CHOLAFIN
Cholamandalam Investment and Finance Company Limited (CHOLAFIN) Stock Analysis
Cholamandalam Investment and Finance Company Limited is a leading Indian NBFC in vehicle and SME finance. It lends for commercial vehicles, cars, equipment, and small businesses nationwide. Asset quality and interest rates are key to its large loan book. The company is listed on Indian stock exchanges and is part of the Murugappa group.
Financial Services › Credit Services
₹1,574.40
-0.83% 1W | -4.90% 52W
Market Cap
135.0k CR
P/E Ratio
23.3
52W High
₹1952.5
52W Low
₹1299.4
Div. Yield
0.13%
Beta
0.5
50 DMA
₹1769
200 DMA
₹1672
Profit Margin
40.5%
Inst. Own.
32.9%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
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 | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 |
| Interest | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | 4,007 |
| Expenses | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 | 2,652 |
| Financing Profit | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 | 2,197 |
| Financing Margin % | 22% | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% | 22% | 25% | 25% |
| Other Income | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 | 102 |
| Depreciation | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | 75 |
| Profit before tax | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 | 2,224 |
| Tax % | 25% | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% | 26% |
| Net Profit | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 |
| EPS in Rs | 8.64 | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 | 15.28 | 19.31 | 19.43 |
| 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 | 3,715 | 4,214 | 4,694 | 5,559 | 7,108 | 8,712 | 9,583 | 10,148 | 12,884 | 19,163 | 25,890 | 31,120 | 32,663 |
| Interest | 1,958 | 2,048 | 2,228 | 2,657 | 3,588 | 4,592 | 4,576 | 4,298 | 5,748 | 9,231 | 12,495 | 14,384 | 14,923 |
| Expenses | 1,061 | 1,266 | 1,322 | 1,451 | 1,632 | 2,421 | 2,858 | 2,926 | 3,621 | 5,385 | 7,670 | 9,890 | 10,264 |
| Financing Profit | 696 | 899 | 1,143 | 1,451 | 1,888 | 1,699 | 2,150 | 2,924 | 3,515 | 4,548 | 5,726 | 6,845 | 7,476 |
| Financing Margin % | 19% | 21% | 24% | 26% | 27% | 20% | 22% | 29% | 27% | 24% | 22% | 22% | 23% |
| Other Income | 0 | 2 | 3 | 0 | 1 | 0 | -0 | 84 | 220 | 255 | 261 | 412 | 484 |
| Depreciation | 30 | 22 | 39 | 51 | 57 | 111 | 102 | 101 | 121 | 198 | 245 | 284 | 292 |
| Profit before tax | 666 | 879 | 1,107 | 1,401 | 1,832 | 1,588 | 2,048 | 2,908 | 3,615 | 4,605 | 5,741 | 6,973 | 7,668 |
| Tax % | 33% | 35% | 35% | 34% | 35% | 34% | 26% | 26% | 26% | 26% | 26% | 25% | |
| Net Profit | 444 | 575 | 718 | 918 | 1,197 | 1,054 | 1,521 | 2,154 | 2,665 | 3,420 | 4,263 | 5,233 | 5,751 |
| EPS in Rs | 6.18 | 7.36 | 9.21 | 11.76 | 15.32 | 12.86 | 18.55 | 26.23 | 32.42 | 40.72 | 50.69 | 61.41 | 67.80 |
| Dividend Payout % | 11% | 12% | 12% | 11% | 8% | 13% | 11% | 8% | 6% | 5% | 4% | 3% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 34.0% | 27.0% | 22.0% |
| Profit CAGR | 25.0% | 28.0% | 25.0% |
Shareholding Pattern
Promoters49.90%
FIIs27.96%
DIIs16.05%
Public6.07%
Promoters49.88%
FIIs26.85%
DIIs17.27%
Public6.00%
Promoters49.72%
FIIs26.56%
DIIs17.54%
Public6.16%
Promoters49.25%
FIIs24.87%
DIIs19.91%
Public5.95%
Promoters49.23%
FIIs24.46%
DIIs20.62%
Public5.70%
Promoters51.47%
FIIs19.63%
DIIs21.45%
Public7.44%
Promoters50.35%
FIIs26.00%
DIIs17.05%
Public6.61%
Promoters49.92%
FIIs28.23%
DIIs15.49%
Public6.36%
Promoters49.25%
FIIs24.87%
DIIs19.91%
Public5.95%
Promoters49.23%
FIIs24.46%
DIIs20.62%
Public5.70%
CHOLAFIN
Holdings Analysis
Key strengths & risk signals
70
Overall
85
Fundamental
55
Technical
Risks (4)
VERY HIGH DEBT! D/E of 7.42 - significant risk.
WEAK POSITION! Current price (1574.4) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.8% (1 week), 10.8% (1 month), 12.8% (3 months).
WEAK YEAR! Stock declined 4.9% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 40.5% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1769.0) is above 200-day average (1672.0) - positive signal.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 37.3 - watch for reversal.
Fundamental & Technical Analysis
70Overall
85Fundamental
55Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 32.8% (EXCELLENT, 15/15). Profit CAGR: 25.2% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 40.5% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.92 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.13% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 7.42 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.25% 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
12/10
BULLISH TREND! 50-day average (1769.0) is above 200-day average (1672.0) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (1574.4) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
3/10
WEAK YEAR! Stock declined 4.9% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 1,423,421 vs down days: 1,649,354. Ratio: 0.86x
RSI
4/5
APPROACHING OVERSOLD! RSI at 37.3 - watch for reversal.
52W Range
3/5
MID RANGE! Trading at 42.1% of 52W range - neutral zone.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 0.8% (1 week), 10.8% (1 month), 12.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
CHOLAFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-04 | Concall PDF | |
| Q4FY262026-05-11 | Concall PDF | |
| Q3FY262026-02-09 | Concall PDF | |
| Q2FY262025-12-30 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CHOLAFIN | ₹1,574.40 | 23.3 | 40.5% | 32.8% | 25.2% | -4.9% | 70 | APPROACHING RESISTANCE | +45.6% | +0.7% | +27.4% | +2.9% |
| TATACAP | ₹322.80 | 25.3 | 39.7% | 34.5% | – | -2.8% | 61 | APPROACHING SUPPORT | – | +3.0% | +15.3% | +5.7% |
| PFC | ₹333.20 | 4.2 | 54.5% | 16.2% | 17.7% | -13.7% | 77 | BREAKOUT | +2.1% | +0.2% | -1.0% | -7.6% |
| IRFC | ₹80.20 | 14.2 | 97.3% | 4.6% | 4.4% | -36.1% | 60 | BREAKOUT | +10.4% | +14.4% | +19.4% | +12.4% |
| MUTHOOTFIN | ₹2,598.30 | 9.2 | 55.5% | 38.0% | 43.1% | -22.6% | 65 | CONSOLIDATING DOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| RECLTD | ₹307.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 68 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
Data from TradeAlone · Updated daily
