Cholamandalam Fin.

₹1070.9 -16.9 | 1.6%

WEBSITE BSE:504973 NSE : CHOLAHLDNG 10 May, 16:01

Market Cap ₹20109 Cr.

Stock P/E 11.3

P/B 2

Current Price ₹1070.9

Book Value ₹ 545.4

Face Value 1

52W High ₹1282.8

Dividend Yield 0.05%

52W Low ₹ 708.8

Edit Ratio

Cholamandalam Fin. Research see more...

Overview Inc. Year: 1949Industry: Finance - Investment

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.

Cholamandalam Fin. Share Price

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Peer Comparison

Cholamandalam Fin. Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	3726	3743	3937	4298	4725	5186	5626	6300	6795	7083
Other Income	17	52	26	57	52	95	89	73	47	74
Total Income	3744	3794	3963	4355	4777	5281	5715	6372	6842	7158
Total Expenditure	1921	1715	1994	2150	2210	2244	2585	2895	2978	2932
Operating Profit	1823	2079	1969	2205	2567	3038	3130	3477	3864	4226
Interest Expense	1054	1079	1137	1347	1551	1743	2013	2209	2445	2582
Depreciation	38	42	41	42	44	50	52	52	55	88
Profit Before Tax	731	958	791	816	972	1245	1065	1216	1363	1556
Provision for Tax	188	267	204	207	249	346	270	325	336	430
Profit After Tax	543	691	587	609	723	899	795	891	1027	1126
Adjustments	-294	-386	-320	-326	-391	-492	-424	-470	-559	-613
Profit After Adjustments	249	305	267	283	332	408	371	421	467	513
Adjusted Earnings Per Share	13.3	16.2	14.3	15.1	17.7	21.7	19.8	22.4	24.9	27.3

Cholamandalam 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	8010	9108	10006	3975	2688	8909	10926	13185	13904	14644	18146	25804
Other Income	59	146	208	-15	1	2	22	1	61	183	245	283
Total Income	8068	9254	10214	3960	2689	8911	10948	13187	13965	14827	18391	26087
Total Expenditure	5742	6410	6971	2583	2377	4491	5148	6639	6811	7301	8613	11390
Operating Profit	2327	2844	3243	1377	312	4420	5800	6548	7154	7526	9779	14697
Interest Expense	1520	1896	2103	839	0	2655	3587	4592	4608	4328	5778	9249
Depreciation	133	159	171	25	17	70	78	150	145	154	176	247
Profit Before Tax	674	789	1003	1276	295	1695	2135	1806	2400	3044	3824	5200
Provision for Tax	217	272	320	335	89	569	721	642	636	801	1006	1361
Profit After Tax	457	518	684	942	205	1126	1414	1164	1764	2242	2818	3839
Adjustments	-168	-206	-259	102	249	-576	-717	-613	-939	-1219	-1528	-2066
Profit After Adjustments	289	311	424	1044	455	550	697	551	825	1023	1290	1772
Adjusted Earnings Per Share	15.5	16.7	22.7	55.7	24.2	29.3	37.1	29.3	43.9	54.5	68.7	94.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	24%	11%	15%	9%
Operating Profit CAGR	30%	14%	17%	15%
PAT CAGR	26%	34%	20%	20%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	49%	24%	16%	18%
ROE Average	40%	38%	36%	32%
ROCE Average	11%	11%	11%	13%

Cholamandalam 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	1659	1951	2828	3324	2764	3310	3944	4591	5386	6446	7661
Minority's Interest	1159	1364	1604	431	438	3279	3921	5111	5973	7183	8597
Borrowings	8929	10461	13219	405	0	28563	39158	45615	51881	58893	74902
Current Liability	10253	11961	11274	3866	2465	15714	17883	16915	21236	20668	34066
Other Liabilities & Provisions	1091	1491	1268	1627	2156	2102	2424	2935	3166	3713	4910
Total Liabilities	23092	27228	30192	9653	7823	52968	67329	75168	87642	96902	130136
Loans	11474	13351	15468	0	0	42244	52611	55396	65839	74145	104810
Investments	1282	1869	2314	4773	6128	5966	7479	8807	11536	13190	17449
Fixed Assets	1258	1318	1521	1336	73	282	277	450	418	436	594
Other Loans	625	227	252	213	213	274	291	395	403	592	696
Other Non Current Assets	622	813	645	57	1	154	830	1089	1238	991	1224
Current Assets	7831	9650	9992	3273	1407	4018	5812	9002	8179	7519	5312
Total Assets	23092	27228	30192	9653	7823	52968	67329	75168	87642	96902	130136

