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Home CompaniesCholamandalam Financial Holdings Limited

Cholamandalam Financial Holdings Limited

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
1416.6 INR 41.80 ( 3.04%)
Last update at 2026-11-05T09:46:00Z
VOLUME
503428
Market Cap
365790.49M
P/E
16.40

Momentum Score

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Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

Source: TradingView
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Day Price Range
1403.10
Low
1469.00
High
52 Week Price Range
1356.41
Low
2230.05
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
1374.80
Dividend Yield
-
Revenue TTM
197424.69M
Revenue Per Share
1051.35
Gross Profit TTM
146885.20M
Debt / Equity
13.93
ROE
18.28%
Net Debt
1646865.90M
ROCE
4.01%
Diluted EPS TTM
118.75

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 63995.60M 51998.30M 38157.10M 30435.60M 24002.80M
Minority interest -25662.20M -20780.40M -15193.90M -12162.90M 59728.00M
Net income 21736.60M 17725.20M 12902.30M 10230.70M 8246.40M
Selling general administrative 3235.40M 2957.40M 2494.90M 1987.60M 1213.90M
Selling and marketing expenses 881.70M 841.20M 9323.00M 9822.10M 5668.90M
Gross profit 108433.10M 81539.90M 75303.40M 73322.90M 65494.40M
Reconciled depreciation 2957.30M 2475.40M 1760.60M 1541.60M 1454.70M
Ebit 64444.40M 52266.70M 35942.40M 42248.50M 41799.40M
Ebitda 67401.70M 54742.10M 37703.00M 43790.10M 43254.10M
Depreciation and amortization 2957.30M 2475.40M 1760.60M 1541.60M 1454.70M
Operating income 58509.30M 47748.40M 38058.00M 29991.50M 25125.30M
Other operating expenses 289860.50M 225007.50M 158436.90M 115953.50M 105905.10M
Interest expense 448.80M 268.40M 16536.30M 12180.10M 11807.10M
Tax provision 16655.80M 13613.50M 10060.90M 8013.30M 6363.80M
Interest income 123555.30M 2786.00M 57780.40M 43278.70M 46078.20M
Net interest income 2968.70M -21073.20M -15386.80M -10436.90M -2081.80M
Income tax expense 16655.80M 13613.50M 10060.90M 8013.30M 6363.80M
Total revenue 348369.80M 272755.90M 194379.30M 156378.00M 144557.30M
Total operating expenses 49923.80M 33791.50M 39361.00M 32898.40M 26842.20M
Cost of revenue 239936.70M 191216.00M 119075.90M 83055.10M 79062.90M
Total other income expense net 5486.30M 4249.90M 99.10M 415.40M -1119.30M
Net income from continuing ops 47398.80M 38505.60M 28096.20M 22393.60M 17642.20M
Net income applicable to common shares 21736.60M 17725.20M 12902.30M 10230.70M 8246.40M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 2246159.50M 1769176.70M 1310329.60M 977722.70M 886155.60M
Intangible assets 1069.60M 551.00M 696.00M 504.00M 489.20M
Other current assets 454510.90M 381984.40M 5609.50M 890.80M 5963.30M
Total liab 1976668.60M 1547936.50M 1147749.40M 841435.00M 772568.20M
Total stockholder equity 125152.80M 102417.30M 76605.80M 64456.90M 53859.40M
Other current liab 51230.00M 43261.50M 88058.20M 465.10M 40407.30M
Common stock 187.80M 187.80M 187.80M 187.70M 187.70M
Capital stock 187.80M 187.80M 187.80M 187.70M 187.70M
Retained earnings 48319.90M 72265.40M 53944.50M 64269.20M 53671.70M
Other liab - - - 121444.10M 96208.40M
Good will 427.20M 427.20M 427.20M 427.20M 427.20M
Other assets 38848.20M -429421.10M 225.70M 18220.20M 17876.20M
Cash 53859.10M 9732.20M 10554.40M 28014.20M 17083.30M
Cash and equivalents 47972.00M 6488.30M 7752.90M 26071.90M 1122.00M
Total current liabilities 637349.90M 530328.60M 1086650.10M 282207.70M 295384.00M
Current deferred revenue - -1340140.00M 17104.20M 22657.60M 6972.30M
Net debt 1646865.90M 1330407.80M 961355.90M 664271.60M 622602.70M
Short term debt 571995.90M 474948.30M 971910.30M 251572.40M 241113.20M
Short long term debt 571995.90M 474948.30M 971910.30M 251572.40M 240355.70M
