Cholaman.Inv.&Fn

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

As of 03-Aug, Cholamandalam Investment & Finance Company Ltd's stock price is rising, currently at 1,877.00, with a 31.96% increase over the past year and strong investor interest, as indicated by a new 52-week high and increased delivery volume. The stock's positive performance is supported by solid fundamentals and high institutional holdings.

As of 03-Aug, Cholamandalam Investment & Finance Company Ltd is experiencing a rise in its stock price, currently at 1,877.00, reflecting an increase of 27.2 (1.47%). This upward movement can be attributed to several factors. The stock has shown strong performance over various time frames, with a 5.17% increase over the past week and a remarkable 31.96% rise over the last year, significantly outperforming the Sensex, which has declined by 2.43% in the same period.<BR><BR>Additionally, the stock reached a new 52-week high of Rs. 1913.15 today, indicating strong investor interest and confidence. The stock has been gaining for the last two days, with a total return of 5.69% during this period. It is also trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which is a positive technical indicator.<BR><BR>Investor participation has increased, as evidenced by a 19.02% rise in delivery volume compared to the 5-day average. Furthermore, the company has demonstrated strong long-term fundamentals, with an average Return on Equity (ROE) of 17.90% and consistent positive results over the last three quarters, including record net sales and profits.<BR><BR>High institutional holdings at 45.07% suggest that knowledgeable investors are backing the stock, further supporting its price increase. Overall, the combination of strong performance metrics, positive investor sentiment, and robust fundamentals contributes to the rising stock price of Cholamandalam Investment & Finance Company Ltd.

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

Are Cholamandalam Investment & Finance Company Ltd latest results good or bad?

Cholamandalam Investment & Finance Company Ltd's latest Q1 FY27 results are strong, with a net profit of ₹1,656.22 crores, up 45.56% year-on-year, and a 21.87% increase in interest income. The company's high operating margin and favorable return on equity indicate effective performance and growth in the non-banking financial sector.

Cholamandalam Investment & Finance Company Ltd's latest results for Q1 FY27 can be considered quite good. The company reported a net profit of ₹1,656.22 crores, which represents a significant year-on-year increase of 45.56%. This growth is impressive and indicates strong operational performance.<BR><BR>Additionally, interest income rose by 21.87% year-on-year to ₹8,856.29 crores, showcasing sustained momentum in loan disbursements and expansion of assets under management. The operating margin, excluding other income, reached a high of 70.05%, reflecting effective cost management and operational leverage.<BR><BR>The return on equity stands at 17.90%, which is favorable within the non-banking financial company (NBFC) sector, indicating efficient capital utilization. Overall, the results demonstrate robust growth and profitability, positioning Cholamandalam as a standout performer in its industry.

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

What does Cholaman.Inv.&Fn do?

Cholamandalam Investment and Finance Company Limited is a large-cap NBFC providing comprehensive financial services, with net sales of ₹8,417 Cr and a net profit of ₹1,645 Cr as of March 2026. Key metrics include a P/E ratio of 24.00, a dividend yield of 0.13%, and a market cap of ₹128,001 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 2026, showcasing net sales and profit figures.<BR><BR>Financial Snapshot:<BR>- Net Sales: 8,417 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 1,645 Cr (Quarterly Results - Mar 2026)<BR>- Market Cap: INR 128,001 Cr (Large Cap)<BR><BR>Key Metrics:<BR>- P/E: 24.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.13%<BR>- Debt Equity: 6.93<BR>- Return on Equity: 17.18%<BR>- Price to Book: 4.20<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

How big is Cholaman.Inv.&Fn?

As of 10th June, Cholamandalam Investment & Finance Company Ltd has a market capitalization of 128,001.00 Cr and reported net sales of 31,073.10 Cr and net profit of 5,232.61 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: Cholamandalam Investment & Finance Company Ltd has a market capitalization of 128,001.00 Cr, classified as a Large Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 31,073.10 Cr, while the sum of Net Profit for the same period is 5,232.61 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. Shareholder's Funds stand at 23,668.69 Cr, and Total Assets amount to 2,00,938.16 Cr.

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

The management team of Cholaman.Inv.&Fn includes P Sujatha (Company Secretary), N Ramesh Rajan, Rohan Verma, Bhama Krishnamurthy, Anand Kumar (Independent Directors), Ravindra Kumar Kundu (Executive Director), Vellayan Subbiah (Chairman), and M A M Arunachalam (Director).

The management team of Cholaman.Inv.&Fn includes the following members:<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>If you need more details about any specific member or their roles, feel free to ask!

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

Cholaman.Inv.&Fn's peers include Bajaj Finance, Shriram Finance, Jio Financial, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and Sundaram Finance. In terms of management risk, growth, and capital structure, Cholaman.Inv.&Fn ranks well but has a 1-year return of -8.80%, better than SBI Cards but worse than Shriram Finance's 29.75%.

Peers: The peers of Cholaman.Inv.&Fn are Bajaj Finance, Shriram Finance, Jio Financial, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and Sundaram Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Muthoot Finance, and SBI Cards, while Good management risk is found at Shriram Finance, Aditya Birla Cap, HDB FINANC SER, and Sundaram Finance. Average management risk is present at Jio Financial and L&T Finance Ltd. Growth is Excellent at Jio Financial, Good at Bajaj Finance, Shriram Finance, Muthoot Finance, Aditya Birla Cap, and Cholaman.Inv.&Fn, while Below Average growth is noted at L&T Finance Ltd. Capital Structure is Excellent for Bajaj Finance, Shriram Finance, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, and SBI Cards, while Good capital structure is seen at Cholaman.Inv.&Fn and HDB FINANC SER.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Shriram Finance at 29.75%, while the lowest is SBI Cards at -41.95%. Cholaman.Inv.&Fn's 1-year return of -8.80% is better than SBI Cards but worse than Shriram Finance. Additionally, peers with negative six-month returns include Jio Financial, Muthoot Finance, SBI Cards, and Sundaram Finance.

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.

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 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.

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%.

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.