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Cholamandalam Investment and Finance Co. Ltd.

Cholamandalam Investment and Finance Co. Ltd.

1,472.50
INR
-58.40
(-3.81%)
67.43EPS
26.50P/E
1.53TMarket Cap
Oct 28Next Earn
Cholamandalam Investment and Finance Co. Ltd.
NSE:CHOLAFIN
(National Stock Exchange of India)

Recent

price

1,472.50

P/E

ratio

26.50

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
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
159.57
198.43
212.32
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
67.55
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
-388.03
-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
17.81
21.18
27.29
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
- -
Book Value per Share
17.74
21.1
27.2
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
- -
Tangible Book Value per Share
544
599
670
716
717
755
781
781
782
787
820
821
822
831
840
844
848
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
71,453
99,389
134,111
167,524
180,078
Sales/Revenue/Turnover
130.71
136.16
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
100
104
216
246
301
217
390
509
570
1,113
1,023
1,006
1,211
1,981
2,448
2,839
2,879
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
26,649
34,201
42,627
52,326
57,292
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
25.8
25.01
24.96
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
31.78
31.24
31.82
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
2,116,858
- -
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
9.32
4.38
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
6.55
4.72
1.79
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 Capital (%)
9.27
13.71
18.35
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
- -
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.