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Cholamandalam Investment & Finance Company Ltd share price logo

Cholamandalam Investment & Finance Company Ltd

(CHOLAFIN)

₹1204.92.52%

as on 04:01PM, 21 Nov 2024

🔔 Fundraising Alert

Cholamandalam Investment and Finance Co. raised Rs 1,100 crore through bonds maturing in 10 years at a coupon of 8.50%.

Overview
News
Financials
Q2 2024 Results
Technicals
F&O

Cholamandalam Investment & Finance Company Ltd Analyst Rating

based on 33 analysts

BUY

78.12%

Buy

15.62%

Hold

6.25%

Sell

Based on 33 analysts offering long term price targets for Cholamandalam Investment & Finance Company Ltd. An average target of ₹1528

Source: S&P Global Market Intelligence

Cholamandalam Investment & Finance Company Ltd Share analysis

Cholamandalam Investment & Finance Company Ltd price forecast by 33 analysts

Upside of23.62%

High

₹1850

Target

₹1528.00

Low

₹1089

Cholamandalam Investment & Finance Company Ltd target price ₹1528, a slight upside of 23.62% compared to current price of ₹1204.9. According to 33 analysts rating.

Source: S&P Global Market Intelligence

Cholamandalam Investment & Finance Company Ltd Performance

  • Day's Low

    Day's High

    ₹1,202.5
    ₹1,236
  • 52 Week's Low

    52 Week's High

    ₹1,011.2
    ₹1,652
1 Month Return-14.09 %
3 Month Return-11.74 %
1 Year Return+ 11.97 %
Previous Close₹1,236.00
Open₹1,230.50
Volume22.25L
Upper Circuit-
Lower Circuit-
Market Cap₹1,03,878.67Cr

Cholamandalam Investment & Finance Company Ltd Key Statistics

P/E Ratio26.95
PEG Ratio2.96
Market Cap₹1,03,878.67 Cr
P/B Ratio4.97
EPS40.59
Dividend Yield0.17
SectorFinance
ROE20.22

Cholamandalam Investment & Finance Company Ltd Peer Comparison

Company
Analyst ViewMarket Cap5 Year CAGRDebt to Asset RatioNet ProfitYearly Revenue
BUY₹1,03,878.67 Cr57.97%0.94₹3,410 Cr₹19,163 Cr
BUY₹4,08,246.74 Cr11.99%0.88₹14,451 Cr₹54,971 Cr
HOLD₹51,845.96 Cr-9.57%0.51-₹1,423 Cr₹9,977 Cr
BUY₹76,135.62 Cr35.2%0.85₹4,467 Cr₹15,061 Cr
BUY₹2,54,883.15 Cr15.26%0.50₹15,595 Cr₹1,10,382 Cr

About Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment and Finance Company (CIFCL) is a comprehensive financial services provider offering a variety of services such as vehicle finance, home loans, SME loans, consumer and small enterprise loan, loan against property, insurance agency, home equity loans, secured business and personal loan, wealth management, stock broking, mutual fund distribution and others across 1145 branches in India. It has achieved the assets under management of above Rs. 82000 crore. CIFCL entered into an MOU with VE Commercial Vehicles Ltd, a joint venture between the Volvo Group and Eicher Motors Ltd., to finance Eicher Heavy Duty Trucks and Buses. In the last one year, it took strategic initiatives to strengthen the position to be a strong NBFC and exited the asset management business. In FY 2021 home loans were offered across 9 states including Tamil Nadu, Andhra Pradesh, Karnataka, Madhya Pradesh, Kerala, Gujarat, Maharashtra, Rajasthan and Chhattisgarh. Through strategic partnerships, it entered the fintech space and launched Consumer and Small Enterprise Loan (CSEL), Secured Business and Personal Loan (SBPL) and SME Loans. It also made investment of Rs. 450 crores to acquire 73.8% of the Payswiff Technologies Private Limited (PTPL) and 16.29% of the equity share capital of Paytail Commerce Private Limited. In FY 2022 Home Loans were offered across 11 states including Tamil Nadu, Andhra Pradesh, Karnataka, Kerala, Haryana, Gujarat, Maharashtra, Rajasthan, Telangana Madhya Pradesh and Chhattisgarh.

