Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CHOLAFIN.NS
HoldHot AirCholamandalam Investment and Finance Company Limited · Financial Services · India · $16.4B · Avg Vol: $23M/d
42
StockRankGet insider-trade alerts
Q
46
V
17
M
72
P/E (TTM)
27.0x
ROE
17.2%
D/E
7.0x
Dividend %
0.1%
COMPANY DESCRIPTION
Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 71.5B | 99.4B | 134.1B | 167.5B | 32.8% | 142.5B | 205.7B | 251.8B | 22.6% |
| EPS (INR) | 32.44 | 41.17 | 50.72 | 61.98 | 24.1% | 67.96 | 80.45 | 98.42 | 26.0% |
| Shares | 822.0M | 840.0M | 840.9M | 852.0M | +3.6% | 854.1M | — | — | — |
| Debt | 975.2B | 1.3T | 1.8T | 2.1T | 29.5% | 2.1T | — | — | — |
| Equity | 143.5B | 195.9B | 236.7B | 304.6B | 28.5% | — | — | — | — |
| Op CF | -271.1B | -356.8B | -324.1B | -300.2B | — | -301.6B | — | — | — |
| Inv CF | -21.5B | -28.5B | -29.5B | -25.5B | — | — | — | — | — |
| Fin CF | 274.7B | 384.7B | 398.0B | 356.1B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+1.4%
SMA 50SMA 200
Close
$19.14
RSI (14)
40.0
52W High
$20.44
From 52W High
0.9%
SCORE BREAKDOWN
Quality
46
ROIC (ROA)
2.1%*57.9
ROE
17.2%80.0
GP/Assets
5.8%61.5
Op. Margin
56.6%76.0
FCF/Assets
-12.3%4.8
Piotroski
446.2
Int. Cover
—N/A
D/E Ratio
6.95x2.4
Current Ratio
—N/A
Value
17
P/E (TTM)
27.0x15.7
EV/EBITDA
—N/A
P/FCF
—N/A
P/B
5.1x9.2
P/S
11.0x14.4
Div Yield
0.1%0.8
Momentum
72
52W High %
94%63.7
RS 6M
17%82.3
SMA 50/200
1.09x69.8
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+45%71.3
Q Growth
46%71.2
FUNDAMENTALS
Market Cap
$16.4B
P/E (Forward)
18.6x
Gross Margin
99.9%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CHOLAFIN.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CHOLAFIN.NS | Cholamandalam Investment and Finance Company Limited(you) | $16.4B | 42 | Hold |
| TATACAP.NS | Tata Capital Limited | $16.4B | 35 | Hold |
| SHRIRAMFIN.NS | Shriram Finance Limited | $25.5B | 42 | Hold |
| PFC.NS | Power Finance Corporation Limited | $12.4B | 47 | Hold |
| MUTHOOTFIN.NS | Muthoot Finance Limited | $12.3B | 32 | Sell |
| RECLTD.NS | REC Limited | $8.8B | 47 | Hold |
| LTF.NS | L&T Finance Limited | $8.2B | 36 | Hold |
| M&MFIN.NS | Mahindra & Mahindra Financial Services Limited | $5.5B | 39 | Hold |
| PIRAMALFIN.NS | Piramal Finance Limited | $5.7B | 50 | Hold |
| HDBFS.NS | HDB Financial Services Limited | $6.0B | 31 | Sell |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%