Cholamandalam Financial Holdings Ltd logo

Cholamandalam Financial Holdings Ltd

CHOLAHLDNG NSE

Key Fundamentals

SmallcapInvestment CompanyFinancial Services
Market Cap
₹29,235 Cr
Volatility
Moderate
P/E Ratio
10.85
EBITDA
₹22,047 Cr
Return on Equity
16.17%
Debt to Equity
13.76
Book Value
₹822.62
EPS
₹103.82
52W High
₹2,064
52W Low
₹1,305

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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63 extracted metrics + investor summaries across FY10–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

1
  • Company has delivered good profit growth of 24.3% CAGR over last 5 years

Weaknesses

1
  • Company has low interest coverage ratio.

Growth Rate

Revenue Growth
18.28% ↗
Net Income Growth
15.71% ↗
Cash Flow Change
12.19% ↗
ROE
-7.97% ↘
ROCE
-3.26% ↘
EBITDA Margin (Avg.)
-2.86% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 4d ago
AI opinion · based on fundamentals
Risk medium

Cholamandalam Financial Holdings Ltd is a holding company in the financial services sector with a market cap of Rs 29,545 crore, trading at a PE of 4.9x with a price-to-book of 1.89x. The company has delivered 24% compounded profit CAGR over five years and 29% sales CAGR over three years, though the stock has declined 16% over the past year and carries a low interest coverage ratio.

Bull Case 7
  • Strong profit growth track record with 24% compounded profit CAGR over 5 years and 21% TTM profit growth
  • Attractive valuation at PE of 4.9x, significantly below typical financial services sector multiples
  • Robust sales growth with 29% compounded sales CAGR over 3 years and 18% TTM growth indicating sustained business momentum
  • Consistent ROE performance averaging 18% over 5 years and 19% over 3 years, reflecting efficient capital deployment
  • Long-term wealth creation with stock CAGR of 19% over both 3 and 5 year periods and 16% over 10 years
  • Price-to-book of 1.89x is reasonable for a financial holding company delivering 17-19% ROE consistently
  • 10-year compounded sales CAGR of 17% demonstrates sustained long-term business scalability across cycles
Bear Case 8
  • Low interest coverage ratio flagged as a concern, indicating potential stress in servicing debt obligations
  • Stock has declined 16% over the past 1 year, underperforming broader market indices
  • Negligible dividend yield of 0.08%, offering virtually no income return to shareholders
  • ROE has declined from 19% (3-year average) to 17% in the last year, suggesting possible margin or efficiency pressure
  • As a holding company, valuation depends on subsidiary performance and holding company discount may persist or widen
  • TTM profit growth of 21% shows deceleration from 3-year CAGR of 24%, indicating potential growth slowdown
  • 52-week high and low data unavailable (reported as 0), limiting technical price range assessment
  • Debt-to-equity ratio not disclosed, creating uncertainty around leverage levels in a financial services entity

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 12h ago
Positives 1
  • Q1FY27 profit surges 42% YoY Aug 14

    Consolidated net profit rose 42% YoY to ₹1,789 crore for Q1FY27. Total income grew 20% to ₹11,214 crore, driven by financing and insurance subsidiaries.

Neutral 2
  • 77th AGM held on Aug 14 Aug 15

    Shareholders approved FY26 financials, final dividend, and key management appointments at the 77th AGM on August 14, 2026.

  • Analyst call scheduled Aug 14 Aug 1

    Company announced an analyst and investor call on August 14, 2026, to discuss Q1FY27 un-audited financial results for the quarter ended June 30, 2026.

