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Cholamandalam Investment and Finance Company Limited (CHOLAFIN.NS)
Chennai, IN
Cholamandalam Investment and Finance Company Limited (CHOLAFIN.NS) operates as a prominent non-banking financial institution within India, delivering a comprehensive suite of financial services. Its core operations are structured around vehicle financing, loans secured by property, home loans, and a diverse category of other lending products. The company's extensive offerings in vehicle finance span everything from two and three-wheelers, new and pre-owned commercial vehicles, tractors, and passenger cars, to construction equipment and specific funding for automotive dealerships. In the realm of property-backed finance, Cholamandalam provides loans against existing assets, a full spectrum of home financing options (including self-construction, purchase of new or resale residential units, independent houses, and balance transfers), and credit for commercial shops. Catering to businesses and individuals, the firm extends capital to micro, small, and medium enterprises (MSMEs), offers professional and personal loans, and supports the rural and agricultural economies. Further specialized lending solutions include refinancing for vehicles, supply chain financing, term loans for capital expenditure, and loans against shares or machinery. Beyond its credit facilities, Cholamandalam delivers wealth management services, encompassing mutual funds, fixed income instruments, insurance, and participation in public offerings. It also offers comprehensive stockbroking services for various securities, derivatives, and exchange-traded funds, complete with online trading and demat account facilities. Moreover, the company provides sophisticated payment solutions, including online gateways and omnichannel transaction processing through Payswiff, for e-commerce enterprises. Founded in Chennai, India, in 1978, the company maintained a substantial operational footprint with 1,145 branches as of March 31, 2022.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.12% | -0.36% | +12.32% | -7.65% | -8.94% | -8.07% | +0.86% | +76.49% | +179.88% | +824.71% | +20,039.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | -1 |
| Buy | 22 | 0 |
| Hold | 6 | 0 |
| Sell | 2 | 0 |
| Strong Sell | 0 | -1 |
-
Revenue growth Financial - Credit Services: +17.9%+34.7% ★ Q1'26: +24.6% (vs Q1'25)
-
EPS growth Financial - Credit Services: +17.2%+23.2% ★ Q1'26: +29.0% (vs Q1'25)
-
FCF margin Financial - Credit Services: +31.1%-182.5% Q1'26: -122.3% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +32.4%+22.0% Q1'26: +25.0% (vs Q1'25)
-
ROIC Financial - Credit Services: +4.8%+2.3% Q1'26: +2.9% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+1.1% Q1'26: +1.2% (vs Q1'25)
-
Debt / EBITDA Financial - Credit Services: 3.75×29.23× Q1'26: 23.83× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 25 Rev. Ana. 32 EPS Ana. |
Mar 2027 26 Rev. Ana. 31 EPS Ana. |
Mar 2028 24 Rev. Ana. 30 EPS Ana. |
Mar 2029 12 Rev. Ana. 14 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
17.91B
est: 6.90B (+159.4%)
|
25.65B
est: 10.90B (+135.4%)
|
32.75B
est: 15.10B (+116.9%)
|
37.15B
est: 17.50B (+112.3%)
|
42.14B
est: 20.58B (+104.7%)
|
46.97B
est: 24.61B (+90.8%)
|
55.56B
est: 30.43B (+82.6%)
|
70.87B
est: 35.12B (+101.8%)
|
87.10B
est: 40.33B (+116.0%)
|
95.81B
est: 48.33B (+98.2%)
|
101.43B
est: 57.77B (+75.6%)
|
128.79B
est: 69.97B (+84.0%)
|
191.52B
est: 98.42B (+94.6%)
|
258.87B
est: 134.49B (+92.5%)
|
168.68B
167.97B – 169.08B
+25.4% YoY
|
204.00B
198.19B – 215.12B
+20.9% YoY
|
244.66B
234.47B – 263.22B
+19.9% YoY
|
310.85B
299.75B – 331.43B
+27.1% YoY
|
| EBITDA |
3.00B
est: 1.78B (+68.6%)
|
4.74B
est: 4.56B (+3.8%)
|
5.79B
est: 6.51B (-11.0%)
