NSE / BSEFinancial Services
₹1574.10-10.45-0.66%
P/E30.9Mkt Cap₹1.44 L CrEV/EBITDA—

Cholamandalam Investment and Finance Company Ltd

P/E30.9Mkt Cap₹1.44 L CrEV/EBITDA—
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
₹0.00
Current Price
₹0
as of 16 Oct 2026
P/E Ratio
0.0x
P/B Ratio
0.0x
EV / EBITDA
—
EV / Sales
—
52W High
₹0
52W Low
₹0
Shares Out
0.00 Cr

Profitability

Operating Margin
—
Net Profit Margin
—
EBITDA Margin
—

Returns

ROE
0.0%
ROCE
0.0%
ROIC %
—
ROA
—
Dividend Payout
0.0%

Solvency

Current Ratio
—
Debt / Equity
—
Debt / Assets
—
CFO / Net Profit
0.0x
Interest Coverage
—

AI Summary

Indian Stock

Strengths1

  • Strong 5-year revenue CAGR of 17.0%

Concerns0

    Rule-based from financial data. Not advice.

    Price History▼ 5.66% over 1Y

    Monthly Returns

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    Year-to-Date ROI

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    Historical Volatility

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    Historical Performance

    Revenue, profitability, and cash flow trends (₹ 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

    Revenue₹25.79 K Cr▲ 36.0%
    EBITDA Growth—
    Net Profit₹4.26 K Cr▲ 24.4%
    Cash from Ops (CFO)—
    Free Cash Flow (FCF)—▼ 6623.5%
    Revenue CAGR 5Y17.0%
    EBITDA CAGR 5Y—
    Net Profit CAGR 5Y26.6%
    NP Growth 1Y24.4%

    Historical Growth

    Year-by-year revenue, profitability, and cash flow (₹ Crores, last 1 year)

    YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
    Mar 2025₹25.79 K Cr—₹4.26 K Cr———36.0%24.4%

    Showing the latest year only. Sign up free for the full history.

    Financial Statements

    Income statement, balance sheet, and cash flow (₹ Crores, as reported)

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    Consolidated Figures in USD Millions.

    Unnamed: 0TTM
    Revenue28,449
    Finance Costs13,616
    Total Expenses8,719
    Financing Profit6,114
    Financing Margin %21%
    Other Income405
    Depreciation & Amortisation259
    Profit Before Tax6,260
    Tax %-
    Net Profit / PAT4,644
    EPS (₹)55.21
    Dividend Payout %-

    Peer Comparison

    Financials sector peers, ranked by market cap

    CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
    Cholamandalam Investment and Finance Company Ltdthis co.₹1.44 L Cr₹25.79 K Cr30.905.52—36.0%
    HDFC Bank Ltd.₹14.43 L Cr₹3.01 L Cr20.302.78—16.3%
    ICICI Bank Ltd.₹10.28 L Cr₹1.63 L Cr20.703.32—14.3%
    State Bank Of India₹9.49 L Cr₹4.62 L Cr13.301.83—11.4%
    Bajaj Finance Limited₹5.91 L Cr₹61.95 K Cr36.806.33—32.0%
    LIFE INSURANCE CORPORATION OF INDIA₹5.26 L Cr₹8.87 L Cr10.303.739.875.2%
    Kotak Mahindra Bank Ltd.₹4.24 L Cr₹52.92 K Cr31.703.39—15.5%
    Industry Average—₹30.80 K Cr45.914.8770.9114.6%

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