Nifty

:

24536.60

Sensex

:

79310.01

576.00 (2.40%)
2008.61 (2.60%)

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Nifty
Sensex

:
:

24536.60
79310.01

576.00 (2.40%)
2008.61 (2.60%)

Cholamandalam Investment and Finance Company Ltd.

Finance - NBFC

Rating :

69/99

BSE: 511243 | NSE: CHOLAFIN

Watchlist

NSE BSE

1760.00

05-Nov-2026

Open
High
Low
Previous Close

1705
1781
1702
1658.00

Volume
Traded Value (lacs)
52 Week High
52 Week Low

3930841
6908197712.8
1952.5
1299.4

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,50,943.06
24.26
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,08,305.55
0.11%
4.37

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

20.81
25.10
17.53

EBITDA CAGR (%)

10 Years
5 Years
3 Years

21.03
24.03
9.02

PAT CAGR (%)

10 Years
5 Years
3 Years

21.94
19.35
15.31

P:E (Median)

8 Years
5 Years
3 Years

27.73
29.73
30.08

P:BV (Average)

8 Years
5 Years
3 Years

4.59
5.22
5.28

EV:EBITDA (Average)

8 Years
5 Years
3 Years

14.18
15.23
14.46

Earnings Forecasts:

(Updated: 31-10-2026)

Description 2026 2027 2028 2029
Adj EPS 61.23 79.13 96.98 117.89
P/E Ratio 28.74 22.24 18.15 14.93
Revenue 31444.8 20714.9 24881.4 29900.6
EBITDA 21616.2 10883.8 13361.6 13156
Net Income 5219.59 6763.89 8276.98 10032.4
ROA 2.34 2.51 2.55 2.58
P/B Ratio 4.93 4.09 3.37 2.78
ROE 19.32 20.08 20.17 19.97
FCFF 14834.7 - - -
FCFF Yield 4.53 - - -
Net Debt 196255 233496 274282 319606
BVPS 356.72 430.39 522.94 633.04

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 26 Sep 25 Var% Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var%
Net Sales 9,243.59 7,469.58 23.75% 8,833.38 7,244.92 21.93% 8,392.30 7,025.05 19.46% 7,874.94 6,709.21 17.38%
Expenses 2,769.49 2,443.51 13.34% 2,635.15 2,268.10 16.18% 2,580.75 1,988.75 29.77% 2,536.30 2,018.56 25.65%
EBITDA 6,474.10 5,026.07 28.81% 6,198.23 4,976.82 24.54% 5,811.55 5,036.30 15.39% 5,338.64 4,690.65 13.81%
EBIDTM 70.04% 67.29% 70.17% 68.69% 69.25% 71.69% 67.79% 69.91%
Other Income 123.29 120.55 2.27% 99.57 85.86 15.97% 146.27 95.64 52.94% 110.42 103.14 7.06%
Interest 4,329.45 3,515.51 23.15% 4,003.14 3,466.25 15.49% 3,749.42 3,362.29 11.51% 3,643.02 3,271.78 11.35%
Depreciation 79.65 70.36 13.20% 74.17 66.79 11.05% 71.03 63.43 11.98% 73.14 58.43 25.18%
PBT 2,188.29 1,560.75 40.21% 2,220.49 1,529.64 45.16% 2,137.37 1,706.22 25.27% 1,732.90 1,463.58 18.40%
Tax 558.22 405.44 37.68% 566.90 393.73 43.98% 496.66 439.50 13.01% 445.24 377.05 18.09%
PAT 1,630.07 1,155.31 41.09% 1,653.59 1,135.91 45.57% 1,640.71 1,266.72 29.52% 1,287.66 1,086.53 18.51%
PATM 17.63% 15.47% 18.72% 15.68% 19.55% 18.03% 16.35% 16.19%
EPS 19.01 13.47 41.13% 19.28 13.25 45.51% 19.13 14.77 29.52% 15.02 12.67 18.55%

