Chola Financial

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 19-Jun, Cholamandalam Financial Holdings Ltd's stock price is slightly rising at 1,589.40, but it has declined 12.44% year-to-date and 18.87% over the past year, facing challenges from high debt levels and decreased investor participation. Despite recent positive financial results, the overall sentiment remains cautious due to these ongoing issues.

As of 19-Jun, Cholamandalam Financial Holdings Ltd's stock price is experiencing a slight rise, currently at 1,589.40, with a change of 0.6 (0.04%) upward. This modest increase can be attributed to several factors. Over the past week, the stock has outperformed the benchmark Sensex, gaining 4.10% compared to the Sensex's 1.69%. Additionally, the company reported positive financial results for the quarter ending March 26, with net sales reaching a record high of Rs 10,366.20 crore and cash and cash equivalents at Rs 14,975.78 crore, indicating strong operational performance.<BR><BR>However, it is important to note that despite this short-term rise, the stock has faced significant challenges over longer periods. Year-to-date, it has declined by 12.44%, and over the past year, it has fallen by 18.87%, underperforming the broader market, which has seen a return of 1.23%. The stock's performance is also hindered by high debt levels, with a debt-to-equity ratio averaging 9.49 times, which raises concerns about long-term fundamental strength.<BR><BR>Investor participation has decreased, as evidenced by a 79.39% drop in delivery volume compared to the 5-day average, suggesting waning interest among investors. Despite high institutional holdings at 40.36%, which typically indicates confidence from more sophisticated investors, the overall sentiment remains cautious due to the company's high debt and underperformance over the past year. Thus, while there is a slight rise in the stock price currently, the broader context indicates ongoing challenges that could affect its future performance.

Which are the latest news on Chola Financial?

What does Chola Financial do?

Cholamandalam Financial Holdings Ltd is a mid-cap Non-Banking Financial Company (NBFC) offering a variety of financial products and services to individuals and corporations. As of March 2026, it reported net sales of ₹10,366 Cr and a net profit of ₹687 Cr, with a market capitalization of ₹27,228 Cr.

Overview: <BR>Cholamandalam Financial Holdings Ltd is a Non Banking Financial Company (NBFC) in the mid-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 company began its business in 1955 with the manufacturing of tubes. The latest quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 10,366 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 687 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 27,228 Cr (Mid Cap)<BR><BR>Key Metrics: <BR>P/E: 11.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.09% <BR>Debt Equity: 12.65 <BR>Return on Equity: 15.80% <BR>Price to Book: 1.77 <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

How big is Chola Financial?

As of 10th June, Cholamandalam Financial Holdings Ltd has a market capitalization of 27,228.00 Cr, with recent Net Sales of 39,072.72 Cr and a Net Profit of 2,441.29 Cr.

As of 10th June, Cholamandalam Financial Holdings Ltd has a market capitalization of 27,228.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 39,072.72 Cr and a Net Profit of 2,441.29 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 12,515.28 Cr and Total Assets of 2,23,688.33 Cr.

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, who collectively guide the company's strategic direction and governance.

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 plays a significant role in guiding the company's strategic direction and governance.

Who are the peers of the Chola Financial?

Chola Financial's peers include Authum Invest., M & M Fin. Serv., Poonawalla Fin., Tata Inv. Corpn., Manappuram Fin., IIFL Finance, Capri Global, Five-Star Bus. Fi, and SBFC Finance. Their management risks range from excellent to below average, with Chola Financial showing below average capital structure and a 1-year return of -28.50%.

Peers: The peers of Chola Financial are Authum Invest., M & M Fin. Serv., 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 Five-Star Bus.Fi, IIFL Finance, and Manappuram Fin., while Good management risk is found at Poonawalla Fin, SBFC Finance, and Authum Invest. Average management risk is present at M & M Fin. Serv., Capri Global, and Tata Inv.Corpn., and the rest have Below Average management risk. Growth is Excellent for Chola Financial, Capri Global, and Poonawalla Fin., while Good growth is noted at Five-Star Bus.Fi and the rest have Average or Below Average growth. Capital Structure is Excellent for Authum Invest., M & M Fin. Serv., Poonawalla Fin, Tata Inv.Corpn., Manappuram Fin., IIFL Finance, Capri Global, and SBFC Finance, while Below Average is noted for Chola Financial.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Manappuram Fin. at 6.82%, while the lowest is Five-Star Bus.Fi at -47.27%. Chola Financial's 1-year return is -28.50%, which is significantly lower than Manappuram Fin. and higher than Five-Star Bus.Fi. Additionally, the six-month return is negative for Authum Invest., M & M Fin. Serv., Poonawalla Fin., Tata Inv.Corpn., Chola Financial, Five-Star Bus.Fi, and SBFC Finance.

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.