ScoreWhy is Cholamandalam Financial Holdings Ltd ?
1
High Debt company with Weak Long Term Fundamental Strength
- The company is Net-Debt Free
- The company has been able to generate a Return on Capital Employed (avg) of 9.89% signifying low profitability per unit of total capital (equity and debt)
2
Positive results in Mar 26
- NET SALES(Q) Highest at Rs 10,366.20 cr
- PBDIT(Q) Highest at Rs 5,825.07 cr.
- PBT LESS OI(Q) Highest at Rs 1,988.82 cr.
3
With ROE of 16.3, it has a Very Attractive valuation with a 2.4 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -2.59%, its profits have risen by 14.2% ; the PEG ratio of the company is 1
4
High Institutional Holdings at 40.36%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Chola Financial should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Chola Financial for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Chola Financial
-2.59%
-0.07
37.78%
Sensex
-3.74%
-0.28
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.45%
EBIT Growth (5y)
24.76%
EBIT to Interest (avg)
1.55
Debt to EBITDA (avg)
9.46
Net Debt to Equity (avg)
12.91
Sales to Capital Employed (avg)
0.18
Tax Ratio
26.01%
Dividend Payout Ratio
1.12%
Pledged Shares
0.02%
Institutional Holding
40.36%
ROCE (avg)
10.22%
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
22
Price to Book Value
2.44
EV to EBIT
10.19
EV to EBITDA
10.03
EV to Capital Employed
1.10
EV to Sales
5.58
PEG Ratio
0.99
Dividend Yield
0.07%
ROCE (Latest)
10.45%
ROE (Latest)
16.30%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(Q)
Highest at Rs 10,366.20 cr
PBDIT(Q)
Highest at Rs 5,825.07 cr.
PBT LESS OI(Q)
Highest at Rs 1,988.82 cr.
PAT(Q)
Highest at Rs 687.14 cr.
EPS(Q)
Highest at Rs 36.59
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for Chola Financial
Net Sales - Quarterly
Highest at Rs 10,366.20 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 5,825.07 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,988.82 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,988.82 cr has Grown at 20.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 1,651.92 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 687.14 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 36.59
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Chola Financial
Non Operating Income - Quarterly
Highest at Rs 153.30 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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