Cholamandalam Investment and Finance Company Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- ✓Strong return on equity (ROE 19.3%)
- ✓Attractively valued vs sector (P/E 24.2x vs industry 35.7x)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹748 | ₹11.5L Cr | 15.2 | 1.98 | 13.8 | 7.04 | — |
| SBIN State Bank of India | ₹977 | ₹8.8L Cr | 10.6 | 1.51 | 15.4 | 6.13 | — |
| ICICIBANK ICICI Bank Limited | ₹1,261 | ₹8.8L Cr | 16.2 | 2.51 | 16.1 | 7.2 | — |
| BAJFINANCE Bajaj Finance Limited | ₹890 | ₹5.5L Cr | 28.6 | 4.86 | 18.2 | 10.8 | — |
| LICI Life Insurance Corporation Of India | ₹400 | ₹5.1L Cr | 8.83 | 2.86 | 37.8 | 35.1 | 0 |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹3.9L Cr | 14.8 | 1.85 | 13.2 | 6.24 | — |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹377 | ₹3.8L Cr | 19.8 | 2.07 | 11.2 | 6.93 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
CHOLAFIN · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 50.37% | 50.35% | 50.33% | 50.24% | 49.93% | 49.92% |
| FII | 24.73% | 26.00% | 26.63% | 27.17% | 27.43% | 28.23% |
| DII | 18.39% | 17.05% | 16.86% | 16.58% | 16.10% | 15.49% |
| Public | 6.51% | 6.61% | 6.19% | 6.02% | 6.56% | 6.36% |
Corporate Events
Dividend - Re 0.70 Per Share
To consider and approve the financial results for the period ended March 31, 2026
To consider dividend
Interim Dividend - Rs 1.30 Per Share
Dividend - Re 0.70 Per Share
Interim Dividend - Rs 1.30 Per Share
Dividend - Re 0.70 Per Share
Interim Dividend - Rs 1.30 Per Share
Annual General Meeting/Dividend - Re 0.70 Per Share
Financials
Quarterly Results
| Metric | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹1.3K Cr ▲11.2% | ₹1.2K Cr ▲1.9% | ₹1.1K Cr ▼9.7% | ₹1.3K Cr ▲15.8% | ₹1.1K Cr ▲12.4% | ₹968 Cr ▲2.2% | ₹947 Cr ▼11.1% | ₹1.1K Cr |
| EPS (₹) | 15.28 ▲10.9% | 13.78 ▲1.8% | 13.53 ▼9.7% | 14.98 ▲15.8% | 12.94 ▲12.3% | 11.52 ▲2.2% | 11.27 ▼11.1% | 12.68 |
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 | ₹9.9K Cr ▲29.0% | ₹7.7K Cr ▲42.4% | ₹5.4K Cr ▲48.7% | ₹3.6K Cr ▲23.8% | ₹2.9K Cr ▲0.4% | ₹2.9K Cr ▲20.3% | ₹2.4K Cr ▲48.3% | ₹1.6K Cr ▲12.5% | ₹1.5K Cr ▲9.8% | ₹1.3K Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹469 Cr ▲79.7% | ₹261 Cr ▲2.4% | ₹255 Cr ▲15.9% | ₹220 Cr ▲161.9% | ₹84 Cr ▲50.0% | ₹56 Cr | ₹0 Cr ▼100.0% | ₹1 Cr | ₹0 Cr ▼100.0% | ₹3 Cr |