Short long term debt total 1743664.40M 1340140.00M 971910.30M 692285.80M 639686.00M
Other stockholder equity 27427.30M 43524.10M 76418.00M 64269.20M 53671.70M
Property plant equipment 19045.30M 16696.30M 5423.70M 3828.50M 3360.70M
Total current assets 591992.60M 439852.50M 1276515.20M 264647.50M 291360.20M
Net tangible assets - - - 63525.70M 52943.00M
Short term investments 5616.50M 40256.00M 202213.80M 20559.70M 68053.50M
Net receivables 9749.40M 7879.90M 991.30M 764719.70M 680470.80M
Long term debt 1743664.40M 1340140.00M 628658.80M 692285.80M 637971.50M
Accounts payable 14124.00M 12118.80M 9577.40M 7512.60M 6891.20M
Accumulated other comprehensive income 49217.80M 102229.50M - - -
Non currrent assets other 1633624.80M 1562442.10M 209929.00M 579237.80M 547862.30M
Non current assets total 1654166.90M 1758745.30M 33588.70M 713075.20M 594795.40M
Capital lease obligations - - - - 1714.50M
Long term debt total 1171668.50M 865191.70M 236456.70M 692285.80M 364551.00M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -10377.20M -26249.90M -2570.30M -1354.80M -620.70M
Change to liabilities - - - 2804.00M 3712.90M
Total cashflows from investing activities -10377.20M -26249.90M -2570.30M -1354.80M -620.70M
Net borrowings 398534.20M 364334.00M - 52130.20M 87269.00M
Total cash from financing activities 396517.10M 382691.90M 278397.80M 70729.00M 77938.70M
Change to operating activities - - - -92416.90M -126404.20M
Net income 21736.60M 17725.20M 38244.00M 30435.60M 24002.80M
Change in cash 44126.90M -822.20M -17459.80M 11989.40M -19873.60M
Begin period cash flow 9732.20M 10554.40M 28014.20M 16024.80M 36956.90M
End period cash flow 53859.10M 9732.20M 10554.40M 28014.20M 17083.30M
Total cash from operating activities -342013.00M -357264.20M -293287.30M -57384.80M -97191.60M
Issuance of capital stock 475.20M 20091.50M 257.20M 237.50M 95.80M
Depreciation 2957.30M 2475.40M 1760.60M 1541.60M 1454.70M
Other cashflows from investing activities -6962.40M 78.00M 37.30M 25.40M 20.70M
Dividends paid 1039.70M 1031.30M -1003.20M -1001.30M -584.10M
Change to account receivables 919.50M -1523.30M - - -
Sale purchase of stock 475.20M 20091.50M 1078142.40M 351696.70M 673120.20M
Other cashflows from financing activities 475.20M -702.30M 5522.10M 19362.60M -8842.00M
Change to netincome - - - 20455.80M 19511.50M
Capital expenditures 3414.80M 11687.10M 2607.60M 1380.20M 641.40M
Change in working capital 38087.80M -413511.90M -291317.40M -89612.90M -98869.40M
Stock based compensation 744.50M 554.00M 284.60M 204.80M 56.40M
Other non cash items -405539.20M 35493.10M 54948.90M 33948.70M 50281.30M
Free cash flow -345427.80M -368951.30M -295894.90M -58765.00M -97833.00M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(INR)
Price
(INR)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
CHOLAHLDNG
Cholamandalam Financial Holdings Limited		 41.80
3.04%		 1416.60 16.40 - 1.77 2.59 5.52 27.41
BAJFINANCE
Bajaj Finance Limited		 75.90
7.64%		 1069.90 33.00 39.37 14.86 5.83 20.06 20.10
SHRIRAMFIN
Shriram Finance Limited		 55.15
6.07%		 963.90 18.81 7.62 9.77 3.09 15.18 -
IRFC
Indian Railway Finance Corporation Limited		 2.11
2.71%		 79.95 23.86 - 23.26 2.96 20.79 37.36
MUTHOOTFIN
Muthoot Finance Limited		 129.80
4.79%		 2839.60 21.11 14.01 10.41 4.84 17.95 -

Profile*

Cholamandalam Financial Holdings Limited

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

Dare House, Chennai, India, 600001

91 44 4217 7770

https://cholafhl.com

48434

Name Title Year Born
Mr. N. Ganesh Mang. & CFO 1973
Ms. E. Krithika Company Sec. & Compliance Officer 1980
Mr. N. Ganesh Manager & CFO 1972
Ms. Elanjezhia Krithika Company Secretary & Compliance Officer 1980

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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