TL;DR: Cholamandalam Financial Holdings delivered a strong Q1FY27 with 42% profit growth and 20% income expansion, reflecting robust momentum across its financing and insurance businesses. No material headwinds emerged in recent news flow. The trend is clearly improving, and sustained subsidiary performance could support continued re-rating.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
5,626
6,317
6,795
7,066
7,633
8,090
8,489
8,913
9,296
9,461
9,949
10,366
11,114
Expenses
2,588
2,898
2,978
2,932
3,253
3,537
3,772
3,709
4,142
4,359
4,487
4,541
4,721
Financing Profit
1,025
1,210
1,371
1,552
1,584
1,496
1,438
1,843
1,687
1,585
1,814
2,070
2,385
Fin. Margin %
18%
19%
20%
22%
21%
18%
17%
21%
18%
17%
18%
20%
21%
Other Income
89
55
48
110
45
91
106
98
88
130
137
156
103
Interest
2,013
2,209
2,445
2,582
2,796
3,058
3,280
3,361
3,468
3,518
3,648
3,755
4,007
Depreciation
52
52
55
88
70
74
72
79
79
83
87
84
87
PBT
1,062
1,213
1,363
1,574
1,559
1,513
1,471
1,862
1,696
1,632
1,863
2,142
2,400
Tax %
25%
27%
25%
27%
26%
26%
26%
27%
26%
26%
26%
24%
25%
Net Profit
792
888
1,027
1,144
1,160
1,125
1,093
1,362
1,260
1,214
1,386
1,626
1,789
EPS in Rs
19.78
22.41
24.88
27.32
29.2
27.99
25.89
32.68
30.81
29.29
33.32
36.59
42.92
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
9,696
8,004
2,688
8,909
10,926
13,135
13,900
14,644
18,154
25,830
33,196
39,156
40,890
Expenses
6,542
7,029
2,377
4,490
5,147
6,588
6,807
7,210
8,597
11,389
14,269
17,523
18,109
Financing Profit
1,051
-1
311
1,764
2,192
1,954
2,485
3,106
3,780
5,191
6,433
7,244
7,854
Fin. Margin %
11%
0%
12%
20%
20%
15%
18%
21%
21%
20%
19%
18%
19%
Other Income
123
1,538
1
0
21
1
60
92
221
256
262
414
525
Interest
2,103
976
0
2,655
3,587
4,592
4,608
4,328
5,778
9,249
12,494
14,388
14,928
Depreciation
171
163
17
70
78
150
145
154
176
248
296
333
341
PBT
1,003
1,374
295
1,695
2,135
1,806
2,400
3,044
3,824
5,200
6,400
7,326
8,037
Tax %
32%
27%
30%
34%
34%
36%
27%
26%
26%
26%
26%
25%
—
Net Profit
684
1,181
538
1,127
1,415
1,165
1,764
2,239
2,810
3,851
4,740
5,485
6,015
EPS in Rs
22.68
55.47
24.26
29.32
37.12
29.34
43.93
54.49
68.71
94.39
116
130
142
Div. Payout %
9%
9%
1%
4%
3%
2%
1%
1%
1%
1%
1%
1%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
37
37
19
19
19
19
19
19
19
19
19
19
Reserves
2,290
3,287
2,745
3,291
3,925
4,572
5,367
6,427
7,642
10,223
12,496
15,435
Borrowing
21,431
1,441
0
38,200
50,447
55,117
63,797
69,229
97,191
1,34,014
1,74,366
2,10,400
Other Liabilities
6,579
4,900
5,129
11,897
13,546
16,147
19,432
22,097
26,181
32,662
37,732
42,476
Total Liabilities
30,338
9,665
7,892
53,407
67,937
75,855
88,616
97,771
1,31,033
1,76,917
2,24,614
2,68,331
Fixed Assets
1,521
1,336
102
311
306
479
447
464
623
1,784
2,029
2,209
CWIP
40
56
0
4
14
11
10
40
60
35
54
97
Investments
2,665
5,141
6,536
6,211
7,552
8,893
11,678
13,282
17,536
20,058
24,271
24,968
Other Assets
26,112
3,131
1,254
46,881
60,065
66,472
76,481
83,984
1,12,813
1,55,041
1,98,260
2,41,056
Total Assets
30,338
9,665
7,892
53,407
67,937
75,855
88,616
97,771
1,31,033
1,76,917
2,24,614
2,68,331
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-1,685
-500
594
-6,302
-9,274
-1,914
-9,719
-5,738
-29,329
-35,726
-34,201
-30,033
Investing
-461
193
-1,263
-1,825
-94
-96
-62
-135
295
-2,625
-1,038
-2,528
Financing
1,704
748
-69
8,287
12,171
2,427
7,688
7,073
27,288
38,269
39,652
35,650
Net Cash Flow
-443
441
-738
160
2,803
417
-2,093
1,199
-1,746
-82
4,413
3,089
Free Cash Flow
-1,822
-674
568
-6,391
-9,367
-2,011
-9,781
-5,874
-29,586
-36,887
-34,528
-30,365
CFO/OP
-41
-13
230
-126
-145
-17
-125
-65
-296
-238
-173
-131
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
19%
21%
15%
18%
19%
13%
17%
17%
18%
20%
19%
17%

