Cholamandalam Financial Holdings Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- ✓Strong return on equity (ROE 17.5%)
- ✓Attractively valued vs sector (P/E 12.1x vs industry 35.4x)
Concerns
- ✗Heavy debt load (D/E 6.2x)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹754 | ₹12.6L Cr | 16 | 1.93 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,440 | ₹10.4L Cr | 18.5 | 2.73 | 17.3 | 7.59 | — |
| SBIN State Bank of India | ₹1,025 | ₹9.6L Cr | 11.6 | 1.59 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,056 | ₹6.6L Cr | 34.2 | 5.77 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹424 | ₹5.5L Cr | 9.54 | 3.03 | 37.8 | 35.1 | 0 |
| AXISBANK Axis Bank Limited | ₹1,234 | ₹4.1L Cr | 14.9 | 1.73 | 13.1 | 6.24 | — |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹382 | ₹3.9L Cr | 19.4 | 2.1 | 11.4 | 6.98 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
CHOLAHLDNG · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 47.37% | 47.37% | 47.32% | 47.32% | 46.45% | 46.45% |
| FII | 12.87% | 13.78% | 13.73% | 16.28% | 16.37% | 17.68% |
| DII | 25.96% | 25.24% | 25.51% | 23.01% | 22.94% | 21.80% |
| Public | 13.34% | 13.15% | 12.99% | 12.93% | 13.78% | 13.62% |
| Govt | 0.46% | 0.46% | 0.46% | 0.46% | 0.46% | 0.46% |
Corporate Events
To consider and approve the financial results for the period ended Jun 30, 2026
Dividend - Rs 1.30 Per Share
Annual General Meeting/Dividend - Re 0.55 Per Share
Annual General Meeting/Dividend - Rs 0.55 Per Share
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹1.6K Cr ▲17.3% | ₹1.4K Cr ▲14.2% | ₹1.2K Cr ▼3.7% | ₹1.3K Cr ▼7.5% | ₹1.4K Cr ▲24.6% | ₹1.1K Cr ▼2.8% | ₹1.1K Cr ▼3.0% | ₹1.2K Cr |
| EPS (₹) | 36.59 ▲9.8% | 33.32 ▲13.8% | 29.29 ▼4.9% | 30.81 ▼5.7% | 32.68 ▲26.2% | 25.89 ▼7.5% | 27.99 ▼4.1% | 29.2 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Expenses | ₹17.5K Cr ▲22.8% | ₹14.3K Cr ▲25.3% | ₹11.4K Cr ▲32.5% | ₹8.6K Cr ▲19.2% | ₹7.2K Cr ▲5.9% | ₹6.8K Cr ▲3.3% | ₹6.6K Cr ▲28.0% | ₹5.1K Cr ▲14.6% | ₹4.5K Cr ▲88.9% | ₹2.4K Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹510 Cr ▲94.7% | ₹262 Cr ▲2.3% | ₹256 Cr ▲15.8% | ₹221 Cr ▲140.2% | ₹92 Cr ▲53.3% | ₹60 Cr ▲5900.0% | ₹1 Cr ▼95.2% | ₹21 Cr | ₹0 Cr ▼100.0% | ₹1 Cr |
