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 Dec 25
- NET SALES(Q) Highest at Rs 9,948.79 cr
- CASH AND CASH EQUIVALENTS(HY) Highest at Rs 10,506.07 cr
- PBDIT(Q) Highest at Rs 5,461.74 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 -8.23%, 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.
5
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 4.81% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.23% returns
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
-8.23%
-0.22
37.81%
Sensex
-3.33%
-0.25
13.43%
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
21
Price to Book Value
2.38
EV to EBIT
10.15
EV to EBITDA
9.99
EV to Capital Employed
1.10
EV to Sales
5.56
PEG Ratio
0.97
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
No Signal
No Signal
Bollinger Bands
Bullish
Sideways
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 Trend6What is working for the Company
NET SALES(Q)
Highest at Rs 9,948.79 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 10,506.07 cr
PBDIT(Q)
Highest at Rs 5,461.74 cr.
PAT(Q)
Highest at Rs 625.73 cr.
EPS(Q)
Highest at Rs 33.32
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 9,948.79 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 5,461.74 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 625.73 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 33.32
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 10,506.07 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Chola Financial
Non Operating Income - Quarterly
Highest at Rs 135.33 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