Shareholding Pattern

As of Jun 2026
Promoters 46.43%
DIIs 26.89%
FIIs 13.00%
Public 9.66%
Others 3.56%
Government 0.46%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
48.80%
48.80%
48.62%
48.62%
48.62%
48.62%
48.61%
48.61%
48.40%
48.40%
47.37%
47.37%
47.37%
47.32%
47.32%
46.45%
46.45%
46.44%
46.42%
46.38%
46.38%
46.43%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.13%
0.13%
0.13%
0.13%
12.92%
12.87%
13.78%
13.72%
16.27%
16.37%
17.67%
18.32%
17.39%
16.47%
13.80%
13.00%
DIIs
26.89%
27.02%
25.32%
24.77%
25.51%
25.61%
26.37%
26.57%
26.57%
26.65%
26.72%
25.97%
25.26%
25.52%
23.02%
22.94%
21.80%
21.43%
22.52%
23.55%
26.10%
26.89%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
0.46%
Public
10.06%
9.57%
9.36%
9.20%
9.13%
9.10%
8.84%
8.99%
9.05%
9.12%
9.18%
9.87%
9.50%
9.37%
9.40%
10.25%
9.91%
9.86%
9.75%
9.66%
9.75%
9.66%
Others
14.25%
14.62%
16.70%
17.41%
16.75%
16.68%
15.59%
15.25%
15.39%
15.25%
3.34%
3.45%
3.63%
3.61%
3.52%
3.53%
3.70%
3.49%
3.46%
3.49%
3.51%
3.56%
No. of Shareholders
20,697
21,376
21,349
21,226
21,279
22,172
20,962
21,289
21,678
23,170
30,623
43,358
32,532
32,946
38,454
48,703
46,380
50,780
47,995
44,225
47,752
44,121

Documents

Frequently Asked Questions about Cholamandalam Financial Holdings Ltd

What does Cholamandalam Financial Holdings Ltd do?
Cholamandalam Financial Holdings Ltd, part of the Murugappa Group, is an RBI-registered Core Investment Company with interests in lending, general insurance, and risk-management services.[1]
Where is Cholamandalam Financial Holdings Ltd (CHOLAHLDNG) listed?
Cholamandalam Financial Holdings Ltd is listed on the Indian stock exchanges. It is listed on NSE: CHOLAHLDNG and BSE: 504973. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Cholamandalam Financial Holdings Ltd belong to?
Cholamandalam Financial Holdings Ltd operates in the Financial Services sector within the Investment Company industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Cholamandalam Financial Holdings Ltd?
Cholamandalam Financial Holdings Ltd has a market capitalisation of approximately ₹29235.07 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Cholamandalam Financial Holdings Ltd?
The Price-to-Earnings (PE) ratio of Cholamandalam Financial Holdings Ltd is 10.85. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Cholamandalam Financial Holdings Ltd?
Over the past 52 weeks, Cholamandalam Financial Holdings Ltd has traded between a low of ₹1,305 and a high of ₹2,064. This range helps investors understand the stock's price volatility and recent trading levels.
Does Cholamandalam Financial Holdings Ltd pay dividends?
Yes, Cholamandalam Financial Holdings Ltd has a dividend yield of 0.08%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Cholamandalam Financial Holdings Ltd?
Cholamandalam Financial Holdings Ltd has a Return on Equity (ROE) of 16.17%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Cholamandalam Financial Holdings Ltd on Tapetide?
On Tapetide, you can view Cholamandalam Financial Holdings Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Cholamandalam Financial Holdings Ltd, part of the Murugappa Group, is an RBI-registered Core Investment Company with interests in lending, general insurance, and risk-management services.[1]

Website cholafhl.com
CEO Mr. N. Ganesh
Employees 48,434
Listed 2017-09-25
Face Value ₹ 1
Issued Size 18,77,77,462

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