Shriram Finance vs Cholamandalam: share price, P/E, ROE and financials compared
Shriram Finance
Cholamandalam Investment and Finance Company
Shriram Finance and Cholamandalam at a glance
Shriram Finance and Cholamandalam are both listed in Financial Services. Shriram Finance is the larger by market cap, at ₹2.3L Cr against ₹1.5L Cr for Cholamandalam (1.5 times as large). On valuation, Shriram Finance has the lower P/E (16.0× against 24.5×) and the lower price-to-book (2.03× against 4.41×). On returns and margins, Cholamandalam has the higher ROE (20.6% against 14.8%). Over three years, Cholamandalam has faster 3-year profit growth (+25.2% against +18.6% 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 | Shriram FinanceSHRIRAMFIN | CholamandalamCHOLAFIN |
|---|---|---|
| Price (₹) | 961.15 | 1,785.00 |
| Market cap (₹ Cr) | 2,26,167 | 1,53,103 |
| P/E | 16.0× (the lower figure, shaded) | 24.5× |
| P/B | 2.03× (the lower figure, shaded) | 4.41× |
| Dividend yield, trailing | 1.80% (the higher figure, shaded) | 0.11% |
| ROE | 14.8% | 20.6% (the higher figure, shaded) |
| ROCE | n/m | n/m |
| Operating margin (OPM) | n/m | n/m |
| Net margin (NPM) | 51.9% (the higher figure, shaded) | 41.0% |
| Sales CAGR 3Y | n/m | n/m |
| Profit CAGR 3Y | +18.6% | +25.2% (the higher figure, shaded) |
| Debt to equity | n/m | n/m |
| Interest cover | n/m | n/m |
| Net profit TTM (₹ Cr) | 12,687 | 6,222 |
| 1Y return | +21.0% (the higher figure, shaded) | +0.8% |
| Promoter holding | 20.30% | 48.93% |
Shriram Finance vs Cholamandalam: common questions
Which is bigger, Shriram Finance or Cholamandalam?
By market cap, Shriram Finance is bigger at ₹2.3L Cr, against ₹1.5L Cr for Cholamandalam (prices as of 6 Nov 2026). Net profit over the last twelve months was ₹12,687 Cr for Shriram Finance and ₹6,222 Cr for Cholamandalam.
Which has a lower P/E ratio, Shriram Finance or Cholamandalam?
Shriram Finance trades at a P/E of 16.0× and Cholamandalam at 24.5×. Shriram 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, Shriram Finance or Cholamandalam?
Shriram Finance reports a return on equity of 14.8% and Cholamandalam 20.6%. Cholamandalam has the higher ROE. ROE is net profit as a share of shareholders’ equity.
Which is growing faster, Shriram Finance or Cholamandalam?
Over the last three years: profit grew +18.6% a year at Shriram Finance and +25.2% at Cholamandalam, so Cholamandalam grew profit faster. Past growth doesn’t predict future growth.