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Cholamandalam Financial Holdings Limited (CHOLAHLDNG.NS)
INR1,598.80
+12.10 (+0.76%)
IN NSE Financial Services Financial - Credit Services
Address
Dare House 600001
Chennai, TN, IN
Chennai, TN, IN
CEO
Vellayan Subbiah
Website
cholafhl.com
IPO
2002-07-01
ISIN INE149A01033
Also trades on
Bombay Stock Exchange · CHOLAHLDNG.BO (INR)
National Stock Exchange of India · CHOLAHLDNG.NS (INR)
Description
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health, home, motor, and travel insurance. It serves first time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR1,598.80
+12.10 (+0.76%)
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Volume Profile
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Liquidity & share structure
Average Volume
236.6K
Beta
0.39
Float Shares
98.53M
Free Float %
52.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.45% | -1.88% | +6.67% | -3.16% | -12.65% | -6.05% | -5.43% | +119.38% | +203.75% | +500.18% | +32,655.77% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1,598.80
DCF (Unlevered)
17,411.44
+989.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
75% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 3 | +1 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
Quality scores
Altman Z-Score
0.43
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
D+
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+13.1% Q1'26: +9.0% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+12.3% Q1'26: +12.0% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+31.1% Q1'26: -105.2% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+18.5% Q1'26: +20.4% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+2.4% Q1'26: +2.8% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×27.45× Q1'26: 23.63× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* 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.
Consensus Estimates
| Metric |
Mar 2010 actual |
Mar 2011 actual |
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 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
26.43B
est: 32.05B (-17.5%)
|
50.49B
est: 38.11B (+32.5%)
|
64.55B
est: 53.30B (+21.1%)
|
77.64B
est: 60.27B (+28.8%)
|
87.62B
est: 61.99B (+41.3%)
|
96.18B
est: 39.82B (+141.5%)
|
76.26B
est: 38.40B (+98.6%)
|
22.67B
est: 42.51B (-46.7%)
|
88.90B
est: 45.16B (+96.9%)
|
107.04B
est: 39.00B (+174.5%)
|
134.76B
est: 127.26B (+5.9%)
|
144.54B
est: 7.98B (+1,711.3%)
|
156.38B
est: 9.18B (+1,603.5%)
|
193.81B
est: 8.92B (+2,073.3%)
|
272.76B
est: 11.15B (+2,345.8%)
|
349.96B
est: 13.09B (+2,573.5%)
|
15.21B
15.21B – 15.21B
+16.2% YoY
|
15.29B
15.29B – 15.29B
+0.5% YoY
|
17.05B
17.05B – 17.05B
+11.5% YoY
|
18.84B
18.84B – 18.84B
+10.5% YoY
|
| EBITDA |
4.78B
est: 2.58B (+85.7%)
|
10.28B
est: 1.49B (+590.9%)
|
7.08B
est: -2.02B (+450.4%)
|
9.04B
est: -5.69B (+259.0%)
|
27.17B
est: 5.58B (+387.0%)
|
30.78B
est: -18.40B (+267.3%)
|
24.32B
est: -15.21B (+259.9%)
|
3.12B
est: 10.43B (-70.0%)
|
19.96B
est: 11.08B (+80.2%)
|
23.89B
est: 9.56B (+149.8%)
|
19.72B
est: 31.21B (-36.8%)
|
37.26B
est: 1.96B (+1,804.0%)
|
32.18B
est: 2.25B (+1,329.5%)
|
40.18B
est: 2.19B (+1,736.9%)
|
54.74B
est: 2.74B (+1,901.5%)
|
67.40B
est: 2.62B (+2,474.3%)
|
3.04B
3.04B – 3.04B
+16.2% YoY
|
3.06B
3.06B – 3.06B
+0.5% YoY
|
3.41B
3.41B – 3.41B
+11.5% YoY
|
3.77B
3.77B – 3.77B
+10.5% YoY
|
| EBIT |
3.90B
est: 952.17M (+309.3%)
|
9.36B
est: 3.22B (+190.4%)
|
6.07B
est: 11.71B (-48.1%)
|
7.71B
est: 19.35B (-60.1%)
|
25.59B
est: 7.84B (+226.3%)
|
29.07B
est: 9.40B (+209.4%)
|
22.69B
est: 9.06B (+150.4%)
|
2.95B
est: 20.43B (-85.6%)
|
19.26B
