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Cholamandalam Investment and Finance Company Ltd

CHOLAFIN Share Price

1,592.760.24% (-3.84)
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CHOLAFIN Performance & Key Metrics

CHOLAFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
30.626.660.13%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.822.531.34%

CHOLAFIN Analyst Ratings & Forecast

Analyst Ratings data is currently unavailable for this stock

Price Upside

Earnings Growth

Rev. Growth

CHOLAFIN Company Profile

Cholamandalam Investment and Finance Company Limited is a non-banking finance company that provides vehicle finance, home loans and corporate mortgage loans, small and medium enterprises (SME) loans, investment advisory services etc.

Investor Presentation

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Apr 25, 2025

PDF
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CHOLAFIN Similar Stocks (Peers)

Compare with peers Compare with peers 

CHOLAFIN Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
34.77
34.77
1Y Return
27.91%
27.91%
Buy Reco %
70.00
70.00
PE Ratio
115.69
115.69
1Y Return
18.50%
18.50%
Buy Reco %
PE Ratio
13.11
13.11
1Y Return
75.15%
75.15%
Buy Reco %
74.19
74.19
PE Ratio
19.54
19.54
1Y Return
44.96%
44.96%
Buy Reco %
57.89
57.89
PE Ratio
46.79
46.79
1Y Return
26.28%
26.28%
Buy Reco %
Compare with Peers

CHOLAFIN Sentiment Analysis

CHOLAFIN Sentiment Analysis

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Crisp summary & key insights to decode earnings calls instantly

CHOLAFIN Stock Summary · January 2025

Company is navigating a complex landscape characterized by declining market share in deposits, challenges in meeting Priority Sector Lending (PSL) obligations, and fluctuations in current account flows. Despite these hurdles, the bank is focusing on enhancing customer engagement and service delivery to drive deposit growth, with recent monthly inflows showing a positive trend. The management emphasizes a strategic approach to maintaining profitability over aggressive expansion, particularly in light of competitive pressures and a tight liquidity environment. Efforts to improve operational efficiencies through digitization and a commitment to stable cost management are underway, alongside a proactive strategy to reduce borrowings and strengthen the balance sheet. Overall, while facing short-term challenges, the bank remains optimistic about future performance and is committed to achieving sustainable growth through strategic investments and improved customer outreach.

CHOLAFIN Stock Growth Drivers
CHOLAFIN Stock Growth Drivers
4
  • Focus on Sustainable Growth

    Company is prioritizing profitable growth over mere expansion, emphasizing a strategy that encourages ground-level teams

  • Stable Financial Metrics

    The company has maintained a return on assets (ROA) of 1.9% post-merger, showcasing stability in

CHOLAFIN Stock Challenges
CHOLAFIN Stock Challenges
5
  • Deposit Growth Shortfalls

    The company has experienced deposit growth that has not met expectations, attributed to seasonal trends

  • Loan Growth Concerns

    There is uncertainty regarding the company's loan deposit ratio (LDR) and its implications for loan

CHOLAFIN Forecast

What are forecasts?

What are forecasts?

Forecasting uses historical data as inputs to make informed predictive estimates determining the direction of future trends. Price, revenue & earnings forecasts represent where the stock level, business prospects and profits are potentially expected to be at the end of the forecast period

CHOLAFIN Forecasts

Price

Revenue

Earnings

CHOLAFIN

CHOLAFIN

Income

Balance Sheet

Cash Flow

CHOLAFIN Income Statement

CHOLAFIN Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 22.26%, vs industry avg of 15.24%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 5.68% to 8.24%

Higher than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 23.34%, vs industry avg of 20.91%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue4,696.845,559.287,108.838,712.639,639.7210,231.8113,105.5919,419.8726,155.4626,155.46
Raw Materialssubtract20,166.4820,166.48
Power & Fuel Costsubtract
Employee Costsubtract414.09550.81604.68700.32791.01957.201,360.372,478.60
Selling & Administrative Expensessubtract449.35395.27322.95236.09208.40387.31518.69661.55
Operating & Other expensessubtract2,686.953,161.534,292.686,076.756,490.115,879.077,490.8511,476.35
Depreciation/Amortizationsubtract39.0250.8656.99111.25102.30100.63121.09198.06244.83244.83
Interest & Other Itemssubtract
Taxes & Other Itemssubtract388.01481.51633.47534.50527.04754.09949.741,185.251,481.451,481.45
EPS9.2011.7515.3113.1518.5426.2232.4141.1250.7250.71
DPS1.101.301.301.702.002.002.002.002.001.40
Payout ratio0.120.110.080.130.110.080.060.050.040.03

CHOLAFIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual Report Pending

Investor Presentation

Apr 25PDF
Jan 31PDF
FY 2024FY 2024

Annual report

PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

Nov 1PDF
Jul 29PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

May 5PDF
Feb 1PDF
Oct 29PDF
Jul 30PDF
FY 2021FY 2021

Annual report

PDF

Investor Presentation

May 7PDF
Oct 29PDF
 

CHOLAFIN Stock Peers

What are peers and why compare against them?

