Chola Financial

Market Cap: Mid Cap
Industry: Non Banking Financial Company (NBFC)
ISIN: INE149A01033
NSEID: CHOLAHLDNG
BSEID: 504973

INR

1,916.20

31.55 (1.67%)

BSENSE

Dec 05

BSE+NSE Vol: 1.82 lacs

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Capri Global

M & M Fin. Serv.

SBFC Finance

IIFL Finance

Poonawalla Fin

Five-Star Bus.Fi

Manappuram Fin.

Sundaram Finance

Chola Financial

Authum Invest.

Tata Inv.Corpn.

Why is Cholamandalam Financial Holdings Ltd ?

High Debt company with Weak Long Term Fundamental Strength

High Debt Company with a Debt to Equity ratio (avg) at 9.49 times
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)

Flat results in Sep 25

NO KEY NEGATIVE TRIGGERS

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(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 re-enter? - We will constantly monitor the company and review our call based on new data

Is Chola Financial for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Chola Financial

26.32%

0.68

38.95%

Sensex

4.83%

0.41

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.94%

EBIT Growth (5y)

23.82%

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

40.37%

ROCE (avg)

10.22%

ROE (avg)

13.38%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.63

EV to EBIT

10.70

EV to EBITDA

10.53

EV to Capital Employed

1.12

EV to Sales

5.88

PEG Ratio

1.91

Dividend Yield

0.07%

ROCE (Latest)

10.45%

ROE (Latest)

16.30%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

NET SALES(9M)

At Rs 27,671.10 cr has Grown at 21.42%

CASH AND CASH EQUIVALENTS(HY)

Highest at Rs 10,506.07 cr

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 9,461.41 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Net Sales (Rs Cr)

Cash and Cash Equivalents - Half Yearly

Highest at Rs 10,506.07 cr

in the last six half yearly periods

MOJO 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 127.79 cr

in the last five quarters

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating Income