est: 10.66B (+80.7%)
|
23.11B
est: 9.20B (+151.2%)
|
18.22B
est: 30.03B (-39.3%)
|
35.81B
est: 1.88B (+1,801.9%)
|
30.64B
est: 2.17B (+1,314.8%)
|
38.42B
est: 2.10B (+1,725.7%)
|
52.27B
est: 2.63B (+1,886.4%)
|
64.44B
est: 2.50B (+2,477.0%)
|
2.91B
2.91B – 2.91B
+16.2% YoY
|
2.92B
2.92B – 2.92B
+0.5% YoY
|
3.26B
3.26B – 3.26B
+11.5% YoY
|
3.60B
3.60B – 3.60B
+10.5% YoY
|
| Net Income |
1.13B
est: 1.14B (-1.1%)
|
1.96B
est: 1.34B (+46.7%)
|
2.69B
est: 2.68B (+0.4%)
|
2.89B
est: 3.27B (-11.7%)
|
3.11B
est: 2.97B (+4.9%)
|
4.24B
est: 5.04B (-15.9%)
|
10.39B
est: 5.62B (+84.9%)
|
4.55B
est: 1.22B (+273.0%)
|
5.50B
est: 1.98B (+178.2%)
|
6.97B
est: 7.02B (-0.8%)
|
5.51B
est: 6.72B (-18.1%)
|
8.25B
est: 1.82B (+352.8%)
|
10.23B
est: 10.09B (+1.4%)
|
12.90B
est: 9.18B (+40.6%)
|
17.73B
est: 13.02B (+36.1%)
|
21.74B
est: 24.04B (-9.6%)
|
23.47B
23.47B – 23.47B
-2.3% YoY
|
29.29B
29.29B – 29.29B
+24.8% YoY
|
35.87B
35.87B – 35.87B
+22.4% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
3.88B
est: 10.68B (-63.7%)
|
3.27B
est: 15.71B (-79.2%)
|
9.31B
est: 23.07B (-59.6%)
|
8.14B
est: 28.01B (-70.9%)
|
15.28B
est: 41.90B (-63.5%)
|
10.57B
est: 1.67B (+534.9%)
|
10.18B
est: 1.61B (+534.2%)
|
5.28B
est: 1.78B (+197.1%)
|
12.60B
est: 1.89B (+567.3%)
|
13.79B
est: 1.63B (+745.3%)
|
14.28B
est: 5.32B (+168.3%)
|
6.88B
est: 333.74M (+1,962.3%)
|
23.53B
est: 383.92M (+6,028.1%)
|
28.04B
est: 372.96M (+7,418.9%)
|
31.11B
est: 466.39M (+6,571.1%)
|
39.17B
est: 1.36B (+2,770.9%)
|
1.59B
1.59B – 1.59B
+16.2% YoY
|
1.59B
1.59B – 1.59B
+0.5% YoY
|
1.78B
1.78B – 1.78B
+11.5% YoY
|
1.96B
1.96B – 1.96B
+10.5% YoY
|
| EPS |
6.08
est: 5.84 (+4.0%)
|
10.58
est: 9.09 (+16.4%)
|
14.46
est: 12.79 (+13.1%)
|
15.47
est: 14.21 (+8.9%)
|
16.67
est: 11.39 (+46.3%)
|
22.69
est: 3.54 (+541.4%)
|
55.49
est: 4.82 (+1,050.3%)
|
24.26
est: 6.49 (+273.8%)
|
29.00
est: 10.53 (+175.5%)
|
37.13
est: 37.40 (-0.7%)
|
29.35
est: 35.80 (-18.0%)
|
43.93
est: 9.70 (+352.9%)
|
54.50
est: 53.71 (+1.5%)
|
68.72
est: 48.89 (+40.6%)
|
94.39
est: 69.35 (+36.1%)
|
115.76
est: 128.00 (-9.6%)
|
125.00
125.00 – 125.00
-2.3% YoY
|
156.00
156.00 – 156.00
+24.8% YoY
|
191.00
191.00 – 191.00
+22.4% YoY
|
—
— – —
-100.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-108.79B
OE per share TTM
-579.23
Owner's Yield
-32.53%
Maintenance CapEx ratio
22.78%
Maint CapEx / Avg PPE
4.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 18 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L | 0.02% | 895.2K | 0.17% |
| 2 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L | 0.02% | 895.2K | 0.17% |
| 3 | Vanguard FTSE Asia ex Japan Shares Index ETF VAE.AX | 0.02% | 94.5K | 0.40% |
| 4 | Schwab Emerging Markets Equity ETF SCHE | 0.02% | 1.90M | 0.06% |
| 5 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.01% | 197.7K | 0.48% |
| 6 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.01% | 446.0K | 0.26% |
| 7 | Vanguard All-World ex-US Shares Index ETF VEU.AX | 0.00% | 175.8K | 0.04% |
| 8 | Vanguard FTSE All-World UCITS ETF (USD) Distributing VWRD.L | 0.00% | 1.40M | 0.19% |
| 9 | Vanguard FTSE All-World UCITS ETF (USD) Accumulating VWRA.L | 0.00% | 1.40M | 0.19% |
| 10 | Vanguard FTSE Global All Cap ex Canada Index ETF VXC.TO | 0.00% | 35.4K | 0.22% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.51M
Shares Outstanding
187.78M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Elanjezhia Krithika | Company Secretary & Compliance Officer | — | female |
| N. Ganesh | Manager & Chief Financial Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for CHOLAHLDNG.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.