| Interest | ₹14.4K Cr ▲15.2% | ₹12.5K Cr ▲35.1% | ₹9.2K Cr ▲60.1% | ₹5.8K Cr ▲33.5% | ₹4.3K Cr ▼6.1% | ₹4.6K Cr ▲0.3% | ₹4.6K Cr ▲28.0% | ₹3.6K Cr ▲35.1% | ₹2.7K Cr | ₹0 Cr |
| Depreciation | ₹333 Cr ▲12.5% | ₹296 Cr ▲19.4% | ₹248 Cr ▲40.9% | ₹176 Cr ▲14.3% | ₹154 Cr ▲6.2% | ₹145 Cr ▼3.3% | ₹150 Cr ▲92.3% | ₹78 Cr ▲11.4% | ₹70 Cr ▲311.8% | ₹17 Cr |
| PBT | ₹7.3K Cr ▲14.6% | ₹6.4K Cr ▲23.1% | ₹5.2K Cr ▲36.0% | ₹3.8K Cr ▲25.6% | ₹3.0K Cr ▲26.8% | ₹2.4K Cr ▲32.9% | ₹1.8K Cr ▼15.4% | ₹2.1K Cr ▲26.0% | ₹1.7K Cr ▲474.6% | ₹295 Cr |
| Tax % | 25.0% ▼3.8% | 26.0% ▲0.0% | 26.0% ▲0.0% | 26.0% ▲0.0% | 26.0% ▼3.7% | 27.0% ▼25.0% | 36.0% ▲5.9% | 34.0% ▲0.0% | 34.0% ▲13.3% | 30.0% |
| Net Profit | ₹5.5K Cr ▲15.7% | ₹4.7K Cr ▲23.1% | ₹3.9K Cr ▲37.0% | ₹2.8K Cr ▲25.5% | ₹2.2K Cr ▲26.9% | ₹1.8K Cr ▲51.4% | ₹1.2K Cr ▼17.7% | ₹1.4K Cr ▲25.6% | ₹1.1K Cr ▲109.5% | ₹538 Cr |
| EPS (₹) | 130.01 ▲12.3% | 115.76 ▲22.6% | 94.39 ▲37.4% | 68.71 ▲26.1% | 54.49 ▲24.0% | 43.93 ▲49.7% | 29.34 ▼21.0% | 37.12 ▲26.6% | 29.32 ▲20.9% | 24.26 |
| Div Payout | 1.0% ▲0.0% | 1.0% ▲0.0% | 1.0% ▲0.0% | 1.0% ▲0.0% | 1.0% ▲0.0% | 1.0% ▼50.0% | 2.0% ▼33.3% | 3.0% ▼25.0% | 4.0% ▲300.0% | 1.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | ||||||||||
| Equity Capital | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr ▲0.0% | ₹19 Cr |
| Reserves | ₹15.4K Cr ▲23.5% | ₹12.5K Cr ▲22.2% | ₹10.2K Cr ▲33.8% | ₹7.6K Cr ▲18.9% | ₹6.4K Cr ▲19.8% | ₹5.4K Cr ▲17.4% | ₹4.6K Cr ▲16.5% | ₹3.9K Cr ▲19.3% | ₹3.3K Cr ▲19.9% | ₹2.7K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹42.5K Cr ▲12.6% | ₹37.7K Cr ▲15.5% | ₹32.7K Cr ▲24.8% | ₹26.2K Cr ▲18.5% | ₹22.1K Cr ▲13.7% | ₹19.4K Cr ▲20.3% | ₹16.1K Cr ▲19.2% | ₹13.5K Cr ▲13.9% | ₹11.9K Cr ▲132.0% | ₹5.1K Cr |
| Total Liabilities | ₹2.7L Cr ▲19.5% | ₹2.2L Cr ▲27.0% | ₹1.8L Cr ▲35.0% | ₹1.3L Cr ▲34.0% | ₹97.8K Cr ▲10.3% | ₹88.6K Cr ▲16.8% | ₹75.9K Cr ▲11.7% | ₹67.9K Cr ▲27.2% | ₹53.4K Cr ▲576.7% | ₹7.9K Cr |
| Assets | ||||||||||