Description Sep 26 Sep 25 Var% Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var%
Net Sales 9,270.92 7,491.38 23.75% 8,856.29 7,266.80 21.87% 8,416.71 7,045.57 19.46% 7,898.21 6,732.98 17.31%
Expenses 2,789.86 2,460.43 13.39% 2,652.18 2,286.32 16.00% 2,596.90 2,009.98 29.20% 2,554.02 2,037.94 25.32%
EBITDA 6,481.06 5,030.95 28.82% 6,204.11 4,980.48 24.57% 5,819.81 5,035.59 15.57% 5,344.19 4,695.04 13.83%
EBIDTM 69.91% 67.16% 70.05% 68.54% 69.15% 71.47% 67.66% 69.73%
Other Income 123.59 122.04 1.27% 100.39 86.29 16.34% 146.83 91.30 60.82% 110.47 103.62 6.61%
Interest 4,334.43 3,517.31 23.23% 4,007.37 3,468.06 15.55% 3,753.02 3,364.67 11.54% 3,645.74 3,274.93 11.32%
Depreciation 83.17 71.03 17.09% 75.06 67.44 11.30% 71.64 64.09 11.78% 73.78 59.15 24.73%
PBT 2,187.05 1,564.65 39.78% 2,222.07 1,531.27 45.11% 2,141.98 1,698.13 26.14% 1,735.14 1,464.58 18.47%
Tax 558.04 406.30 37.35% 567.34 394.17 43.93% 497.92 439.02 13.42% 445.77 377.44 18.10%
PAT 1,629.01 1,158.35 40.63% 1,654.73 1,137.10 45.52% 1,644.06 1,259.11 30.57% 1,289.37 1,087.14 18.60%
PATM 17.57% 15.46% 18.68% 15.65% 19.53% 17.87% 16.32% 16.15%
EPS 19.00 13.78 37.88% 19.42 13.52 43.64% 19.30 14.97 28.92% 15.28 12.94 18.08%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 34,344.21 30,981.74 25,745.57 18,845.22 12,757.04 10,048.29 9,516.01 8,652.63 6,991.97 5,479.23 4,659.55 Net Sales Growth 20.72% 20.34% 36.62% 47.72% 26.96% 5.59% 9.98% 23.75% 27.61% 17.59% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 34,344.21 30,981.74 25,745.57 18,845.22 12,757.04 10,048.29 9,516.01 8,652.63 6,991.97 5,479.23 4,659.55 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 10,521.69 9,832.80 7,597.23 5,210.13 3,512.34 2,853.23 2,864.65 2,369.72 1,527.76 1,376.17 1,521.06 Power & Fuel Cost - 31.62 27.43 20.91 14.59 11.07 10.11 14.21 11.90 11.09 9.08 % Of Sales - 0.10% 0.11% 0.11% 0.11% 0.11% 0.11% 0.16% 0.17% 0.20% 0.19% Employee Cost - 4,152.80 3,280.51 2,330.55 1,265.68 894.53 748.53 655.00 590.58 536.79 402.64 % Of Sales - 13.40% 12.74% 12.37% 9.92% 8.90% 7.87% 7.57% 8.45% 9.80% 8.64% Manufacturing Exp. - 1,375.56 1,237.66 1,047.16 1,019.77 806.45 581.00 611.16 465.80 368.71 389.71 % Of Sales - 4.44% 4.81% 5.56% 7.99% 8.03% 6.11% 7.06% 6.66% 6.73% 8.36% General & Admin Exp. - 611.99 495.48 394.49 324.84 232.04 121.85 162.79 132.89 142.56 165.86 % Of Sales - 1.98% 1.92% 2.09% 2.55% 2.31% 1.28% 1.88% 1.90% 2.60% 3.56% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 3,692.45 2,583.58 1,437.93 902.05 920.21 1,413.27 940.77 338.49 328.11 0.00 % Of Sales - 11.92% 10.04% 7.63% 7.07% 9.16% 14.85% 10.87% 4.84% 5.99% 12.08% EBITDA 23,822.52 21,148.94 18,148.34 13,635.09 9,244.70 7,195.06 6,651.36 6,282.91 5,464.21 4,103.06 3,138.49 EBITDA Margin 69.36% 68.26% 70.49% 72.35% 72.47% 71.60% 69.90% 72.61% 78.15% 74.88% 67.36% Other Income 479.55 467.24 315.50 373.39 222.62 92.05 61.29 2.59 3.16 7.32 236.00 Interest 15,725.03 14,374.20 12,484.85 9,230.61 5,748.75 4,298.82 4,575.91 4,592.23 3,588.74 2,659.33 2,230.80 Depreciation 297.99 281.32 242.12 195.77 118.88 97.35 98.30 107.54 55.48 49.68 38.11 PBT 8,279.05 6,960.66 5,736.87 4,582.10 3,599.69 2,890.94 2,038.44 1,585.73 1,823.15 1,401.37 1,105.58 Tax 2,067.02 1,741.07 1,478.34 1,159.34 933.49 744.23 523.53 533.36 637.00 483.07 386.84 Tax Rate 24.97% 25.01% 25.77% 25.30% 25.93% 25.74% 25.68% 33.63% 34.94% 34.47% 34.99% PAT 6,212.03 5,219.59 4,258.53 3,422.76 2,666.20 2,146.71 1,514.91 1,052.37 1,186.15 918.30 718.74 PAT before Minority Interest 6,212.03 5,219.59 4,258.53 3,422.76 2,666.20 2,146.71 1,514.91 1,052.37 1,186.15 918.30 718.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.09% 16.85% 16.54% 18.16% 20.90% 21.36% 15.92% 12.16% 16.96% 16.76% 15.43% PAT Growth 33.75% 22.57% 24.42% 28.38% 24.20% 41.71% 43.95% -11.28% 29.17% 27.77% EPS 72.44 60.87 49.66 39.92 31.09 25.03 17.67 12.27 13.83 10.71 8.38