|
6.96B
est: 6.74B (+3.3%)
|
9.01B
est: 8.22B (+9.6%)
|
11.46B
est: 10.87B (+5.5%)
|
14.52B
est: 14.05B (+3.4%)
|
18.89B
est: 16.83B (+12.2%)
|
16.99B
est: 22.22B (-23.5%)
|
21.50B
est: 16.01B (+34.3%)
|
30.08B
est: 17.57B (+71.2%)
|
37.36B
est: 19.38B (+92.7%)
|
48.03B
est: 21.29B (+125.6%)
|
59.86B
est: 35.10B (+70.6%)
|
43.82B
43.64B – 43.93B
+24.9% YoY
|
53.00B
51.49B – 55.88B
+20.9% YoY
|
63.56B
60.91B – 68.38B
+19.9% YoY
|
80.75B
77.87B – 86.10B
+27.1% YoY
|
| EBIT |
2.89B
est: 1.71B (+69.2%)
|
4.52B
est: 4.73B (-4.4%)
|
5.54B
est: 6.30B (-12.0%)
|
6.66B
est: 6.52B (+2.1%)
|
8.79B
est: 7.87B (+11.8%)
|
11.07B
est: 10.59B (+4.6%)
|
14.01B
est: 13.51B (+3.7%)
|
18.32B
est: 16.22B (+12.9%)
|
15.88B
est: 21.29B (-25.4%)
|
20.48B
est: 16.46B (+24.5%)
|
29.08B
est: 18.06B (+61.0%)
|
36.15B
est: 19.92B (+81.4%)
|
46.05B
est: 21.88B (+110.4%)
|
57.41B
est: 33.80B (+69.9%)
|
42.20B
42.02B – 42.30B
+24.9% YoY
|
51.03B
49.58B – 53.81B
+20.9% YoY
|
61.20B
58.65B – 65.85B
+19.9% YoY
|
77.76B
74.99B – 82.91B
+27.1% YoY
|
| Net Income |
1.69B
est: 2.33B (-27.3%)
|
3.08B
est: 2.67B (+15.4%)
|
3.68B
est: 4.27B (-13.7%)
|
4.44B
est: 4.31B (+3.0%)
|
5.75B
est: 5.24B (+9.6%)
|
7.19B
est: 6.93B (+3.8%)
|
9.19B
est: 8.80B (+4.4%)
|
11.98B
est: 10.65B (+12.5%)
|
10.54B
est: 14.08B (-25.2%)
|
15.21B
est: 10.83B (+40.4%)
|
21.54B
est: 11.89B (+81.2%)
|
26.65B
est: 13.11B (+103.2%)
|
34.20B
est: 14.40B (+137.5%)
|
42.63B
est: 42.68B (-0.1%)
|
50.98B
50.34B – 53.13B
+19.5% YoY
|
64.70B
62.59B – 68.97B
+26.9% YoY
|
80.13B
77.95B – 88.35B
+23.8% YoY
|
99.56B
94.94B – 108.13B
+24.2% YoY
|
| SGA |
399.55M
est: 69.17M (+477.7%)
|
419.06M
est: 6.81B (-93.8%)
|
371.82M
est: 7.74B (-95.2%)
|
440.68M
est: 7.45B (-94.1%)
|
2.99B
est: 8.63B (-65.3%)
|
616.97M
est: 10.06B (-93.9%)
|
6.09B
est: 12.26B (-50.3%)
|
639.10M
est: 13.20B (-95.2%)
|
615.00M
est: 15.47B (-96.0%)
|
564.30M
est: 15.50B (-96.4%)
|
9.82B
est: 17.01B (-42.3%)
|
13.95B
est: 18.76B (-25.6%)
|
25.28B
est: 20.61B (+22.6%)
|
33.83B
est: 22.96B (+47.3%)
|
15.78B
15.72B – 15.82B
-31.3% YoY
|
19.09B
18.54B – 20.13B
+20.9% YoY
|
22.89B
21.94B – 24.63B
+19.9% YoY
|
29.08B
28.04B – 31.01B
+27.1% YoY
|
| EPS |
2.82
est: 2.76 (+2.2%)
|
4.60
est: 4.58 (+0.4%)
|
5.15
est: 5.32 (-3.2%)
|
6.19
est: 5.75 (+7.6%)
|
7.62
est: 6.94 (+9.7%)
|
9.21
est: 8.96 (+2.8%)
|
11.74
est: 12.09 (-2.9%)
|
15.33
est: 15.52 (-1.3%)
|
13.39
est: 13.81 (-3.1%)
|
18.55
est: 20.30 (-8.6%)
|
26.24
est: 24.77 (+6.0%)
|
32.42
est: 30.41 (+6.6%)
|
41.17
est: 39.67 (+3.8%)
|
50.72
est: 49.94 (+1.6%)
|
60.24
59.48 – 62.78
+20.6% YoY
|
76.46
73.96 – 81.49
+26.9% YoY
|
94.69
92.11 – 104.40
+23.8% YoY
|
117.64
112.18 – 127.77
+24.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-04-30 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-15 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-13 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-10 | C- | 1/5 | 3/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ravindra Kumar Kundu | MD, President of Business, Head of Vehicle Finance & Executive Director | 65M | male |
| Murugappan Vellayan Subbiah | Executive Chairman | 11M | male |
| Durgaprasad Swaminathan | Chief Information Officer | — | male |
| Jeeva Balakrishnan | Chief Human Resources Officer | — | male |
| Pangurayirath Sujatha | Compliance Officer & Company Secretary | — | female |
| Rupinder Singh | Senior Vice President & Business Head Home Equity | — | male |
| Shaji Varghese | President of Housing Finance | — | male |
| Ajay Bhatia | Chief Risk Officer | — | male |
| Sudhir Rao | Head of Marketing and Corporate Communications | — | male |
| D. Arul Selvan | President & Chief Financial Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CHOLAFIN.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