Share Price: ₹1204.90 per share as on 21 Nov, 2024 04:01 PM
Market Capitalisation: ₹1,03,878.67Cr as of today
Revenue: ₹6,323.01Cr as on September 2024 (Q3 24)
Net Profit: ₹967.80Cr as on September 2024 (Q3 24)
Listing date: 12 Jul, 1995
Chairperson Name: Vellayan Subbiah
OrganisationCholamandalam Investment & Finance Company Ltd
Headquarters
IndustryFinance
E-voting on sharesClick here to vote

What's happening today

  • img

    Today's Timeline - 21 Nov

    11:52 AM

    -

    Cholamandalam Investment's market cap declines by Rs 1,998 crore, closing at Rs 1,212 amid broader market volatility.

    01:03 PM

    -

    Cholamandalam raises Rs 1,100 crore through 10-year bonds at an 8.50% coupon, with LIC absorbing Rs 650-700 crore.

Key events for Cholamandalam Investment & Finance Company Ltd

  • Cholamandalam Faces Market Cap Decline Amid Bond Issue - 21 Nov, 2024

    Cholamandalam Investment and Finance Company experienced a market cap decline of Rs 1,998 crore, closing at Rs 1,212. The company also raised Rs 1,100 crore through bonds, with significant participation from LIC.

  • Cholamandalam Shares Surge Amid Market Activity - 18 Nov, 2024

    Cholamandalam Investment & Finance Company shares rose 2.45% to Rs 1,236.05, but technical indicators suggest a bearish trend. Later, the market cap surged by Rs 3,154 crore, closing at Rs 1,243.20, indicating strong performance in the non-banking financial sector.

  • Chola Fin Reports Modest Growth in Q2 2024 - 12 Nov, 2024

    Cholamandalam Investment & Finance Company Ltd reported a 0.31% increase in net sales to Rs 29.13 crore for September 2024. Net profit rose 1.42% to Rs 23.52 crore, while EBITDA slightly decreased by 0.21%. The EPS improved to Rs 1.25. The stock has shown strong performance with a 50.87% return over the last six months.

  • Chola Fin Reports Strong Growth in Q2 FY2024 - 11 Nov, 2024

    Cholamandalam Investment & Finance Company Ltd reported a 28.42% increase in net sales to Rs 8,090.16 crore for September 2024. Net profit rose 24.86% to Rs 525.54 crore, while EBITDA increased by 33.54%. The EPS also improved to Rs 27.99. The stock has delivered significant returns of 53.77% over the last six months.

  • Cholamandalam Reports Strong Q2 Earnings Growth - 08 Nov, 2024

    Cholamandalam Financial Holdings Limited reported significant growth in Q2 FY25, with revenue of ₹81,801.5 million and net income of ₹5,255.4 million, reflecting strong performance.

  • Cholamandalam Faces Market Drop Amid Strong Performance - 07 Nov, 2024

    Cholamandalam Investment's shares declined by 2.19%, leading to a market cap loss of ₹2,351 crore. Despite this, the company outperformed Bajaj Finserv in growth and financial metrics, indicating strong underlying performance.

  • Cholamandalam Reports Earnings and Diversification Strategy - 05 Nov, 2024

    Cholamandalam Investment and Finance Company focuses on diversification into mortgage and consumer lending, achieving a 13% rise in disbursements. Despite vehicle finance challenges, the company reported net earnings of Rs. 963 crore and maintains a BUY rating with a target price of Rs. 1,600.

  • Cholamandalam Investment Reports Strong Q2 Performance - 30 Oct, 2024

    Cholamandalam Investment and Finance Company reported a healthy Q2FY25 with a 34.6% YoY growth in Net Interest Income. Despite slight asset quality concerns, the company maintains a positive outlook for H2FY25. The target price is revised to Rs 1,531, with a BUY rating reiterated.

  • Cholamandalam Investment Reports Strong Quarterly Performance - 29 Oct, 2024

    Cholamandalam Investment & Finance Company reported a 25% y/y net profit increase, driven by robust NII growth. The stock is viewed as a long-term play despite premium valuations.

