NSE / BSEFinancial Services
β‚Ή1882.50+15.50+0.83%
P/E30.9Mkt Capβ‚Ή1.44 L CrEV/EBITDA0.0

Cholamandalam Investment and Finance Company Ltd

P/E30.9Mkt Capβ‚Ή1.44 L CrEV/EBITDA0.0
Company Profile

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer portal services under the Gaadi Bazaar brand, which act as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is headquartered in Chennai, India.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 26 Aug 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 27.50% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+6.8%); Oct the lowest (-3.2%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-4.2%Negative MonthJan 2026: -4.16%+6.1%Positive MonthFeb 2026: +6.08%-21.8%Negative MonthMar 2026: -21.77%+15.3%Positive MonthApr 2026: +15.30%-1.6%Neutral MonthMay 2026: -1.55%+16.6%Positive MonthJun 2026: +16.59%+3.2%Positive MonthJul 2026: +3.24%+1.8%*Neutral MonthAug 2026: +1.77%β€”β€”β€”β€”
2025+8.3%Positive MonthJan 2025: +8.31%+9.0%Positive MonthFeb 2025: +8.97%+8.5%Positive MonthMar 2025: +8.50%-1.8%Neutral MonthApr 2025: -1.82%+7.3%Positive MonthMay 2025: +7.34%+1.6%Neutral MonthJun 2025: +1.61%-11.2%Negative MonthJul 2025: -11.16%-1.7%Neutral MonthAug 2025: -1.74%+13.4%Positive MonthSep 2025: +13.35%+5.4%Positive MonthOct 2025: +5.41%+2.3%Positive MonthNov 2025: +2.30%-2.0%Neutral MonthDec 2025: -1.96%
2024-6.0%Negative MonthJan 2024: -6.04%-8.0%Negative MonthFeb 2024: -8.04%+6.2%Positive MonthMar 2024: +6.21%+3.2%Positive MonthApr 2024: +3.23%+3.8%Positive MonthMay 2024: +3.85%+14.7%Positive MonthJun 2024: +14.74%-0.5%Neutral MonthJul 2024: -0.46%+2.9%Positive MonthAug 2024: +2.88%+10.4%Positive MonthSep 2024: +10.43%-20.9%Negative MonthOct 2024: -20.88%-3.0%Negative MonthNov 2024: -3.01%-3.9%Negative MonthDec 2024: -3.90%
2023-2.2%Negative MonthJan 2023: -2.16%+6.9%Positive MonthFeb 2023: +6.94%+0.7%Neutral MonthMar 2023: +0.67%+14.4%Positive MonthApr 2023: +14.40%+20.6%Positive MonthMay 2023: +20.61%+8.6%Positive MonthJun 2023: +8.64%-0.9%Neutral MonthJul 2023: -0.88%-0.8%Neutral MonthAug 2023: -0.77%+8.4%Positive MonthSep 2023: +8.43%-6.6%Negative MonthOct 2023: -6.60%-1.8%Neutral MonthNov 2023: -1.82%+12.9%Positive MonthDec 2023: +12.88%
2022+20.9%Positive MonthJan 2022: +20.89%+9.9%Positive MonthFeb 2022: +9.88%+3.9%Positive MonthMar 2022: +3.91%+3.0%Positive MonthApr 2022: +2.96%-8.1%Negative MonthMay 2022: -8.13%-8.8%Negative MonthJun 2022: -8.79%+13.1%Positive MonthJul 2022: +13.05%+12.7%Positive MonthAug 2022: +12.67%-7.2%Negative MonthSep 2022: -7.16%-3.2%Negative MonthOct 2022: -3.19%+1.0%Neutral MonthNov 2022: +1.03%+0.9%Neutral MonthDec 2022: +0.87%
2021β€”β€”β€”β€”β€”-5.6%Negative MonthJun 2021: -5.59%-7.2%Negative MonthJul 2021: -7.22%+16.3%Positive MonthAug 2021: +16.28%+1.8%Neutral MonthSep 2021: +1.82%+9.3%Positive MonthOct 2021: +9.29%-10.6%Negative MonthNov 2021: -10.59%-5.5%Negative MonthDec 2021: -5.50%
AvgΒ±SD+3.4%Β±10.1%+4.8%Β±6.5%-0.5%Β±10.9%+6.8%Β±6.8%+4.4%Β±9.6%+4.5%Β±9.6%-0.6%Β±7.7%+5.2%Β±6.8%+5.4%Β±7.3%-3.2%Β±10.5%-2.4%Β±4.5%+0.5%Β±6.6%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.106x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή25.79 K Crβ–² 36.0%
EBITDA Growthβ€”
Net Profitβ‚Ή4.26 K Crβ–² 24.4%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 6623.5%
Revenue CAGR 5Y17.0%
EBITDA CAGR 5Y0.0%
Net Profit CAGR 5Y26.6%
NP Growth 1Y24.4%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή25.79 K Crβ€”β‚Ή4.26 K Crβ€”β€”β€”36.0%24.4%
Mar 2024β‚Ή18.96 K Crβ€”β‚Ή3.42 K Crβ€”β€”β€”48.6%28.4%
Mar 2023β‚Ή12.76 K Crβ€”β‚Ή2.67 K Crβ€”β€”β€”26.9%24.2%
Mar 2022β‚Ή10.05 K Crβ€”β‚Ή2.15 K Crβ€”β€”β€”5.6%41.7%
Mar 2021β‚Ή9.52 K Crβ€”β‚Ή1.51 K Crβ€”β€”β€”10.0%44.0%
Mar 2020β‚Ή8.65 K Crβ€”β‚Ή1.05 K Crβ€”β€”β€”23.8%-11.3%
Mar 2019β‚Ή6.99 K Crβ€”β‚Ή1.19 K Crβ€”β€”β€”27.6%29.2%
Mar 2018β‚Ή5.48 K Crβ€”β‚Ή918.00 Crβ€”β€”β€”17.6%27.7%
Mar 2017β‚Ή4.66 K Crβ€”β‚Ή719.00 Crβ€”β€”β€”11.2%26.6%
Mar 2016β‚Ή4.19 K Crβ€”β‚Ή568.00 Crβ€”β€”β€”13.6%30.6%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue3,2623,6904,1924,6605,4796,9928,6539,51910,05512,75718,96025,79228,449
Finance Costs1,7711,9602,0512,2312,6593,5894,5924,5764,2995,7499,23112,48513,616
Total Expenses9181,0441,2501,2861,3691,5252,3672,8622,8523,5105,2077,5898,719
Financing Profit5736868911,1431,4511,8781,6932,0812,9043,4984,5225,7186,114
Financing Margin %18%19%21%25%26%27%20%22%29%27%24%22%21%
Other Income10110105684220255261405
Depreciation & Amortisation2429213850551089897119196242259
Profit Before Tax5506578711,1061,4011,8231,5862,0382,8913,6004,5825,7376,260
Tax %34%34%35%35%34%35%34%26%26%26%25%26%-
Net Profit / PAT3644355687199181,1861,0521,5152,1472,6663,4234,2594,644
EPS (β‚Ή)5.086.067.289.2011.7515.1712.8418.4726.1532.4440.7550.6455.21
Dividend Payout %14%12%12%12%11%9%13%11%8%6%5%4%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Cholamandalam Investment and Finance Company Ltdthis co.β‚Ή1.44 L Crβ‚Ή25.79 K Cr30.905.520.0036.0%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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