Cholamandalam Investment & Finance Company Ltd (CHOLAFIN)
₹1,849.30
Mkt cap
₹1.57L Cr
P/E ratio
27.30
P/B
5.18
Div yield
0.11%
ROE
19.40%
ROCE
9.71%
EPS (TTM)
₹67.74
Book value
₹357
52W range
1,355–1,940
Sector
Financial Services
Price history
Previous close
Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property. [1]
NSE CHOLAFINBSE 511243
Health check
Cautious
ValuationExpensive
ProfitabilityWeak
TechnicalsBullish
52-week range
−4.68% from high₹1,849
₹1,355+36.51% from low₹1,940
Current
₹1,849.30
Prev close
₹1,825.90
Day
+1.28%
Price performance
1D
+1.28%
1W
−1.39%
1M
−1.63%
3M
+23.02%
6M
+6.85%
1Y
+28.44%
YTD
+3.83%
Financials
Revenue, profit & margin
P/E ratio
27.3×
CHOLAFIN is 40% above the sector median of 19.5×
CHOLAFIN27.3×
Sector median19.5×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 | |
| Interest | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | 4,007 | |
| Expenses | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 | 2,652 | |
| Financing Profit | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 | 2,197 | |
| Financing Margin % | 22% | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% | 22% | 25% | 25% | |
| Other Income | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 | 102 | |
| Depreciation | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | 75 | |
| Profit before tax | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 | 2,224 | |
| Tax % | 25% | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% | 26% | |
| Net Profit | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 | |
| EPS in Rs | 8.64 | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 | 15.28 | 19.31 | 19.43 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +0.54% · closed higher next day 36 of last 63
| Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 3 Nov '23 | 25 Jan '24◦ | 1 May '24◦ | 27 Jul '24◦ | 26 Oct '24◦ | 1 Feb '25 | 25 Apr '25◦ | 31 Jul '25◦ | 6 Nov '25◦ | 30 Jan '26◦ | 30 Apr '26 | 28 Jul '26 |
| Earnings day | −3.66% | −1.12% | +9.08% | +1.59% | −6.69% | −1.58% | −1.15% | −1.43% | +1.22% | −2.29% | +0.62% | +2.85% |
| +1 day | −2.13% | −2.46% | +9.75% | +0.49% | −5.82% | +4.03% | −3.82% | +2.00% | +4.22% | +3.85% | +5.55% | +1.19% |
| +5 days | −2.48% | −8.70% | +2.45% | −4.54% | −6.50% | +7.33% | −0.84% | +0.55% | +1.85% | +8.49% | +7.78% | +7.24% |
| +15 days | −6.05% | −8.95% | +7.20% | −1.64% | −12.19% | +7.64% | +4.26% | +4.59% | +3.12% | +3.57% | −0.87% | +6.87% |
| +30 days | +6.13% | −14.32% | +20.35% | +6.85% | −2.12% | +17.84% | +6.10% | +9.69% | −2.10% | −6.29% | +6.46% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Re 0.70 Per Share | — | 21 Jul '26 | 21 Jul '26 |
Shareholding
as of Jun 202649.23%Promoter
Promoters49.23%0.02
FIIs24.46%0.41
DIIs20.62%0.71
Public5.70%0.25
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | ₹1,060.50 | 32.24 | 6,60,262 | 0.51% | 6,081 | +27.37% | 23,165 | +18.65% | 10.87% |
| SHRIRAMFIN | ₹1,041.00 | 21.64 | 2,44,946 | 1.04% | 3,453 | +59.89% | 13,400 | +16.16% | 11.49% |
| TATACAP | ₹375.05 | 29.29 | 1,59,204 | 0.15% | 1,628 | +56.32% | 8,822 | +15.10% | 8.58% |
| CHOLAFIN | ₹1,839.00 | 27.31 | 1,57,063 | 0.11% | 1,656 | +45.56% | 8,856 | +21.87% | 9.71% |
| MUTHOOTFIN | ₹2,913.80 | 10.29 | 1,16,980 | 1.03% | 2,825 | +38.83% | 8,672 | +34.44% | 15.80% |
| LTF | ₹314.00 | 24.57 | 78,699 | 0.88% | 916 | +28.72% | 5,213 | +22.38% | 8.40% |
| SBICARD | ₹658.25 | 27.53 | 62,642 | 0.38% | 664 | +19.51% | 5,041 | +3.36% | 10.10% |
| Median: 100 Co. | ₹128.64 | 19.47 | 521 | 0.00% | 11 | +38.31% | 49 | +27.36% | 9.60% |
Filings
Annual reports15
Annual Report 2026bseAnnual Report 2025bseAnnual Report 2024bseAnnual Report 2023bseAnnual Report 2022bseAnnual Report 2021bseAnnual Report 2020bseAnnual Report 2019bseAnnual Report 2018bseAnnual Report 2017bseAnnual Report 2016bseAnnual Report 2015bseAnnual Report 2014bseAnnual Report 2013bseAnnual Report 2012bse
Concall transcripts70
TranscriptAug 2026PPTAug 2026RECAug 2026PPTJul 2026TranscriptMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptDec 2025TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptOct 2024PPTOct 2024RECOct 2024TranscriptAug 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment 1 Sep - Company allotted 2,000 unsecured perpetual non-convertible securities for ₹2,000 crore at 8.97% coupon.Intimation Under Reg.31A(8) Of SEBI (LODR) Regulations 26 Aug - NSE and BSE approved AGPL reclassificationPromoter to Public on 26 August 2026.Announcement under Regulation 30 (LODR)-Allotment 21 Aug - 350 crore secured NCDs allotted via NSE EBP on 21-Aug-26 at 8.64% coupon.Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 13 Aug - Intimation on allotment of equity 43050 sharesAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 4 Aug - Transcript of 1Q FY27 earnings call uploaded on 4 August 2026.