Chola Financial

What does Chola Financial do?

Cholamandalam Financial Holdings Ltd is a large-cap Non-Banking Financial Company (NBFC) offering a variety of financial products and services. As of March 2025, it reported net sales of ₹8,913 Cr and a net profit of ₹614 Cr, with a market cap of ₹36,429 Cr.

Overview:<BR>Cholamandalam Financial Holdings Ltd is a large-cap Non-Banking Financial Company (NBFC) 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 Ltd was formerly known as TI Financial Holdings Limited. The company began its business in 1955 with manufacturing tubes. The latest quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 8,913 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 614 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 36,429 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 16.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.03% <BR>Debt Equity: 13.16 <BR>Return on Equity: 17.37% <BR>Price to Book: 2.73 <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 in the management team of Chola Financial?

As of March 2023, 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, each playing key roles in governance and strategy.

As of March 2023, the management team of Chola Financial includes the following individuals:<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>Each member holds a significant role within the organization, contributing to its governance and strategic direction.

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.

Who are the peers of the Chola Financial?

Chola Financial's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Tata Inv.Corpn., Poonawalla Fin, Piramal Enterp., Five-Star Bus.Fi, and Manappuram Fin. Chola Financial has the highest 1-year return at 72.47%, while Jio Financial has the lowest at -20.18%.

Peers: The peers of Chola Financial are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Tata Inv.Corpn., Poonawalla Fin, Piramal Enterp., Five-Star Bus.Fi, and Manappuram Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, Five-Star Bus.Fi, and Manappuram Fin, while Average management risk is found at Jio Financial, Poonawalla Fin, and Piramal Enterp. Good management risk is noted at Shriram Finance, while Chola Financial and Tata Inv.Corpn. exhibit Below Average management risk. Growth is Excellent at Jio Financial, Bajaj Finance, and Five-Star Bus.Fi, while Good growth is seen at Cholaman.Inv.&Fn and Shriram Finance. Chola Financial, Poonawalla Fin, Tata Inv.Corpn., and Manappuram Fin show Below Average growth, and Muthoot Finance has Average growth. Capital Structure is Excellent at Bajaj Finance, Shriram Finance, Muthoot Finance, and Tata Inv.Corpn., while Good capital structure is noted at Cholaman.Inv.&Fn, and Below Average at Chola Financial.<BR><BR>Return Snapshot: Chola Financial has the highest 1-year return at 72.47%, while Jio Financial has the lowest at -20.18%. Chola Financial's return significantly outperforms Jio Financial's. Additionally, the six-month returns are negative for Jio Financial, Piramal Enterp., and Five-Star Bus.Fi.

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.

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.

How big is Chola Financial?

As of 24th July, Cholamandalam Financial Holdings Ltd has a market capitalization of 38,971.00 Cr, with recent Net Sales of 33,125.33 Cr and a Net Profit of 2,173.66 Cr. The company reports Shareholder's Funds of 12,515.28 Cr and Total Assets of 2,23,688.33 Cr.

As of 24th July, Cholamandalam Financial Holdings Ltd has a market capitalization of 38,971.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, Cholamandalam Financial reported Net Sales of 33,125.33 Cr and a Net Profit of 2,173.66 Cr.<BR><BR>For the reporting period of March 2025, the company has Shareholder's Funds amounting to 12,515.28 Cr and Total Assets of 2,23,688.33 Cr.

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.

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.

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.

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

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 24-May, Cholamandalam Financial Holdings Ltd's stock price is declining, currently at 1,598.70, with a year-to-date drop of 11.93% and a one-year decline of 14.09%. This trend is exacerbated by waning investor interest and high debt levels, contributing to the stock's ongoing poor performance.

As of 24-May, Cholamandalam Financial Holdings Ltd's stock price is falling, currently at 1,598.70, reflecting a decrease of 5.7 points or 0.36%. This decline is part of a broader trend, as the stock has underperformed the sector by 1.55% today and has experienced a consecutive fall over the last three days, resulting in a total drop of 4.75% during this period.<BR><BR>The stock's performance over various time frames indicates a troubling trend, with a year-to-date decline of 11.93% and a one-year drop of 14.09%, significantly worse than the market's overall performance. In contrast, the benchmark Sensex has only fallen by 6.84% over the same period. Additionally, the stock has shown a negative return of 3.54% over the past week, while the Sensex has gained 0.24%.<BR><BR>Investor participation appears to be waning, as evidenced by a 36.41% decrease in delivery volume compared to the five-day average. Although the stock is trading above its 50-day moving average, it remains below the 5-day, 20-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>While there are some positive factors, such as strong quarterly net sales and cash equivalents, the company is burdened by high debt, with a debt-to-equity ratio of 9.49 times, which raises concerns about its long-term fundamental strength. The stock's high institutional holdings at 40.36% suggest that these investors are cautious, given the company's weak profitability per unit of capital employed.<BR><BR>In summary, the combination of recent poor performance, declining investor interest, and high debt levels contributes to the ongoing fall in Cholamandalam Financial Holdings Ltd's stock price.

Which are the latest news on Chola Financial?