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Cholamandalam Financial Holdings Ltd

₹ 1,775-2.02%
16 Jan 4:01 p.m. – close price
🔗cholafhl.com•BSE: 504973•NSE: CHOLAHLDNG
Market Cap₹ 33,350 Cr.
Current Price₹ 1,775
High / Low₹ 2,299
Stock P/E485
Book Value₹ 72.2
Dividend Yield0.07 %
ROCE6.26 %
ROE4.88 %
Face Value₹ 1.00
Sales₹ 88.2 Cr.
OPM95.8 %
Mar Cap₹ 33,350 Cr.

ABOUT

Cholamandalam Financial Holdings Limited (CFHL) is a part of the Murugappa Group. The Co. is a Core Investment Company registered with the RBI, offering a diverse range of financial products and risk management services to individual and corporate customers through its group companies.[1]

KEY POINTS

ServicesNBFC: The Co. provides financial services through its subsidiary Cholamandalam Investment and Finance Company Limited (CIFCL) by offering vehicle finance, home loans, loan against property, etc to a wide range of customers, wherein it holds 45.41% as of June 2022.General Insurance: The Co. offers a wide range of insurance including motor, travel, health, accident, home, and other types of insurance for corporate customers through its subsidiary Cholamandalam MS General Insurance Company Limited (CMSGICL), wherein it holds 60% as on June 2022.Risk Management & Engineering Solutions: The Co. provides risk management and engineering solutions in the field of Safety, Health, and Environment through its Joint Venture with Mitsui Sumitomo Insurance Group, Japan through Cholamandalam MS Risk Services Ltd (CMSRSL), wherein it holds 49.5% as on June 2022.[1]

Also present in buckets:
Excellent ResultsRevenue GuidanceAsset Base ExpansionLarge Order ReceiptsJv Partnerships AcquisitionsRevenue Guidance Vs ActualsRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.Jio Financial278.90111.98177219.990.18268.98-8.75900.90105.521.472987.9968.211582.65268.981.311.160.08
2.Aditya Birla Cap361.7029.0194645.050.00882.47-14.0910594.962.649.3341693.0436.343262.92855.242.941.324.86
3.Chola Financial1775.00485.0233349.820.0727.1615.4830.073.236.2688.2195.7668.7627.1624.584.870.00
4.Tata Inv.Corpn.658.7094.7433329.630.41148.1619.78153.988.071.21319.5887.61351.79148.161.050.920.00
5.TVS Holdings14030.1019.7028370.800.66880.0859.1514549.1525.9215.2150450.8215.801440.16442.875.144.786.25
6.JSW Holdings17885.95167.7919757.720.0059.61-49.6083.57-48.470.85172.3291.61117.7559.610.610.560.00
7.Mah. Scooters13834.0051.3315941.551.164.1224.856.4411.230.59313.3898.38310.574.120.480.550.00
–Median: 40 Co.457.6542.05901.710.06.88-8.5214.432.731.9853.6251.9329.416.880.741.050.0

Quarterly Results

Standalone figures in ₹ crores

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Sales
29251329352329352430
Expenses
1011111111111
Operating Profit
28250228250228250329
Other Income
-0-0-0-0-0-0-0-0-0-0-0-0-0
Profit before tax
26048128149228250329
Tax %
15%25%25%25%16%25%25%25%17%17%25%25%7%
Net Profit
22036123137124238227
EPS in Rs
1.180.001.910.041.230.051.960.071.250.102.000.111.45

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
3,5393,8364,76940657491588484868688
Expenses
3,2003,5473,6004332333344
Operating Profit
3392891,16936617188558181838384
Other Income
1210330000000000
Interest
125140137000122107400
Depreciation
84971110000000000
Profit before tax
14115592436617187347174798384
Net Profit
9412173036596783225658626469
EPS in Rs
5.036.4638.971.943.173.544.441.162.963.083.293.433.66
Dividend Payout %
40%31%13%65%39%35%15%48%19%18%17%38%–

