Cholamandalam Investment and Finance Company Ltd
CHOLAFINCholamandalam Investment and Finance Company Ltd
CHOLAFIN
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
AvgAverage profitability - not good, not bad
Entry point
AvgThe stock is overpriced but is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 26.97 | 5.30 | 0.16% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.34 | 2.41 | 1.00% |
Forecast & Ratings
Detailed Forecast from 32 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
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
View olderPeers
Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Shriram Finance Ltd
Bajaj Housing Finance Ltd
Muthoot Finance Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
All values in ₹
Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
All values in ₹
Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 4,215.95 | 4,696.84 | 5,559.28 | 7,108.83 | 8,712.63 | 9,639.72 | 10,231.81 | 13,105.59 | 19,419.87 | 22,750.42 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 17,327.36 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 262.18 | 414.09 | 550.81 | 604.68 | 700.32 | 791.01 | 957.20 | 1,360.37 | 2,478.60 | |||||||||||
| Selling & Administrative Expenses | 431.11 | 449.35 | 395.27 | 322.95 | 236.09 | 208.40 | 387.31 | 518.69 | 661.55 | |||||||||||
| Operating & Other expenses | 2,621.48 | 2,686.95 | 3,161.53 | 4,292.68 | 6,076.75 | 6,490.11 | 5,879.07 | 7,490.85 | 11,476.35 | |||||||||||
EBITDA | 901.18 | 1,146.45 | 1,451.67 | 1,888.52 | 1,699.47 | 2,150.20 | 3,008.23 | 3,735.68 | 4,803.37 | 5,423.06 | ||||||||||
| Depreciation/Amortization | 21.74 | 39.02 | 50.86 | 56.99 | 111.25 | 102.30 | 100.63 | 121.09 | 198.06 | 242.56 | ||||||||||
| PBIT | 879.44 | 1,107.43 | 1,400.81 | 1,831.53 | 1,588.22 | 2,047.90 | 2,907.60 | 3,614.59 | 4,605.31 | 5,180.50 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 879.44 | 1,107.43 | 1,400.81 | 1,831.53 | 1,588.22 | 2,047.90 | 2,907.60 | 3,614.59 | 4,605.31 | 5,180.50 | ||||||||||
| Taxes & Other Items | 304.77 | 388.01 | 481.51 | 633.47 | 534.50 | 527.04 | 754.09 | 949.74 | 1,185.25 | 1,328.30 | ||||||||||
| Net Income | 574.67 | 719.42 | 919.30 | 1,198.06 | 1,053.72 | 1,520.86 | 2,153.51 | 2,664.85 | 3,420.06 | 3,852.20 | ||||||||||
| EPS | 7.66 | 9.20 | 11.75 | 15.31 | 13.15 | 18.54 | 26.22 | 32.41 | 41.12 | 45.83 | ||||||||||
| DPS | 0.90 | 1.10 | 1.30 | 1.30 | 1.70 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | ||||||||||
| Payout ratio | 0.12 | 0.12 | 0.11 | 0.08 | 0.13 | 0.11 | 0.08 | 0.06 | 0.05 | 0.04 |
Company Updates
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Cholamandalam Investment and Finance Company Ltd | 30.38 | 5.30 | 0.16% |
| Bajaj Finance Ltd | 28.23 | 5.32 | 0.55% |
| Jio Financial Services Ltd | 126.44 | 1.46 | — |
| Shriram Finance Ltd | 14.42 | 2.14 | 1.59% |
Price Comparison
Compare CHOLAFIN with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
In last 3 months, mutual fund holding of the company has almost stayed constant
Top 5 Mutual Funds holding Cholamandalam Investment and Finance Company Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
SBI Blue Chip Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.1374% | Percentage of the fund’s portfolio invested in the stock 2.34% | Change in the portfolio weight of the stock over the last 3 months -0.22% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 17/57 (-5) |
Axis Bluechip Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.7986% | Percentage of the fund’s portfolio invested in the stock 2.30% | Change in the portfolio weight of the stock over the last 3 months -0.10% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 13/67 (0) |
Canara Robeco Emerging Equities - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.7567% | Percentage of the fund’s portfolio invested in the stock 3.26% | Change in the portfolio weight of the stock over the last 3 months -0.11% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 5/96 (+1) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
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Events
