ScoreWhy is Cholamandalam Investment & Finance Company Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.68%
- Healthy long term growth as Operating profit has grown by an annual rate of 25.48%
2
Flat results in Sep 25
- DPR(Y) Lowest at 3.95%
3
With ROE of 17.9, it has a Very Expensive valuation with a 5.6 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.21%, its profits have risen by 20.6% ; the PEG ratio of the company is 1.6
4
High Institutional Holdings at 44.12%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 34.21% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Cholaman.Inv.&Fn 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 Cholaman.Inv.&Fn for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Cholaman.Inv.&Fn
34.21%
1.02
33.56%
Sensex
4.83%
0.41
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
31
Industry P/E
23
Price to Book Value
5.63
EV to EBIT
16.60
EV to EBITDA
16.38
EV to Capital Employed
1.59
EV to Sales
11.33
PEG Ratio
1.56
Dividend Yield
0.12%
ROCE (Latest)
9.59%
ROE (Latest)
17.91%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET SALES(Latest six months)
At Rs 14,758.18 cr has Grown at 22.30%
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 10,409.74 cr
-2What is not working for the Company
DPR(Y)
Lowest at 3.95%
Loading Valuation Snapshot...
Here's what is working for Cholaman.Inv.&Fn
Net Sales - Quarterly
Highest at Rs 7,491.38 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 10,409.74 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 Cholaman.Inv.&Fn
Dividend Payout Ratio (DPR) - Annually
Lowest at 3.95% and Fallen
each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income - Quarterly
Highest at Rs 122.04 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
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