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 results show mixed performance: a net profit of ₹549.92 crores reflects a 4.64% year-on-year growth but a 4.94% decline from the previous quarter, while revenue increased by 16.95% year-on-year. However, challenges like high leverage and declining operating margins suggest caution for investors.

Cholamandalam Financial Holdings Ltd's latest results present a mixed picture. On one hand, the company reported a consolidated net profit of ₹549.92 crores for Q2 FY26, which reflects a year-on-year growth of 4.64%. However, this is a decline of 4.94% compared to the previous quarter, indicating a struggle to maintain profitability momentum. <BR><BR>Revenue growth appears more positive, with net sales reaching ₹9,461.41 crores, up 1.78% quarter-on-quarter and 16.95% year-on-year. This suggests that the company is still expanding its loan book and fee-based income. However, the operating margin has compressed to 53.93%, down from 55.45% in the previous quarter, signaling deteriorating operational efficiency.<BR><BR>The company faces significant challenges, including high leverage with a debt-to-equity ratio of 12.91 times and rising operational costs, particularly employee expenses. These factors have contributed to a bearish technical trend for the stock, which is currently trading 25.18% below its 52-week high.<BR><BR>Overall, while there are some positive aspects, such as revenue growth, the decline in profit and margin compression raise concerns about the company's financial health and operational efficiency. Investors should approach with caution, considering both the potential for growth and the existing challenges.

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

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 17-Mar, Cholamandalam Financial Holdings Ltd's stock price is declining at 1,521.15, down 3.17%, due to underperformance against its sector and a bearish trend indicated by trading below key moving averages. Despite increased investor participation, the stock's year-to-date decline of 16.20% and high debt levels raise concerns about its long-term strength.

As of 17-Mar, Cholamandalam Financial Holdings Ltd is experiencing a decline in its stock price, currently at 1,521.15, reflecting a change of -49.75 (-3.17%). This drop can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has underperformed against its sector, with a performance today that is -4.36% lower than the sector average. Additionally, the stock has seen a trend reversal, having fallen after two consecutive days of gains, indicating a shift in market sentiment. The stock also touched an intraday low of Rs 1513.5, which is a significant decline of -3.65%. <BR><BR>Moreover, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, suggesting a bearish trend. Despite a rise in investor participation, with a delivery volume increase of 3.97% on 16 March, the overall market conditions appear unfavorable for Cholamandalam Financial Holdings Ltd.<BR><BR>From a broader perspective, the stock has shown a year-to-date decline of -16.20%, significantly worse than the Sensex's decline of -10.74%. While there are some positive indicators, such as high net sales and cash equivalents, the company's high debt levels, with a debt-to-equity ratio of 9.49 times, raise concerns about its long-term fundamental strength. This combination of factors contributes to the stock's current downward trajectory.

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 18-Mar, Cholamandalam Financial Holdings Ltd's stock price is declining, currently at 1,498.30, down 1.5%. The stock has consistently underperformed, with significant losses over the past month and year-to-date, compounded by high debt levels and a bearish trend indicated by trading below key moving averages.

As of 18-Mar, Cholamandalam Financial Holdings Ltd's stock price is falling, currently at 1,498.30, reflecting a decrease of 22.85 points or 1.5%. The stock has been on a downward trend, having lost 4.62% over the last two days and underperformed its sector by 2.85% today. It has also fallen significantly over the past month by 14.72% and year-to-date by 17.46%, indicating a consistent decline in value.<BR><BR>The stock's performance is further illustrated by its trading below all key moving averages (5-day, 20-day, 50-day, 100-day, and 200-day), which suggests a bearish trend. Additionally, despite a rise in investor participation, with a delivery volume increase of 1.79% against the 5-day average, the overall sentiment remains negative.<BR><BR>Financially, the company has high debt levels, with a debt-to-equity ratio averaging 9.49 times, which raises concerns about its long-term fundamental strength. Although it reported positive results in December, including the highest net sales and cash equivalents, the stock has still underperformed the broader market, which has generated positive returns of 5.49% over the past year, while Cholamandalam has seen a decline of 9.62%. This combination of high debt, underperformance relative to the market, and negative short-term trends contributes to the stock's current falling price.