Compounded Sales Growth

10 Years:-32%
5 Years:-1%
3 Years:1%
TTM:2%

Compounded Profit Growth

10 Years:-4%
5 Years:-5%
3 Years:5%
TTM:10%

Stock Price CAGR

10 Years:20%
5 Years:26%
3 Years:44%
1 Year:23%

Return on Equity

10 Years:5%
5 Years:4%
3 Years:5%
Last Year:5%

Balance Sheet

Standalone figures in ₹ crores

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
37373719191919191919191919
Reserves
1,2011,2831,9029501,0011,0461,1001,1221,1681,2181,2691,3331,338
Borrowings
1,3631,4211,37400020115010050000
Other Liabilities
77382286523331232243
Total Liabilities
3,3753,5634,1789711,0231,0681,3221,3031,2901,2881,2891,3551,359
Fixed Assets
6949048320000000000
Gross Block
1,433.191,732.201,795.360.000.000.000.040.040.060.060.120.14–
Accumulated Depreciation
738.91827.95963.760.000.000.000.010.020.040.050.060.09–
CWIP
19736560000000000
Investments
1,5061,5231,4619149409561,2781,2791,2801,2801,2791,2911,291
Other Assets
9781,1001,82957831124424108106568
Total Assets
3,3753,5634,1789711,0231,0681,3221,3031,2901,2881,2891,3551,359

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
279167135-1966-34-161525853673
Cash from Investing Activity
-186-54794-60800-00-00-0-0
Cash from Financing Activity
-96-117-220-106-11-21170-50-60-59-61-10
Net Cash Flow
-3-4709-73355-5592-2-66-8

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
464538000000000
Inventory Days
627069–––––––––
Days Payable
989492–––––––––
Cash Conversion Cycle
102214000000000
Working Capital Days
-58-37-60478-17-16-12-75-13-5-3-9
ROCE %
10%10%8%2%6%7%7%4%6%6%6%6%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters
48.61%48.39%48.39%47.37%47.37%47.37%47.32%47.32%46.45%46.45%46.44%46.42%
FIIs
11.60%11.99%11.31%12.92%12.87%13.78%13.73%16.28%16.37%17.68%18.32%17.39%
DIIs
26.57%26.56%27.15%26.71%25.96%25.24%25.51%23.01%22.94%21.80%21.43%22.52%
Public
12.78%12.59%12.68%12.53%13.34%13.15%12.99%12.93%13.78%13.62%13.34%13.21%

* The classifications might have changed from Sep'2022 onwards.ℹ️

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Cholamandalam Financial Holdings Announces Trading Window Closure

31st March 2026, 10:45 pm

Cholamandalam Financial Holdings' Non-Convertible Debentures Affirmed 'IND AA+/Stable' Rating

12th March 2026, 11:29 pm

Cholamandalam Financial Holdings: Q3 FY26 Call Highlights Pressure on Profitability, Focus on ROE Recovery and Operational Efficiencies

14th February 2026, 2:20 am

Cholamandalam Financial Holdings Files for Promoter Re-classification 'No-Objection' with NSE & BSE

11th February 2026, 11:56 pm

Cholamandalam Financial Holdings: Earnings Call Recording for Q3 FY26 Now Available Online

9th February 2026, 10:54 pm

Published by Other Websites

External media mentions & references

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19th February 2026, 1:21 pm

Nippon India Fund's 30-Year SIP Skyrockets to ₹26 Crore

15th February 2026, 3:08 pm

Q3 Earnings Blitz: BSE, Zydus, Aurobindo, Bata Among Firms Reporting Today

9th February 2026, 9:46 am

Cholamandalam Financial Skyrockets? Motilal Oswal Sees 19% Jump Amidst Allegations - Is This Your Next Big Buy?

24th December 2025, 12:30 pm

Indian Markets End Flat After Volatile Session: Experts Weigh In on Support, Rupee Woes & US Data!

15th December 2025, 4:53 pm

News Articles

Editorial & research coverage

Indian Markets End Flat After Volatile Session: Experts Weigh In on Support, Rupee Woes & US Data!
Indian Markets End Flat After Volatile Session: Experts Weigh In on Support, Rupee Woes & US Data!

15th December 2025, 4:53 pm

₹2,000 SIP Skyrockets to ₹5 Crore! Discover the Fund That Made it Possible
₹2,000 SIP Skyrockets to ₹5 Crore! Discover the Fund That Made it Possible

5th December 2025, 11:57 pm

Midcap Mania! Top Funds Explode With HUGE Returns – Are You Missing Out?
Midcap Mania! Top Funds Explode With HUGE Returns – Are You Missing Out?

