Cholamandalam Investment and Finance Company Ltd.

₹1,639.7

-3.5 (-0.2%)

CHOLAFIN Share Price

Finance

As on January 27, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryNon Banking Financial Company (NBFC)

Market Cap₹ 1,38,630 Cr

P/E Ratio32.38

Dividend Yield0.06 %

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,644.92	Bearish
10-DMA	1,672.56	Bearish
20-DMA	1,708.43	Bearish
50-DMA	1,702.1	Bearish
100-DMA	1,662.73	Bearish
200-DMA	1,603.99	Bullish

Historical Performance

1 Year

39.5%

3 Years

131%

5 Years

299.4%

10 Years

1216.7%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	3,079	2,824	2,216	919	607
Operating Profit	1,84,808	1,40,341	94,837	73,059	67,257
Interest	1,24,945	92,308	57,480	42,977	45,755
Depreciation	2,448	1,981	1,211	1,006	1,023
Profit Before Tax	57,415	46,053	36,146	29,076	20,479
Consolidated Net Profit	42,627	34,201	26,649	21,535	15,209
Adjusted EPS	51	41	32	26	19

Compounded Sales Growth

10 Years:47.5

5 Years:24.4

3 Years:20.7

TTM:6.4

Compounded Profit Growth

10 Years:57.8

5 Years:32.3

3 Years:14.7

TTM:4.5

Stock Price CAGR

10 Years:29.3

5 Years:32.3

3 Years:32.2

TTM:32.1

Return on Equity

10 Years:7.3

5 Years:18.5

3 Years:32.4

last year:50.6

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	1,682	1,681	1,645	1,643	1,641
Total Reserves	2,32,852	1,92,848	1,40,982	1,15,498	94,013
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	11,78,885	8,70,182	9,00,281	6,45,848	5,84,979
Total Liabilities	20,09,382	15,60,306	11,30,154	8,18,038	7,38,752
Capital Work in Progress	37	---	357	230	---
Total Assets	20,09,382	15,60,306	11,30,154	8,18,038	7,38,752

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a high PE of 32.38, indicating expensive valuation or elevated growth expectations.
Over the last three years, the stock delivered a strong 3-year price CAGR of 32.1%, indicating sustained price appreciation.
The stock carries a high beta of 1.3, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹184638 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹257456 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1320528.3

No. of Shares: 805 (Approx)

Performance:32.1%

P/L: ₹320528.3

NIFTY Performance: 9.7%

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