What are peers and why compare against them?

A stock's peers are companies which have similar business interests, operations and belong to the same industry sector. Comparing various metrics against peers can give valuable insights on whether the company's stock is over/under-valued and the company's growth outlook vs the industry as a whole

CHOLAFIN Past Performance & Peer Comparison

CHOLAFIN Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Cholamandalam Investment and Finance Company Ltd30.626.660.13%
Bajaj Finance Ltd34.777.545.98%
Jio Financial Services Ltd115.691.340.17%
Shriram Finance Ltd13.112.521.48%

CHOLAFIN Stock Price Comparison

Compare CHOLAFIN with any stock or ETF
Compare CHOLAFIN with any stock or ETF
CHOLAFIN
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CHOLAFIN Holdings

CHOLAFIN Shareholdings

What are shareholdings?

What are shareholdings?

Apart from retail investors, a company’s shares are held by promoters, foreign & domestic institutions (large investors) and mutual funds. Promoters are the ship captains and control the company’s direction. Along with institutional and mutual fund holdings, a change in their holdings can indicate performance outlook for the stock

CHOLAFIN Promoter Holdings Trend

CHOLAFIN Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

CHOLAFIN Institutional Holdings Trend

CHOLAFIN Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

CHOLAFIN Shareholding Pattern

CHOLAFIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding49.92%12.46%3.03%28.23%6.36%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

CHOLAFIN Shareholding History

CHOLAFIN Shareholding History

Dec '23MarJunSepDec '24Mar24.73%26.00%26.62%27.18%27.43%28.23%

Mutual Funds Invested in CHOLAFIN

Mutual Funds Invested in CHOLAFIN

No mutual funds holding trends are available

Top 5 Mutual Funds holding Cholamandalam Investment and Finance Company Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.1040%2.76%-0.06%14/58 (0)
0.6118%2.26%2.26%11/85 (0)
0.5060%1.75%0.05%19/49 (0)

Compare 3-month MF holding change on Screener

CHOLAFIN Insider Trades & Bulk Stock Deals

CHOLAFIN Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing CHOLAFIN stock

smallcases containing CHOLAFIN stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Cholamandalam Investment and Finance Company Ltd

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Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
5.36%
5.36%
CAGR
18.43%
Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

CHOLAFIN's Wtg.
6.41%
6.41%
CAGR
17.01%
House of Murugappa Tracker

House of Murugappa Tracker

Created by Windmill Capital

CHOLAFIN's Wtg.
21.30%
21.30%
CAGR
26.93%

CHOLAFIN Events

CHOLAFIN Events

CHOLAFIN Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

CHOLAFIN has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.29 every year

Dividends

Corp. Actions

Announcements

Legal Orders

What are dividends?

What are dividends?

Dividends are a portion of earnings that a company distributes to all its shareholders every year. Dividend return is one of the most important things to be considered while investing for long term. It’s the additional return on top of what investors earn through price appreciation

CHOLAFIN Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

CHOLAFIN has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.29 every year

CHOLAFIN Upcoming Dividends

CHOLAFIN Upcoming Dividends

Cash Dividend

Ex DateEx DateJul 24, 2025

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 24, 2025

CHOLAFIN Past Dividends

CHOLAFIN Past Dividends

Cash Dividend

Ex DateEx DateJul 19, 2024

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 19, 2024

Cash Dividend

Ex DateEx DateJul 18, 2024

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 18, 2024

Cash Dividend

Ex DateEx DateFeb 6, 2024

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

1.30

Ex DateEx Date

Feb 6, 2024

Cash Dividend

Ex DateEx DateJul 21, 2022

Final
Final | Div/Share: ₹0.70

Dividend/Share

0.70

Ex DateEx Date

Jul 21, 2022

Cash Dividend

Ex DateEx DateFeb 10, 2022

Interim
Interim | Div/Share: ₹1.30

Dividend/Share

1.30

Ex DateEx Date

Feb 10, 2022

CHOLAFIN Stock News & Opinions

CHOLAFIN Stock News & Opinions

Corporate
Cholamandalam Investment & Finance Company allots 78,767 equity shares under ESOS

