Chola Financial

Which are the latest news on Chola Financial?

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 05-Sep, Cholamandalam Financial Holdings Ltd's stock price is rising to 1,525.40, supported by positive quarterly results and a recent upward trend, despite a year-to-date decline of -15.97%. The stock has outperformed its sector today and shows a total return of 3.75% over the last three days.

As of 05-Sep, Cholamandalam Financial Holdings Ltd's stock price is rising, currently at 1,525.40, reflecting an increase of 22.2 (1.48%). This upward movement is supported by several factors. The stock has outperformed its sector by 0.64% today and has shown a consecutive gain over the last three days, with a total return of 3.75% during this period. Additionally, the stock's performance over the past week has been positive, with a return of +1.99%, while the benchmark Sensex has declined by -0.97%.<BR><BR>The company has also reported positive results for the last three consecutive quarters, with significant growth in net sales and profit after tax. Specifically, the net sales for the quarter reached a high of Rs 11,113.57 crore, and the profit after tax for the nine months was Rs 2,118.83 crore, reflecting a growth of 26.25%. Furthermore, Cholamandalam Financial Holdings Ltd has a return on equity (ROE) of 15.8 and a price-to-book value of 1.9, indicating an attractive valuation compared to its peers.<BR><BR>However, it is important to note that the stock has underperformed over the longer term, with a year-to-date decline of -15.97% and a one-year return of -12.24%. Despite this, the recent positive performance and strong quarterly results appear to be driving the current rise in stock price.

Who are in the management team of Chola Financial?

The management team of Chola Financial includes E Krithika (Company Secretary), M M Murugappan (Chairman), Sridharan Rangarajan, B Ramaratnam, Vasudha Sundararaman, Vellayan Subbiah, and K Balasubramanian, with various roles as directors.

The management team of Chola Financial includes the following members:<BR><BR>1. **E Krithika** - Company Secretary & Compliance Officer<BR>2. **M M Murugappan** - Chairman & Non-Executive Director<BR>3. **Sridharan Rangarajan** - Non-Executive & Non-Independent Director<BR>4. **B Ramaratnam** - Independent Director<BR>5. **Vasudha Sundararaman** - Independent Director<BR>6. **Vellayan Subbiah** - Non-Executive & Non-Independent Director<BR>7. **K Balasubramanian** - Independent Director<BR><BR>If you need more specific information about any of these individuals or their roles, feel free to ask!

What does Chola Financial do?

Cholamandalam Financial Holdings Ltd is a small-cap Non-Banking Financial Company (NBFC) offering a variety of financial products and services to individuals and corporations. As of June 2026, it reported net sales of ₹11,114 Cr and a net profit of ₹806 Cr, with a market cap of ₹27,493 Cr.

Overview:<BR>Cholamandalam Financial Holdings Ltd is a Non Banking Financial Company (NBFC) in the small cap category that offers a diverse range of financial products and risk management services to individual and corporate customers.<BR><BR>History:<BR>Incorporated in 1949, Cholamandalam Financial Holdings Limited was formerly known as TI Financial Holdings Limited. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 11,114 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 806 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 27,493 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 10.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.09% <BR>Debt-Equity: 12.65 <BR>Return on Equity: 15.80% <BR>Price to Book: 1.82 <BR><BR>Contact Details:<BR>Address: Dare House, 234 N S C Bose Road Chennai Tamil Nadu : 600001 <BR>Tel: 91-44-42177770-5 <BR>Email: investorservices@cfhl.murugappa.com <BR>Website: http://www.cholafhl.com

Who are the peers of the Chola Financial?

Chola Financial's peers include Sundaram Finance, Authum Invest., Poonawalla Fin, Tata Inv. Corpn., Manappuram Fin., IIFL Finance, Capri Global, Five-Star Bus. Fin., and SBFC Finance. IIFL Finance has the highest 1-year return at 51.29%, while Chola Financial's return is -13.88%.

