On 6 Nov 2026, Cholamandalam Financial Holdings was priced at ₹1,454.60, or 10.2× trailing earnings, and the shares are 28% below their 52-week high. It earns ROE of 17%, and net profit grew 24% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.77× book value and its dividend yield is 0.1%. It is a small-cap company with a market cap of ₹27,314 Cr, ranked 19th of 193 Credit Services companies by market cap; the shares fell 30% over the past year.
- ₹1,413.90
- ₹1,512.90
- ₹1,402.30
- ₹1,412.70
- 7.7 L
Health check
- ReturnsBehind
−29.9% over a year, better than 1 of 7 peers.
- Price tagCheaper
P/B 1.77 vs peer median 2.62.
- GrowthSteady
Profit +23.7% a year over 3 years.
- ProfitabilityAverage
ROE 17.5% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Defensive
Key metrics
- Market cap
- ₹27,314 Cr
- Small cap
- P/E
- 10.2
- Industry 15.9
- Price to book
- 1.77
- Peers 2.62
- Dividend yield
- 0.09%
- ROE
- 17.5%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹142.11
- Face value ₹1
- OPM (TTM)
- 17.3%
- Net margin 11.9%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +39.3%
- Latest quarter vs a year ago
- Price to sales
- 1.22
Strengths and risks
Strengths
- Quarterly profit up 39.3% on a year ago.
About Cholamandalam Financial Holdings
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, gold loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services,…
- Headquarters
- Chennai
- Employees
- 53,503
- Sector
- Financial Services
- ISIN
- INE149A01033
- Website
- cholafhl.com
Price range
- Avg volume (3M)
- 1.6 L
- 1-year return
- minus 29.9%
- From 52-week high
- minus 27.6%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.79% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.06% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.98% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.75% | minus 34.4% |
| CHOLAHLDNGCholamandalam Financial Holdings | 1,454.60 | plus 2.97% | 27,314 | 10.2 | 1.77 | 17.5% | – | 23.7% | 0.09% | minus 29.9% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.06% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 9,500 | 10,128 | 10,461 | 10,841 | 11,385 | |
| 8,093 | 8,517 | 8,800 | 8,770 | 9,340 | |
| 1,407 | 1,610 | 1,661 | 2,070 | 2,045 | |
| 14.8% | 15.9% | 15.9% | 19.1% | 18.0% | |
| 88 | 130 | 137 | 156 | 103 | |
| 78.6 | 82.6 | 87.2 | 84.2 | 87.4 | |
| 280 | −25.8 | 153 | – | 339 | |
| 1,696 | 1,632 | 1,863 | 2,142 | 2,400 | |
| 25.7% | 25.6% | 25.6% | 24.1% | 25.5% | |
| 579 | 550 | 626 | 687 | 806 | |
| 30.81 | 29.28 | 33.32 | 36.59 | 42.92 |
Profit & loss
- Profit CAGR 3Y
- +23.7%
- EPS CAGR 3Y
- +23.7%
- ROE
- 17.5%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 19,381 | 27,276 | 34,837 | 40,693 | |
| – | +40.7% | +27.7% | +16.8% | |
| 15,697 | 22,253 | 28,690 | 33,819 | |
| 3,684 | 5,022 | 6,147 | 6,875 | |
| 19.0% | 18.4% | 17.6% | 16.9% | |
| 116 | 202 | 354 | 434 | |
| 17.1 | 26.8 | 44.9 | 52.4 | |
| 176 | 248 | 296 | 333 | |
| 217 | 250 | 239 | 403 | |
| 3,824 | 5,200 | 6,400 | 7,326 | |
| 26.3% | 26.2% | 26.0% | 25.2% | |
| 1,290 | 1,773 | 2,174 | 2,441 | |
| – | +37.4% | +22.6% | +12.3% | |
| 68.72 | 94.39 | 115.76 | 130.01 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 18.8 | 18.8 | 18.8 | 18.8 | |
| 16,030 | 10,223 | 12,497 | 15,435 | |
| 97,191 | 1,34,014 | 1,74,366 | 2,10,400 | |
| 17,793 | 32,662 | 37,734 | 42,479 | |
| 1,31,033 | 1,76,918 | 2,24,616 | 2,68,333 | |
| 542 | 1,670 | 1,905 | 2,064 | |
| 35.7 | – | 3.7 | 18.3 | |
| 1,993 | 3,227 | 4,137 | 4,343 | |
| 4,687 | 4,999 | 12,773 | 17,440 | |
| 1,23,775 | 1,67,022 | 2,05,798 | 2,44,467 | |
| 1,31,033 | 1,76,918 | 2,24,616 | 2,68,333 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −29,329 | −35,726 | −34,201 | −30,033 | |
| 295 | −2,625 | −1,038 | −2,528 | |
| 27,288 | 38,269 | 39,652 | 35,650 | |
| −1,746 | −82.2 | 4,413 | 3,089 | |
| −261 | −1,169 | −341 | −360 | |
| −29,589 | −36,895 | −34,543 | −30,393 | |
| −100 | −103 | −104 | −119 |
Shareholding pattern
- Promoters46.39%
- Public53.61%
| Quarter | Split | Promoters | Public | Promoter change |
|---|---|---|---|---|
| 30 Sep 2026 | 46.39% | 53.61% | minus 0.04 | |
| 30 Jun 2026 | 46.43% | 53.57% | plus 0.05 | |
| 31 Mar 2026 | 46.38% | 53.62% | 0.00 | |
| 31 Dec 2025 | 46.38% | 53.62% | minus 0.04 | |
| 30 Sep 2025 | 46.42% | 53.58% | – |
Major shareholders
Filings & events
News
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