CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
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| 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 : Mild Upward Pledged Shares : None or < 25% |
Dec 15,2025 |
|
Price(EOD): ₹ 1,734.25
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
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Finance - NBFC |
| MCap: ₹ 146,353.36 Cr | |
| Industry Peers & Returns | 1W | 1M | 1Y |
| CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY | 0.2% | 1.2% | 28.7% |
| BAJAJ FINANCE | -0.4% | -0.5% | 43% |
| JIO FINANCIAL SERVICES | 2.1% | -4.9% | -12.3% |
| BAJAJ HOLDINGS & INVESTMENT | -0.2% | -12% | -2.3% |
| SHRIRAM FINANCE | 1% | 5.6% | 30.6% |
| MUTHOOT FINANCE | 3.1% | 3.5% | 85.7% |
| SBI CARDS AND PAYMENT SERVICES | 0.6% | -0.6% | 19.6% |
| SUNDARAM FINANCE | 1.7% | 1.8% | 9.9% |
| INDIAN RENEWABLE ENERGY DEVELOPMENT AGENCY | 0.7% | -9.4% | -39.6% |
FUNDAMENTAL ANALYSIS OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
[ Q(TTM): Sep2025, Y: Mar2025
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
]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
VALUATION OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
[As on : Dec 15,2025
]
| Ratio | Consolidated | |
|---|---|---|
|
P/E P/B P/S |
31.53
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 4,641.70 Cr
[Latest Qtr - Sep2025 - Consolidated Results ] 6.24
P/B Calculated based on Book Value of Rs 23,453.50 Cr
[Latest Year - Mar2025 - Consolidated Results ] 5.13
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 28,536.70 Cr
[Latest Qtr - Sep2025 - Consolidated Results ] |
|
| Financial Ratios → | ||
| Model | Discount(-)/ Premium(+) |
|---|---|
|
EV/EBIDTA EV/Sales Price/Sales |
NA 7% 47% |
SHARE PRICE MOMENTUM OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY vs SENSEX
DEBT OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
| Year | Debt/Equity ratio | |
|---|---|---|
| Standalone | Consolidated | |
|
2025 2024 2023 Avg_3yrs |
7.47 6.93 6.85 7.08 |
7.46 6.91 6.83 7.07 |
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[Last Annual Data : Mar2025]
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| Financial Ratios → | ||
PLEDGED PROMOTER SHARES OF CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
| Pledged Promoter Shares |
0 % | |
|---|---|---|
| As on : Sep2025 | ||
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 |
3.09% 1.01% 2.18% 1.87% |
19.76% 15.44% 19.97% 19.77% |
| QtrlyTrend |
8 | |
| Latest Qtr: Sep2025 | ||
| Quarterly Result Analysis → | ||
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE ALLCAP | 6.4% | 8.9% | 7.5% |
| BSE LARGEMIDCAP | 4.5% | 7.2% | 8.3% |
| BSE SENSEX NEXT 50 | 1.5% | 0.1% | 1.1% |
| BSE 200 EQUAL WEIGHT | 1.4% | -1.1% | 0.7% |
| BSE DIVERSIFIED FINANCIALS REVENUE GROWTH INDEX | 1% | 0.6% | 13.9% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY NEXT 50 | 2% | -1.8% | -6.1% |
| NIFTY 500 EQUAL WEIGHT | 1.8% | -2.5% | -4.7% |
| NIFTY100 EQUAL WEIGHT | 1.4% | -1% | 2.5% |
| NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX | 1.3% | -1.4% | -1.8% |
| NIFTY500 MULTICAP 50:25:25 | 1.1% | -1% | -0.4% |
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FAQ about CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY
Is CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY good for long term investment?
As on Dec 15,2025, 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 Dec 15,2025, CHOLAMANDALAM INVESTMENT AND 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 AND FINANCE COMPANY ?
As on Dec 15,2025, the Intrinsic Value of CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY is Rs. 1,395.71 estimated based on Median of the 3 historical models.Fair Value [Median EV / EBIDTA Model] : Rs. -189.60
Fair Value [Median EV / Sales Model] : Rs. 1,614.50
Fair Value [Median Price / Sales Model] : Rs. 1,176.91
Estimated Median Fair Value of CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY : Rs. 1,395.71
The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.