Dividend Trend
No Dividend Cuts
CHOLAFIN has increased or maintained dividend levels over the last 5 years
Dividend Yield
Current dividend yield is 0.16%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.62 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateJul 19, 2024
Dividend/Share
₹0.70
Ex DateEx Date
Jul 19, 2024
Cash Dividend
Ex DateEx DateFeb 7, 2024
Dividend/Share
₹1.30
Ex DateEx Date
Feb 7, 2024
Cash Dividend
Ex DateEx DateJul 25, 2023
Dividend/Share
₹0.70
Ex DateEx Date
Jul 25, 2023
Cash Dividend
Ex DateEx DateFeb 10, 2023
Dividend/Share
₹1.30
Ex DateEx Date
Feb 10, 2023
Cash Dividend
Ex DateEx DateJul 21, 2022
Dividend/Share
₹0.70
Ex DateEx Date
Jul 21, 2022
Net profit of Cholamandalam Investment & Finance Company rose 25.22% to Rs 967.80 crore in the quarter ended September 2024 as against Rs 772.87 crore during the previous quarter ended September 2023. Sales rose 35.32% to Rs 6255.12 crore in the quarter ended September 2024 as against Rs 4622.58 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales6255.124622.58 35 OPM %69.6769.91 - PBDT1367.511100.21 24 PBT1304.881061.70 23 NP967.80772.87 25 Powered by Capital Market - Live
Cholamandalam Investment & Finance Company has appointed Jeeva Balakrishnan as Chief Human Resources Officer and Aman Sharma as Head Operations effective 05 November 2024. Powered by Capital Market - Live
Cholamandalam Investment & Finance Company has allotted 50,000 Secured Non-Convertible Securities aggregating to Rs 500 crore on private placement basis on 04 October 2024. Powered by Capital Market - Live
Cholamandalam Investment & Fin. Co. will hold a meeting of the Board of Directors of the Company on 25 October 2024.Powered by Capital Market - Live
Cholamandalam Investment & Finance Company Ltd rose for a fifth straight session today. The stock is quoting at Rs 1637.85, up 2.09% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.31% on the day, quoting at 25870.8. The Sensex is at 84661.07, up 0.14%. Cholamandalam Investment & Finance Company Ltd has added around 17.4% in last one month. Meanwhile, Nifty Financial Services index of which Cholamandalam Investment & Finance Company Ltd is a constituent, has added around 6.47% in last one month and is currently quoting at 24789.2, up 0.44% on the day. The volume in the stock stood at 7.09 lakh shares today, compared to the daily average of 17.03 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 1640.15, up 2.12% on the day. Cholamandalam Investment & Finance Company Ltd is up 38.44% in last one year as compared to a 31.49% gain in NIFTY and a 25.48% gain in the Nifty Financial Services index.The PE of the stock is 37.12 based on TTM earnings ending June 24.Powered by Capital Market - Live
Kundu has been the executive director of the company since 23 January 2020. He has over 36 years of experience in automobile and financial services industry including 24 years with the company. Ravindra Kumar Kundu is a graduate in Commerce and has completed Post Graduate Programme in Management for Senior Executives from the Kellogg School of Management, Indian School of Business and an Executive Programme in Global Business Management from the Indian Institute of Management Calcutta. Cholamandalam Investment & Finance Company is engaged in the business of providing vehicle finance, home loans and Loan against property. The company's net profit increased 33.4% to Rs 947.15 crore on 40.4% jump in total income to Rs 5,857.28 crore in Q1 FY25 over Q1 FY24. The scrip jumped 3.40% to close at Rs 1,411 on Friday, 26 July 2024. Powered by Capital Market - Live
Cholamandalam Investment Appoints Ravindra Kumar Kundu As MD
Cholamandalam Investment and Finance appoints Ravindra Kumar Kundu as MD
Cholamandalam Investment Q1 net profit rises 30% to ₹942 cr.
Cholamandalam Investment and Finance Q1 results: PAT up 29.7% at Rs 942 cr
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 22.26%, vs industry avg of 15.2%
Increasing Market Share
Over the last 5 years, market share increased from 5.69% to 8.27%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 23.34%, vs industry avg of 20.97%