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 34,442.13 31,073.10 25,845.98 19,139.62 12,884.10 10,140.75 9,579.40 8,712.01 7,087.62 5,558.68 4,693.48 Net Sales Growth 20.69% 20.22% 35.04% 48.55% 27.05% 5.86% 9.96% 22.92% 27.51% 18.43% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 34,442.13 31,073.10 25,845.98 19,139.62 12,884.10 10,140.75 9,579.40 8,712.01 7,087.62 5,558.68 4,693.48 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 10,592.96 9,898.02 7,672.83 5,387.90 3,622.01 2,926.72 2,914.37 2,422.89 1,634.66 1,453.29 1,553.45 Power & Fuel Cost - 31.69 27.47 21.28 14.69 11.07 10.11 14.44 12.16 11.31 9.29 % Of Sales - 0.10% 0.11% 0.11% 0.11% 0.11% 0.11% 0.17% 0.17% 0.20% 0.20% Employee Cost - 4,195.08 3,327.75 2,478.60 1,360.37 957.20 791.01 700.32 604.68 550.81 414.09 % Of Sales - 13.50% 12.88% 12.95% 10.56% 9.44% 8.26% 8.04% 8.53% 9.91% 8.82% Manufacturing Exp. - 1,394.30 1,259.74 1,068.27 1,030.18 814.78 584.66 615.22 507.52 376.13 392.99 % Of Sales - 4.49% 4.87% 5.58% 8.00% 8.03% 6.10% 7.06% 7.16% 6.77% 8.37% General & Admin Exp. - 614.53 500.17 406.83 329.10 234.36 125.11 165.07 183.47 197.75 181.70 % Of Sales - 1.98% 1.94% 2.13% 2.55% 2.31% 1.31% 1.89% 2.59% 3.56% 3.87% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 3,694.11 2,585.17 1,434.20 902.36 920.38 1,413.59 942.28 338.99 328.60 0.00 % Of Sales - 11.89% 10.00% 7.49% 7.00% 9.08% 14.76% 10.82% 4.78% 5.91% 12.03% EBITDA 23,849.17 21,175.08 18,173.15 13,751.72 9,262.09 7,214.03 6,665.03 6,289.12 5,452.96 4,105.39 3,140.03 EBITDA Margin 69.24% 68.15% 70.31% 71.85% 71.89% 71.14% 69.58% 72.19% 76.94% 73.86% 66.90% Other Income 481.28 465.98 307.66 282.40 221.62 91.86 60.71 2.05 23.70 2.96 234.35 Interest 15,740.56 14,384.13 12,494.53 9,230.75 5,748.03 4,297.66 4,575.54 4,591.70 3,588.14 2,656.68 2,227.92 Depreciation 303.65 283.89 244.83 198.06 121.09 100.63 102.30 111.25 56.99 50.86 39.02 PBT 8,286.24 6,973.04 5,741.45 4,605.31 3,614.59 2,907.60 2,047.90 1,588.22 1,831.53 1,400.81 1,107.43 Tax 2,069.07 1,744.16 1,481.45 1,194.57 937.92 748.71 526.51 534.08 634.59 483.12 389.51 Tax Rate 24.97% 25.01% 25.80% 25.94% 25.95% 25.75% 25.71% 33.63% 34.65% 34.49% 35.17% PAT 6,217.17 5,228.88 4,260.00 3,410.74 2,676.67 2,158.89 1,521.39 1,054.14 1,198.41 919.30 719.42 PAT before Minority Interest 6,217.17 5,228.88 4,260.00 3,410.74 2,676.67 2,158.89 1,521.39 1,054.14 1,196.94 917.69 717.92 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.47 1.61 1.50 PAT Margin 18.05% 16.83% 16.48% 17.82% 20.77% 21.29% 15.88% 12.10% 16.91% 16.54% 15.33% PAT Growth 33.94% 22.74% 24.90% 27.42% 23.98% 41.90% 44.33% -12.04% 30.36% 27.78% EPS 72.50 60.98 49.68 39.78 31.21 25.18 17.74 12.29 13.98 10.72 8.39