  • Cholamandalam Finance Reports Strong Q2 Earnings - 28 Oct, 2024

    Cholamandalam Finance announced a robust profit after tax of Rs 967.80 crore for Q2 FY25, reflecting strong growth in disbursements and total assets under management.

  • Cholamandalam Investment Reports Strong Q2 Earnings - 25 Oct, 2024

    Cholamandalam Investment & Finance Company reported a 26% rise in Q2 net profit to ₹963 crore, with significant growth in interest income and total revenue. The company also noted a 13% increase in disbursements year-on-year, reflecting robust performance across various loan segments.

Insights on Cholamandalam Investment & Finance Company Ltd

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 14 quarters, 2.48K Cr → 6.32K Cr (in ₹), with an average increase of 6.9% per quarter

  • imgPOSITIVE IMPACT

    MF Holding Up

    img

    Mutual Funds have increased holdings from 14.23% to 14.25% in Sep 2024 quarter

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 2 quarters, 947.15 Cr → 967.8 Cr (in ₹), with an average increase of 2.1% per quarter

  • imgPOSITIVE IMPACT

    FII Holding Up

    img

    Foreign Institutions have increased holdings from 26.62% to 27.18% in Sep 2024 quarter

  • imgPOSITIVE IMPACT

    Best in 3 Years

    img

    In the last 3 years, CHOLAFIN has outperformed top 5 stocks with highest market-cap in Consumer Lending

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Muthoot Finance Ltd has given 42.7% return, outperforming this stock by 30.7%

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 1 month, CHOLAFIN stock has moved down by -14.1%

  • imgNEGATIVE IMPACT

    Retail Holding Down

    img

    Retail Investor have decreased holdings from 6.19% to 6.01% in Sep 2024 quarter

  • imgNEGATIVE IMPACT

    Promoter Holding Down

    img

    Promoters have decreased holdings from 50.33% to 50.24% in Sep 2024 quarter

Cholamandalam Investment & Finance Company Ltd Financials

Value in ₹ crore
DetailsQ'3 23Q'4 23Q'1 24Q'2 24Q'3 24
Revenue₹4,695.16Cr (-)₹5,054.76Cr (↑7.66%)₹5,515.37Cr (↑9.11%)₹5,857.28Cr (↑6.20%)₹6,323.01Cr (↑7.95%)
Net Income₹772.87Cr (-)₹872.02Cr (↑12.83%)₹1,065.23Cr (↑22.16%)₹947.15Cr (↓11.08%)₹967.80Cr (↑2.18%)
Net Profit Margin16.46% (-)17.25% (↑4.80%)19.31% (↑11.94%)16.17% (↓16.26%)15.31% (↓5.32%)
Value in ₹ crore
Details2021202220232024
Total Assets₹74,551.03Cr (-)₹82,366.45Cr (↑10.48%)₹1,13,533.34Cr (↑37.84%)₹1,56,482.59Cr (↑37.83%)
Total Liabilities₹64,990.72Cr (-)₹70,658.77Cr (↑8.72%)₹99,237.29Cr (↑40.45%)₹1,36,926.08Cr (↑37.98%)
Value in ₹ crore
Details20202021202220232024
Operating Cash Flow-₹2,086.22Cr (-)-₹8,857.04Cr (↑324.55%)-₹5,607.52Cr (↓36.69%)-₹27,036.89Cr (↑382.15%)-₹35,767.52Cr (↑32.29%)

Index Inclusions

DFRGRI Indices

₹1,395.72

-0.59 (-8.3%)

S&P BSE Largecap

₹9,050.93

-0.97 (-89.06%)

BSE 500

₹34,361.41

-0.84 (-289.42%)

S&P BSE Fin. Ser

₹11,180.30

-0.65 (-73.2%)

S&P BSE SEN. N50

₹78,852.09

-1.05 (-834.81%)

BSE 100

₹24,662.39

-0.76 (-189.82%)

Nifty100 Eq Weig

₹30,708.85

-1.79 (-558.25%)

NIFTY 100

₹24,135.10

-0.98 (-239.6%)

