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Swing Capital

Cholamandalam Financial Holdings Ltd

NSE: CHOLAHLDNG BSE: 504973

Cholamandalam Financial Holdings Limited (CFHL) is a part of the Murugappa Group. The Co. is a Core Investment Company registered with the RBI, offering a diverse range of financial products and risk management services to individual and corporate customers through its group companies. [1]

₹1,649
52W: ₹1305 — ₹2299
PE 440 · Book ₹74.5 · +2113% vs book
Market Cap₹30,963 Cr
Stock P/E440Price to Earnings
ROCE6.25%Return on Capital
ROE5.12%Return on Equity
Div. Yield0.08%Face Value ₹1

Strengths

  • +Company is almost debt free.
  • +Company has been maintaining a healthy dividend payout of 29.8%

Weaknesses

  • −Stock is trading at 22.2 times its book value
  • −The company has delivered a poor sales growth of 9.12% over past five years.
  • −Company has a low return on equity of 4.97% over last 3 years.

Shareholding Pattern

Promoters46.38%
FIIs13.81%
DIIs26.09%
Public13.26%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters47.32%47.32%46.45%▼0.946.45%46.44%▼0.046.42%▼0.046.38%▼0.046.38%
FIIs13.73%16.28%▲2.616.37%▲0.117.68%▲1.318.32%▲0.617.39%▼0.916.47%▼0.913.81%▼2.7
DIIs25.51%23.01%▼2.522.94%▼0.121.8%▼1.121.43%▼0.422.52%▲1.123.55%▲1.026.09%▲2.5
Public12.99%12.93%▼0.113.78%▲0.813.62%▼0.213.34%▼0.313.21%▼0.113.14%▼0.113.26%▲0.1

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses1111111112
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit137124238227338
EPS ₹0.051.960.071.250.120.111.450.142.05

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.

Institutional Flow

DIIs: 26.09% (-1.06pp change). FIIs: 13.81% (+2.50pp change). Promoters hold 46.38%.

Margin & Efficiency

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

Valuation

PE 440x with 6.25% ROCE. Price is 2113% above book value of ₹74.5. Dividend yield: 0.08%.

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