445 | 692 | -128 | 160 | 2803 | 417 | -2093 | 1199 | -1746 | -82 | 4413 |
| Closing Cash & Cash Equivalent | 352 | 793 | 55 | 476 | 3279 | 3696 | 1602 | 2801 | 1055 | 973 | 5386 |
| # | 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) | 22.67 | 55.7 | 24.24 | 29.33 | 37.12 | 29.35 | 43.93 | 54.51 | 68.7 | 94.38 | 115.74 |
| CEPS(Rs) | 45.65 | 51.58 | 11.87 | 63.8 | 79.47 | 69.98 | 101.72 | 127.67 | 159.44 | 217.57 | 267.82 |
| DPS(Rs) | 1 | 2.5 | 1.25 | 1.25 | 1.25 | 0.65 | 0.55 | 0.55 | 0.55 | 0.55 | 1.3 |
| Book NAV/Share(Rs) | 124.38 | 177.43 | 147.4 | 175.95 | 209.09 | 242.96 | 285.19 | 340.56 | 403.56 | 541.68 | 660.98 |
| Net Profit Margin | 6.83 | 23.69 | 7.64 | 12.64 | 12.94 | 8.83 | 12.69 | 15.31 | 15.53 | 14.88 | 14.29 |
| Operating Margin | 31.05 | 53.21 | 10.98 | 48.82 | 52.37 | 48.52 | 50.4 | 50.34 | 52.92 | 56 | 57.04 |
| PBT Margin | 10.03 | 32.11 | 10.97 | 19.02 | 19.54 | 13.69 | 17.26 | 20.78 | 21.08 | 20.15 | 19.32 |
| ROA(%) | 2.38 | 4.73 | 2.35 | 3.7 | 2.35 | 1.63 | 2.17 | 2.43 | 2.48 | 2.51 | 2.37 |
| ROE(%) | 31.95 | 33.33 | 6.74 | 37.14 | 39.14 | 27.43 | 35.59 | 38.18 | 40.34 | 43.25 | 41.92 |
| ROCE(%) | 13.75 | 14.83 | 7.84 | 19.65 | 11.93 | 11.21 | 10.87 | 10.18 | 10.64 | 11.6 | 11.41 |
| Price/Earnings(x) | 16.13 | 6.95 | 25.83 | 22.14 | 12.9 | 9.88 | 13.65 | 11.34 | 7.85 | 11.81 | 15.14 |
| Price/Book(x) | 2.94 | 2.18 | 4.25 | 3.69 | 2.29 | 1.19 | 2.1 | 1.81 | 1.34 | 2.06 | 2.65 |
| Dividend Yield(%) | 0.55 | 1.29 | 0.2 | 0.19 | 0.26 | 0.22 | 0.09 | 0.09 | 0.1 | 0.05 | 0.07 |
| EV/Net Sales(x) | 2.72 | 1.85 | 4.22 | 5.52 | 5.08 | 4.04 | 4.95 | 5.15 | 5.74 | 5.91 | 6.04 |
| EV/Core EBITDA(x) | 8.39 | 5.35 | 36.33 | 11.12 | 9.57 | 8.13 | 9.62 | 10.02 | 10.65 | 10.38 | 10.42 |
| Interest Earned Growth(%) | 9.85 | -60.27 | -67.57 | 231.46 | 22.63 | 20.68 | 5.45 | 5.32 | 23.92 | 42.2 | 28.38 |
| Net Profit Growth | 32.1 | 37.78 | -79.61 | 448.35 | 25.57 | -17.68 | 51.57 | 27.12 | 25.69 | 36.2 | 23.33 |
| EPS Growth(%) | 36.13 | 145.64 | -56.47 | 20.97 | 26.56 | -20.93 | 49.7 | 24.06 | 26.05 | 37.38 | 22.63 |
| Interest Coverage(x) % | 1.48 | 2.52 | 951.77 | 1.64 | 1.6 | 1.39 | 1.52 | 1.7 | 1.66 | 1.56 | 1.51 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 48.4 | 47.37 | 47.37 | 47.37 | 47.32 | 47.32 | 46.45 | 46.45 | 46.44 | 46.42 |
| FII | 11.17 | 12.8 | 12.75 | 13.65 | 13.6 | 16.15 | 16.24 | 17.53 | 18.19 | 17.26 |
| DII | 27.75 | 27.3 | 26.55 | 25.84 | 26.1 | 23.6 | 23.52 | 22.4 | 22.02 | 23.11 |
| Public | 12.68 | 12.53 | 13.33 | 13.14 | 12.98 | 12.94 | 13.79 | 13.61 | 13.35 | 13.21 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 9.09 | 8.9 | 8.9 | 8.9 | 8.89 | 8.89 | 8.72 | 8.72 | 8.72 | 8.72 |
| FII | 2.1 | 2.4 | 2.39 | 2.56 | 2.55 | 3.03 | 3.05 | 3.29 | 3.42 | 3.24 |
| DII | 5.21 | 5.13 | 4.98 | 4.85 | 4.9 | 4.43 | 4.42 | 4.21 | 4.14 | 4.34 |
| Public | 2.38 | 2.35 | 2.5 | 2.47 | 2.44 | 2.43 | 2.59 | 2.56 | 2.51 | 2.48 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 | 18.78 |
* The pros and cons are machine generated.
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