Cholamandalam vs Muthoot Finance: share price, P/E, ROE and financials compared
Cholamandalam Investment and Finance Company
Muthoot Finance
Cholamandalam and Muthoot Finance at a glance
Cholamandalam and Muthoot Finance are both listed in Financial Services. Cholamandalam is the larger by market cap, at ₹1.5L Cr against ₹1.2L Cr for Muthoot Finance (1.3 times as large). On valuation, Muthoot Finance has the lower P/E (9.4× against 24.5×) and the lower price-to-book (2.62× against 4.41×). On returns and margins, Muthoot Finance has the higher ROE (31.6% against 20.6%). Over three years, Muthoot Finance has faster 3-year profit growth (+43.1% against +25.2% a year). Both are lenders or insurers, so ROCE, operating margin and debt-to-equity aren’t compared: those ratios don’t fit financial balance sheets.
Key metrics, side by side
| Metric | CholamandalamCHOLAFIN | Muthoot FinanceMUTHOOTFIN |
|---|---|---|
| Price (₹) | 1,785.00 | 2,869.00 |
| Market cap (₹ Cr) | 1,53,103 | 1,15,181 |
| P/E | 24.5× | 9.4× (the lower figure, shaded) |
| P/B | 4.41× | 2.62× (the lower figure, shaded) |
| Dividend yield, trailing | 0.11% | 1.05% (the higher figure, shaded) |
| ROE | 20.6% | 31.6% (the higher figure, shaded) |
| ROCE | n/m | n/m |
| Operating margin (OPM) | n/m | n/m |
| Net margin (NPM) | 41.0% | 54.1% (the higher figure, shaded) |
| Sales CAGR 3Y | n/m | n/m |
| Profit CAGR 3Y | +25.2% | +43.1% (the higher figure, shaded) |
| Debt to equity | n/m | n/m |
| Interest cover | n/m | n/m |
| Net profit TTM (₹ Cr) | 6,222 | 11,373 |
| 1Y return | +0.8% (the higher figure, shaded) | −11.0% |
| Promoter holding | 48.93% | 73.35% |
Cholamandalam vs Muthoot Finance: common questions
Which is bigger, Cholamandalam or Muthoot Finance?
By market cap, Cholamandalam is bigger at ₹1.5L Cr, against ₹1.2L Cr for Muthoot Finance (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹6,222 Cr for Cholamandalam and ₹11,373 Cr for Muthoot Finance.
Which has a lower P/E ratio, Cholamandalam or Muthoot Finance?
Cholamandalam trades at a P/E of 24.5× and Muthoot Finance at 9.4×. Muthoot Finance has the lower P/E. P/E is the share price divided by earnings per share; it varies a lot between industries and with growth, so it says little on its own.
Which has a higher ROE, Cholamandalam or Muthoot Finance?
Cholamandalam reports a return on equity of 20.6% and Muthoot Finance 31.6%. Muthoot Finance has the higher ROE. ROE is net profit as a share of shareholders’ equity.
Which is growing faster, Cholamandalam or Muthoot Finance?
Over the last three years: profit grew +25.2% a year at Cholamandalam and +43.1% at Muthoot Finance, so Muthoot Finance grew profit faster. Past growth doesn’t predict future growth.