CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED
₹1,352.00-₹13.75 (-1.0%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹34,125 Cr
- P/E
- 496.0x
- EV / EBITDA
- 411.1x
- Revenue
- ₹86.0 Cr
- Net margin
- 72.1%
- ROCE
- 6.1%
Price chart
Technical chartScreen technicals →-29.6% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -2.4%
- 3M
- -10.0%
- 6M
- -13.1%
- 1Y
- -29.6%
- 5Y
- +94.5%
52-week range
Day change -₹13.75 (-1.0%) from ₹1,366 to ₹1,352 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in CHOLAHLDNG, bought on each weekday since 2021.
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.
About the company
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments.
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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.
- Sector
- Financial Services
- Shares outstanding
- 18.8 Cr shares
- ISIN
- INE149A01033
- BSE code
- 504973
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹34,125 Cr
- P/E
- 496.0x
- P/B
- 25.2x
- EV / EBITDA
- 411.1x
- EV / Sales
- 396.8x
- P/S
- 396.8x
- Earnings yield
- 0.2%
- 52-week high
- ₹2,016.05
- 52-week low
- ₹1,253.35
Profitability
- Operating margin
- 96.5%
- Net margin
- 72.1%
- EBITDA margin
- 96.5%
- ROE
- 4.7%
- ROCE
- 6.1%
- ROA
- 4.8%
- Dividend payout
- 17.0%
- Tax rate
- 22.0%
- Other income, % of PBT
- 0.0%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹86.0 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 0.0%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -1.1%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹83.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 2.5%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 3.2%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -5.7%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹67.0 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 26.4%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹8.00 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 0.1%
Solvency and efficiency
- Current ratio
- 644.50
- Debt / Assets
- 0.00
- Financial leverage
- 1.00
- CFO / Net profit
- 1.08
- Cash / Market cap
- 0.0%
- Cash per share
- ₹0.53
- Asset turnover
- 0.07
- Debtor days
- 0 days
- Cash conversion cycle
- 0 days
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹74 was left as net profit.
| From | To | Amount |
|---|---|---|
| Sales | Expenses | ₹3 Cr |
| Sales | Operating profit | ₹83 Cr |
| Operating profit | Profit before tax | ₹83 Cr |
| Profit before tax | Tax and other | ₹19 Cr |
| Profit before tax | Net profit | ₹64 Cr |
Revenue and net profit
Revenue grew 0.0% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹58 Cr | ₹22 Cr |
| FY2022 | ₹84 Cr | ₹56 Cr |
| FY2023 | ₹84 Cr | ₹58 Cr |
| FY2024 | ₹86 Cr | ₹62 Cr |
| FY2025 | ₹86 Cr | ₹64 Cr |
Cash flows
FY2025: ₹3.00 Cr from operations, ₹3.00 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹52 Cr | ₹52 Cr |
| FY2022 | ₹58 Cr | ₹58 Cr |
| FY2023 | ₹53 Cr | ₹53 Cr |
| FY2024 | ₹67 Cr | ₹67 Cr |
| FY2025 | ₹3 Cr | ₹3 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹86 Cr0.0%1Y
- Net profit
- ₹64 Cr+3.2%1Y
- Cash from operations
- ₹3 Cr
- Free cash flow
- ₹3 Cr-95.5%1Y
- Revenue CAGR, 5Y
- -1.1%
- EBITDA CAGR, 5Y
- -1.2%
- Net profit CAGR, 5Y
- -5.7%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹86 Cr | ₹83 Cr | — | ₹64 Cr | ₹3 Cr | ₹3 Cr | 4.7% | 0.0% | +3.2% |
Monthly returns
Month-by-month returns of CHOLAHLDNG across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1,355 Cr |
| Equity capital | ₹19 Cr |
| Reserves | ₹1,333 Cr |
| Borrowings | ₹0 Cr |
| Other liabilities | ₹4 Cr |
| Assets | ₹1,355 Cr |
| Fixed assets | ₹0 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹1,291 Cr |
| Other assets | ₹65 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
CHOLAHLDNG trades at 496.0x earnings against a peer median of 26.9x (a 1744% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| CHOLAMANDALAM FINANCIAL HOLDINGS LIMITEDCHOLAHLDNGthis companyP/E ↑ premium | ₹34,125 Cr | 496.0x | 25.2x | 4.7% | 411.1x |
| Indian Renewable Energy Development Agency LimitedIREDA | ₹39,326 Cr | 20.9x | 3.0x | 16.5% | — |
| POONAWALLA FINCORP LIMITEDPOONAWALLA | ₹37,462 Cr | 172.0x | 3.8x | -1.2% | — |
| UCO BankUCOBANK | ₹36,264 Cr | 14.4x | 1.1x | 7.9% | — |
| CRISIL Ltd.CRISIL | ₹35,199 Cr | 52.7x | 17.8x | — | — |
| Central Bank of IndiaCENTRALBK | ₹34,124 Cr | 7.8x | 0.9x | 10.4% | — |
| Tata Investment Corporation Ltd.TATAINVEST | ₹33,836 Cr | 102.0x | 1.1x | 0.9% | 115.1x |
| Go Digit General Insurance LimitedGODIGIT | ₹31,319 Cr | 61.6x | 6.8x | 9.9% | 157.7x |
| TVS Holdings LimitedTVSHLTD | ₹28,739 Cr | 80.1x | 17.5x | 21.8% | 53.4x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
CHOLAHLDNG since 1 January, against earlier years.
Historical volatility
CHOLAHLDNG's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 96.0% |
| FY2022 | 97.0% |
| FY2023 | 97.0% |
| FY2024 | 96.0% |
| FY2025 | 96.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹86 Cr |
| Costs | |
| Interest | ₹0 Cr |
| Expenses | ₹4 Cr |
| Operating profitOperating Profit | ₹83 Cr |
| Other income and charges | |
| Profit before tax | ₹83 Cr |
| Tax | |
| Net profitNet Profit | ₹64 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1,355 Cr |
| Equity capitalEquity Capital | ₹19 Cr |
| Reserves | ₹1,333 Cr |
| Borrowings | ₹0 Cr |
| Other liabilitiesOther Liabilities | ₹4 Cr |
| AssetsTotal Assets | ₹1,355 Cr |
| Fixed assetsFixed Assets | ₹0 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹1,291 Cr |
| Other assetsOther Assets | ₹65 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹3 Cr |
| Investing cash flowCash from Investing Activity | ₹0 Cr |
| Financing cash flowCash from Financing Activity | -₹10 Cr |
| Change in cashNet Cash Flow | -₹8 Cr |
Learn while you research
Academy chapters picked for CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 496.0, learn when high multiples are justified.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read