Cholaman.Inv.&Fn

how big is Cholaman.Inv.&Fn?

As of Jun 06, Cholamandalam Investment & Finance Company Ltd has a market capitalization of 134,071.65 Cr, with net sales of 25,845.98 Cr and net profit of 4,262.70 Cr over the latest four quarters. Shareholder's funds are 19,593.24 Cr, and total assets amount to 1,56,030.56 Cr as of the latest annual period ending in Mar'24.

Market Cap: As of Jun 06, Cholamandalam Investment & Finance Company Ltd has a market capitalization of 134,071.65 Cr, classifying it as a Large Cap company.<BR><BR>Recent Quarterly Performance: For the latest 4 quarters, the company reported a sum of Net Sales of 25,845.98 Cr and a sum of Net Profit of 4,262.70 Cr. This data is on a Consolidated basis.<BR><BR>Balance Sheet Snapshot: This is also on a Consolidated basis for the latest annual period ending in Mar'24. The Shareholder's Funds are reported at 19,593.24 Cr, while the Total Assets amount to 1,56,030.56 Cr.

When is the next results date for Cholaman.Inv.&Fn?

No Upcoming Board Meetings

Has Cholaman.Inv.&Fn declared dividend?

Cholamandalam Investment & Finance Company Ltd has declared a 65% dividend, amounting to ₹1.3 per share, with an ex-date of February 7, 2025. The company has demonstrated strong total returns across various periods, with a 5-year total return of 994.53%.

Cholamandalam Investment & Finance Company Ltd has declared a 65% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 65%<BR>- Amount per share: 1.3<BR>- Ex-date: 07 Feb 25<BR><BR>Dividend Yield: 0.13%.<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 24.29%, the dividend return was 0.10%, resulting in a total return of 24.39%.<BR><BR>For the 1-year period, the price return was 18.79%, the dividend return was 0.15%, leading to a total return of 18.94%.<BR><BR>Over the 2-year period, the price return was 49.94%, with a dividend return of 0.24%, culminating in a total return of 50.18%.<BR><BR>In the 3-year period, the price return reached 140.64%, the dividend return was 0.76%, resulting in a total return of 141.4%.<BR><BR>For the 4-year period, the price return was 177.8%, the dividend return was 1.28%, leading to a total return of 179.08%.<BR><BR>Finally, in the 5-year period, the price return was an impressive 990.47%, with a dividend return of 4.06%, resulting in a total return of 994.53%.<BR><BR>Overall, Cholamandalam Investment & Finance Company Ltd has declared a significant dividend and has shown strong total returns across all periods, indicating robust performance and shareholder value enhancement.

Who are the peers of the Cholaman.Inv.&Fn?

Peers of Cholaman.Inv.&Fn include Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, SBI Cards, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv. Cholaman.Inv.&Fn has good management risk and a 1-year return of 22.16%, while Authum Invest leads with 164.69% return, and Jio Financial has the lowest at -20.18%.

Peers: The peers of Cholaman.Inv.&Fn are Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, SBI Cards, Aditya Birla Cap, Sundaram Finance, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Muthoot Finance, SBI Cards, and Cholaman.Inv.&Fn, while Average management risk is found at Jio Financial, L&T Finance Ltd, Authum Invest, and M & M Fin. Serv. Good management risk is noted at Shriram Finance and Sundaram Finance, and the rest have Average management risk. Growth is Excellent at Jio Financial and Authum Invest, Good at Cholaman.Inv.&Fn, Bajaj Finance, and Shriram Finance, while Average growth is seen at Muthoot Finance, SBI Cards, Aditya Birla Cap, and Sundaram Finance. Below Average growth is noted at L&T Finance Ltd and M & M Fin. Serv. Capital Structure is Excellent at Bajaj Finance, Muthoot Finance, SBI Cards, Shriram Finance, and the rest have Good or Average ratings.<BR><BR>Return Snapshot: Authum Invest has the highest 1-year return at 164.69%, while Jio Financial has the lowest at -20.18%. Cholaman.Inv.&Fn's 1-year return of 22.16% is significantly higher than Jio Financial's but lower than Authum Invest's. Additionally, Jio Financial and M & M Fin. Serv. have negative six-month returns.

Who are in the management team of Cholaman.Inv.&Fn?

As of March 2023, the management team of Cholaman.Inv.&Fn includes P Sujatha (Company Secretary), N Ramesh Rajan, Rohan Verma, Bhama Krishnamurthy, Anand Kumar (all Independent Directors), Ravindra Kumar Kundu (Executive Director), Vellayan Subbiah (Chairman), and M A M Arunachalam (Director). Each member contributes to the company's governance and strategic direction.

As of March 2023, the management team of Cholaman.Inv.&Fn includes the following individuals:<BR><BR>1. P Sujatha - Company Secretary & Compliance Officer<BR>2. N Ramesh Rajan - Independent Director<BR>3. Rohan Verma - Independent Director<BR>4. Bhama Krishnamurthy - Independent Director<BR>5. Ravindra Kumar Kundu - Executive Director<BR>6. Vellayan Subbiah - Chairman (Non-Executive)<BR>7. M A M Arunachalam - Director<BR>8. Anand Kumar - Independent Director<BR><BR>Each member plays a significant role in the governance and strategic direction of the company.

