CHOLAHLDNG
Cholamandalam Financial Holdings Limited (CHOLAHLDNG) Stock Analysis
Cholamandalam Financial Holdings Limited is the holding company for the Murugappa group's financial services businesses. It holds stakes in Chola Finance, insurance, and related ventures. Value is driven by underlying financial subsidiaries' earnings in India. The company is listed on Indian stock exchanges and operates from India.
Financial Services › Credit Services
₹1,360.00
-2.88% 1W | -26.80% 52W
Market Cap
25.5k CR
P/E Ratio
9.6
52W High
₹2064
52W Low
₹1305
Div. Yield
0.09%
Beta
0.4
50 DMA
₹1495.2
200 DMA
₹1576.3
Profit Margin
11.9%
Inst. Own.
33.8%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,626 | 6,317 | 6,795 | 7,066 | 7,633 | 8,090 | 8,489 | 8,913 | 9,296 | 9,461 | 9,949 | 10,366 | 11,114 |
| Interest | 2,013 | 2,209 | 2,445 | 2,582 | 2,796 | 3,058 | 3,280 | 3,361 | 3,468 | 3,518 | 3,648 | 3,755 | 4,007 |
| Expenses | 2,588 | 2,898 | 2,978 | 2,932 | 3,253 | 3,537 | 3,772 | 3,709 | 4,142 | 4,359 | 4,487 | 4,541 | 4,721 |
| Financing Profit | 1,025 | 1,210 | 1,371 | 1,552 | 1,584 | 1,496 | 1,438 | 1,843 | 1,687 | 1,585 | 1,814 | 2,070 | 2,385 |
| Financing Margin % | 18% | 19% | 20% | 22% | 21% | 18% | 17% | 21% | 18% | 17% | 18% | 20% | 21% |
| Other Income | 89 | 55 | 48 | 110 | 45 | 91 | 106 | 98 | 88 | 130 | 137 | 156 | 103 |
| Depreciation | 52 | 52 | 55 | 88 | 70 | 74 | 72 | 79 | 79 | 83 | 87 | 84 | 87 |
| Profit before tax | 1,062 | 1,213 | 1,363 | 1,574 | 1,559 | 1,513 | 1,471 | 1,862 | 1,696 | 1,632 | 1,863 | 2,142 | 2,400 |
| Tax % | 25% | 27% | 25% | 27% | 26% | 26% | 26% | 27% | 26% | 26% | 26% | 24% | 25% |
| Net Profit | 792 | 888 | 1,027 | 1,144 | 1,160 | 1,125 | 1,093 | 1,362 | 1,260 | 1,214 | 1,386 | 1,626 | 1,789 |
| EPS in Rs | 19.78 | 22.41 | 24.88 | 27.32 | 29.20 | 27.99 | 25.89 | 32.68 | 30.81 | 29.29 | 33.32 | 36.59 | 42.92 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9,696 | 8,004 | 2,688 | 8,909 | 10,926 | 13,135 | 13,900 | 14,644 | 18,154 | 25,830 | 33,196 | 39,156 | 40,890 |
| Interest | 2,103 | 976 | 0 | 2,655 | 3,587 | 4,592 | 4,608 | 4,328 | 5,778 | 9,249 | 12,494 | 14,388 | 14,928 |
| Expenses | 6,542 | 7,029 | 2,377 | 4,490 | 5,147 | 6,588 | 6,807 | 7,210 | 8,597 | 11,389 | 14,269 | 17,523 | 18,109 |
| Financing Profit | 1,051 | -1 | 311 | 1,764 | 2,192 | 1,954 | 2,485 | 3,106 | 3,780 | 5,191 | 6,433 | 7,244 | 7,854 |
| Financing Margin % | 11% | -0% | 12% | 20% | 20% | 15% | 18% | 21% | 21% | 20% | 19% | 18% | 19% |
| Other Income | 123 | 1,538 | 1 | 0 | 21 | 1 | 60 | 92 | 221 | 256 | 262 | 414 | 525 |
| Depreciation | 171 | 163 | 17 | 70 | 78 | 150 | 145 | 154 | 176 | 248 | 296 | 333 | 341 |
| Profit before tax | 1,003 | 1,374 | 295 | 1,695 | 2,135 | 1,806 | 2,400 | 3,044 | 3,824 | 5,200 | 6,400 | 7,326 | 8,037 |
| Tax % | 32% | 27% | 30% | 34% | 34% | 36% | 27% | 26% | 26% | 26% | 26% | 25% | |
| Net Profit | 684 | 1,181 | 538 | 1,127 | 1,415 | 1,165 | 1,764 | 2,239 | 2,810 | 3,851 | 4,740 | 5,485 | 6,015 |
| EPS in Rs | 22.68 | 55.47 | 24.26 | 29.32 | 37.12 | 29.34 | 43.93 | 54.49 | 68.71 | 94.39 | 115.76 | 130.01 | 142.12 |
| Dividend Payout % | 9% | 9% | 1% | 4% | 3% | 2% | 1% | 1% | 1% | 1% | 1% | 1% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 29.0% | 23.0% | 17.0% |
| Profit CAGR | 24.0% | 24.0% | 15.0% |
