CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Operating margin of 96.5% exceeds Financial Services median (59.5%)
Concerns1
- Low return on equity of 4.7%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ86.00 Cr | β | βΉ64.00 Cr | β | β | 4.7% | 0.0% | 3.2% |
| Mar 2024 | βΉ86.00 Cr | β | βΉ62.00 Cr | β | β | 4.8% | 2.4% | 6.9% |
| Mar 2023 | βΉ84.00 Cr | β | βΉ58.00 Cr | β | β | 4.7% | 0.0% | 3.6% |
| Mar 2022 | βΉ84.00 Cr | β | βΉ56.00 Cr | β | β | 4.7% | 44.8% | 154.5% |
| Mar 2021 | βΉ58.00 Cr | β | βΉ22.00 Cr | β | β | 1.9% | -36.3% | -73.5% |
| Mar 2020 | βΉ91.00 Cr | β | βΉ83.00 Cr | β | β | 7.4% | 23.0% | 23.9% |
| Mar 2019 | βΉ74.00 Cr | β | βΉ67.00 Cr | β | β | 6.3% | 13.8% | 13.6% |
| Mar 2018 | βΉ65.00 Cr | β | βΉ59.00 Cr | β | β | 5.8% | 62.5% | 63.9% |
| Mar 2017 | βΉ40.00 Cr | β | βΉ36.00 Cr | β | β | 3.7% | -99.2% | -95.1% |
| Mar 2016 | βΉ4.77 K Cr | β | βΉ730.00 Cr | β | β | 37.6% | 24.3% | 503.3% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 88 |
| Total Expenses | 4 |
| EBIT / Operating Profit | 84 |
| OPM % | 96% |
| Other Income | 0 |
| Finance Costs | 0 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 84 |
| Tax % | - |
| Net Profit / PAT | 69 |
| EPS (βΉ) | 3.66 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| CHOLAMANDALAM FINANCIAL HOLDINGS LIMITEDthis co. | βΉ34.13 K Cr | βΉ86.00 Cr | 496.00 | 25.21 | 411.12 | 0.0% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |