Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Financial Services | Small Cap
Health Score : 8.17Cholamandalam Financial Holdings Ltd demonstrates a strong financial profile, primarily driven by exceptional growth and profitability. The company has seen outstanding increases in revenue, profit, and earnings, indicating robust market expansion and operational success. Its ability to generate high returns on equity and maintain healthy profit margins is a key strength. However, this high growth is supported by significant borrowing, leading to very high debt levels, which poses a considerable financial risk. While the company has enough short-term assets to cover immediate debts, it is not generating positive cash flow from its core business operations. The future outlook appears positive due to the strong growth momentum, but this is balanced by the risks associated with its high debt and reliance on external financing rather than cash from operations.
Health Score : 8.17Cholamandalam Financial Holdings Ltd demonstrates a strong financial profile, primarily driven by exceptional growth and profitability. The company has seen outstanding increases in revenue, profit, and earnings, indicating robust market expansion and operational success. Its ability to generate high returns on equity and maintain healthy profit margins is a key strength. However, this high growth is supported by significant borrowing, leading to very high debt levels, which poses a considerable financial risk. While the company has enough short-term assets to cover immediate debts, it is not generating positive cash flow from its core business operations. The future outlook appears positive due to the strong growth momentum, but this is balanced by the risks associated with its high debt and reliance on external financing rather than cash from operations.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
393.33
Industry Median
13.73
Small Cap Median
13.73
P/E RATIO
11.35
P/B RATIO
1.79
Industry Median
1.16
Small Cap Median
1.10
P/S RATIO
0.71
Industry Median
16.87
Small Cap Median
16.87
Others
PEG RATIO
0.47
EV/EBITDA RATIO
10.12
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1475 as on Sep 1, 2026.
Growth Score : 10.00The company's growth performance is exceptional across the board. It has demonstrated outstanding expansion in its revenues, operating profits, and net income. Furthermore, earnings per share and the company's asset base have also grown at an impressive rate. This uniform and robust growth signals strong market demand for its financial products, successful strategic initiatives, and a dominant competitive position. This is the standout strength in the company's financial profile, indicating a very positive trajectory in recent years.
Revenue Growth RateExcellent
Operating Profit Growth RateGoodEarnings Per Share (EPS) GrowthGoodAsset Growth RateGoodNet Income Growth RateGood| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 5.35 | 23.97 | 42.28 | 28.52 | 17.7 |
| Operating Profit Growth Rate | 24.99 | 21.7 | 37.33 | 23.93 | 11.22 |
| Earnings Per Share (EPS) Growth | 24.04 | 26.1 | 37.37 | 22.64 | 12.31 |
| Asset Growth Rate | 10.33 | 34.02 | 35.02 | 26.96 | 19.46 |
| Net Income Growth Rate | 26.93 | 25.5 | 37.05 | 23.08 | 15.72 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | CHOLAHLDNG | 8.17 | 11.35 | Neutral | N/A | 3.75 | 5485.00 |
| 2 | TATAINVEST | 8.15 | 73.94 | Highly Overvalued | 355.00 | 6.92 | 434.00 |
| 3 | JSWHL | 7.68 | 88.68 | Neutral | 165.00 | 109.55 | 147.00 |
0 Credits RemainingUnlock Deep Technical Insights in Seconds Only with Dhanarthi AI
Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
No Stock Reports Available at This Moment.
No Stock News Available at This Moment.
Cholamandalam Financial Holdings Ltd (CFHL) is the financial services holding company of the Murugappa Group. It primarily holds significant stakes in Cholamandalam Investment and Finance Company Limited, a leading NBFC, and Cholamandalam MS General Insurance Company Limited. CFHL plays a strategic role in overseeing and growing the Group's financial services businesses.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Cholamandalam Financial Holdings Ltd's P/E ratio (TTM) is 393.33, compared to the industry median of 13.73 and large cap median of 13.73.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Cholamandalam Financial Holdings Ltd's P/B ratio is 1.79, compared to the industry median of 1.16 and large cap median of 1.10.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Cholamandalam Financial Holdings Ltd's P/S ratio is 0.71, compared to the industry median of 16.87 and large cap median of 16.87.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Cholamandalam Financial Holdings Ltd's PEG ratio is 0.47.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Cholamandalam Financial Holdings Ltd's EV/EBITDA ratio is 10.12.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Cholamandalam Financial Holdings Ltd's ROE is 35.49%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Cholamandalam Financial Holdings Ltd's ROA is 2.67%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Cholamandalam Financial Holdings Ltd's ROCE is 140.55%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Cholamandalam Financial Holdings Ltd's operating margin is 18.31%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Cholamandalam Financial Holdings Ltd's net margin is 14.04%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Cholamandalam Financial Holdings Ltd's current ratio is 5.67.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Cholamandalam Financial Holdings Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Cholamandalam Financial Holdings Ltd's interest coverage ratio is 1.51.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Cholamandalam Financial Holdings Ltd's DPS is ₹1.30.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Cholamandalam Financial Holdings Ltd's EPS is 12.31.
