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As of 6 Nov 2026, Cholamandalam Investment and Finance Company trades at 24.5× trailing earnings. Its ROE of 21% is the second-highest among the 7 largest Credit Services peers, and net profit grew 25% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 4.41× book value and its dividend yield is 0.1%. It is a large-cap company with a market cap of ₹1.5 lakh crore, ranked 3rd of 193 Credit Services companies by market cap; the shares rose 0.8% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹1,743.20
Day high
₹1,785.00
Day low
₹1,722.90
Prev. close
₹1,760.00
Volume
15.3 L

Health check

4 good · 1 fair · 1 to check
  • ReturnsIn line

    +0.8% over a year, better than 4 of 7 peers.

  • Price tagPricier

    P/B 4.41 vs peer median 2.03.

  • GrowthStrong

    Profit +25.2% a year over 3 years.

  • ProfitabilityStrong

    ROE 20.6% vs peer median 16.9%.

  • Balance sheetSolid

    Return on assets 2.56%. Bad-loan data isn’t covered.

  • Red flagsNone found

    No warning signs in the headline numbers.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Large cap

₹1.5L Cr, #3 of 193 in its industry by size.

Defensive

Beta 0.46 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹15,168 Cr · profit ₹6,222 Cr
Market cap
₹1.5L Cr
Large cap
P/E
24.5
Industry 15.5
Price to book
4.41
Peers 2.03
Dividend yield
0.11%
ROE
20.6%
Peers 16.9%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹72.98
Face value ₹2
OPM (TTM)
53.8%
Net margin 41.0%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+38.6%
Latest quarter vs a year ago
Price to sales
10.09

Strengths and risks

Strengths

  • Return on equity of 20.6%.
  • Quarterly profit up 38.6% on a year ago.

No obvious red flags in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Cholamandalam Investment and Finance Company

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 vehicle, two- and three- wheelers, and tractors and farm equipment, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as…

Headquarters
Chennai
Employees
51,320
Sector
Financial Services
ISIN
INE121A01024
Website
cholamandalam.com

Price range

52 weeks

₹1,299.40₹1,952.50

Today

₹1,722.90₹1,785.00
Avg volume (3M)
15.3 L
1-year return
plus 0.8%
From 52-week high
minus 8.6%

Analyst consensus

32 analysts
Strong buyMean target ₹1,937.56 plus 8.5%

Target range, with today’s price

Low ₹1,645.00High ₹2,150.00

Next results expected around 29 Jan 2027

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
RECLTDREC296.65plus 0.30%78,1155.20.8216.9%2.3%13.5%4.72%minus 20.2%
Median of 7 peers–0.37%1,15,18114.32.0316.9%2.7%18.0%1.80%−11.0%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
3,8854,3634,8114,9495,060
3,4683,6463,7534,0074,334
67.473.871.675.183.2
1,5321,7362,1432,2242,188
25.7%25.7%23.2%25.5%25.5%
1,1381,2901,6451,6561,630
13.5015.2519.2819.3319.06

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+25.2%
EPS CAGR 3Y
+24.1%
ROE
20.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
7,1459,93913,41116,752
–+39.1%+34.9%+24.9%
5,7339,21312,47514,364
121198245284
−0.7−5.9−2.1−7.2
3,6154,6055,7416,973
25.9%25.9%25.8%25.0%
2,6653,4204,2635,233
–+28.3%+24.6%+22.8%
32.3841.0650.6061.83

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
164168168170
14,18219,42523,50030,288
97,5241,34,8481,75,5952,11,686
1,7562,2452,6233,304
1,13,6271,56,6862,01,8872,45,448
4321,5471,7611,872
56.97.37.432.4
3,8354,2836,5718,347
1,9922,2366,52110,890
1,07,3121,48,6131,87,0262,24,307
1,13,6271,56,6862,01,8872,45,448

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−27,105−35,683−32,413−30,021
−2,148−2,855−2,948−2,554
27,46638,47139,79535,610
−1,787−66.24,4343,035
−189−1,076−200−265
−27,295−36,759−32,613−30,286
−164−167−168−170

Shareholding pattern

Source: NSE filings
48.9%
promoters
  • Promoters48.93%
  • Public51.07%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202648.93%51.07%minus 0.29
30 Jun 202649.22%50.78%minus 0.03
31 Mar 202649.25%50.75%minus 0.47
31 Dec 202549.72%50.28%minus 0.16
30 Sep 202549.88%50.12%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you