What does Cholaman.Inv.&Fn do?

Cholamandalam Investment and Finance Company Limited is a large-cap NBFC providing comprehensive financial services, with recent net sales of ₹70,456 Cr and a net profit of ₹12,595 Cr as of March 2025. Key metrics include a P/E ratio of 31.00 and a market capitalization of ₹130,408 Cr.

Overview:<BR>Cholamandalam Investment and Finance Company Limited is a comprehensive financial services provider operating in the Non Banking Financial Company (NBFC) sector with a large-cap market capitalization.<BR><BR>History:<BR>The company was incorporated in an unspecified year and has maintained its status as a leading financial services provider. The latest quarterly results reported are for March 2025, showing significant sales and profit figures.<BR><BR>Financial Snapshot:<BR>- Most recent Net Sales: 70,456 Cr (Quarterly Results - Mar 2025)<BR>- Most recent Net Profit: 12,595 Cr (Quarterly Results - Mar 2025)<BR>- Market-cap value: INR 130,408 Cr (Large Cap)<BR><BR>Key Metrics:<BR>- P/E: 31.00<BR>- Industry P/E: 23<BR>- Dividend Yield: 0.13%<BR>- Debt Equity: 7.40<BR>- Return on Equity: 18.01%<BR>- Price to Book: 5.54<BR><BR>Contact Details:<BR>Address: Dare House No 2 N S C Bose Rd, Parrys Chennai Tamil Nadu : 600001<BR>Tel: 91-044-30007172<BR>Email: investors@chola.murugappa.com<BR>Website: http://www.cholamandalam.com

Who are the top shareholders of the Cholaman.Inv.&Fn?

The top shareholders of Cholaman.Inv.&Fn include Cholamandalam Financial Holdings Limited with 44.34%, foreign institutional investors at 28.23%, and mutual funds holding 12.46%. Axis Mutual Fund Trustee Limited is the largest public shareholder at 2.39%, while individual investors own 4.93%.

The top shareholders of Cholaman.Inv.&Fn include several key players. The majority shareholder is Cholamandalam Financial Holdings Limited, which holds 44.34% of the company. In addition, foreign institutional investors (FIIs) collectively own 28.23%, while mutual funds are represented by 39 schemes, accounting for 12.46% of the holdings. The highest public shareholder is Axis Mutual Fund Trustee Limited, which holds 2.39%. Individual investors also have a stake, with their holdings totaling 4.93%.

Are Cholaman.Inv.&Fn latest results good or bad?

Cholamandalam Investment's latest results show strong revenue and profit growth, with net sales up 19.76% year-on-year and net profit increasing by 19.82%. However, declining profit margins and a high debt-to-equity ratio suggest investors should be cautious.

Cholamandalam Investment's latest results present a mixed picture. On the positive side, the company achieved a net sales figure of ₹7,491.38 crores, marking a 3.09% increase quarter-on-quarter and a significant 19.76% rise year-on-year. This indicates strong revenue growth driven by various financial services, including vehicle finance and home loans.<BR><BR>Net profit also showed improvement, rising by 1.91% from the previous quarter to ₹1,159.61 crores, which is a 19.82% increase year-on-year. This reflects the company's ability to maintain profitability despite some challenges.<BR><BR>However, there are concerns regarding profitability margins. The profit after tax (PAT) margin decreased to 15.48% from 15.66% in the previous quarter, indicating some pressure on margins. Additionally, the company's debt-to-equity ratio of 7.40 times is notably high, which raises concerns about leverage and associated risks.<BR><BR>Overall, while the revenue and profit growth are encouraging, the margin compression and high leverage suggest that investors should approach the company's performance with caution. The results indicate resilience in growth, but profitability pressures warrant careful monitoring.

Is Cholaman.Inv.&Fn overvalued or undervalued?

As of November 18, 2025, Cholaman.Inv.&Fn is considered very expensive and overvalued with a PE ratio of 30.78, despite outperforming the Sensex, indicating that investors may be paying a premium for its growth potential compared to its peers.

As of 18 November 2025, the valuation grade for Cholaman.Inv.&Fn has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently assessed as overvalued. Key ratios include a PE ratio of 30.78, an EV to EBITDA of 16.22, and a PEG ratio of 1.53, all of which suggest that the stock is trading at a premium compared to its earnings growth potential.<BR><BR>In comparison to its peers, Cholaman.Inv.&Fn's PE ratio is lower than Bajaj Finance's 34.46 but significantly higher than Life Insurance's 11.34, which is categorized as very attractive. This disparity highlights the overvaluation of Cholaman.Inv.&Fn within its industry. While the stock has outperformed the Sensex with a year-to-date return of 42.84% compared to the Sensex's 8.36%, the current valuation metrics suggest that investors may be paying too much for future growth prospects.

How has been the historical performance of Cholaman.Inv.&Fn?

