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CHOLAMANDALAM INVESTMENT & FINANCE COMPANY
Intrinsic Value | Fundamental Analysis

BOM : 511243     NSE : CHOLAFIN    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : None or < 25%
Nov 28,2023
Price(EOD): ₹ 1,106.20
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 92,876.55 Cr
Value of ₹ 1 Lac invested in CHOLAMANDALAM INVESTMENT & FINANCE COMPANY
on Nov 28,2018 (price: ₹ 258.54)

₹ 1 L

₹ 4.28 L

1W : 0.3% 1M : -5.3% 1Y : 52.3%
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for CHOLAMANDALAM INVESTMENT & FINANCE COMPANY
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FUNDAMENTAL ANALYSIS OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY

 
Fundamentals Score
[ Q(TTM): Sep2023, 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 💡 CHOLAFIN is one of the top 35% companies with good fundamentals ! Discover More →

VALUATION OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY

 
Valuation Score
[As on : Nov 28,2023 ]

Ratio Consolidated
P/E
P/B
P/S
30.62
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 3,032.70 Cr
[Latest Qtr - Sep2023 - Consolidated Results ]

6.51
P/B Calculated based on Book Value of Rs 14,262.70 Cr
[Latest Year - Mar2023 - Consolidated Results ]

5.88
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 15,801.90 Cr
[Latest Qtr - Sep2023 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
277%
238%
266%

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SHARE PRICE MOMENTUM OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY



CHOLAMANDALAM INVESTMENT & FINANCE COMPANY vs SENSEX


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DEBT OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY

Year Debt/Equity ratio
Standalone Consolidated
2022
2021
2020
Avg_3yrs
5.94
6.69
6.76
6.46
5.91
6.66
6.73
6.43
[Last Annual Data : Mar2023]
Financial Ratios →

PLEDGED PROMOTER SHARES OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY

Pledged Promoter Shares
0 %
As on : Sep2023

If less than 25%

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

QTRLY RESULTS OF CHOLAMANDALAM INVESTMENT & FINANCE COMPANY

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
13.24%
11.1%
11.43%
8.81%
53.23%
55.54%
39.76%
37.07%
QtrlyTrend
8
Latest Qtr: Sep2023
Quarterly Result Analysis →


CHOLAMANDALAM INVESTMENT & FINANCE COMPANY related INDICES

BSE Indices1W1M1Y
S&P BSE 100 LARGECAP TMC 1.1% 6.1% 8.1%
S&P BSE LARGECAP 1% 6% 7.5%
S&P BSE LARGE MIDCAP 1% 6.7% 11.6%
S&P BSE 200 1% 6.7% 11.3%
S&P BSE 250 LARGEMIDCAP 1% 6.8% 11.8%
NSE Indices1W1M1Y
NIFTY 100 EQUAL WEIGHT 1.5% 8.5% 16%
NIFTY 200 1.1% 6.9% 11.8%
NIFTY 100 1.1% 6.2% 8.3%
NIFTY LARGE MIDCAP 250 1% 8.1% 20.6%
NIFTY 500 1% 7.2% 14.4%

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FAQ about CHOLAMANDALAM INVESTMENT & FINANCE COMPANY


Is CHOLAMANDALAM INVESTMENT & FINANCE COMPANY good for long term investment?

As on Nov 28,2023, the Fundamentals of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY look Strong and hence it may be good for long term investment! See Financial Performance of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY . 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 INVESTMENT & FINANCE COMPANY UnderValued or OverValued?

As on Nov 28,2023, CHOLAMANDALAM INVESTMENT & FINANCE COMPANY is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY ?

As on Nov 28,2023, the Intrinsic Value of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY is Rs. 302.07 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 293.61
Fair Value [Median EV / Sales Model] : Rs. 327.52
Fair Value [Median Price / Sales Model] : Rs. 302.07
Estimated Median Fair Value of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY : Rs. 302.07

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 INVESTMENT & FINANCE COMPANY trading at a Premium or Discount?

As on Nov 28,2023, CHOLAMANDALAM INVESTMENT & FINANCE COMPANY is trading at a Premium of 266% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].