Cholamandalam 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	400	760	795	352	793	317	476	3279	3696	1602	2801
Cash Flow from Operating Activities	-3228	-1872	-1685	-500	594	-6302	-9274	-1914	-9719	-5738	-29329
Cash Flow from Investing Activities	-862	-499	-463	444	-653	-1825	-93	-96	-62	-135	-257
Cash Flow from Financing Activities	4465	2643	1704	748	-69	8287	12171	2427	7688	7073	27840
Net Cash Inflow / Outflow	374	272	-445	692	-128	160	2803	417	-2093	1199	-1746
Closing Cash & Cash Equivalent	798	1032	352	793	55	476	3279	3696	1602	2801	1055

Cholamandalam 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)	15.46	16.66	22.67	55.7	24.24	29.33	37.12	29.35	43.93	54.51	68.7
CEPS(Rs)	31.57	36.18	45.65	51.58	11.87	63.8	79.47	69.98	101.72	127.67	159.44
DPS(Rs)	1	1	1	2.5	1.25	1.25	1.25	0.65	0.55	0.55	0.55
Book NAV/Share(Rs)	88.89	104.39	124.38	177.43	147.4	175.95	209.09	242.96	285.19	340.56	403.56
Net Profit Margin	5.7	5.68	6.83	23.69	7.64	12.64	12.94	8.83	12.69	15.31	15.53
Operating Margin	27.39	29.48	31.05	53.21	10.98	48.82	52.37	48.52	50.4	50.34	52.92
PBT Margin	8.41	8.67	10.03	32.11	10.97	19.02	19.54	13.69	17.26	20.78	21.08
ROA(%)	2.29	2.06	2.38	4.73	2.35	3.7	2.35	1.63	2.17	2.43	2.48
ROE(%)	30.76	28.67	31.95	33.33	6.74	37.14	39.14	27.43	35.59	38.18	40.34
ROCE(%)	13.77	13.54	13.75	14.83	7.84	19.65	11.93	11.21	10.87	10.18	10.64
Price/Earnings(x)	10.61	10.83	16.13	6.95	25.83	22.14	12.9	9.88	13.65	11.34	7.85
Price/Book(x)	1.84	1.73	2.94	2.18	4.25	3.69	2.29	1.19	2.1	1.81	1.34
Dividend Yield(%)	1.22	1.11	0.55	1.29	0.2	0.19	0.26	0.22	0.09	0.09	0.1
EV/Net Sales(x)	2.36	2.37	2.72	1.85	4.22	5.52	5.08	4.04	4.95	5.15	5.74
EV/Core EBITDA(x)	8.12	7.6	8.39	5.35	36.33	11.12	9.57	8.13	9.62	10.02	10.65
Interest Earned Growth(%)	20.59	13.71	9.85	-60.27	-67.57	231.46	22.63	20.68	5.45	5.32	23.92
Net Profit Growth	29.73	13.34	32.1	37.78	-79.61	448.35	25.57	-17.68	51.57	27.12	25.69
EPS Growth(%)	7.09	7.76	36.13	145.64	-56.47	20.97	26.56	-20.93	49.7	24.06	26.05
Interest Coverage(x) %	1.44	1.42	1.48	2.52	951.77	1.64	1.6	1.39	1.52	1.7	1.66

Cholamandalam Fin. Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	48.61	48.61	48.61	48.61	48.61	48.4	48.4	47.37	47.37	47.37
FII	12.13	11.66	11.82	11.63	11.47	11.86	11.17	12.8	12.75	13.65
DII	25.32	25.63	25.63	27.13	27.15	27.16	27.75	27.3	26.55	25.84
Public	13.92	14.09	13.92	12.62	12.77	12.59	12.68	12.53	13.33	13.14
Others	0.01	0.01	0.01	0.01	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	9.13	9.13	9.13	9.13	9.13	9.09	9.09	8.9	8.9	8.9
FII	2.28	2.19	2.22	2.18	2.15	2.23	2.1	2.4	2.39	2.56
DII	4.75	4.81	4.81	5.09	5.1	5.1	5.21	5.13	4.98	4.85
Public	2.61	2.64	2.61	2.37	2.4	2.36	2.38	2.35	2.5	2.47
Others	0	0	0	0	0	0	0	0	0	0
Total	18.77	18.77	18.77	18.78	18.78	18.78	18.78	18.78	18.78	18.78

Pros

Company has a good return on equity (ROE) track record: 3 Years ROE 38%

Cons

Promoter holding is low: 47.37%.

* 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.

Cholamandalam Fin. News

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Cholamandalam Fin.

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Cholamandalam Fin. Research see more...

Overview Inc. Year: 1949Industry: Finance - Investment

Cholamandalam Fin. Share Price

Alert Data

Quarterly Price

Peer Comparison

Cholamandalam Fin. Quarterly Results

Cholamandalam Fin. Profit & Loss

Growth Rates

Cholamandalam Fin. Balance Sheet

Cholamandalam Fin. Cash Flow

Cholamandalam Fin. Ratios

Cholamandalam Fin. Shareholding Pattern

Cholamandalam Fin. News

Top Unlisted Companies & InstaBuy Companies

SBI Mutual Fund

Orbis Financial

Orbis Financial

IPO

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