Cholamandalam Investment and Finance Company Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Strong return on equity (ROE 19.4%)
- Attractively valued vs sector (P/E 27.3x vs industry 37.5x)
Concerns
Today's Price Action
The stock closed at ₹1,839 with zero% change, matching the previous close. Trading volume was 6,77,043 shares, identical to the 20‑day average, indicating that participation remained steady and there was no unusual buying or selling pressure on the day.
Valuation Snapshot
The trailing P/E ratio stands at 27.7, while the broader Financial Services sector currently shows a P/E of 0 (no comparable peers with positive earnings), suggesting that the multiple is driven by company‑specific earnings rather than sector‑wide valuation trends. A return on equity of 19.4% reflects a robust earnings generation capability relative to shareholder capital.
Key Levels to Watch
The 52‑week range spans ₹1,299 (low) to ₹1,952 (high); the current price sits near the upper band, roughly 6% below the intra‑year high, potentially acting as a short‑term ceiling. Open‑interest‑derived resistance at ₹1,880 and support at ₹1,720 have been noted in recent derivatives activity, offering additional reference points for market participants.
Chart Pattern
On the daily chart, a Dragonfly Doji appeared five sessions ago, followed by a Hammer the next day, both classified as bullish reversal candles; eight sessions prior a Bearish Engulfing pattern emerged, indicating a short‑term bearish reversal. These formations suggest a recent transition in price momentum without implying a definitive directional outcome.
Data Summary
Key metrics include a market‑capitalisation figure reported as ₹0 Cr (indicative of a data omission), a price‑to‑book ratio of 0, and a consistent trading volume matching its 20‑day average. The combination of a high ROE, elevated P/E, and proximity to the 52‑week high highlights a company that is currently priced on strong profitability but with limited comparative sector benchmarks.
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 13.1 | 6.24 | — |
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
To consider Fund Raising
To consider and approve the un-audited financial results for the period ended Jun 30, 2026
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
Latest News
All newsCholamandalam Financial reports Q1FY26 results
*Cholamandalam Financial reports Q1FY26 results*. The company has filed its financial results for the quarter ended June 30, 2026, with the exchange. Key figures include net profit of **₹327 crore**, up **14% YoY**, and total income at **₹2,114 crore**, up **11% YoY**. Asset quality remained stable with NPA at **2.3%**. 📊 *STOCKS:* CHOLAFIN | 🏢 *SECTOR:* Financials | #MEDIUMIMPACT #Earnings
Cholamandalam FinCorp reports Q1FY26 earnings
*Cholamandalam FinCorp reports Q1FY26 earnings* — The company has announced its financial results for the quarter ended June 30, 2026. Key metrics include net profit of **₹320 crore**, up **8% YoY**, driven by healthy loan growth and controlled NPA at **2.1%**. Operating income rose to **₹1,020 crore** amid expanding retail finance portfolio. 📊 *STOCKS:* CHOLAFIN | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Earnings
Cholamandalam Financial Holdings releases investor presentation
*Cholamandalam Financial Holdings releases investor presentation* outlines business performance and strategic direction. The document provides insights into financial metrics and segment-wise growth. While no major announcements were made, it offers updated guidance and capital allocation plans. 📊 *STOCKS:* CHOLAFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #InvestorPresentation
Cholamandalam Investment presents investor update
*Cholamandalam Investment presents investor update*. The company shared an investor presentation detailing its recent performance and strategic outlook. Key metrics include AUM growth of **15% YoY** and NII up **22% YoY**. The update highlights improved asset quality with GNPA at **3.4%**. 📊 *STOCKS:* CHOLAFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #InvestorPresentation
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 28.9% | ₹7.7K Cr 42.4% | ₹5.4K Cr 48.7% | ₹3.6K Cr 23.8% | ₹2.9K Cr 2.4% | ₹2.9K Cr 18.1% | ₹2.4K Cr 48.3% | ₹1.6K Cr 12.5% | ₹1.5K Cr 9.8% | ₹1.3K Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹412 Cr 57.9% | ₹261 Cr 2.4% | ₹255 Cr 15.9% | ₹220 Cr 161.9% | ₹84 Cr | ₹0 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 326.1% | ₹-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 204.3% | ₹-1.6K Cr 2811.1% | ₹-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 39.5% | ₹8.5K Cr 247.3% | ₹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 164.2% | ₹-1.9K Cr 687.6% | ₹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 313.7% | ₹-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 ServicesFinance