Cholamandalam Investment & Finance Company Ltd (CHOLAFIN)
₹1,586.00
Mkt cap
₹1.36L Cr
P/E ratio
21.80
P/B
3.93
Div yield
0.13%
ROE
19.40%
ROCE
9.71%
EPS (TTM)
₹72.75
Book value
₹404
52W range
1,299–1,953
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
ValuationFair
ProfitabilityWeak
TechnicalsNeutral
52-week range
−18.77% from high₹1,586
₹1,299+22.06% from low₹1,953
Current
₹1,586.00
Prev close
₹1,604.20
Day
−1.13%
Price performance
1D
−1.13%
1W
+8.35%
1M
−2.54%
3M
−10.59%
6M
+2.11%
1Y
−5.86%
YTD
−10.95%
Financials
Revenue, profit & margin
P/E ratio
21.8×
CHOLAFIN is 18% above the sector median of 18.4×
CHOLAFIN21.8×
Sector median18.4×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,623 | 5,007 | 5,410 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 | 9,271 | |
| Interest | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | 4,007 | 4,334 | |
| Expenses | 1,391 | 1,412 | 1,417 | 1,727 | 1,897 | 2,038 | 2,010 | 2,286 | 2,460 | 2,554 | 2,597 | 2,652 | 2,790 | |
| Financing Profit | 1,028 | 1,155 | 1,414 | 1,289 | 1,300 | 1,420 | 1,671 | 1,512 | 1,514 | 1,698 | 2,067 | 2,197 | 2,147 | |
| Financing Margin % | 22% | 23% | 26% | 22% | 21% | 21% | 24% | 21% | 20% | 22% | 25% | 25% | 23% | |
| Other Income | 73 | 47 | 105 | 45 | 68 | 105 | 92 | 87 | 123 | 111 | 148 | 102 | 125 | |
| Depreciation | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | 75 | 83 | |
| Profit before tax | 1,062 | 1,156 | 1,444 | 1,275 | 1,305 | 1,466 | 1,699 | 1,532 | 1,566 | 1,736 | 2,143 | 2,224 | 2,188 | |
| Tax % | 27% | 25% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% | 26% | 26% | |
| Net Profit | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 | 1,630 | |
| EPS in Rs | 9.40 | 10.39 | 12.68 | 11.27 | 11.52 | 12.94 | 14.98 | 13.53 | 13.78 | 15.28 | 19.31 | 19.43 | 19.08 | |
| 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 +0.59% · closed higher next day 37 of last 64
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | Q2FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 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 | 28 Oct '26 |
| Earnings day | −1.12% | +9.08% | +1.59% | −6.69% | −1.58% | −1.15% | −1.43% | +1.22% | −2.29% | +0.62% | +2.85% | +3.82% |
| +1 day | −2.46% | +9.75% | +0.49% | −5.82% | +4.03% | −3.82% | +2.00% | +4.22% | +3.85% | +5.55% | +1.19% | +2.64% |
| +5 days | −8.70% | +2.45% | −4.54% | −6.50% | +7.33% | −0.84% | +0.55% | +1.85% | +8.49% | +7.78% | +7.24% | — |
| +15 days | −8.95% | +7.20% | −1.64% | −12.19% | +7.64% | +4.26% | +4.59% | +3.12% | +3.57% | −0.87% | +6.87% | — |
| +30 days | −14.32% | +20.35% | +6.85% | −2.12% | +17.84% | +6.10% | +9.69% | −2.10% | −6.29% | +6.46% | +4.34% | — |
| 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 Sep 202648.93%Promoter
Promoters48.93%0.30
FIIs24.87%0.41
DIIs20.38%0.24
Public5.82%0.12
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 |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹939.10 | 26.73 | 5,84,679 | 0.58% | 6,367 | +28.53% | 24,546 | +22.79% | 10.87% |
| Shriram Finance | ₹823.15 | 15.27 | 1,93,694 | 1.31% | 3,684 | +59.18% | 13,792 | +15.78% | 11.49% |
| Tata Capital | ₹319.90 | 22.64 | 1,35,793 | 0.18% | 1,832 | +51.27% | 9,342 | +20.74% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,586.00 | 21.78 | 1,35,517 | 0.13% | 1,630 | +40.59% | 9,271 | +23.75% | 9.71% |
| Muthoot Finance | ₹2,408.60 | 7.93 | 96,698 | 1.25% | 3,278 | +34.12% | 9,998 | +37.28% | 15.80% |
| L&T Finance Ltd | ₹244.40 | 17.79 | 61,256 | 1.13% | 973 | +32.70% | 5,484 | +26.49% | 8.40% |
| SBI Cards | ₹525.00 | 19.16 | 49,962 | 0.48% | 778 | +74.83% | 5,141 | +3.62% | 10.10% |
| Median: 104 Co. | ₹130.87 | 18.42 | 496 | 0.00% | 11 | +40.59% | 49 | +26.49% | 9.46% |
Filings
Annual reports15
Concall transcripts71
PPTOct 2026TranscriptAug 2026PPTAug 2026RECAug 2026PPTJul 2026TranscriptMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptDec 2025TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptOct 2024PPTOct 2024RECOct 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 29 Oct - Intimation of allotment of equity shares on exercise of ESOPsAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 28 Oct - Audio recording of 28 October 2026 quarterly earnings call uploaded on company website.Announcement under Regulation 30 (LODR)-Investor Presentation 28 Oct - Enclosed the investor presentation for the quarter ended 30-Sep-2026.Board Meeting Outcome for Outcome Of Board Meeting 28 Oct - Board approved audited Q2/H1 FY2027 results and proposed ₹5,000 crore QIP via postal ballot.Announcement under Regulation 30 (LODR)-Issue of Securities 28 Oct - Cholamandalam approved ₹5,000 crore QIP and released Q2 FY2027 audited standalone and consolidated results.