Cholamandalam Investment and Finance Company Ltd.

₹1,580

-40 (-2.5%)

CHOLAFIN Share Price

Finance

As on October 1, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryNon Banking Financial Company (NBFC)

Market Cap₹ 1,35,260 Cr

P/E Ratio25.79

Dividend Yield0.06 %

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	1,624.84	Bearish
10-DMA	1,690.3	Bearish
20-DMA	1,755.92	Bearish
50-DMA	1,815.02	Bearish
100-DMA	1,734.6	Bearish
200-DMA	1,682.23	Bearish

Historical Performance

1 Year

-1.6%

3 Years

29.8%

5 Years

182.8%

10 Years

582.6%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Other Income	4,660	3,077	2,824	2,216	919
Operating Profit	2,16,411	1,84,808	1,40,341	94,837	73,059
Interest	1,43,841	1,24,945	92,308	57,480	42,977
Depreciation	2,839	2,448	1,981	1,211	1,006
Profit Before Tax	69,730	57,415	46,053	36,146	29,076
Consolidated Net Profit	52,326	42,627	34,201	26,649	21,535
Adjusted EPS	61	51	41	32	26

Compounded Sales Growth

10 Years:49.2

5 Years:26.6

3 Years:19.4

TTM:3.8

Compounded Profit Growth

10 Years:55.8

5 Years:28.1

3 Years:14.4

TTM:4.2

Stock Price CAGR

10 Years:20.9

5 Years:23.1

3 Years:8

TTM:0.6

Return on Equity

10 Years:9.2

5 Years:26.1

3 Years:40.7

last year:61.3

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022
Share Capital	1,705	1,682	1,681	1,645	1,643
Total Reserves	2,99,723	2,32,852	1,92,848	1,40,982	1,15,498
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	13,32,597	11,78,885	8,70,182	9,00,281	6,45,848
Total Liabilities	24,42,880	20,09,382	15,60,306	11,30,154	8,18,038
Capital Work in Progress	275	37	---	357	230
Total Assets	24,42,880	20,09,382	15,60,306	11,30,154	8,18,038

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a high PE of 25.79, indicating expensive valuation or elevated growth expectations.
Over the last three years, the stock delivered a moderate 3-year price CAGR of 8.0%, reflecting average market performance.
The stock carries a high beta of 1.7, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹216162 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹309817 million, indicating a large and established business.

Investment Calculator

Investment Amount:₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1005792.9

No. of Shares: 637 (Approx)

Performance:0.6%

5792.9

NIFTY Performance: -9.9%

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