| Interest | ₹14.4K Cr ▲15.1% | ₹12.5K Cr ▲35.4% | ₹9.2K Cr ▲60.6% | ₹5.7K Cr ▲33.7% | ₹4.3K Cr ▼6.1% | ₹4.6K Cr ▼0.3% | ₹4.6K Cr ▲28.0% | ₹3.6K Cr ▲35.0% | ₹2.7K Cr ▲19.3% | ₹2.2K Cr |
| Depreciation | ₹284 Cr ▲15.9% | ₹245 Cr ▲23.7% | ₹198 Cr ▲63.6% | ₹121 Cr ▲19.8% | ₹101 Cr ▼1.0% | ₹102 Cr ▼8.1% | ₹111 Cr ▲94.7% | ₹57 Cr ▲11.8% | ₹51 Cr ▲30.8% | ₹39 Cr |
| PBT | ₹7.0K Cr ▲21.5% | ₹5.7K Cr ▲24.7% | ₹4.6K Cr ▲27.4% | ₹3.6K Cr ▲24.3% | ₹2.9K Cr ▲42.0% | ₹2.0K Cr ▲29.0% | ₹1.6K Cr ▼13.3% | ₹1.8K Cr ▲30.8% | ₹1.4K Cr ▲26.6% | ₹1.1K Cr |
| Tax % | 25.0% ▼3.8% | 26.0% ▲0.0% | 26.0% ▲0.0% | 26.0% ▲0.0% | 26.0% ▲0.0% | 26.0% ▼23.5% | 34.0% ▼2.9% | 35.0% ▲2.9% | 34.0% ▼2.9% | 35.0% |
| Net Profit | ₹5.2K Cr ▲22.8% | ₹4.3K Cr ▲24.6% | ₹3.4K Cr ▲28.3% | ₹2.7K Cr ▲23.7% | ₹2.2K Cr ▲41.6% | ₹1.5K Cr ▲44.3% | ₹1.1K Cr ▼11.9% | ₹1.2K Cr ▲30.4% | ₹918 Cr ▲27.9% | ₹718 Cr |
| EPS (₹) | 61.41 ▲21.1% | 50.69 ▲24.5% | 40.72 ▲25.6% | 32.42 ▲23.6% | 26.23 ▲41.4% | 18.55 ▲44.2% | 12.86 ▼16.1% | 15.32 ▲30.3% | 11.76 ▲27.7% | 9.21 |
| Div Payout | 3.0% ▼25.0% | 4.0% ▼20.0% | 5.0% ▼16.7% | 6.0% ▼25.0% | 8.0% ▼27.3% | 11.0% ▼15.4% | 13.0% ▲62.5% | 8.0% ▼27.3% | 11.0% ▼8.3% | 12.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Sep 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities | ||||||||||
| Equity Capital | ₹168 Cr ▲0.0% | ₹168 Cr ▲0.0% | ₹168 Cr ▲2.4% | ₹164 Cr ▲0.0% | ₹164 Cr ▲0.0% | ₹164 Cr ▲0.0% | ₹164 Cr ▲5.1% | ₹156 Cr ▲0.0% | ₹156 Cr ▲0.0% | ₹156 Cr |
| Reserves | ₹25.8K Cr ▲9.7% | ₹23.5K Cr ▲21.0% | ₹19.4K Cr ▲37.0% | ₹14.2K Cr ▲22.2% | ₹11.6K Cr ▲23.0% | ₹9.4K Cr ▲17.4% | ₹8.0K Cr ▲32.8% | ₹6.1K Cr ▲21.8% | ₹5.0K Cr ▲20.0% | ₹4.1K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹3.1K Cr ▼1.3% | ₹3.2K Cr ▲21.5% | ₹2.6K Cr ▲36.1% | ₹1.9K Cr ▲25.2% | ₹1.5K Cr ▲16.9% | ₹1.3K Cr ▲54.0% | ₹853 Cr ▲19.3% | ₹715 Cr ▲0.6% | ₹711 Cr ▼68.1% | ₹2.2K Cr |
| Total Liabilities | ₹2.2L Cr ▲7.4% | ₹2.0L Cr ▲28.8% | ₹1.6L Cr ▲37.9% | ₹1.1L Cr ▲37.8% | ₹82.5K Cr ▲10.5% | ₹74.6K Cr ▲16.5% | ₹64.1K Cr ▲11.4% | ₹57.5K Cr ▲30.2% | ₹44.2K Cr ▲44.3% | ₹30.6K Cr |