Cholaman.Inv.&Fn has shown significant growth, with net sales rising from 8,712.01 Cr in Mar'20 to 25,845.98 Cr in Mar'25, and profit after tax increasing from 1,196.94 Cr to 4,260.00 Cr in the same period. Despite rising interest expenses, total assets grew from 63,530.91 Cr to 2,00,938.16 Cr, although cash flow from operations remained negative.

Answer:<BR>The historical performance of Cholaman.Inv.&Fn shows significant growth in net sales and profits over the years, with net sales increasing from 8,712.01 Cr in Mar'20 to 25,845.98 Cr in Mar'25. The total operating income followed a similar trend, reaching 25,845.98 Cr in Mar'25, up from 7,087.62 Cr in Mar'19. Operating profit (PBDIT) also saw a substantial rise, climbing from 5,455.45 Cr in Mar'19 to 18,480.81 Cr in Mar'25. However, interest expenses have increased sharply, from 3,588.14 Cr in Mar'19 to 12,494.53 Cr in Mar'25, impacting profit before tax, which rose to 5,741.45 Cr in Mar'25 from 1,831.53 Cr in Mar'19. Profit after tax also improved significantly, reaching 4,260.00 Cr in Mar'25 compared to 1,196.94 Cr in Mar'19. The company's total assets increased from 63,530.91 Cr in Mar'20 to 2,00,938.16 Cr in Mar'25, while total liabilities grew from 55,005.43 Cr in Mar'20 to 1,75,036.00 Cr in Mar'25. The cash flow from operating activities remained negative, indicating ongoing challenges in generating cash from operations, but net cash inflow improved to 4,434.00 Cr in Mar'25 from a negative position in the previous year.<BR><BR>Breakdown:<BR>Cholaman.Inv.&Fn has demonstrated a robust growth trajectory in its financial performance over the years. Net sales surged from 8,712.01 Cr in Mar'20 to an impressive 25,845.98 Cr in Mar'25, reflecting a strong demand for its offerings. The total operating income mirrored this growth, reaching 25,845.98 Cr in Mar'25. Operating profit (PBDIT) increased significantly from 5,455.45 Cr in Mar'19 to 18,480.81 Cr in Mar'25, showcasing improved operational efficiency. Despite rising interest expenses, which escalated from 3,588.14 Cr in Mar'19 to 12,494.53 Cr in Mar'25, profit before tax rose to 5,741.45 Cr in Mar'25, up from 1,831.53 Cr in Mar'19. Profit after tax also saw a notable increase, reaching 4,260.00 Cr in Mar'25 compared to 1,196.94 Cr in Mar'19. The company's total assets expanded significantly from 63,530.91 Cr in Mar'20 to 2,00,938.16 Cr in Mar'25, while total liabilities increased from 55,005.43 Cr in Mar'20 to 1,75,036.00 Cr in Mar'25. Although cash flow from operating activities remained negative, the net cash inflow improved to 4,434.00 Cr in Mar'25, indicating a positive shift in cash management.

Is Cholaman.Inv.&Fn technically bullish or bearish?

As of December 4, 2025, the technical trend is bullish, supported by strong MACD and KST indicators, although caution is advised due to mixed signals from Bollinger Bands, RSI, and other indicators.

As of 4 December 2025, the technical trend has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both weekly and monthly time frames, while the moving averages on the daily chart also indicate a bullish trend. The KST is bullish on both weekly and monthly time frames, reinforcing the bullish sentiment. Although the Bollinger Bands show a mildly bullish stance on both weekly and monthly charts, the lack of signals from the RSI and no trends in Dow Theory and OBV suggest some caution. Overall, the strength of the bullish trend is supported by multiple indicators, particularly the MACD and KST.

Why is Cholamandalam Investment & Finance Company Ltd falling/rising?

As of 29-Jan, Cholamandalam Investment & Finance Company Ltd's stock price is rising to 1,652.40, reflecting a trend reversal after previous declines and outperforming its sector. Despite a drop in investor participation, the stock shows strong long-term fundamentals and has generated a 27.80% return over the last year.

As of 29-Jan, Cholamandalam Investment & Finance Company Ltd's stock price is rising, currently at 1,652.40, reflecting an increase of 16.5 (1.01%). This rise can be attributed to a trend reversal, as the stock has gained after three consecutive days of decline. Additionally, it has outperformed its sector by 0.92% today, indicating a positive performance relative to its peers.<BR><BR>Despite a recent decline in investor participation, with delivery volume falling by 20.32% against the 5-day average, the stock remains liquid enough for trading, with a value of Rs 4.45 crore based on 2% of the 5-day average traded value. The stock's current price is also higher than its 5-day and 200-day moving averages, suggesting a potential upward momentum.<BR><BR>Furthermore, Cholamandalam Investment & Finance Company Ltd has demonstrated strong long-term fundamental strength, with an average Return on Equity (ROE) of 17.68% and an operating profit growth rate of 25.48% annually. High institutional holdings at 44.11% indicate confidence from larger investors, who typically have more resources to analyze company fundamentals. The stock has shown market-beating performance over the long term, generating a 27.80% return in the last year, which further supports its rising price.

Which are the latest news on Cholaman.Inv.&Fn?

Should I buy, sell or hold Cholamandalam Investment & Finance Company Ltd?