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Swing Capital

Cholamandalam Investment & Finance Company Ltd

NSE: CHOLAFIN BSE: 511243Banking

Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.[1]

₹1,527
52W: ₹1299 — ₹1832
PE 25 · Book ₹357 · +328% vs book
Market Cap₹1,30,150 Cr
Stock P/E25Price to Earnings
ROCE9.7%Return on Capital
ROE19.3%Return on Equity
Div. Yield0.13%Face Value ₹2

Strengths

  • +Company has delivered good profit growth of 28.1% CAGR over last 5 years
  • +Company's median sales growth is 21.9% of last 10 years

Weaknesses

  • −Stock is trading at 4.27 times its book value
  • −Company has low interest coverage ratio.
  • −Promoter holding has decreased over last quarter: -0.47%
  • −Company might be capitalizing the interest cost

Shareholding Pattern

Promoters49.25%
FIIs24.87%
DIIs19.91%
Public5.95%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters50.33%50.24%▼0.149.93%▼0.349.92%▼0.049.9%▼0.049.88%▼0.049.72%▼0.249.25%▼0.5
FIIs26.63%27.17%▲0.527.43%▲0.328.23%▲0.827.96%▼0.326.85%▼1.126.56%▼0.324.87%▼1.7
DIIs16.86%16.58%▼0.316.1%▼0.515.49%▼0.616.05%▲0.617.27%▲1.217.54%▲0.319.91%▲2.4
Public6.19%6.02%▼0.26.56%▲0.56.36%▼0.26.07%▼0.36%▼0.16.16%▲0.25.95%▼0.2

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses1,3781,4011,7061,8772,0191,9892,2682,4442,5362,581
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit8761,0589429631,0871,2671,1361,1551,2881,641
EPS ₹10.4312.611.2111.4612.9215.0613.513.7315.2619.26

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹18Cr (1% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 19.91% (-0.46pp change). FIIs: 24.87% (+3.95pp change). Promoters hold 49.25%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 25x with 9.7% ROCE. Price is 328% above book value of ₹357. Dividend yield: 0.13%.

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