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Financial Services | Large Cap
Health Score : 8.91Cholamandalam Investment & Finance Company Ltd demonstrates an exceptionally strong financial profile, marked by phenomenal growth and outstanding profitability. The company is expanding its revenues, profits, and asset base at a remarkable rate, reflecting strong market demand and successful execution of its strategies. Its solvency position appears unparalleled, with data indicating it operates without debt, a highly unusual but incredibly stable position for a financial services firm. Profitability is a key strength, with the company effectively converting revenue into high returns for its investors. Key weaknesses appear in its cash flow from operations, which is negative, suggesting that its rapid expansion is consuming cash. Furthermore, its ability to cover interest payments is limited, which presents a potential risk. The company's efficiency metrics are mixed, showing excellent asset utilization in some areas but weaker performance in others. Overall, the company presents as a high-growth, highly profitable entity with a robust, equity-funded balance sheet, though its rapid expansion introduces certain operational and financial pressures.
Health Score : 8.91Cholamandalam Investment & Finance Company Ltd demonstrates an exceptionally strong financial profile, marked by phenomenal growth and outstanding profitability. The company is expanding its revenues, profits, and asset base at a remarkable rate, reflecting strong market demand and successful execution of its strategies. Its solvency position appears unparalleled, with data indicating it operates without debt, a highly unusual but incredibly stable position for a financial services firm. Profitability is a key strength, with the company effectively converting revenue into high returns for its investors. Key weaknesses appear in its cash flow from operations, which is negative, suggesting that its rapid expansion is consuming cash. Furthermore, its ability to cover interest payments is limited, which presents a potential risk. The company's efficiency metrics are mixed, showing excellent asset utilization in some areas but weaker performance in others. Overall, the company presents as a high-growth, highly profitable entity with a robust, equity-funded balance sheet, though its rapid expansion introduces certain operational and financial pressures.
Overall Valuation Score
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P/E RATIO (TTM)
29.63
Industry Median
20.55
Large Cap Median
32.02
P/E RATIO
29.55
P/B RATIO
5.08
Industry Median
1.24
Large Cap Median
4.05
P/S RATIO
4.98
Industry Median
4.30
Large Cap Median
6.59
Others
PEG RATIO
1.06
EV/EBITDA RATIO
16.22
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1814.7 as on Sep 1, 2026.
Growth Score : 10.00The company is in a phase of explosive and well-rounded growth. It is achieving outstanding expansion across all key areas, including revenue, operating profit, earnings per share, and its total asset base. This indicates not only strong market demand for its financial products but also highly successful strategic execution. This comprehensive growth trajectory is a clear sign of a thriving business that is rapidly increasing its market share and delivering substantial value, painting a very positive picture for its future prospects.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 5.9 | 26.96 | 48.73 | 35.1 | 20.02 |
| Operating Profit Growth Rate | 39.64 | 20.21 | 29.39 | 25.88 | 18.62 |
| Earnings Per Share (EPS) Growth | 41.4 | 23.6 | 25.6 | 24.48 | 21.15 |
| Asset Growth Rate | 10.5 | 37.77 | 37.9 | 28.85 | 21.58 |
| Net Income Growth Rate | 41.62 | 23.72 | 28.33 | 24.65 | 22.75 |
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 | Muthoot Finance Ltd | 9.29 | 11.01 | Undervalued | 14388.00 | 252.43 | 10607.00 |
| 2 | Shriram Finance Ltd | 9.08 | 19.88 | Neutral | 13939.00 | 42.49 | 10024.00 |
| 3 | SBI Cards & Payment Services Ltd | 8.92 | 27.77 | Neutral | 2241.00 | 22.77 | 2167.00 |
| 4 | Cholamandalam Investment & Finance Company Ltd | 8.91 | 29.55 | Overvalued | 6791.00 | 61.22 | 5233.00 |
| 5 | Jio Financial Services Ltd | 8.85 | 95.87 | Neutral | 2305.00 | 1.03 | N/A |
| 6 | L&T Finance Ltd | 5.63 | 25.97 | Neutral | 4234.00 | 12.37 | 2983.00 |
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Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
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Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
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Volatility Score
Strong Bearish
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Volume Score
Strong Bearish
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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.
Concall Report⬤11th May 26
Q4 FY26 Earnings Conference Call
BULLISH SENTIMENT
Quarterly Report⬤30th Apr 26
Standalone Audited Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤23rd Dec 25
Q3 FY26 Earnings Conference Call Transcript
NEUTRAL SENTIMENT
Concall Report⬤7th Nov 25
Q2 FY26 Earnings Conference Call
BULLISH SENTIMENT
No Stock News Available at This Moment.
