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CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
Intrinsic Value | Fundamental Analysis

BOM : 511243     NSE : CHOLAFIN    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Average [Stock is fairly valued]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
Jun 06,2025
Price(EOD): ₹ 1,593.65
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 134,041.90 Cr
Value of ₹ 1 Lac invested in CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
on Jun 08,2020 (price: ₹ 146.65)

₹ 1 L

₹ 10.87 L

1W : 0.9% 1M : 4.2% 1Y : 17.5%
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SUNDARAM FINANCE -2.1% 1.5% 12.8%
INDIAN RENEWABLE ENERGY DEVELOPMENT AGENCY -0.2% 10.2% -8%

FUNDAMENTAL ANALYSIS OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY

 
Fundamentals Score
[ Q(TTM): Mar2025, Y: Mar2024
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 37% companies with good fundamentals ! Discover More →

VALUATION OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY

 
Valuation Score
[As on : Jun 06,2025 ]

Ratio Consolidated
P/E
P/B
P/S
31.47
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 4,260.00 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

6.89
P/B Calculated based on Book Value of Rs 19,452.90 Cr
[Latest Year - Mar2024 - Consolidated Results ]

5.19
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 25,846.00 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

Financial Ratios →

Insights 💡 There are potential 17% undervalued companies ! Discover More →

FAIR VALUE OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
-8%
27%

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SHARE PRICE MOMENTUM OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY



CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY vs SENSEX


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DEBT OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY

Year Debt/Equity ratio
Standalone Consolidated
2024
2023
2022
Avg_3yrs
6.93
6.85
5.94
6.57
6.91
6.83
5.91
6.55
[Last Annual Data : Mar2024]
Financial Ratios →

PLEDGED PROMOTER SHARES OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY

Pledged Promoter Shares
0 %
As on : Mar2025

If less than 25%

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

QTRLY RESULTS OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
4.64%
7.26%
15.95%
15.82%
30.23%
26.1%
18.92%
20.03%
QtrlyTrend
8
Latest Qtr: Mar2025
Quarterly Result Analysis →


CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY related INDICES

BSE Indices1W1M1Y
BSE ALLCAP 6.4% 8.9% 7.5%
BSE LARGEMIDCAP 4.5% 7.2% 8.3%
BSE DIVERSIFIED FINANCIALS REVENUE GROWTH INDEX 3.1% 7.9% 24.5%
BSE SENSEX NEXT 50 2% 5.8% 11.6%
BSE FINANCIAL SERVICES 1.8% 5% 19.2%
NSE Indices1W1M1Y
NIFTY200 ALPHA 30 4.1% 7.4% -1.5%
NIFTY FINANCIAL SERVICES EX-BANK 3.8% 9.8% 32.6%
NIFTY100 ALPHA 30 2.4% 4.9% -5.7%
NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX 2.2% 8.1% NA
NIFTY 500 EQUAL WEIGHT 2.1% 10.7% NA

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FAQ about CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY


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

As on Jun 06,2025, the Fundamentals of CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY look Strong and hence it may be good for long term investment! See Financial Performance of CHOLAMANDALAM INVESTMENT AND 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 AND FINANCE COMPANY UnderValued or OverValued?

As on Jun 06,2025, CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY is Fairly Valued based on the estimates of intrinsic value and investors may wait for the buying opportunity once it becomes under valued!

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

As on Jun 06,2025, the Intrinsic Value of CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY is Rs. 1,489.99 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -202.41
Fair Value [Median EV / Sales Model] : Rs. 1,723.56
Fair Value [Median Price / Sales Model] : Rs. 1,256.41
Estimated Median Fair Value of CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY : Rs. 1,489.99

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 AND FINANCE COMPANY trading at a Premium or Discount?

As on Jun 06,2025, CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY is trading at a Premium of 7% based on the estimates of Median Intrinsic Value!