S&P BSE 250 LargeMidCap

₹10,169.78

-0.85 (-87.03%)

Nifty LargeMidcap 250

₹15,236.40

-0.68 (-104.3%)

Nifty 200

₹13,129.70

-0.87 (-115.1%)

S&P BSE 100 LargeCap TMC

₹8,695.60

-0.97 (-85.24%)

Nifty Next 50

₹66,765.45

-1.49 (-1010.05%)

Nifty Financial

₹23,273.45

-0.55 (-129.6%)

S&P BSE Dividend Stability

₹985.87

-0.9 (-9%)

Nifty 500

₹21,820.85

-0.83 (-183.5%)

BSE 200

₹10,722.03

-0.87 (-93.59%)

S&P BSE AllCap

₹10,471.31

0.68 (71.07%)

Cholamandalam Investment & Finance Company Ltd Shareholding Pattern

InvestorsHoldings %FY Quarter3M change
Promoter Holdings
50.24%
-0.18
Foreign Institutions
27.18%
2.08
Mutual Funds
14.25%
0.13
Retail Investors
6.01%
-2.85
Others
2.33%
-11.48

Cholamandalam Investment & Finance Company Ltd Key Indicators

Details20202021202220232024
Book Value Per Share (₹)100.01117.02143.28174.44233.15
Details20202021202220232024
Earning Per Share (₹)12.8618.5526.2832.5540.59
Details20202021202220232024
Return On Equity %14.6717.0920.1920.5120.22
Details20202021202220232024
Return On Assets %1.652.042.612.352.19

Cholamandalam Investment & Finance Company Ltd Valuation

Cholamandalam Investment & Finance Company Ltd in the last 5 years

  • Overview

  • Trends

Lowest (9.06x)

May 26, 2020

Industry (25.64x)

November 19, 2024

Today (26.95x)

November 19, 2024

Highest (50.04x)

May 31, 2019

LowHigh

Cholamandalam Investment & Finance Company Ltd Earnings and Dividends

  • Cholamandalam Investment & Finance Company Ltd Earnings Results

    Cholamandalam Investment & Finance Company Ltd’s net profit jumped 25.22% since last year same period to ₹967.80Cr in the Q2 2024-2025. On a quarterly growth basis, Cholamandalam Investment & Finance Company Ltd has generated 2.18% jump in its net profits since last 3-months.

    Read More about Earnings Results
  • Cholamandalam Investment & Finance Company Ltd Dividends April,2024

    In the quarter ending March 2024, Cholamandalam Investment & Finance Company Ltd has declared dividend of ₹0.70 - translating a dividend yield of 0.22%.

    Read More about Dividends

Cholamandalam Investment & Finance Company Ltd Technicals Summary

Bearish

Neutral

Bullish

Bearish

Cholamandalam Investment & Finance Company Ltd is currently in a Bearish trading position according to technical analysis indicators.

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Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) share price today is ₹1204.9

Cholamandalam Investment & Finance Company Ltd is listed on NSE

Cholamandalam Investment & Finance Company Ltd is listed on BSE

  • Today’s highest price of Cholamandalam Investment & Finance Company Ltd is ₹1236.
  • Today’s lowest price of Cholamandalam Investment & Finance Company Ltd is ₹1202.5.

PE Ratio of Cholamandalam Investment & Finance Company Ltd is 26.95

PE ratio = Cholamandalam Investment & Finance Company Ltd Market price per share / Cholamandalam Investment & Finance Company Ltd Earnings per share

Today’s traded volume of Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) is 22.25L.

Today’s market capitalisation of Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) is ₹103878.67Cr.

Cholamandalam Investment & Finance Company Ltd(CHOLAFINPrice
52 Week High
₹1652
52 Week Low
₹1011.2

Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) share price is ₹1204.9. It is down -27.06% from its 52 Week High price of ₹1652

Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) share price is ₹1204.9. It is up 19.16% from its 52 Week Low price of ₹1011.2

Cholamandalam Investment & Finance Company Ltd(CHOLAFINReturns
1 Day Returns
-31.1%
1 Month Returns
-14.09%
3 Month Returns
-11.74%
1 Year Returns
11.97%