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 19-Mar, Cholamandalam Financial Holdings Ltd's stock price is declining, currently at Rs 1,428.60, down 4.65%. This decline is due to underperformance against the Sensex, high debt levels, and negative sentiment in the finance sector, despite increased investor participation.

As of 19-Mar, Cholamandalam Financial Holdings Ltd is experiencing a decline in its stock price, currently at Rs 1,428.60, which reflects a change of -69.7 (-4.65%). This downward movement can be attributed to several factors highlighted in the recent performance data. <BR><BR>The stock has underperformed significantly compared to the benchmark Sensex, with a 1-week decline of -3.94% versus the Sensex's -2.40%, and a 1-month drop of -16.34% compared to the Sensex's -10.05%. Over the past year, the stock has generated a return of -13.03%, while the broader market has seen a slight gain of 1.22%. <BR><BR>Additionally, the stock has been on a consecutive decline for the last three days, with a total drop of -9.06% during this period. It has also touched an intraday low of Rs 1,407.1, marking a decrease of -6.09%. The stock is trading below its moving averages across various time frames, indicating a bearish trend.<BR><BR>Moreover, the finance/NBFC sector has seen a decline of -3.85%, contributing to the negative sentiment surrounding the stock. Although there has been an increase in investor participation, with delivery volume rising by 50.51%, this has not been sufficient to counteract the overall negative performance.<BR><BR>The company's high debt levels, with a debt-to-equity ratio averaging 9.49 times, and weak long-term fundamental strength further exacerbate the situation. Despite reporting positive results in terms of net sales and cash equivalents, the high debt burden and low profitability per unit of capital employed have raised concerns among investors, leading to the stock's current downward trajectory.

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 20-Mar, Cholamandalam Financial Holdings Ltd is facing a significant decline in its stock price, currently at Rs 1,416.50, with a total drop of -9.83% over the last four days and negative returns across various time frames. The stock is near its 52-week low and has underperformed compared to the market, primarily due to high debt levels and weak fundamentals.

As of 20-Mar, Cholamandalam Financial Holdings Ltd is experiencing a decline in its stock price, currently at Rs 1,416.50, which reflects a change of -12.1 (-0.85%). The stock has been underperforming significantly, with a consecutive fall over the last four days, resulting in a total decline of -9.83% during this period. Additionally, the stock is close to its 52-week low, being only 2.11% away from Rs 1,386.60.<BR><BR>In terms of performance metrics, the stock has shown negative returns across various time frames, including a -15.89% decline over the past month and a -21.97% year-to-date drop. This contrasts sharply with the Sensex, which has only decreased by -0.04% over the past week and -12.54% year-to-date. The stock's performance today also indicates it has underperformed its sector by -0.28%.<BR><BR>Despite a brief opening gain of 3.48% and an intraday high of Rs 1,478.25, the stock has faced downward pressure, evidenced by trading below all key moving averages (5-day, 20-day, 50-day, 100-day, and 200-day). Furthermore, while there has been a notable increase in delivery volume, rising by 152.03% against the 5-day average, the overall sentiment remains negative due to the company's high debt levels and weak long-term fundamental strength, with a debt-to-equity ratio averaging 9.49 times.<BR><BR>In summary, the combination of consecutive price declines, underperformance relative to the market and sector, and concerns regarding high debt levels contribute to the falling stock price of Cholamandalam Financial Holdings Ltd.

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 23-Mar, Cholamandalam Financial Holdings Ltd's stock price is declining, currently at Rs. 1,373.50, with a significant drop of -12.57% over the last five days and a year-to-date decline of -24.34%. The company's high debt levels and poor performance relative to the market are contributing to investor concerns.