Cholamandalam Investment and Finance Company Ltd (Chola Finance) is a leading Indian Non-Banking Financial Company (NBFC) of the Murugappa Group. It primarily offers vehicle finance, home equity, and MSME loans, serving a diverse customer base through its extensive network and digital channels.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Cholamandalam Investment & Finance Company Ltd's P/E ratio (TTM) is 29.63, compared to the industry median of 20.55 and large cap median of 32.02.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Cholamandalam Investment & Finance Company Ltd's P/B ratio is 5.08, compared to the industry median of 1.24 and large cap median of 4.05.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Cholamandalam Investment & Finance Company Ltd's P/S ratio is 4.98, compared to the industry median of 4.30 and large cap median of 6.59.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Cholamandalam Investment & Finance Company Ltd's PEG ratio is 1.06.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Cholamandalam Investment & Finance Company Ltd's EV/EBITDA ratio is 16.22.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Cholamandalam Investment & Finance Company Ltd's ROE is 17.18%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Cholamandalam Investment & Finance Company Ltd's ROA is 2.77%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Cholamandalam Investment & Finance Company Ltd's ROCE is 70.13%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Cholamandalam Investment & Finance Company Ltd's operating margin is 21.85%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Cholamandalam Investment & Finance Company Ltd's net margin is 16.84%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Cholamandalam Investment & Finance Company Ltd's current ratio is 60.43.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Cholamandalam Investment & Finance Company 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 Investment & Finance Company Ltd's interest coverage ratio is 1.49.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Cholamandalam Investment & Finance Company Ltd's DPS is ₹1.84.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Cholamandalam Investment & Finance Company Ltd's EPS is 21.15.
(Source line: "Ratios as of 29 Sept 2026, based on last traded price of ₹1814.70. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1978
Headquarters: Chennai, Tamil Nadu
Core Offerings: Vehicle Finance, Home Equity Loans, MSME Loans, Consumer & Small Business Loans, Secured Business & Personal Loans
Stock Listing: NSE (CHOLAFIN), BSE (511243)
Promoter: Murugappa Group
Cholamandalam Investment and Finance Company Limited was incorporated in 1978. It was listed on stock exchanges in 1992. Over the decades, it has grown significantly, expanding its product offerings beyond vehicle finance to include home equity, MSME loans, and more recently, consumer and small business loans, establishing itself as a well-diversified financial services provider in India.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Vehicle Finance | 65-70% (of AUM) | Operating Profit |
| Home Equity Loans | 15-20% (of AUM) | Operating Profit |
| MSME Loans | 10-15% (of AUM) | Operating Profit |
| New Businesses (Consumer, Small Business, Rural & Agri Loans) | Remainder (of AUM) | Operating Profit |
Vehicle Finance: Largest segment, providing financing for commercial vehicles, passenger vehicles, two-wheelers, tractors, and construction equipment to both retail and corporate customers.
Home Equity Loans: Offers loans against property (LAP) to self-employed and salaried individuals, and affordable home loans, leveraging property as collateral.
MSME Loans: Provides tailored financial solutions to Micro, Small, and Medium Enterprises to support their working capital needs, expansion plans, and asset acquisition.
Other New Businesses: Includes a growing portfolio of consumer and small business loans, along with rural and agricultural financing solutions, diversifying its lending book.
Mr. M.A.M. Arunachalam (alias M.A.M. Arun Kumar) - Managing Director. He has been instrumental in driving the company's growth and diversification across various financial products. Mr. Vellayan Subbiah - Chairman. He brings extensive strategic leadership experience from the Murugappa Group.
Cholamandalam Home Finance Limited
Cholamandalam Securities Limited
A notable corporate action was the 1:1 Bonus Issue declared in June 2022.
The Cholamandalam Investment & Finance Company Ltd share price today is ₹1814.70 on NSE (CHOLAFIN), as of 29 Sept 2026.
As of 29 Sept 2026, Cholamandalam Investment & Finance Company Ltd share price is ₹1814.70, with previous close ₹1814.70. Today's range is ₹1814.70 to ₹1814.70. The 52-week range is ₹1299.40 to ₹1952.50.
As of today, Cholamandalam Investment & Finance Company Ltd's market cap is ₹1,54,612.44 crore (Large Cap).
Cholamandalam Investment & Finance Company Ltd's current P/E ratio is 29.63, compared to the BANKING AND FINANCE sector average of 26.50.
Cholamandalam Investment & Finance Company Ltd's current P/B ratio is 5.08.
Cholamandalam Investment & Finance Company Ltd's current dividend yield is 0.10%. Last dividend of ₹1.30 per share was declared on 07-Aug-2024.
Cholamandalam Investment & Finance Company Ltd's EPS (TTM) is ₹21.15.
Cholamandalam Investment and Finance Company Ltd (Chola Finance) is a leading Indian Non-Banking Financial Company (NBFC) of the Murugappa Group. It primarily offers vehicle finance, home equity, and MSME loans, serving a diverse customer base through its extensive network and digital channels.
Cholamandalam Investment & Finance Company Ltd is promoted by Murugappa Group, holding 49.25% as of 29 Sept 2026.
Cholamandalam Investment & Finance Company Ltd is listed on NSE (CHOLAFIN) and BSE (511243). Its next quarterly results are expected on Late July / Early August 2024.