Cholamandalam Financial Holdings
- Market cap
- ₹ 24,082 Cr.
- P/E
- 9.2x
- P/B
- 1.6x
- 52-week range
- 1,236.7 – 2,064
- ROE
- 17%
- Dividend yield
- 0.1%
- Debt / equity
- 13.66
- Sector
- Finance
- Industry
- Investment Company
- Listed on
- NSE, BSE
About
Cholamandalam Financial Holdings Limited is a core investment company and all the activities of the Company revolve around the main business in India. The Company holds investments in financial services/risk management companies, which include Cholamandalam Investment and Finance Company Limited (CIFCL), Cholamandalam MS General Insurance Company Limited (CMSGICL) and Cholamandalam MS Risk Services Limited (CMSRSL). CIFCL is a non-banking finance company engaged in lending business offering vehicle finance, home loans, loans against property, SME loans, secured business and personal loans, consumer & small enterprises loans and a variety of other financial services to customers. CMSGICL is engaged in the general insurance business offering a range of insurance products that include motor, health, property, accident, engineering, liability, marine, travel and crop insurance for individuals and corporates. CMSRSL offers comprehensive risk management and engineering solutions.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Investment Company: 66 companies →Cholamandalam Financial Holdings against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)9.2 against a typical 40.7: cheaper than most peers (1st = cheapest).14th of 66
- Sales growth+19.6% against a typical +16.7% from a year earlier.27th of 55
- Profit growth+42% against a typical 0% from a year earlier.14th of 50
- Share price, 3 months−13.9% against a typical −10.3%.43rd of 66
- Size₹ 24,081.9 Cr. market value against a typical ₹ 171.2 Cr. (1st = largest).4th of 61
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA+ by India Ratings- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| India Ratings | IND AA+ | Stable | 12 Mar 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 12 Mar 2026 | Reaffirmed | IND AA+ | — | India Ratings | ₹ 200 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 6 Nov 2026Upcoming | Financial Results | To consider and approve the un-audited financial results for the quarter and half-year ended September 30, 2026 |
| 14 Aug 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 8 May 2026 | Dividend | To consider dividend |
| 9 Feb 2026 | Financial Results | To consider and approve the financial results for the period ended December 31, 2025 |
| 7 Nov 2025 | Financial Results | To consider and approve the un-audited financial results for the quarter ended September 30, 2025 |
| 8 Aug 2025 | Financial Results | CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED has informed the Exchange about Board Meeting to be held on 08-AUG-2025 to inter-alia consider and approve the Unaudited Financial results of the Company for the Quarter ended June 2025 |
| 9 May 2025 | Financial Results | To consider and approve the financial results for the period ended March 31, 2025 |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,317 | 6,795 | 7,066 | 7,633 | 8,090 | 8,489 | 8,913 | 9,296 | 9,461 | 9,949 | 10,366 | 11,114 |
| Interest | 2,209 | 2,445 | 2,582 | 2,796 | 3,058 | 3,280 | 3,361 | 3,468 | 3,518 | 3,648 | 3,755 | 4,007 |
| Expenses | 2,898 | 2,978 | 2,932 | 3,253 | 3,537 | 3,772 | 3,709 | 4,142 | 4,359 | 4,487 | 4,541 | 4,721 |
| Financing Profit | 1,210 | 1,371 | 1,552 | 1,584 | 1,496 | 1,438 | 1,843 | 1,687 | 1,585 | 1,814 | 2,070 | 2,385 |
| Financing Margin % | 19% | 20% | 22% | 21% | 18% | 17% | 21% | 18% | 17% | 18% | 20% | 21% |
| Other Income | 55 | 48 | 110 | 45 | 91 | 106 | 98 | 88 | 130 | 137 | 156 | 103 |
| Depreciation | 52 | 55 | 88 | 70 | 74 | 72 | 79 | 79 | 83 | 87 | 84 | 87 |
| Profit before tax | 1,213 | 1,363 | 1,574 | 1,559 | 1,513 | 1,471 | 1,862 | 1,696 | 1,632 | 1,863 | 2,142 | 2,400 |
| Tax % | 27% | 25% | 27% | 26% | 26% | 26% | 27% | 26% | 26% | 26% | 24% | 25% |
| Net Profit | 888 | 1,027 | 1,144 | 1,160 | 1,125 | 1,093 | 1,362 | 1,260 | 1,214 | 1,386 | 1,626 | 1,789 |
| EPS in Rs | 22.41 | 24.88 | 27.32 | 29.2 | 27.99 | 25.89 | 32.68 | 30.81 | 29.29 | 33.32 | 36.59 | 42.92 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 17%
- 5 Years
- 23%
- 3 Years
- 29%
- TTM
- 18%
- 10 Years
- 15%
- 5 Years
- 24%
- 3 Years
- 24%
- TTM
- 21%
- 10 Years
- 16%
- 5 Years
- 19%
- 3 Years
- 19%
- TTM
- —
- 10 Years
- 18%
- 5 Years
- 18%
- 3 Years
- 19%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Cholamandalam Financial Holdings | ₹ 1,307.00 | ₹ 24,082 Cr. | 9.2x | 1.6x | 17% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Shyam Shankar
- Chief Financial Officer, Manager
- Elanjezhian Krithika
- Compliance Officer, Company Secretary
Prices are delayed and for information only. Nothing on this page is investment advice.