Cholamandalam Financial Holdings Ltd.

CHOLAHLDNG

₹1977.4

-1.07% (-21.4)

Market Cap

₹37,099 Cr.

P/E

17.07

Cholamandalam Financial Holdings Ltd.
Overview
Financials
Benchmarking
Shareholding

About

Cholamandalam Financial Holdings Limited (CFHL) incorporated in 1949, is a part of the Murugappa Group, one of the most diversified business conglomerates of India. CFHL is a Non-Deposit taking System… Read more

Cholamandalam Financial Holdings Limited (CFHL) incorporated in 1949, is a part of the Murugap… Read more

Low

1196

52W Range

High

2155

Timeline

Key company specific updates

Company Timeline

Custom financial statementNew

Edit rows

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Balance sheet
Net Block	1,336	73.17	282	277	450	418	436	594	1,755	2,000
Shareholders Funds	3,324	2,764	3,310	3,944	4,591	5,386	6,446	7,661	10,242	12,515
Profit & Loss
Operating Profit	1,393	311	4,418	5,778	6,547	7,093	7,342	9,534	14,392	18,855
Net Sales	3,975	2,688	8,909	10,926	13,185	13,904	14,644	18,146	25,804	33,125
Cash flow
Cash from Operating Activity	-500	594	-6,302	-9,274	-1,914	-9,719	-5,738	-29,329	-35,726	-34,201
Net Capex (est)	174	25.97	92.09	93.17	96.49	62.07	112	244	1,161	327
Ratios
ROCE (%)	23.38	5.51	11.68	11.57	10.98	10.55	9.67	10.00	12.01	—
ROE (%)	31.39	16.45	16.62	17.67	12.00	15.31	15.87	16.84	17.31	—

Forensics

9 Yes

Positive for this company

1 Neutral

Neutral for this company

7 No

Negative for this company

0 No Data

Insufficient data to analyse

Accounting & Shareholding

Contingent Liabilities

Company does not have significant contingent liabilities
Depreciation Effect

Depreciation accounting is not leading to increase in profits
Other Income

Other income is not affecting ratios of the company
Pledge

Promoters have not pledged a significant portion of their holding
Promoter Holding

Promoter has not sold any shares in the last 90 days
Retail Holding

Retail has been buying the stock which is usually a sign of exuberance
Revenue Recognition

Chances of aggressive revenue recognition - operating profit of company is not getting converted to cash and recievables rising faster than sales

Price & Performance

Capex vs ROCE

Company has maintained it roce despite making significant capex
ROE

Asset turnover is responsible for roe increase over last 10 years
Share price

Share price has increased over last 10 years due to earnings
Working Capital

Working capital of the company seems to be under control
Sales Growth

Sales of the company has grown at a good pace
Current vs Historic Valuation

Company is trading at a premium to 3yr historic valuations
Debt

Company might have issues servicing its debt
Margin Stability

Margins of the company are volatile
ROCE Strength

Roce of the company is not consistently strong
Balance Sheet Strength

Balance sheet is weak and might have solvency issues

Revenue mix

Product Wise Break-Up

Segment Break-Up

Location Wise Break-Up

Borrowings Break-Up

Profit Before Tax

Asset Break-Up

Operational Metrics

R&D as a % of Total Sales (%)

Cholamandalam Financial Holdings Ltd.

R&D as a % of Total Sales (%)
Source

Peer Comparison

Peer Name	Latest Price	PE	Market cap(Cr)	Prom Holding(%)	YoY Qtly Sales(%)	ROCE (%)	ROE (%)
Cholamandalam Fin.	1,983.8	17.24	37,471	46.45	26.15	12.01	17.31
Mah & Mah Finl. Serv	281.2	17.27	39,065	52.16	14.14	8.45	9.7
Poonawalla Fincorp	426.35	0.00	33,207	62.53	27.46	13.22	20.6
Piramal Enterprises	1,177.9	54.94	26,669	46.41	15.37	8.43	1.79
L&T Finance	191.09	18.39	48,612	66.24	9.61	14.93	10.34
Five Star Business	799.25	21.97	23,567	21.47	22.06	13.94	16.09
Manappuram Finance	268.9	18.47	22,464	35.25	0.5	15.91	18.95
CreditAccess Grameen	1,222.4	35.96	19,108	66.43	-3.49	12.4	22.01

Brands

BSA Hercules

Corporate Actions

Consolidated Dividend

DATE

DETAILS

2024, Aug 02

Dividend Dividend of Rs.0.55 per share

2023, Aug 03

Dividend Dividend of Rs.0.55 per share

2022, Aug 02

Dividend Dividend of Rs.0.55 per share

2021, Jul 27

Dividend Dividend of Rs.0.55 per share

2020, Mar 05

Dividend Dividend of Rs.0.65 per share

Customers

Ashok Leyland Ltd.
Bajaj Auto Ltd.
Bharat Heavy Electricals Ltd.
Bosch Ltd.
Eicher Motors Ltd.
Force Motors Ltd.
Godrej Industries Ltd.
Hero MotoCorp Ltd.
LMW Ltd.
Mahindra & Mahindra Ltd.
Maruti Suzuki India Ltd.
Tata Motors Ltd.
TVS Motor Company Ltd.
Areva
Atlas Copco
Autoliv
BEHR
Brose
General Motors
Honda
Hyundai
IWIS
Knorr-Bremse
Lear
Nissan
Piaggio
Renault
Suzuki
Valeo
Yamaha

Showing 5 of 30

FAQs on Cholamandalam Financial Holdings Ltd. Business

What does Cholamandalam Fin. do?

Cholamandalam Financial Holdings Limited, a core investment company under the Murugappa Group, provides financial products and risk management services to individual and corporate customers.

Who are the competitors of Cholamandalam Fin.?

Cholamandalam Fin. major competitors are Mah & Mah Finl. Serv, Poonawalla Fincorp, Piramal Enterprises, L&T Finance, Five Star Business, Manappuram Finance, CreditAccess Grameen.
Market Cap of Cholamandalam Fin. is ₹37,471 Crs.
While the median market cap of its peers are ₹26,669 Crs.

Is Cholamandalam Fin. financially stable compared to its competitors?

Cholamandalam Fin. seems to be less financially stable compared to its competitors.
Altman Z score of Cholamandalam Fin. is 0.29 and is ranked 8 out of its 8 competitors.

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Global Leaders

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