Market Data
Market Cap₹26,117.03 Cr.
52W High₹2,061.45
Current Price₹1,390.85
52W Low₹1,305
Down from 52W High32.5 %
Face Value₹1
Performance
ROCE10.17 %
ROE17.28 %
EPS (TTM)₹42.92
EPS Prev Qtr₹36.59
EPS Last Year₹29.28
EBITDA Qtr₹2,297.42 Cr.
Book Value₹823
Financial Health
Debt/Equity13.62
Debt/Profit34.98
Total Assets₹2,68,332.72 Cr.
Dividend Yield0.09 %
Promoter Holding46.43 %
Earning Power2.8 %
Valuation
Stock P/E4.34
Industry P/E18.22
Price to Book1.69
Price to Sales0.64
Graham Number₹2,435.42
Key Metrics
Capital Adequacy %
19.21%
__derived
1
Face Value
₹1
Gross NPA %
4.36%
Net NPA %
2.87%
About Cholamandalam Financial Holdings Ltd
Financial Services · Finance
Cholamandalam Financial Holdings Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹1. Market cap ₹26,117.03 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- The company has a strong Capital Adequacy ratio of 19.21%, indicating robust capital position.
- Net NPA ratio stands at 2.87%, reflecting manageable asset quality risk.
- ROE is high at 38.94%, showing efficient use of equity capital.
- P/B ratio of 1.82 suggests the market values the company close to its book value.
Weaknesses
- Gross NPA ratio of 4.36% indicates potential credit risk exposure.
- Dividend yield is low at 0.09%, limiting appeal for income-focused investors.
- Debt to Equity ratio of 13.62 suggests significant leverage risk.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue grew 19.5% YoY, Profit grew 42.0% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 9,296.32 | 9,461.41 | 9,948.79 | 10,366.2 | 11,113.57 |
| ↳ QoQ Growth | - | +1.8% | +5.2% | +4.2% | +7.2% |
| Expenses | 7,688.19 | 7,959.42 | 8,222.25 | 8,379.99 | 8,816.15 |
| Operating Profit | 1,608.13 | 1,501.99 | 1,726.54 | 1,986.21 | 2,297.42 |
| OPM % | 17.3% | 15.87% | 17.35% | 19.16% | 20.67% |
| Other Income | 86.63 | 127.79 | 135.33 | 153.3 | 100.75 |
| Interest | 3,467.67 | 3,517.75 | 3,648.02 | 3,754.62 | 4,007.25 |
| Depreciation | 78.6 | 82.55 | 87.18 | 84.24 | 87.42 |
| EBITDA | 1,686.73 | 1,584.54 | 1,813.72 | 2,070.45 | 2,384.84 |
| EBITDA Margin % | 18.14% | 16.75% | 18.23% | 19.97% | 21.46% |
| Profit Before Tax | 1,696.1 | 1,631.76 | 1,863.2 | 2,142.12 | 2,400.13 |
| Tax % | 25.74% | 25.59% | 25.62% | 24.11% | 25.46% |
| Net Profit | 1,259.54 | 1,214.27 | 1,385.82 | 1,625.55 | 1,788.99 |
| ↳ QoQ Growth | - | -3.6% | +14.1% | +17.3% | +10.1% |
| EPS | 30.81 | 29.28 | 33.32 | 36.59 | 42.92 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 39072.72 | 40889.97 |
| Expenses | 32249.85 | 33377.81 |
| Operating Profit | 6822.87 | 7512.16 |
| OPM % | 17.46% | 18.37% |
| Other Income | 503.05 | 517.17 |
| Interest | 14388.06 | 14927.64 |
| Depreciation | 332.57 | 341.39 |
| Profit Before Tax | 7333.18 | 8037.21 |
| Tax % | 25.2% | 25.17% |
| Net Profit | 5485.18 | 6014.63 |
| EPS | 130 | 142.11 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-28.05%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
38.94%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 18.78 | 18.78 |
| Reserves | 12496.5 | 15428.25 |
| Borrowings | 174366.44 | 210400.03 |
| Other Liabilities | 37734.23 | 42485.66 |
| Total Liabilities | 224615.95 | 268332.72 |
| Fixed Assets | 1929.8 | 2249.27 |
| CWIP | 3.69 | 27.51 |
| Investments | 24271.21 | 24997.26 |
| Other Assets | 198411.25 | 241058.69 |
| Total Assets | 224615.95 | 268332.72 |
Cash Flows
| Mar 2026 | |
|---|---|
| Cash from Operating Activity | -30032.77 |
| Cash from Investing Activity | -2528.4 |
| Cash from Financing Activity | 35650.27 |
| Net Cash Flow | 3089.1 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 541.18 |
| ROCE % | 11.78% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 46.42% | 46.38% | 46.38% | 46.43% |
| FIIs % | 17.39% | 16.47% | 13.8% | 13% |
| DIIs % | 22.52% | 23.55% | 26.09% | 26.9% |
| Public % | 9.75% | 9.66% | 9.75% | 9.66% |
| No. of Shareholders | 47,995 | 44,225 | 47,752 | 44,121 |
Major Shareholders (>1%)
- Ambadi Investments LimitedPromoter and Promoter Group37.69%
- Nippon Life India Trustee Ltd-a/c Nippon India NifPublic Shareholding4.78%
- Sbi Large & Midcap FundPublic Shareholding4.12%
- Bandhan Multi Cap FundPublic Shareholding3.01%
As of 2026-06-30View all shareholders →