Peers: The peers of Chola Financial are Sundaram Finance, Authum Invest., Poonawalla Fin, Tata Inv.Corpn., Manappuram Fin., IIFL Finance, Capri Global, Five-Star Bus.Fi, and SBFC Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Sundaram Finance, IIFL Finance, Five-Star Bus.Fi, and SBFC Finance, while Average management risk is found at Authum Invest., Poonawalla Fin, Capri Global, and the rest. Good management risk is noted at Manappuram Fin. Below Average management risk is present at Tata Inv.Corpn. In terms of Growth, Excellent growth is seen at Chola Financial, Capri Global, and SBFC Finance, while Average growth is found at Sundaram Finance, Tata Inv.Corpn., and IIFL Finance. Good growth is noted at Poonawalla Fin and Five-Star Bus.Fi, while Below Average growth is observed at Authum Invest. and Manappuram Fin.<BR><BR>Return Snapshot: The peer with the highest 1-year return is IIFL Finance at 51.29%, while the lowest is Authum Invest. at -13.16%. Chola Financial's 1-year return is -13.88%, which is lower than both of these peers. Additionally, the six-month return is negative for Sundaram Finance and Chola Financial.

How big is Chola Financial?

As of 31st August, Cholamandalam Financial Holdings Ltd has a market capitalization of 27,493.00 Cr, with recent Net Sales of 40,889.97 Cr and a Net Profit of 2,668.75 Cr.

As of 31st August, Cholamandalam Financial Holdings Ltd has a market capitalization of 27,493.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 40,889.97 Cr and a Net Profit of 2,668.75 Cr.<BR><BR>The latest annual period for the balance sheet is March 2026, with Shareholder's Funds amounting to 15,454.15 Cr and Total Assets of 2,67,119.63 Cr.

Should I buy, sell or hold Cholamandalam Financial Holdings Ltd?

Are Cholamandalam Financial Holdings Ltd latest results good or bad?

Cholamandalam Financial Holdings Ltd's latest Q4 FY26 results show strong revenue and profit growth, with a net profit of ₹687.14 crore and record net sales of ₹10,366 crore. However, high debt levels raise concerns about financial sustainability, suggesting a cautious outlook for investors.

Cholamandalam Financial Holdings Ltd's latest results for Q4 FY26 show a mixed performance. On the positive side, the company reported a net profit of ₹687.14 crore, which represents a 9.81% increase quarter-on-quarter (QoQ) and an 11.99% increase year-on-year (YoY). Additionally, net sales reached an all-time high of ₹10,366 crore, reflecting a 4.20% QoQ growth and a significant 16.30% YoY growth.<BR><BR>The operating margin also improved to 56.19%, up from 54.90% in the previous quarter, indicating better operational efficiency. However, despite these positive indicators, there are notable concerns regarding the company's financial health. Cholamandalam operates with a high debt-to-EBITDA ratio of 9.46 and a net debt-to-equity ratio of 12.91, which are significantly higher than industry norms. This elevated leverage raises questions about the company's financial sustainability, especially in a rising interest rate environment.<BR><BR>Overall, while the revenue and profit figures are encouraging, the high leverage and associated risks suggest a cautious outlook. Investors should monitor the company's ability to manage its debt and maintain asset quality moving forward.

Is Chola Financial technically bullish or bearish?

As of November 19, 2025, the trend is mildly bullish, supported by daily moving averages, but mixed signals from weekly and monthly indicators suggest caution.

As of 19 November 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by the daily moving averages indicating a mildly bullish trend. However, the weekly MACD remains bullish while the monthly MACD is mildly bearish, suggesting mixed signals across different time frames. The Bollinger Bands show a bearish indication on the weekly chart but are mildly bullish on the monthly chart. The KST is bullish weekly but mildly bearish monthly, and Dow Theory reflects a mildly bearish stance on the weekly while being mildly bullish monthly. Overall, the strength of the bullish stance is tempered by the mixed signals from the longer-term indicators.

How has been the historical performance of Chola Financial?

Chola Financial has demonstrated significant growth from March 2019 to March 2025, with net sales increasing from 10,925.63 crore to 33,125.33 crore and profit after tax rising from 1,413.72 crore to 4,733.98 crore, indicating a strong upward trend in key financial metrics. Total assets also grew substantially, reflecting enhanced shareholder value and improved cash management.