(Source line: "Ratios as of 01 Sept 2026, based on last traded price of ₹1475. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1949 (as TI Financial Holdings Limited)
Headquarters: Chennai, Tamil Nadu
Core Offerings: Investment management, strategic oversight of financial services, wealth creation through subsidiary investments, holding company operations
Stock Listing: NSE (CHOLAHLDNG), BSE (504973)
Promoter: Murugappa Group
1949: Incorporated as TI Financial Holdings Limited. Late 1970s: Murugappa Group ventured into financial services with Cholamandalam Investment and Finance Company Ltd (CIFCL). 2001: Formed a joint venture with Mitsui Sumitomo Insurance Co. Ltd. for general insurance (Cholamandalam MS General Insurance Co. Ltd.). 2020: TI Financial Holdings Limited was renamed Cholamandalam Financial Holdings Limited, formalizing its role as the dedicated financial services holding entity for the Group. Present: Continues to manage and strategically grow its significant investments in CIFCL and Chola MS.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Investment in NBFC (Cholamandalam Investment and Finance Co. Ltd.) | Approx. 84.4% (Contribution to Holding Co. profit via dividends) | Operating Profit |
| Investment in General Insurance (Cholamandalam MS General Insurance Co. Ltd.) | Approx. 15.6% (Contribution to Holding Co. profit via dividends & profit share) | Operating Profit |
NBFC Operations (Cholamandalam Investment and Finance Company Ltd.): Engages in vehicle finance, home equity loans, small and medium enterprise (SME) loans, and other financial services, catering to diverse customer segments across India.
General Insurance (Cholamandalam MS General Insurance Company Ltd.): Provides a comprehensive range of general insurance products including motor, health, travel, home, and accident insurance for individuals and corporate clients.
Mr. M.A.M. Arunachalam: Chairman. A seasoned leader within the Murugappa Group, providing strategic direction. Mr. Vellayan Subbiah: Managing Director. Also serves as MD of Cholamandalam Investment and Finance Company Limited, overseeing the group's financial services growth strategy.
Cholamandalam Investment and Finance Company Limited (60.62% stake)
Cholamandalam MS General Insurance Company Limited (60% stake)
2021: Bonus Issue in the ratio of 1:1. No other major recent corporate actions on record.
The Cholamandalam Financial Holdings Ltd share price today is ₹1475 on NSE (CHOLAHLDNG), as of 05 Sept 2026.
As of 01 Sept 2026, Cholamandalam Financial Holdings Ltd share price is ₹1475, with previous close ₹1475. Today's range is ₹1475 to ₹1475. The 52-week range is ₹1475 to ₹1475.
As of today, Cholamandalam Financial Holdings Ltd's market cap is ₹27,730 crore (Large Cap).
Cholamandalam Financial Holdings Ltd's current P/E ratio is 393.33, compared to the DIVERSIFIED sector average of 24.
Cholamandalam Financial Holdings Ltd's current P/B ratio is 1.79.
Cholamandalam Financial Holdings Ltd's current dividend yield is 0.09%. Last dividend of ₹0.85 per share was declared on 07-Feb-2024.
Cholamandalam Financial Holdings Ltd's EPS (TTM) is ₹12.31.
Cholamandalam Financial Holdings Ltd (CFHL) is the financial services holding company of the Murugappa Group. It primarily holds significant stakes in Cholamandalam Investment and Finance Company Limited, a leading NBFC, and Cholamandalam MS General Insurance Company Limited. CFHL plays a strategic role in overseeing and growing the Group's financial services businesses.
Cholamandalam Financial Holdings Ltd is promoted by Murugappa Group, holding 46.38% as of 01 Sept 2026.
Cholamandalam Financial Holdings Ltd is listed on NSE (CHOLAHLDNG) and BSE (504973). Its next quarterly results are expected on May 2024.