Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CHOLAHLDNG.NS
SellSinkerCholamandalam Financial Holdings Limited · Financial Services · India · $3.0B · Avg Vol: $3M/d
35
StockRankGet insider-trade alerts
Q
47
V
34
M
45
P/E (TTM)
10.8x
ROE
15.8%
D/E
6.2x
Dividend %
0.1%
COMPANY DESCRIPTION
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 193.8B | 272.8B | 348.4B | 406.9B | 28.0% | 225.6B | 503.6B | 612.3B | 22.7% |
| EPS (INR) | 68.72 | 94.39 | 115.76 | 130.01 | 23.7% | 142.74 | 156.00 | 191.01 | 21.2% |
| Shares | 187.8M | 187.8M | 187.8M | 187.8M | 0.0% | 187.8M | — | — | — |
| Debt | 971.9B | 1.3T | 1.7T | 2.1T | 29.4% | 2.1T | — | — | — |
| Equity | 160.5B | 102.4B | 125.2B | 154.5B | -1.3% | — | — | — | — |
| Op CF | -293.3B | -357.3B | -342.0B | -300.3B | — | -301.7B | — | — | — |
| Inv CF | 3.0B | -26.2B | -10.4B | -25.3B | — | — | — | — | — |
| Fin CF | 272.9B | 382.7B | 396.5B | 356.5B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+0.9%
SMA 50SMA 200
Close
$16.02
RSI (14)
43.1
52W High
$21.59
From 52W High
0.7%
SCORE BREAKDOWN
Quality
47
ROIC
3.9%69.5
ROE
15.8%76.4
GP/Assets
6.3%63.3
Op. Margin
38.8%55.8
FCF/Assets
-11.3%5.3
Piotroski
427.5
Int. Cover
50.0x89.2
D/E Ratio
6.23x3.1
Current Ratio
0.85x24.0
Value
34
P/E (TTM)
10.8x64.5
EV/EBITDA
29.9x13.5
P/FCF
—N/A
P/B
1.9x28.7
P/S
1.3x85.8
Div Yield
0.1%0.5
Momentum
45
52W High %
74%20.2
RS 6M
2%57.8
SMA 50/200
0.96x18.8
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+34%65.0
Q Growth
39%68.1
FUNDAMENTALS
Market Cap
$3.0B
P/E (Forward)
8.0x
Gross Margin
75.7%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CHOLAHLDNG.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CHOLAHLDNG.NS | Cholamandalam Financial Holdings Limited(you) | $3.0B | 35 | Sell |
| MANAPPURAM.NS | Manappuram Finance Limited | $3.2B | 40 | Hold |
| HUDCO.NS | Housing and Urban Development Corporation Limited | $3.8B | 30 | Sell |
| IFCI.NS | IFCI Limited | $2.6B | 26 | Sell |
| POONAWALLA.NS | Poonawalla Fincorp Limited | $4.2B | 26 | Sell |
| IREDA.NS | Indian Renewable Energy Development Agency Limited | $3.3B | 21 | Sell |
| M&MFIN.NS | Mahindra & Mahindra Financial Services Limited | $5.5B | 39 | Hold |
| HDBFS.NS | HDB Financial Services Limited | $6.0B | 31 | Sell |
| CREDITACC.NS | CreditAccess Grameen Limited | $2.4B | 48 | Hold |
| IIFL.NS | IIFL Finance Limited | $2.8B | 52 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%