Cholamandalam Investment & Finance Company has allotted 78,767 equity shares under ESOS on 30 May 2025. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Earnings
Cholamandalam Investment & Finance Company consolidated net profit rises 18.24% in the March 2025 quarter

Net profit of Cholamandalam Investment & Finance Company rose 18.24% to Rs 1259.54 crore in the quarter ended March 2025 as against Rs 1065.23 crore during the previous quarter ended March 2024. Sales rose 30.23% to Rs 7045.57 crore in the quarter ended March 2025 as against Rs 5409.90 crore during the previous quarter ended March 2024. For the full year,net profit rose 24.64% to Rs 4262.70 crore in the year ended March 2025 as against Rs 3420.06 crore during the previous year ended March 2024. Sales rose 35.04% to Rs 25845.98 crore in the year ended March 2025 as against Rs 19139.62 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales7045.575409.90 30 25845.9819139.62 35 OPM %71.4773.81 -70.3271.86 - PBDT1762.651519.35 16 5988.984812.69 24 PBT1698.561444.17 18 5744.154614.63 24 NP1259.541065.23 18 4262.703420.06 25 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Fin. Co. to convene AGM

Cholamandalam Investment & Fin. Co. announced that the 47th Annual General Meeting(AGM) of the company will be held on 31 July 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Board of Cholamandalam Investment & Fin. Co. recommends Final Dividend

Cholamandalam Investment & Fin. Co. announced that the Board of Directors of the Company at its meeting held on 25 April 2025, has recommended a Final dividend of Rs.0.70 per share (i.e.35%), subject to the approval of the shareholders.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company fixes record date for final dividend

Cholamandalam Investment & Finance Company has fixed 24 July 2025 as record date for final dividend of Rs 0.70 per share for FY 2025. The dividend will be paid on or before 29 August 2025. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Cholamandalam Investment & Finance Company Ltd leads losers in 'A' group

IndusInd Bank Ltd, Fusion Finance Ltd, Techno Electric & Engineering Company Ltd and Just Dial Ltd are among the other losers in the BSE's 'A' group today, 22 April 2025.Cholamandalam Investment & Finance Company Ltd tumbled 5.38% to Rs 1569.9 at 14:47 IST.The stock was the biggest loser in the BSE's 'A' group.On the BSE, 95401 shares were traded on the counter so far as against the average daily volumes of 54148 shares in the past one month.IndusInd Bank Ltd crashed 5.05% to Rs 786.25. The stock was the second biggest loser in 'A' group.On the BSE, 11.04 lakh shares were traded on the counter so far as against the average daily volumes of 7.16 lakh shares in the past one month.Fusion Finance Ltd lost 4.68% to Rs 157.7. The stock was the third biggest loser in 'A' group.On the BSE, 73066 shares were traded on the counter so far as against the average daily volumes of 68280 shares in the past one month.Techno Electric & Engineering Company Ltd plummeted 4.37% to Rs 1107.55. The stock was the fourth biggest loser in 'A' group.On the BSE, 28797 shares were traded on the counter so far as against the average daily volumes of 19439 shares in the past one month.Just Dial Ltd shed 4.18% to Rs 985.7. The stock was the fifth biggest loser in 'A' group.On the BSE, 54856 shares were traded on the counter so far as against the average daily volumes of 50178 shares in the past one month.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Cholamandalam Investment & Fin. Co. schedules board meeting

Cholamandalam Investment & Fin. Co. will hold a meeting of the Board of Directors of the Company on 25 April 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company raises Rs 1175 cr via debt issuance

Cholamandalam Investment & Finance Company has allotted 1,17,500 Secured Non-Convertible Securities aggregating to Rs 1175 crore on private placement basis on 26 March 2025. Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
Cholamandalam Investment appoints Vellayan Subbiah as executive chairman