Answer:<BR>Chola Financial has shown significant growth in its historical performance, particularly in net sales and profit metrics over the past several years. <BR><BR>Breakdown:<BR>From March 2019 to March 2025, Chola Financial's net sales increased from 10,925.63 crore to 33,125.33 crore, reflecting a robust upward trend. Total operating income followed a similar trajectory, rising from 10,925.63 crore in March 2019 to 33,125.33 crore in March 2025. The company's operating profit (PBDIT) also saw substantial growth, climbing from 5,799.57 crore in March 2019 to 19,189.35 crore in March 2025. Profit before tax increased from 2,134.79 crore to 6,399.56 crore in the same period, while profit after tax rose from 1,413.72 crore to 4,733.98 crore. The earnings per share (EPS) improved significantly from 37.12 in March 2019 to 115.74 in March 2025, indicating enhanced shareholder value. On the balance sheet, total assets grew from 75,167.53 crore in March 2020 to 2,23,688.33 crore in March 2025, with total liabilities also increasing from 55,117.47 crore to 1,74,366.44 crore. Cash flow from operating activities remained negative but improved from -34,201 crore in March 2025 compared to previous years, while net cash inflow turned positive at 4,412 crore in March 2025, showcasing a recovery in cash management. Overall, Chola Financial's performance reflects a strong growth trajectory across key financial metrics.

Who are the top shareholders of the Chola Financial?

The top shareholders of Chola Financial include Ambadi Investments Limited with 37.69%, mutual funds holding 20.26%, foreign institutional investors at 17.67%, and individual investors with 9.91%. There are no significant public shareholders.

The top shareholders of Chola Financial primarily include its promoters, with Ambadi Investments Limited holding the largest stake at 37.69%. Additionally, mutual funds collectively hold 20.26% of the shares through 25 different schemes, while foreign institutional investors (FIIs) account for 17.67% with 252 FIIs involved. Individual investors also have a notable presence, holding 9.91% of the shares. There are no significant public shareholders listed.

Is Chola Financial overvalued or undervalued?

As of June 5, 2024, Chola Financial is considered fairly valued with a PE ratio of 16.79 and an EV to EBITDA of 10.67, outperforming the Sensex with a year-to-date return of 40.08%, while its valuation grade has shifted from very attractive to attractive.

As of 5 June 2024, Chola Financial's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as fairly valued. Key ratios include a PE ratio of 16.79, an EV to EBITDA of 10.67, and a PEG ratio of 0.74, which suggest that while the company is performing well, it may not be significantly undervalued compared to its peers.<BR><BR>In comparison to its industry peers, Chola Financial's PE ratio is higher than Life Insurance's 12.54 but significantly lower than Bajaj Finance's 35.01, which is categorized as very expensive. The EV to EBITDA ratio of 10.67 is also competitive, particularly when compared to Bajaj Finserv's 13.37. Notably, Chola Financial has outperformed the Sensex in various time frames, with a year-to-date return of 40.08% compared to the Sensex's 5.62%, reinforcing its strong market position.

When is the next results date for Chola Financial?

No Upcoming Board Meetings

Has Chola Financial declared dividend?

Cholamandalam Financial Holdings Ltd has declared a 55% dividend, amounting to ₹0.55 per share, with an ex-date of August 2, 2024. While the total returns over various periods show strong price appreciation, the dividend returns have been relatively low.

Cholamandalam Financial Holdings Ltd has declared a 55% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 55%<BR>- Amount per share: 0.55<BR>- Ex-date: 02 Aug 2024<BR><BR>Dividend Yield: 0.03%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 26.07%, the dividend return was 0%, resulting in a total return of 26.07%.<BR><BR>Over the past year, the price return reached 65.62%, with a dividend return of 0.04%, leading to a total return of 65.66%.<BR><BR>In the 2-year period, the price return was 134.98%, the dividend return was 0.12%, culminating in a total return of 135.1%.<BR><BR>For the 3-year period, the price return stood at 206.05%, the dividend return was 0.27%, resulting in a total return of 206.32%.<BR><BR>In the 4-year period, the price return was 182.42%, the dividend return was 0.34%, leading to a total return of 182.76%.<BR><BR>Over the last 5 years, the price return was an impressive 558.1%, with a dividend return of 0.73%, resulting in a total return of 558.83%.<BR><BR>Overall, Cholamandalam Financial Holdings Ltd has declared a substantial dividend, and the total returns over various periods reflect strong price appreciation, although the dividend returns have been relatively low in comparison.