| Assets | ||||||||||
| Fixed Assets | ₹1.9K Cr ▲8.0% | ₹1.8K Cr ▲13.9% | ₹1.6K Cr ▲287.8% | ₹403 Cr ▲55.6% | ₹259 Cr ▲13.6% | ₹228 Cr ▼19.4% | ₹283 Cr ▲69.5% | ₹167 Cr ▼1.8% | ₹170 Cr ▲13.3% | ₹150 Cr |
| CWIP | ₹9 Cr ▼18.2% | ₹11 Cr ▼15.4% | ₹13 Cr ▼78.3% | ₹60 Cr ▲62.2% | ₹37 Cr ▲270.0% | ₹10 Cr ▼9.1% | ₹11 Cr ▼21.4% | ₹14 Cr ▲250.0% | ₹4 Cr | ₹0 Cr |
| Investments | ₹7.1K Cr ▲12.1% | ₹6.4K Cr ▲57.8% | ₹4.0K Cr ▲13.3% | ₹3.6K Cr ▲73.3% | ₹2.1K Cr ▲29.8% | ₹1.6K Cr ▲4697.0% | ₹33 Cr ▼21.4% | ₹42 Cr ▲82.6% | ₹23 Cr ▼87.4% | ₹182 Cr |
| Other Assets | ₹2.1L Cr ▲7.2% | ₹1.9L Cr ▲28.2% | ₹1.5L Cr ▲37.8% | ₹1.1L Cr ▲36.8% | ₹80.1K Cr ▲10.0% | ₹72.8K Cr ▲14.3% | ₹63.7K Cr ▲11.3% | ₹57.3K Cr ▲30.2% | ₹44.0K Cr ▲45.3% | ₹30.3K Cr |
| Total Assets | ₹2.2L Cr ▲7.4% | ₹2.0L Cr ▲28.8% | ₹1.6L Cr ▲37.9% | ₹1.1L Cr ▲37.8% | ₹82.5K Cr ▲10.5% | ₹74.6K Cr ▲16.5% | ₹64.1K Cr ▲11.4% | ₹57.5K Cr ▲30.2% | ₹44.2K Cr ▲44.3% | ₹30.6K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-32.4K Cr ▲9.2% | ₹-35.7K Cr ▼31.6% | ₹-27.1K Cr ▼386.5% | ₹-5.6K Cr ▲37.0% | ₹-8.8K Cr ▼326.4% | ₹-2.1K Cr ▲77.7% | ₹-9.3K Cr ▼17.5% | ₹-7.9K Cr ▼439.9% | ₹-1.5K Cr ▲47.7% | ₹-2.8K Cr |
| Investing CF | ₹-2.9K Cr ▼3.3% | ₹-2.9K Cr ▼32.9% | ₹-2.1K Cr ▼231.0% | ₹1.6K Cr ▲193.9% | ₹-1.7K Cr ▼3133.3% | ₹-54 Cr ▼390.9% | ₹-11 Cr ▲81.7% | ₹-60 Cr ▲73.0% | ₹-222 Cr ▼62.0% | ₹-137 Cr |
| Financing CF | ₹39.8K Cr ▲3.4% | ₹38.5K Cr ▲40.1% | ₹27.5K Cr ▲433.3% | ₹5.2K Cr ▼40.9% | ₹8.7K Cr ▲255.1% | ₹2.5K Cr ▼79.9% | ₹12.2K Cr ▲52.2% | ₹8.0K Cr ▲373.3% | ₹1.7K Cr ▼44.2% | ₹3.0K Cr |
| Net Cash Flow | ₹4.4K Cr ▲6818.2% | ₹-66 Cr ▲96.3% | ₹-1.8K Cr ▼246.7% | ₹1.2K Cr ▲164.5% | ₹-1.9K Cr ▼684.5% | ₹323 Cr ▼88.7% | ₹2.9K Cr ▲12909.1% | ₹22 Cr ▲1000.0% | ₹2 Cr ▼97.6% | ₹85 Cr |
| Free Cash Flow | ₹-32.6K Cr ▲11.3% | ₹-36.8K Cr ▼34.7% | ₹-27.3K Cr ▼381.8% | ₹-5.7K Cr ▲36.2% | ₹-8.9K Cr ▼314.0% | ₹-2.1K Cr ▲77.2% | ₹-9.4K Cr ▼17.5% | ₹-8.0K Cr ▼424.2% | ₹-1.5K Cr ▲47.1% | ₹-2.9K Cr |
Values in ₹ Cr · Source: Screener.in
Deep Dive Analysis
About Cholamandalam Investment and Finance Company Limited
Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.[1]
Financial Services · Finance