Cholamandalam Investment and Finance Company Limited

CHOLAFIN.BO

CHOLAFIN.BOCholamandalam Investment and Finance Company Limited IN flag

Bombay Stock Exchange

1,633.25

INR

+14.00

(+0.86%)

50.52EPS

32.33P/E

1.37TMarket Cap

Jul 24Next Earn

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ISIN

INE121A01024

Return %

Stock

S&P500

26.44

12.11

156.18

52.58

1,184.00

103.52

Use logarithmic scale

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	TTM
Revenue per Share	19.98	23.18	27.63	31.5	36.13	37.43	44.93	52.49	61.25	71.46	86.97	122.65	162.51	162.54
Basic EPS, GAAP	4.6	5.15	6.14	7.58	9.21	11.76	15.33	13.39	18.55	26.24	32.44	41.17	50.72	50.73
Free Cash Flow per Basic Share	-56.6	-34.56	-31.99	-38.25	-19.53	-102.36	-120.32	-27.27	-108.35	-69.06	-332.37	-442.5	-388.04	- -
Dividend per Share	0.81	0.82	0.88	0.89	1.32	1.56	1.57	2.54	1.3	2	2	2.01	2	- -
Book Value per Share	3.47	5.85	4.31	5.16	7.59	8.88	11.83	13.49	17.27	24.07	35.73	66.17	2	2
Tangible Book Value per Share	29.06	31.87	37.21	48.5	54.81	65.17	78.96	103.77	116.76	143.05	173.97	235.42	281.23	281.28
Basic Weighted Avg Shares	670	716	717	755	781	781	782	787	820	821	822	831	840	840
Sales/Revenue/Turnover	13,378	16,591	19,824	23,766	28,220	29,248	35,125	41,316	50,208	58,642	71,452	101,891	136,582	136,582
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	216	246	301	217	390	509	570	1,112	1,023	1,006	1,211	1,981	2,448	2,448
Net Income, GAAP	3,079	3,683	4,441	5,747	7,194	9,193	11,981	10,537	15,209	21,535	26,648	34,201	42,627	42,627
Effective Tax Rate (%)	31.91	33.58	33.34	34.66	35.17	34.49	34.65	33.63	25.71	25.75	25.95	25.89	25.79	25.79
Profit Margin (%)	23.02	22.2	22.4	24.18	25.49	31.43	34.11	25.5	30.29	36.72	37.3	33.57	31.21	31.21
Working Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	152,686	180,752	194,502	225,465	301,616	383,303	505,667	551,297	638,225	692,839	975,244	1,348,478	1,750,360	1,750,360
Total Equity	19,526	22,868	31,737	36,732	43,116	51,258	62,087	81,999	95,998	117,690	143,461	195,932	236,687	236,687
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	1.96	2.17	2.29	2.66	2.69	2.64	2.65	1.96	2.5	3.16	3.1	2.84	2.7	2.7
Return on Common Equity (%)	149.18	113.16	121.03	163.7	146.41	142.83	148.01	106.06	122.77	127.03	108.54	81.11	150.48	150.48

Capital Structure

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in mil. unless spec.

Working Capital

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in mil. unless spec.

Growth Rates

FRC

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in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	21.68%	27.36%	34.05%
Net Income, GAAP	26.33%	32.53%	24.64%
Free Cash Flow	102.61%	136.55%	-11.28%
Total Cash Common Dividend	15.98%	1.93%	0.8%
Total Equity	22.41%	23.79%	20.8%

Growth Rates

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in mil. unless spec.

Quarterly Revenue

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in mil. unless spec.

Quarterly Earnings Per Share

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in mil. unless spec.

Quarterly Dividends Per Share

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in mil. unless spec.

Company Description

CEO: Mr. Murugappan Vellayan Subbiah
Full Time Employees: 38,235
Sector: Financial Services
Industry: Financial - Credit Services
Address: Chola Crest, C54-55 & Super B-4 Chennai India 600032
IPO Date: Jan 3, 2000
Website: cholamandalam.com
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Business: Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and New Businesses segments. It offers financing of two-wheelers, three-wheelers, tractors, cars, multi-utility vehicles, and used passenger vehicles, as well as heavy commercial vehicles, tractors, and construction equipment; and secured loans against property to self-employed and non-professional customers in small and medium-scale industries, service providers, and traders. The company also provides home loans; loans to SMEs; consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professionals, and micro and small businesses; and secured business and personal loans. It also provides wealth management services, such as investment solutions to individual clients and stock broking services to retail and institutional investors; distributes insurance products; and enables payment gateway services for e-commerce businesses and ecommerce solutions. Cholamandalam Investment and Finance Company Limited was incorporated in 1978 and is based in Chennai, India.

