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    Finance/Rental/Leasing
Cholamandalam Financial Holdings Ltd

Cholamandalam Financial Holdings Ltd

1,279.50
INR
-36.70
(-2.79%)
320.27EPS
11.66P/E
311.13BMarket Cap
Nov 06Next 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
469.14
514.36
407.3
120.96
474.16
570.38
717.9
770.08
832.98
1,032.28
1,452.74
1,855.23
2,167.09
2,279.81
Basic EPS, GAAP
16.67
22.69
55.49
24.26
29.33
37.13
29.35
43.93
54.5
68.72
94.41
115.76
130.01
142.11
Free Cash Flow per Basic Share
-100.24
-90.12
-26.71
30.3
-341.21
-499.35
-107.19
-521.17
-313.03
-1,575.98
-1,965.09
-1,839.56
-1,618.56
- -
Dividend per Share
5.99
5.76
3.49
3.6
5.21
5.98
7.53
3.11
5.33
5.34
5.49
5.54
6.35
- -
Book Value per Share
104.39
124.39
177.43
147.87
176.48
210.11
244.55
286.91
343.33
854.68
545.42
666.5
823
- -
Tangible Book Value per Share
84.71
104.37
160.24
143.44
171.58
205.12
239.7
282.03
338.37
848.66
539.06
658.52
812.18
- -
Basic Weighted Avg Shares
187
187
187
187
187
188
188
188
188
188
188
188
188
188
Sales/Revenue/Turnover
87,617
96,180
76,258
22,666
88,901
107,036
134,757
144,557
156,378
193,813
272,756
348,370
406,931
428,139
Operating Margin (%)
29.85
31.08
16.23
-5.62
21.66
21.4
15.2
14.15
17.9
18.1
17.51
16.8
16.08
16.46
Depreciation Expense
1,587
1,708
1,630
173
704
779
1,498
1,455
1,542
1,761
2,475
2,957
3,326
3,414
Net Income, GAAP
3,113
4,244
10,389
4,546
5,499
6,967
5,509
8,246
10,231
12,902
17,725
21,737
24,413
26,688
Effective Tax Rate (%)
34.44
31.86
26.71
30.34
33.56
33.78
35.55
26.51
26.33
26.31
26.18
26.03
25.23
25.17
Profit Margin (%)
3.55
4.41
13.62
20.05
6.19
6.51
4.09
5.7
6.54
6.66
6.5
6.24
6
6.23
Working Capital
-23,110
-12,814
-5,930
-1,338
-23,112
33,606
36,559
-10,036
-17,564
-49,598
-90,476
-45,357
-133,330
- -
LT Debt
104,610
132,190
4,049
187,468
241,627
317,650
385,628
394,701
440,713
628,659
865,192
1,171,669
1,328,256
- -
Total Equity
33,151
39,313
37,549
55,416
65,890
78,645
97,019
113,587
136,288
246,465
221,240
269,491
338,800
- -
Return on Invested Capital (%)
8.16
8.66
9.78
-0.43
2.73
2.63
1.62
2.2
2.69
2.68
2.67
2.52
2.33
- -
Return on Capital (%)
6
6.14
10.33
1.82
-0.05
2.62
-0.09
-0.15
-0.23
-0.21
-0.21
-0.2
-0.25
- -
Return on Common Equity (%)
17.25
19.84
36.76
14.91
18.09
19.21
12.91
16.53
17.29
11.47
13.48
19.1
17.46
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
775,745
- -
LT Borrowings
- -
1,328,256
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
188
188
188
Market Capitalization
340,422
256,373
311,128

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
747,940
- -
Cash, Cash Equivalents & STI
- -
174,401
- -
Accounts Receivable, Net
- -
3,271
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
881,270
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
775,745
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
26.44%
27.62%
25.72%
Free Cash Flow
-71.62%
73.98%
-12.01%
Net Income, GAAP
14.27%
24.5%
12.31%
Sales/Revenue/Turnover
39.29%
23.48%
16.81%
Total Cash Common Dividend
12.01%
18%
14.77%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
79,833
84,094
89,491
95,197
348,370
2026
94,999
101,276
104,607
108,405
406,931
2027
113,851
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
29.2
27.99
25.89
32.68
115.76
2026
30.81
29.28
33.32
36.59
130.01
2027
42.92
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
5.54
2026
- -
- -
- -
- -
6.35
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ravindra Kumar Kundu
Full Time Employees
54,000
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Dare House Chennai TN India 600001
IPO Date
May 17, 1994
Website
cholafhl.com
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Business
Cholamandalam Financial Holdings Limited (CFHL), a core investment company registered as a non-deposit taking systemically important CIC with the Reserve Bank of India, serves as the holding entity for the financial services arm of the Murugappa Group and operates primarily through its subsidiaries offering diversified financial products and services to individual and corporate customers across India. Incorporated in 1949 and headquartered in Chennai, Tamil Nadu, the company holds significant stakes in Cholamandalam Investment and Finance Company Limited (CIFCL), which provides vehicle finance including commercial vehicle, passenger vehicle, and tractor loans; home loans; loans against property; SME loans; secured business and personal loans; consumer and small enterprise loans; and wealth management services via its securities arm. Additional subsidiaries include Cholamandalam MS General Insurance Company Limited (CMSGICL), a joint venture with Mitsui Sumitomo Insurance offering motor, health, travel, property, and other general insurance products; and Cholamandalam MS Risk Services Limited (CMSRSL), delivering risk management and engineering solutions. CFHL maintains a nationwide presence with over 1,500 branches primarily in rural and semi-urban areas, targeting retail customers, SMEs, and corporates with a focus on secured lending and insurance. In recent developments, CIFCL, the flagship subsidiary, reported assets under management exceeding Rs 1.77 lakh crore as of late 2025, with disbursements growing robustly amid economic recovery; the group strengthened partnerships in FY2025, including enhanced ties with allies like Inogen, Tonkin & Taylor, and others for risk services, while launching long-term projects in cultural transformation, behavior-based safety, and sustainability initiatives through CMSRSL. Consolidated net profit rose 4.64% to Rs 549.92 crore in the September 2025 quarter, reflecting sustained growth post the 2017 demerger that streamlined focus on financial investments, alongside capital raises by subsidiaries such as Rs 4,000 crore in instruments planned for FY2026.