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Cholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited

CHOLAFIN.BO
Cholamandalam Investment and Finance Company LimitedIN flagBombay Stock Exchange
1,854.55
INR
+3.45
- -
1.58TMarket Cap
Cholamandalam Investment and Finance Company Limited
CHOLAFIN.BO
(Bombay Stock Exchange)

Recent

price

1,854.55

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
13.53
15.44
19.98
23.18
27.63
31.5
36.13
37.43
44.93
52.49
61.25
71.46
86.97
119.63
162.51
203.2
172.3
Revenue per Share
1.55
2.82
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
61.98
52.98
Basic EPS, GAAP
-60.41
-60.16
-56.6
-34.56
-31.99
-38.25
-19.53
-102.36
-120.32
-27.27
-108.35
-69.06
-332.37
-442.47
-388.04
-358.74
- -
Free Cash Flow per Basic Share
0.22
0.69
0.81
0.82
0.88
0.89
1.32
1.56
1.57
2.54
1.3
2
2
2.01
2
2.01
- -
Dividend per Share
3.11
3.01
3.47
5.85
4.31
5.16
7.59
8.88
11.83
13.49
17.27
24.07
35.73
66.17
103.78
2.02
- -
Book Value per Share
19.44
23.33
29.06
31.87
37.21
48.5
54.81
65.17
78.96
103.77
116.76
143.05
173.97
235.41
281.23
360.26
- -
Tangible Book Value per Share
544
599
670
716
717
755
781
781
782
787
820
821
822
831
840
844
841
Basic Weighted Avg Shares
7,360
9,253
13,378
16,591
19,824
23,766
28,220
29,248
35,125
41,316
50,208
58,642
71,452
99,389
136,580
171,546
144,827
Sales/Revenue/Turnover
130.71
136.16
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
100
104
216
246
301
217
390
509
570
1,112
1,023
1,006
1,211
1,981
2,448
2,839
2,533
Depreciation Expense
846
1,690
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
52,326
44,534
Net Income, GAAP
31.09
41.59
31.91
33.58
33.34
34.66
35.17
34.49
34.65
33.63
25.71
25.75
25.95
25.94
25.79
25
25.79
Effective Tax Rate (%)
11.49
18.26
23.02
22.2
22.4
24.18
25.49
31.43
34.11
25.5
30.29
36.72
37.3
34.41
31.21
30.5
30.75
Profit Margin (%)
6,375
-2,401
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
80,089
114,441
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
1,755,947
2,110,696
- -
LT Debt
10,620
14,037
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
304,584
- -
Total Equity
10.85
5.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
7.07
5.09
1.96
2.17
2.29
2.66
2.69
2.64
2.65
1.96
2.5
3.16
3.1
2.84
2.63
2.65
5.4
Return on Capital (%)
18.26
96.66
149.18
113.16
121.03
163.7
146.41
142.83
148.01
106.06
122.77
127.03
108.54
81.11
59.96
117.69
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
841
- -
Market Capitalization
997,033
1,277,050
1,367,786

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
65,213
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
23.71%
26.11%
28.69%
Free Cash Flow
99.32%
72.37%
-7.13%
Net Income, GAAP
25.66%
28.21%
22.75%
Sales/Revenue/Turnover
22.24%
28.15%
25.6%
Total Cash Common Dividend
15.34%
11.46%
0.84%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21,646
24,910
26,138
26,695
99,389
2025
30,604
32,638
35,617
37,722
136,580
2026
38,850
43,629
48,105
- -
171,546

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8.64
9.4
10.4
- -
41.17
2025
11.27
11.52
12.95
14.98
50.72
2026
13.53
15.29
19.33
- -
61.98

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.01
2025
- -
- -
- -
- -
2
2026
- -
- -
- -
- -
2.01
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Business
Cholamandalam Investment and Finance Company Limited (CHOLAFIN.BO) is a diversified non-banking financial company (NBFC) in India that provides a broad range of lending and financial services to retail, SME, and corporate customers; its core offerings include vehicle finance for commercial vehicles, passenger vehicles, and construction equipment, home loans and loan against property, consumer and small enterprise loans (CSEL), secured business and personal loans (SBPL), SME loans, corporate financing for small and medium enterprises and large corporations, and housing finance through its wholly-owned subsidiary Cholamandalam Home Finance. Founded in 1978 and headquartered in Chennai, Tamil Nadu, the company operates as part of the Murugappa Group with over 1,387 branches and more than 54,000 employees primarily serving customers in smaller towns across India. It targets underserved rural and semi-urban markets in vehicle and home financing segments while expanding into consumer durables and gold loans. In recent developments, the company raised Rs 4,000 crore through equity and compulsorily convertible debentures from marquee investors in 2024, crossed Rs 1.5 lakh crore in assets under management (AUM), reported profit after tax of Rs 3,400 crore, launched CSEL, SBPL, and SME loan divisions contributing 13% to AUM as of June 2024, entered strategic fintech partnerships with BankBazaar, Kreditbee, and Paytail, acquired stakes in collection and fintech entities including 16.29% in Paytail Commerce Private Limited, and accepted bids for a Rs 5 billion subordinated bond issue maturing in seven years in November 2025.