Cholamandalam Financial Holdings Ltd.

₹1,636.3

24.5 (1.5%)

CHOLAHLDNG Share Price

Finance

As on January 28, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryInvestment Company

Market Cap₹ 30,568 Cr

P/E Ratio14.14

Dividend Yield0.08 %

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,632.52	Bullish
10-DMA	1,701.57	Bearish
20-DMA	1,781.51	Bearish
50-DMA	1,837.34	Bearish
100-DMA	1,865.77	Bearish
200-DMA	1,894.8	Bearish

Historical Performance

1 Year

14.2%

3 Years

176.9%

5 Years

216.6%

10 Years

294.2%

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	3,936	3,052	2,442	1,831	608
Operating Profit	1,91,893	1,46,968	97,785	75,256	71,536
Interest	1,24,941	92,495	57,780	43,279	46,078
Depreciation	2,957	2,475	1,761	1,542	1,455
Profit Before Tax	63,996	51,998	38,244	30,436	24,003
Consolidated Net Profit	21,737	17,725	12,902	10,231	8,246
Adjusted EPS	116	94	69	55	44

Compounded Sales Growth

10 Years:27.1

5 Years:20.2

3 Years:17.7

TTM:5.1

Compounded Profit Growth

10 Years:38.6

5 Years:31.6

3 Years:16.3

TTM:4.2

Stock Price CAGR

10 Years:14.7

5 Years:26.8

3 Years:40.4

TTM:8.8

Return on Equity

10 Years:55.7

5 Years:43.9

3 Years:68.7

last year:115.7

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	188	188	188	188	188
Total Reserves	1,23,944	1,01,540	75,600	63,736	53,343
Minority Interest	1,44,338	1,18,823	85,974	71,831	59,728
Total Non-Current Liabilities	13,30,033	10,09,363	7,98,123	6,26,058	5,50,471
Total Liabilities	22,36,874	17,60,932	13,01,360	9,69,023	8,76,422
Capital Work in Progress	37	---	357	261	---
Total Assets	22,36,874	17,60,932	13,01,360	9,69,023	8,76,422

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 14.14, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a strong 3-year price CAGR of 40.5%, indicating sustained price appreciation.
The stock carries a high beta of 1.4, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹191893 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹331253 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1088146.3

No. of Shares: 665 (Approx)

Performance:8.8%

P/L: ₹88146.3

NIFTY Performance: 9.4%

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