Shareholding Pattern
Promoters46.44%
FIIs18.32%
DIIs21.43%
Public13.34%
Promoters46.42%
FIIs17.39%
DIIs22.52%
Public13.21%
Promoters46.38%
FIIs16.47%
DIIs23.55%
Public13.14%
Promoters46.38%
FIIs13.81%
DIIs26.09%
Public13.26%
Promoters46.44%
FIIs13.00%
DIIs26.89%
Public13.21%
Promoters48.39%
FIIs11.99%
DIIs26.56%
Public12.59%
Promoters47.37%
FIIs13.78%
DIIs25.24%
Public13.15%
Promoters46.45%
FIIs17.68%
DIIs21.80%
Public13.62%
Promoters46.38%
FIIs13.81%
DIIs26.09%
Public13.26%
Promoters46.44%
FIIs13.00%
DIIs26.89%
Public13.21%
CHOLAHLDNG
Holdings Analysis
Key strengths & risk signals
63
Overall
88
Fundamental
39
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0.09% yield - little to no income.
POOR YEAR! Stock declined 26.8% in the last year.
WEAK POSITION! Current price (1360.0) is below both moving averages.
WEAK! Trading at 7.2% of 52W range - near yearly lows.
Strengths (3)
UNDERVALUED! PEG of 0.41 indicates stock is cheap relative to growth.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 35.4 - watch for reversal.
Fundamental & Technical Analysis
63Overall
88Fundamental
39Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 28.0% (EXCELLENT, 15/15). Profit CAGR: 23.7% (EXCELLENT, 15/15).
Profit Margin
5/10
DECENT EFFICIENCY! 11.9% profit margin - acceptable profitability.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.41 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.09% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 12.68% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (1495.2) is below 200-day average (1576.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (1360.0) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
1/10
POOR YEAR! Stock declined 26.8% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 120,451 vs down days: 181,675. Ratio: 0.66x
RSI
4/5
APPROACHING OVERSOLD! RSI at 35.4 - watch for reversal.
52W Range
1/5
WEAK! Trading at 7.2% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.9% (1 week), 10.1% (1 month), 13.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
CHOLAHLDNG
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-15 | Concall PDF | |
| Q3FY262026-02-13 | Concall PDF | |
| Q2FY262025-11-11 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CHOLAHLDNG | ₹1,360.00 | 9.6 | 11.9% | 28.0% | 23.7% | -26.8% | 63 | APPROACHING SUPPORT | +39.3% | +17.3% | +19.8% | +5.0% |
| IIFL | ₹615.40 | 12.5 | 26.1% | 13.6% | 3.4% | +20.0% | 56 | HIT RESISTANCE | +189.2% | +15.0% | +30.1% | +4.7% |
| CGCL | ₹247.60 | 21.2 | 35.0% | 49.7% | 66.8% | +28.7% | 90 | BREAKDOWN | +102.1% | +25.0% | +56.8% | +11.7% |
| MANAPPURAM | ₹323.90 | 19.9 | 30.5% | 7.3% | -12.5% | +14.2% | 59 | BOUNCE FROM SUPPORT | +322.4% | +44.7% | +26.1% | +16.9% |
| IREDA | ₹108.80 | 15.5 | 69.3% | 34.5% | 29.4% | -29.3% | 68 | APPROACHING RESISTANCE | +37.1% | -31.3% | +16.2% | +4.0% |
| HUDCO | ₹161.10 | 7.6 | 90.7% | 10.0% | 33.3% | -28.3% | 73 | BREAKOUT | +35.1% | -57.0% | +37.4% | +58.0% |
| POONAWALLA | ₹448.90 | 35.1 | 26.7% | 24.0% | 24.0% | -16.9% | 76 | BOUNCE FROM SUPPORT | – | +21.9% | +82.4% | +12.1% |
| HDBFS | ₹512.60 | 14.4 | 30.7% | 14.0% | 9.1% | -26.2% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
Data from TradeAlone · Updated daily
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