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CHOLAMANDALAM FINANCIAL HOLDINGS
Intrinsic Value | Fundamental Analysis

BOM : 504973     NSE : CHOLAHLDNG    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Good [Stock is Cheap]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : None or < 25%
Mar 18,2024
Price(EOD): ₹ 1,026.50
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - Investment
MCap: ₹ 19,277.67 Cr
Value of ₹ 1 Lac invested in CHOLAMANDALAM FINANCIAL HOLDINGS
on Mar 18,2019 (price: ₹ 485.50)

₹ 1 L

₹ 2.11 L

1W : -5.4% 1M : -4.3% 1Y : 85.8%
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CHOLAMANDALAM FINANCIAL HOLDINGS is part of below Screeners ↓
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CHOLAMANDALAM FINANCIAL HOLDINGS -5.4% -4.3% 85.8%
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JM FINANCIAL -3% -25.9% 22.3%
RELIGARE ENTERPRISES -2.4% -9.7% 40.1%
JSW HOLDINGS -2.8% 5.1% 68.6%
AUTHUM INVESTMENT & INFRASTRUCTURE 3.5% -6.7% 277.9%

FUNDAMENTAL ANALYSIS OF CHOLAMANDALAM FINANCIAL HOLDINGS

 
Fundamentals Score
[ Q(TTM): Dec2023, Y: Mar2023
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]

Insights 💡 CHOLAHLDNG is one of the top 35% companies with good fundamentals ! Discover More →

VALUATION OF CHOLAMANDALAM FINANCIAL HOLDINGS

 
Valuation Score
[As on : Mar 18,2024 ]

Ratio Consolidated
P/E
P/B
P/S
5.34
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 3,612.22 Cr
[Latest Qtr - Dec2023 - Consolidated Results ]

2.54
P/B Calculated based on Book Value of Rs 7,578.80 Cr
[Latest Year - Mar2023 - Consolidated Results ]

0.81
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 23,906.10 Cr
[Latest Qtr - Dec2023 - Consolidated Results ]

Financial Ratios →

Insights 💡 CHOLAHLDNG is one of the potential top 16% undervalued companies ! Discover More →

FAIR VALUE OF CHOLAMANDALAM FINANCIAL HOLDINGS

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
-8%
-56%
-45%

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SHARE PRICE MOMENTUM OF CHOLAMANDALAM FINANCIAL HOLDINGS



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DEBT OF CHOLAMANDALAM FINANCIAL HOLDINGS

Year Debt/Equity ratio
Standalone Consolidated
2023
2022
2021
Avg_3yrs
0.04
0.08
0.13
0.08
12.82
10.83
11.92
11.86
[Last Annual Data : Mar2023]
Financial Ratios →

PLEDGED PROMOTER SHARES OF CHOLAMANDALAM FINANCIAL HOLDINGS

Pledged Promoter Shares
0.02 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF CHOLAMANDALAM FINANCIAL HOLDINGS

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
7.86%
12.08%
12.1%
15.18%
43.81%
51.74%
40.21%
42.05%
QtrlyTrend
8
Latest Qtr: Dec2023
Quarterly Result Analysis →


CHOLAMANDALAM FINANCIAL HOLDINGS related INDICES

BSE Indices1W1M1Y
S&P BSE FINANCE -1.9% -0.7% 17.4%
S&P BSE 500 -2.2% -0.9% 36.5%
S&P BSE ALLCAP -2.3% -1.4% 38%
S&P BSE DIVERSIFIED FINL. REV. -2.6% -1.2% 30.3%
S&P BSE 400 MIDSMALLCAP -3.8% -4.8% 50.6%
NSE Indices1W1M1Y
NIFTY 500 -2.2% -1% 37.3%
NIFTY500 MULTICAP 50:25:25 -2.8% -2.6% 43%
NIFTY MID SMALL400 -4% -5.3% 52.8%
NIFTY SMALLCAP250 -4.3% -7.5% 55.6%

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FAQ about CHOLAMANDALAM FINANCIAL HOLDINGS


Is CHOLAMANDALAM FINANCIAL HOLDINGS good for long term investment?

As on Mar 18,2024, the Fundamentals of CHOLAMANDALAM FINANCIAL HOLDINGS look Strong and hence it may be good for long term investment! See Financial Performance of CHOLAMANDALAM FINANCIAL HOLDINGS . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is CHOLAMANDALAM FINANCIAL HOLDINGS UnderValued or OverValued?

As on Mar 18,2024, CHOLAMANDALAM FINANCIAL HOLDINGS is Under Valued based on the estimates of intrinsic value and hence may be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of CHOLAMANDALAM FINANCIAL HOLDINGS ?

As on Mar 18,2024, the Intrinsic Value of CHOLAMANDALAM FINANCIAL HOLDINGS is Rs. 1,859.12 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 1,115.52
Fair Value [Median EV / Sales Model] : Rs. 2,309.32
Fair Value [Median Price / Sales Model] : Rs. 1,859.12
Estimated Median Fair Value of CHOLAMANDALAM FINANCIAL HOLDINGS : Rs. 1,859.12

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is CHOLAMANDALAM FINANCIAL HOLDINGS trading at a Premium or Discount?

As on Mar 18,2024, CHOLAMANDALAM FINANCIAL HOLDINGS is trading at a Discount of -45% based on the estimates of Median Intrinsic Value!