1. India Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Cholamandalam Investment and Finance Co. Ltd.

Cholamandalam Investment and Finance Co. Ltd.

1,530.90
INR
+1.00
(+0.07%)
67.43EPS
26.50P/E
1.53TMarket Cap
Oct 28Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
23.18
27.63
31.5
36.13
37.43
44.93
52.49
61.25
71.46
86.97
119.63
159.57
198.43
212.32
Basic EPS, GAAP
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
67.55
Free Cash Flow per Basic Share
-34.56
-31.99
-38.25
-19.53
-102.36
-120.32
-27.27
-108.35
-69.06
-332.37
-442.47
-388.03
-358.74
- -
Dividend per Share
0.82
0.88
0.89
1.32
1.56
1.57
2.54
1.3
2
2
2.01
2
2.01
- -
Book Value per Share
31.94
37.22
47
55.15
65.57
79.42
100.05
117.07
143.34
174.52
233.26
281.46
357.48
- -
Tangible Book Value per Share
31.86
37.17
46.82
54.77
65.15
78.95
99.67
116.71
142.96
173.88
232.83
281.06
356.97
- -
Basic Weighted Avg Shares
716
717
755
781
781
782
787
820
821
822
831
840
844
848
Sales/Revenue/Turnover
16,591
19,824
23,766
28,220
29,248
35,125
41,316
50,208
58,642
71,453
99,389
134,111
167,524
180,078
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
246
301
217
390
509
570
1,113
1,023
1,006
1,211
1,981
2,448
2,839
2,879
Net Income, GAAP
3,683
4,441
5,747
7,194
9,193
11,981
10,537
15,209
21,535
26,649
34,201
42,627
52,326
57,292
Effective Tax Rate (%)
33.58
33.34
34.66
35.17
34.49
34.65
33.63
25.71
25.75
25.95
25.94
25.8
25.01
24.96
Profit Margin (%)
22.2
22.4
24.18
25.49
31.43
34.11
25.5
30.29
36.72
37.3
34.41
31.78
31.24
31.82
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
2,116,858
- -
Total Equity
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
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.96
2.07
2.35
2.38
2.36
2.39
1.75
2.22
2.79
2.76
2.57
2.41
2.37
- -
Return on Common Equity (%)
17.37
17.77
18.04
18.03
19.49
21.14
14.63
17.09
20.16
20.41
20.15
19.71
19.33
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
844
852
853
Market Capitalization
1,436,576
1,154,255
1,525,960

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
108,897
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

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
21.92%
27.52%
24.91%
Total Cash Common Dividend
15.34%
11.46%
0.84%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
30,604
32,638
35,617
37,722
134,111
2026
38,850
- -
43,629
48,105
167,524
2027
49,493
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
11.27
11.52
12.95
14.98
50.72
2026
13.53
- -
15.29
19.33
61.98
2027
19.33
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
2
2026
- -
- -
- -
- -
2.01
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ravindra Kumar Kundu
Full Time Employees
73,689
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Chola Crest, C54-55 & Super B-4 Chennai TN India 600032
IPO Date
Jan 11, 1995
Website
cholamandalam.com
Similar Companies
SoFi Technologies, Inc. (NASDAQ:SOFI)
Visa Inc. (NYSE:V)
Bajaj Finance Limited (NSE:BAJFINANCE)
Mastercard Incorporated (NYSE:MA)
American Express Company (NYSE:AXP)
One 97 Communications Ltd. (NSE:PAYTM)
Business
Cholamandalam Investment and Finance Company Limited (CIFCL), a core Murugappa Group company founded in 1978 and headquartered in Chennai, India, operates as a diversified non-banking financial company (NBFC) providing vehicle finance, home loans and home equity loans, loans against property, consumer and small enterprise loans (CSEL), secured business and personal loans (SBPL), small and medium enterprise (SME) loans, and corporate financing solutions; it serves retail customers, SMEs, and corporates primarily across India through over 1,387 branches concentrated in smaller towns. The company manages assets under management (AUM) exceeding Rs 2.17 lakh crore as of June 2025, with vehicle finance comprising around 55% of the portfolio, home equity at 23%, and newer segments like CSEL, SBPL, and SME contributing significantly. Recent developments include the launch of gold loans in April 2025, allotment of Rs 500 crore unsecured subordinated non-convertible debentures in November 2025, Rs 4,000 crore raised through equity and compulsorily convertible debentures from marquee investors in 2024, expansion into fintech partnerships with entities like BankBazaar, Kreditbee, and Paytail, and sustained AUM growth past Rs 1.84 lakh crore alongside robust profit after tax of Rs 3,400 crore. CIFCL maintains two wholly-owned subsidiaries, including Cholamandalam Home Finance, and focuses on technology-driven distribution, risk management, and geographic penetration in underserved markets.