Cholamandalam Investment & Finance Company Ltd (CHOLAFIN)
₹1,717.30
Mkt cap
₹1.47L Cr
P/E ratio
28.10
P/B
4.81
Div yield
0.12%
ROE
19.40%
ROCE
9.71%
EPS (TTM)
₹61.11
Book value
₹357
52W range
1,355–1,853
Sector
Financial Services
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]
Health check
Cautious
ValuationExpensive
ProfitabilityWeak
TechnicalsBullish
52-week range
−7.34% from high₹1,717
₹1,355+26.77% from low₹1,853
Current
₹1,717.30
Prev close
₹1,728.00
Day
−0.62%
Price performance
1D
−0.62%
1W
−4.01%
1M
−0.50%
3M
+9.69%
6M
+1.07%
1Y
+10.30%
YTD
−3.58%
Financials
FRevenue, profit & margin
P/E ratio
28.1×
CHOLAFIN is 34% above the sector median of 20.9×
CHOLAFIN28.1×
Sector median20.9×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,741 | 4,100 | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | |
| Interest | 1,734 | 2,006 | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | |
| Expenses | 902 | 1,174 | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 | |
| Financing Profit | 1,105 | 920 | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 | |
| Financing Margin % | 30% | 22% | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% | 22% | 25% | |
| Other Income | 93 | 71 | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 | |
| Depreciation | 36 | 39 | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | |
| Profit before tax | 1,163 | 952 | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 | |
| Tax % | 26% | 25% | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% | |
| Net Profit | 855 | 710 | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | |
| EPS in Rs | 10.40 | 8.64 | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 | 15.28 | 19.31 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
EResults dates & reactionsNext results
28 Jul '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +0.85% · closed higher next day 39 of last 62
| Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 2 Aug '23 | 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 |
| Earnings day | −2.75% | −3.66% | −1.12% | +9.08% | +1.59% | −6.69% | −1.58% | −1.15% | −1.43% | +1.22% | −2.29% | +0.62% |
| +1 day | −5.31% | −2.13% | −2.46% | +9.75% | +0.49% | −5.82% | +4.03% | −3.82% | +2.00% | +4.22% | +3.85% | +5.55% |
| +5 days | −6.62% | −2.48% | −8.70% | +2.45% | −4.54% | −6.50% | +7.33% | −0.84% | +0.55% | +1.85% | +8.49% | +7.78% |
| +15 days | −4.02% | −6.05% | −8.95% | +7.20% | −1.64% | −12.19% | +7.64% | +4.26% | +4.59% | +3.12% | +3.57% | −0.87% |
| +30 days | +6.91% | +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
CLast 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Re 0.70 Per Share | — | 21 Jul '26 | 21 Jul '26 |
| dividend Interim Dividend - Rs 1.30 Per Share | 1.30 | 5 Feb '26 | 5 Feb '26 |
Shareholding
Sas of Jun 202649.23%Promoter
Promoters49.23%0.02
FIIs24.46%0.41
DIIs20.62%0.71
Public5.70%0.25
Ownership trend
Peers
P7 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 |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹1,012.80 | 32.81 | 6,30,747 | 0.53% | 5,553 | +21.99% | 21,606 | +18.10% | 10.87% |
| Shriram Finance | ₹1,005.10 | 20.90 | 2,36,576 | 1.07% | 3,453 | +59.89% | 13,400 | +16.16% | 11.49% |
| Cholaman.Inv.&Fn | ₹1,724.40 | 28.06 | 1,46,981 | 0.12% | 1,645 | +30.62% | 8,417 | +19.46% | 9.71% |
| Tata Capital | ₹341.90 | 29.76 | 1,45,196 | 0.17% | 1,466 | +42.82% | 8,160 | +9.12% | 8.58% |
| Muthoot Finance | ₹2,986.70 | 11.32 | 1,19,925 | 1.00% | 3,397 | +126.67% | 9,289 | +65.23% | 15.77% |
| L&T Finance Ltd | ₹302.40 | 23.65 | 75,746 | 0.91% | 916 | +28.72% | 5,213 | +22.38% | 8.40% |
| SBI Cards | ₹618.75 | 25.89 | 58,910 | 0.40% | 664 | +19.51% | 5,041 | +3.36% | 10.10% |
| Median: 98 Co. | ₹126.72 | 20.90 | 488 | 0.00% | 5 | +28.93% | 42 | +18.10% | 9.71% |
Filings
DAnnual reports15
Financial Year 2026bseFinancial Year 2025bseFinancial Year 2024bseFinancial Year 2023bseFinancial Year 2022bseFinancial Year 2021bseFinancial Year 2020bseFinancial Year 2019bseFinancial Year 2018bseFinancial Year 2017bseFinancial Year 2016bseFinancial Year 2015bseFinancial Year 2014bseFinancial Year 2013bseFinancial Year 2012bse
Concall transcripts67
TranscriptMay 2026PPTMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptDec 2025TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptOct 2024PPTOct 2024RECOct 2024TranscriptAug 2024PPTAug 2024TranscriptMay 2024PPTMay 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment 20 Jul - On July 20, 2026, company allotted 9,910 equity shares under employee stock options.Update on board meeting 17 Jul - Board meeting on 28 July 2026 to consider issuance of secured and unsecured non-convertible debentures.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 17 Jul - Intimation on Schedule of Investors Meeting for the quarter ended 30-Jun-2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 15 Jul - Submitted Regulation 74(5) certificate for quarter ended June 30, 2026.Announcement under Regulation 30 (LODR)-Conversion of Securities 8 Jul - 20,000 CCDs converted into 13,54,940 equity shares at Rs 1,476.08 on July 8, 2026.