15th November 2025, 11:15 am

Cholamandalam Holdings Profit Surges 27% Driven by Financing Growth
Cholamandalam Holdings Profit Surges 27% Driven by Financing Growth
Cholamandalam Holdings Posts 27% PAT Surge; Insurance Arm Shows Mixed Performance
Cholamandalam Holdings Posts 27% PAT Surge; Insurance Arm Shows Mixed Performance

Documents

Announcements

Board Meeting Intimation for Un-Audited Financial Results

1d - Board meeting Feb 9, 2026 to approve unaudited results for quarter ended Dec 31, 2025; trading window Jan 1–Feb 11.

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

9 Jan - Cholamandalam Financial Holdings Limited has informed regarding certificate under Regulation 74(5) of SEBI(Depository Participants) Regulations, 2018 for the quarter ended 31st December, 2025.

Closure of Trading Window
Announcement Under Regulation 30 Read With Regulation 31(A)(8) Of SEBI Listing Regulations, 2015

18 Dec - Algavista Greentech requests promoter-to-public reclassification (holds nil shares); board and exchanges' approvals required, dated Dec 18, 2025.

Intimation Of Grant Of No Objection For Promoter Reclassification

25 Nov 2025 - NSE and BSE granted no-objection for Yanmar Coromandel promoter declassification on November 25, 2025.

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Financial Year 2023

(from bse)

Financial Year 2022

(from bse)

Financial Year 2021

(from bse)

Financial Year 2020

(from bse)

Financial Year 2019

(from bse)

Financial Year 2018

(from bse)

Financial Year 2017

(from bse)

Financial Year 2016

(from bse)

Financial Year 2015

(from bse)

Financial Year 2014

(from bse)

Financial Year 2013

(from bse)

Financial Year 2012

(from bse)

Financial Year 2011

(from nse)

Credit Ratings

Rating update

13 Mar 2025 from fitch

Rating update

18 Mar 2024 from fitch

Rating update

20 Mar 2023 from fitch

Rating update

22 Mar 2022 from fitch

Rating update

23 Mar 2021 from fitch

Concalls

Nov 2025

TranscriptPPTRecording

Aug 2025

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May 2025

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Feb 2025

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Nov 2024

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Nov 2022

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May 2022

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Nov 2021

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May 2021

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Jun 2020

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Jun 2017

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Nov 2016

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Aug 2016

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Apr 2016

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Mar 2016

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Jan 2016

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Stock Analysis

Description

Cholamandalam Financial Holdings Limited (CFHL) is part of the Murugappa Group and operates as a Core Investment Company, offering a diverse range of financial products and risk management services to individual and corporate customers through its group companies.

Key Growth Triggers

Currently no data available for Key Growth Triggers.

Order Book

Currently no data available for Order Book.

Key Red Flags

Currently no data available for Key Red Flags.

Key Dates To Watch

  1. February 9, 2026: Board meeting to consider and approve un-audited financial results for the quarter ended December 31, 2025.

Corporate Announcements

31st Mar 26
Impact Rating: 4
Cholamandalam Financial Holdings has announced a trading window closure for its insiders and designated persons, effective April 1, 2026, until May 10, 2026, to comply with SEBI norms before releasing year-end financial results.
12th Mar 26
Impact Rating: 8
Cholamandalam Financial Holdings Limited has had its Non-Convertible Debentures, amounting to INR 2,000 million, affirmed with an 'IND AA+/Stable' rating by India Ratings & Research.
13th Feb 26
Impact Rating: 8
Chola MS reported a lower-than-expected ROE for 9M FY26, impacted by increased claims, motor OD pressure, and significant crop insurance business loss.
11th Feb 26
Impact Rating: 4
Cholamandalam Financial Holdings is seeking 'no-objection' from NSE and BSE regarding the re-classification of Algavista Greentech Private Limited, effective February 9, 2026, to public shareholder status.
9th Feb 26
Impact Rating: 1
Cholamandalam Financial Holdings has made the audio recording of its earnings call for the quarter ended December 31, 2025, accessible on its investor relations portal, ensuring timely compliance with disclosure norms.