	Sep'25	Dec'25	Mar'25
ST Debt	- -	- -	- -
LT Borrowings	- -	- -	- -
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	840	- -	841
Market Capitalization	1,350,941	997,033	1,276,846

	Sep'25	Dec'25	Mar'25
Total Current Assets	- -	- -	- -
Accounts Receivable, Net	- -	- -	- -
Cash, Cash Equivalents & STI	87,092	- -	95,008
Inventories	- -	- -	- -
Total Current Liabilities	- -	- -	- -
Payables & Accruals	- -	- -	- -
ST Debt	- -	- -	- -
Deferred Revenue	- -	- -	- -

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	TTM
Revenue per Share	19.98	23.18	27.63	31.5	36.13	37.43	44.93	52.49	61.25	71.46	86.97	122.65	162.51	162.54
Basic EPS, GAAP	4.6	5.15	6.14	7.58	9.21	11.76	15.33	13.39	18.55	26.24	32.44	41.17	50.72	50.73
Free Cash Flow per Basic Share	-56.6	-34.56	-31.99	-38.25	-19.53	-102.36	-120.32	-27.27	-108.35	-69.06	-332.37	-442.5	-388.04	- -
Dividend per Share	0.81	0.82	0.88	0.89	1.32	1.56	1.57	2.54	1.3	2	2	2.01	2	- -
Book Value per Share	3.47	5.85	4.31	5.16	7.59	8.88	11.83	13.49	17.27	24.07	35.73	66.17	2	2
Tangible Book Value per Share	29.06	31.87	37.21	48.5	54.81	65.17	78.96	103.77	116.76	143.05	173.97	235.42	281.23	281.28
Basic Weighted Avg Shares	670	716	717	755	781	781	782	787	820	821	822	831	840	840
Sales/Revenue/Turnover	13,378	16,591	19,824	23,766	28,220	29,248	35,125	41,316	50,208	58,642	71,452	101,891	136,582	136,582
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	216	246	301	217	390	509	570	1,112	1,023	1,006	1,211	1,981	2,448	2,448
Net Income, GAAP	3,079	3,683	4,441	5,747	7,194	9,193	11,981	10,537	15,209	21,535	26,648	34,201	42,627	42,627
Effective Tax Rate (%)	31.91	33.58	33.34	34.66	35.17	34.49	34.65	33.63	25.71	25.75	25.95	25.89	25.79	25.79
Profit Margin (%)	23.02	22.2	22.4	24.18	25.49	31.43	34.11	25.5	30.29	36.72	37.3	33.57	31.21	31.21
Working Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	152,686	180,752	194,502	225,465	301,616	383,303	505,667	551,297	638,225	692,839	975,244	1,348,478	1,750,360	1,750,360
Total Equity	19,526	22,868	31,737	36,732	43,116	51,258	62,087	81,999	95,998	117,690	143,461	195,932	236,687	236,687
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Capital (%)	1.96	2.17	2.29	2.66	2.69	2.64	2.65	1.96	2.5	3.16	3.1	2.84	2.7	2.7
Return on Common Equity (%)	149.18	113.16	121.03	163.7	146.41	142.83	148.01	106.06	122.77	127.03	108.54	81.11	150.48	150.48

Year	Q1	Q2	Q3	Q4	FY
2023	6.84	6.85	8.34	- -	32.44
2024	8.64	9.4	10.4	- -	41.17
2025	11.27	11.52	12.95	- -	50.72

Year	Q1	Q2	Q3	Q4	FY
2023	16,655	17,270	18,648	18,881	71,452
2024	21,646	24,910	26,138	26,695	101,891
2025	30,604	32,638	35,618	37,722	136,582

Cholamandalam Investment and Finance Company Limited

Growth Rates

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Company Description

Growth Rates

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Capital Structure

Working Capital

Quarterly Dividends Per Share

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Quarterly Earnings Per Share

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Quarterly Revenue

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