Cholaman.Inv.&Fn

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

As of 25-Aug, Cholamandalam Investment & Finance Company Ltd's stock price is rising, currently at 1,867.00, reflecting an increase of 8.7 (0.47%). The stock shows strong long-term fundamentals, increased investor interest, and is trading above key moving averages, indicating a positive trend despite valuation concerns.

As of 25-Aug, Cholamandalam Investment & Finance Company Ltd's stock price is rising, currently at 1,867.00, reflecting an increase of 8.7 (0.47%). This upward movement follows a trend reversal after two consecutive days of decline. The stock's performance today is in line with its sector, and it is close to its 52-week high, being only 4.55% away from Rs 1,952.<BR><BR>Investor participation has also increased, with a delivery volume of 5.53 lacs on 24 August, which is up by 28.2% compared to the 5-day average. This indicates growing interest among investors. Additionally, the stock is trading above its 50-day, 100-day, and 200-day moving averages, suggesting a positive trend in the medium to long term.<BR><BR>The company has demonstrated strong long-term fundamental strength, with an average Return on Equity (ROE) of 17.90% and a healthy annual growth rate of 28.45% in operating profit. Furthermore, it has reported positive results for the last three consecutive quarters, achieving record highs in net sales, PBDIT, and PAT. The stock has also outperformed the BSE500 index over various time frames, including a notable 23.73% return over the past year.<BR><BR>Despite some concerns regarding its valuation, as indicated by a high Price to Book Value ratio of 5.2, the overall positive financial performance and increasing investor interest contribute to the stock's rising price.

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

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), M A M Arunachalam (Director), and Vellayan Subbiah (Chairman, Non-Executive).

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>If you need more details about any specific member or their roles, feel free to ask!

What does Cholaman.Inv.&Fn do?

Cholamandalam Investment and Finance Company Limited is a large-cap NBFC providing comprehensive financial services, with a net profit of ₹1,656 Cr and a market cap of ₹162,176 Cr as of June 2026. Key metrics include a P/E ratio of 28.00 and a debt-equity ratio of 6.93.

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 classification.<BR><BR>History:<BR>The company was incorporated in the past, with the latest quarterly results reported for June 2026, showcasing its ongoing operations in the financial sector.<BR><BR>Financial Snapshot:<BR>Net Sales: 8,856 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 1,656 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 162,176 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 28.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.10% <BR>Debt-Equity: 6.93 <BR>Return on Equity: 17.18% <BR>Price to Book: 5.32 <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 peers of the Cholaman.Inv.&Fn?

Peers of Cholaman.Inv.&Fn include Bajaj Finance, Shriram Finance, Jio Financial, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and M & M Fin. Serv. Cholaman.Inv.&Fn has a good capital structure and a 1-year return of 31.40%, lower than Shriram Finance's 82.16% but higher than Jio Financial's -22.84%.

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 M & M Fin. Serv.<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, and HDB FINANC SER, and Average management risk is present at Jio Financial, L&T Finance Ltd, and M & M Fin. Serv. Growth is Excellent at Jio Financial, while Good growth is seen at Bajaj Finance, Shriram Finance, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, and M & M Fin. Serv., and Below Average growth is noted at L&T Finance Ltd. Capital Structure is Excellent at Bajaj Finance, Shriram Finance, Muthoot Finance, Aditya Birla Cap, and L&T Finance Ltd, while Good capital structure is observed at Cholaman.Inv.&Fn and HDB FINANC SER.<BR><BR>Return Snapshot: Shriram Finance has the highest 1-year return at 82.16%, while Jio Financial has the lowest at -22.84%. Cholaman.Inv.&Fn's 1-year return of 31.40% is higher than Jio Financial's but lower than Shriram Finance's. Additionally, Muthoot Finance, Jio Financial, SBI Cards, and HDB FINANC SER have negative six-month returns.

How big is Cholaman.Inv.&Fn?

As of 14th August, Cholamandalam Investment & Finance Company Ltd has a market capitalization of 162,431.00 Cr and reported net sales of 32,662.59 Cr and net profit of 5,751.00 Cr over the latest four quarters.

As of 14th August, <BR><BR>Market Cap: Cholamandalam Investment & Finance Company Ltd has a market capitalization of 162,431.00 Cr, classified as a Large Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 32,662.59 Cr, while the sum of Net Profit for the same period is 5,751.00 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026, with Shareholder's Funds amounting to 30,458.40 Cr and Total Assets valued at 2,44,288.00 Cr.

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?

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.