| Fixed Assets | ₹2.3K Cr ▲12.3% | ₹2.0K Cr ▲13.7% | ₹1.8K Cr ▲186.4% | ₹623 Cr ▲34.3% | ₹464 Cr ▲3.8% | ₹447 Cr ▼6.7% | ₹479 Cr ▲56.5% | ₹306 Cr ▼1.6% | ₹311 Cr ▲204.9% | ₹102 Cr |
| CWIP | ₹28 Cr ▼48.1% | ₹54 Cr ▲54.3% | ₹35 Cr ▼41.7% | ₹60 Cr ▲50.0% | ₹40 Cr ▲300.0% | ₹10 Cr ▼9.1% | ₹11 Cr ▼21.4% | ₹14 Cr ▲250.0% | ₹4 Cr | ₹0 Cr |
| Investments | ₹25.0K Cr ▲2.9% | ₹24.3K Cr ▲21.0% | ₹20.1K Cr ▲14.4% | ₹17.5K Cr ▲32.0% | ₹13.3K Cr ▲13.7% | ₹11.7K Cr ▲31.3% | ₹8.9K Cr ▲17.8% | ₹7.6K Cr ▲21.6% | ₹6.2K Cr ▼5.0% | ₹6.5K Cr |
| Other Assets | ₹2.4L Cr ▲21.6% | ₹2.0L Cr ▲27.9% | ₹1.6L Cr ▲37.4% | ₹1.1L Cr ▲34.3% | ₹84.0K Cr ▲9.8% | ₹76.5K Cr ▲15.1% | ₹66.5K Cr ▲10.7% | ₹60.1K Cr ▲28.1% | ₹46.9K Cr ▲3638.5% | ₹1.3K Cr |
| Total Assets | ₹2.7L Cr ▲19.5% | ₹2.2L Cr ▲27.0% | ₹1.8L Cr ▲35.0% | ₹1.3L Cr ▲34.0% | ₹97.8K Cr ▲10.3% | ₹88.6K Cr ▲16.8% | ₹75.9K Cr ▲11.7% | ₹67.9K Cr ▲27.2% | ₹53.4K Cr ▲576.7% | ₹7.9K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-30.0K Cr ▲12.2% | ₹-34.2K Cr ▲4.3% | ₹-35.7K Cr ▼21.8% | ₹-29.3K Cr ▼411.1% | ₹-5.7K Cr ▲41.0% | ₹-9.7K Cr ▼407.8% | ₹-1.9K Cr ▲79.4% | ₹-9.3K Cr ▼47.2% | ₹-6.3K Cr ▼1160.9% | ₹594 Cr |
| Investing CF | ₹-2.5K Cr ▼143.5% | ₹-1.0K Cr ▲60.5% | ₹-2.6K Cr ▼989.8% | ₹295 Cr ▲318.5% | ₹-135 Cr ▼117.7% | ₹-62 Cr ▲35.4% | ₹-96 Cr ▼2.1% | ₹-94 Cr ▲94.8% | ₹-1.8K Cr ▼44.5% | ₹-1.3K Cr |
| Financing CF | ₹35.6K Cr ▼10.1% | ₹39.7K Cr ▲3.6% | ₹38.3K Cr ▲40.2% | ₹27.3K Cr ▲285.8% | ₹7.1K Cr ▼8.0% | ₹7.7K Cr ▲216.8% | ₹2.4K Cr ▼80.1% | ₹12.2K Cr ▲46.9% | ₹8.3K Cr ▲12110.1% | ₹-69 Cr |
| Net Cash Flow | ₹3.1K Cr ▼30.0% | ₹4.4K Cr ▲5481.7% | ₹-82 Cr ▲95.3% | ₹-1.7K Cr ▼245.6% | ₹1.2K Cr ▲157.3% | ₹-2.1K Cr ▼601.9% | ₹417 Cr ▼85.1% | ₹2.8K Cr ▲1651.9% | ₹160 Cr ▲121.7% | ₹-738 Cr |
| Free Cash Flow | ₹-30.4K Cr ▲12.1% | ₹-34.5K Cr ▲6.4% | ₹-36.9K Cr ▼24.7% | ₹-29.6K Cr ▼403.7% | ₹-5.9K Cr ▲39.9% | ₹-9.8K Cr ▼386.4% | ₹-2.0K Cr ▲78.5% | ₹-9.4K Cr ▼46.6% | ₹-6.4K Cr ▼1225.2% | ₹568 Cr |
Values in ₹ Cr · Source: Screener.in
About Cholamandalam Financial Holdings Limited
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]
Financial Services · Finance