According to an exchange filing, Subbiah will be a key managerial personnel of the company. He will continue to serve as the non-executive chairman until 31 March 2025. His appointment as executive chairman is for a period of five years, from 1 April 2025 to 31 March 2030. Vellayan Subbiah is a B.Tech in civil engineering from IIT Madras and holds a Master's in Business Administration from the University of Michigan. He has rich experience of over 27 years in consulting, technology, manufacturing and financial services. Vellayan has worked with McKinsey & Co, 24/7 Customer Inc, Tube Investments of India, Sundaram Fasteners and Laserwords in different capacities. Vellayan Subbiah is a recipient of 'EY Entrepreneur of the Year 2023' and was named as the 'EY World Entrepreneur of the Year 2024' for his excellent leadership and bold strategies in transforming businesses and seizing new opportunities through acquisitions and diversifications. Subbiah previously served as the managing director of Cholamandalam Investment and Finance from 19 August 2010 to 18 August 2017. He has been a non-executive director of the company since 11 November 2020 and will continue as the non-executive chairman until 31 March 2025. Additionally, he holds the position of executive vice chairman of Tube Investments of India until 31 March 2025. The company also clarified that Vellayan Subbiah is not related to any of the directors of the company. Cholamandalam Investment & Finance Company is engaged in the business of providing vehicle finance, home loans and loans against property. The company's standalone net profit jumped 24% to Rs 1,086.53 crore on 35.7% surge in total income to Rs 6,812.35 crore in Q3 FY25 over Q3 FY24. The counter shed 0.29% to Rs 1,523.25 on the BSE. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Cholamandalam Investment & Finance Company appoints Vellayan Subbiah as Executive Chairman

Cholamandalam Investment & Finance Company has appointed Vellayan Subbiah (DIN: 01138759) as a Whole-time Director designated as the Executive Chairman of the Company for a term of 5 years commencing from 1 April 2025 till 31 March 2030 (both days inclusive).Powered by Capital Market - Live

2 months agoCapital Market - Live

CHOLAFIN Stock FAQs

CHOLAFIN Stock FAQs

  1. How to Buy Cholamandalam Investment and Finance Company Ltd Shares?

    You can easily buy the stocks/shares of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) on Tickertape or through broker platform by opening a Demat & Trading account online

  2. What is the Share Price of Cholamandalam Investment and Finance Company Ltd?

    The stock prices are volatile and keep changing through the day depending upon various factors and market conditions. The Share price of CHOLAFIN as on 15th May 2025 is ₹1592.76

  3. What is the return on Cholamandalam Investment and Finance Company Ltd share?

    The past returns of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) share are
    • Past 1 week: N/A
    • Past 1 month: -60.92
    • Past 3 months: 7.55
    • Past 6 months: 19.08
    • Past 1 year: 8.20
    • Past 3 years: 155.14
    • Past 5 years: 900.52

  4. What is the Dividend yield % on Cholamandalam Investment and Finance Company Ltd share?

    The current dividend yield of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is 0.13

  5. What is the Market Cap of Cholamandalam Investment and Finance Company Ltd?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹130517.75Cr as of 15th May 2025

  6. What is the 52 Week High and Low of Cholamandalam Investment and Finance Company Ltd?

    The 52-week high and low of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹1684.40 and ₹1168.

  7. What is the PE and PB ratio of Cholamandalam Investment and Finance Company Ltd?

    The P/E (price-to-earnings) and P/B (price-to-book) ratios of Cholamandalam Investment and Finance Company Ltd are 30.62 and 6.66 respectively.

  8. Which sector does Cholamandalam Investment and Finance Company Ltd belong to?

    Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) belongs to the Financials sector & Consumer Finance sub-sector.

  9. What are the peers or stocks similar to Cholamandalam Investment and Finance Company Ltd?

    The peers or stocks similar to Cholamandalam Investment and Finance Company Ltd are: and many others.

  10. Can't decide whether or not to buy Cholamandalam Investment and Finance Company Ltd?

    Worry no more! Login to Tickertape and check out Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) scorecard & all the relevant insights today

  11. 5. Test Stocks FAQ What is the 52 Week High and Low of Cholamandalam Investment and Finance Company Ltd?

    The 52-week high and low of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) is ₹1684.40 and ₹1168.

  12. 1. Test Stocks FAQ for Cholamandalam Investment and Finance Company Ltd Shares?

    You can easily buy the stocks/shares of Cholamandalam Investment and Finance Company Ltd (CHOLAFIN) on Tickertape or through broker platform by opening a Google & Trading account online

  13. 3. Test Stocks FAQ What is the Share Price of Cholamandalam Investment and Finance Company Ltd?

    The stock prices are volatile and keep changing through the day depending upon various factors and market conditions. The Share price of CHOLAFIN as on 15th May 2025 is ₹1592.76