As of 23-Mar, Cholamandalam Financial Holdings Ltd is experiencing a decline in its stock price, currently at Rs. 1,373.50, which reflects a change of -31.65 (-2.25%). The stock has been on a downward trend, having fallen consecutively for the last five days, resulting in a total return of -12.57% over that period. Today, the stock reached a new 52-week low of Rs. 1,305, marking a significant intraday drop of -7.13%.<BR><BR>The stock's performance has been notably poor over various time frames, with a year-to-date decline of -24.34% and a one-year return of -19.12%, significantly underperforming the broader market, which saw a decline of only -5.47% in the same period. Additionally, the stock is trading below its moving averages across multiple time frames, indicating a bearish trend.<BR><BR>Despite some positive financial indicators, such as high net sales and cash equivalents, the company is burdened by high debt, with a debt-to-equity ratio averaging 9.49 times. This high level of debt, combined with weak long-term fundamental strength, contributes to investor concerns and has led to the stock's poor performance. Furthermore, the finance sector overall has also seen a decline of -3.81%, which may be impacting investor sentiment towards Cholamandalam Financial Holdings Ltd.<BR><BR>In summary, the combination of consecutive price declines, underperformance relative to the market, high debt levels, and overall sector weakness are key factors contributing to the falling stock price of Cholamandalam Financial Holdings Ltd.

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 24-Mar, Cholamandalam Financial Holdings Ltd's stock price is rising to Rs 1,373.70 after five days of decline, but it has underperformed its sector and shows significant year-to-date and one-year declines. The recent uptick is supported by increased investor participation, though concerns remain due to high debt levels and overall poor performance.

As of 24-Mar, Cholamandalam Financial Holdings Ltd's stock price is rising, currently at Rs 1,373.70, with a change of Rs 18.75 (1.38%) upward. This increase comes after a trend reversal, as the stock has gained following five consecutive days of decline. Despite this recent uptick, the stock has underperformed its sector by 0.71% today.<BR><BR>The stock's performance over the past week and month shows significant declines of 9.69% and 17.33%, respectively, indicating a challenging period. However, the stock's recent rise can be attributed to a notable increase in investor participation, with delivery volume rising by 20.91% against the five-day average. Additionally, the finance/NBFC sector has gained by 2.38%, which may have contributed to the stock's upward movement.<BR><BR>Despite the positive short-term movement, the stock has been under pressure due to its overall performance, with a year-to-date decline of 24.33% and a one-year decline of 21.35%. The company has high debt levels, reflected in a debt-to-equity ratio of 9.49 times, which raises concerns about its long-term fundamental strength. Nevertheless, the company reported strong financial results, including the highest net sales and cash equivalents, which may provide some support for the stock's valuation.<BR><BR>In summary, while Cholamandalam Financial Holdings Ltd is experiencing a rise in its stock price today, it is essential to consider the broader context of its recent performance and financial health, which includes significant debt and underperformance relative to the market over the past year.

Why is Cholamandalam Financial Holdings Ltd falling/rising?

As of 25-Mar, Cholamandalam Financial Holdings Ltd is seeing a stock price increase to 1,400.00, driven by recent gains and strong quarterly results. However, it has underperformed its sector and market over the long term, with high debt levels raising concerns about its fundamental strength.

As of 25-Mar, Cholamandalam Financial Holdings Ltd is experiencing a rise in its stock price, currently at 1,400.00, with a change of 26.3 (1.91%) upwards. This increase can be attributed to a few key factors. Firstly, the stock has shown consecutive gains over the last two days, resulting in a total return of 3.32% during this period. Additionally, the stock reached an intraday high of Rs 1,419.4, reflecting a rise of 3.33% at its peak today.<BR><BR>Despite this positive movement, it is important to note that the stock has underperformed its sector by 1.01% and is trading below its moving averages across various time frames (5-day, 20-day, 50-day, 100-day, and 200-day). Furthermore, there has been a decline in investor participation, with delivery volume falling by 4.27% compared to the 5-day average.<BR><BR>On the positive side, the company reported strong financial results for the quarter ending December 25, with net sales reaching their highest at Rs 9,948.79 crore and cash and cash equivalents also at a record high of Rs 10,506.07 crore. The company’s return on equity stands at 16.3, and it is trading at a discount compared to its peers, which may attract some investors.<BR><BR>However, the stock has faced significant challenges over the longer term, with a year-to-date decline of 22.88% and a one-year drop of 22.84%, indicating that it has underperformed the market considerably. The company also has a high debt-to-equity ratio of 9.49 times, which raises concerns about its long-term fundamental strength.<BR><BR>In summary, while Cholamandalam Financial Holdings Ltd is currently experiencing a rise in stock price due to recent gains and strong quarterly results, it faces ongoing challenges related to its long-term performance and high debt levels.

Which are the latest news on Chola Financial?