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 30,404.02 23,627.40 19,556.51 14,296.05 11,707.68 9,560.31 8,171.84 6,175.74 5,098.14 4,284.92 Share Capital 170.48 168.25 168.06 164.48 164.28 164.07 163.98 156.43 156.40 156.34 Total Reserves 29,917.91 23,243.93 19,248.07 14,048.18 11,488.47 9,361.79 7,977.59 6,000.70 4,931.28 4,128.40 Non-Current Liabilities 1,33,252.32 1,17,879.08 87,011.43 90,029.63 64,587.59 58,503.03 51,455.92 45,262.77 34,713.76 15,571.81 Secured Loans 1,19,687.70 1,05,181.12 80,050.89 85,921.16 61,379.73 54,868.18 47,561.68 41,298.75 30,858.81 12,345.87 Unsecured Loans 13,807.46 12,658.07 6,908.28 4,712.46 3,872.88 4,390.06 4,405.52 4,408.68 4,210.03 2,758.70 Long Term Provisions 279.21 233.62 192.70 0.00 0.00 0.00 0.00 0.00 0.00 586.21 Current Liabilities 80,255.19 59,194.39 49,228.68 8,581.33 5,396.65 5,721.28 3,853.80 5,534.79 3,916.12 10,422.90 Trade Payables 116.84 149.23 115.37 123.33 82.90 52.67 202.90 207.42 170.63 275.13 Other Current Liabilities 2,766.95 1,938.24 1,598.90 1,594.68 1,274.59 1,045.03 521.91 394.04 420.57 6,792.38 Short Term Borrowings 77,371.40 57,106.92 47,514.41 6,722.44 3,920.89 4,471.75 3,038.23 4,859.31 3,261.49 3,268.96 Short Term Provisions 0.00 0.00 0.00 140.88 118.27 151.83 90.76 74.02 63.43 86.44 Total Liabilities 2,43,911.53 2,00,700.87 1,55,796.62 1,12,907.01 81,691.92 73,784.62 63,481.56 56,973.30 43,728.02 30,279.63 Net Block 1,862.53 1,771.81 1,557.01 398.60 254.44 219.47 273.46 162.62 160.75 140.04 Gross Block 2,651.32 2,367.07 2,188.59 880.77 639.82 517.30 475.60 265.84 205.26 296.39 Accumulated Depreciation 788.79 595.26 631.58 482.17 385.38 297.83 202.14 103.22 44.51 156.35 Non Current Assets 2,31,268.63 1,93,274.55 1,52,997.82 1,09,153.73 76,793.79 67,866.59 55,936.77 53,038.74 42,669.28 20,915.17 Capital Work in Progress 32.79 10.91 12.45 60.34 36.98 9.82 10.26 13.10 3.80 0.00 Non Current Investment 6,638.05 6,390.39 4,100.23 3,620.02 2,076.16 1,618.82 72.92 72.92 72.92 192.48 Long Term Loans & Adv. 33.55 220.08 364.28 326.32 276.87 179.01 177.26 167.69 178.30 116.79 Other Non Current Assets 5,130.42 2,951.33 2,539.43 0.00 0.00 0.00 0.00 0.00 0.22 530.41 Current Assets 12,642.90 7,426.32 2,761.71 3,745.28 4,898.13 5,918.03 7,544.79 3,934.56 1,058.74 9,364.47 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 46.10 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 289.56 187.58 199.00 77.18 32.47 20.31 21.76 4.41 38.23 0.00 Cash & Bank 11,671.71 7,025.71 2,180.21 2,961.42 4,220.08 5,231.88 6,959.10 3,674.85 887.95 470.64 Other Current Assets 681.63 200.00 364.17 677.29 645.58 665.84 563.93 255.30 132.57 8,847.73 Short Term Loans & Adv. 8.31 13.03 18.33 29.39 16.71 21.20 40.71 25.45 18.59 8,508.55 Net Current Assets -67,612.29 -51,768.07 -46,466.97 -4,836.05 -498.52 196.75 3,690.99 -1,600.23 -2,857.38 -1,058.43 Total Assets 2,43,911.53 2,00,700.87 1,55,759.53 1,12,899.01 81,691.92 73,784.62 63,481.56 56,973.30 43,728.02 30,279.64

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 30,458.40 23,668.69 19,593.24 14,346.10 11,769.00 9,599.80 8,199.86 6,208.71 5,125.46 4,297.91 Share Capital 170.48 168.25 168.06 164.48 164.28 164.07 163.98 156.42 156.40 156.34 Total Reserves 29,972.29 23,285.23 19,284.81 14,098.24 11,549.80 9,401.29 8,005.61 6,033.68 4,958.60 4,141.39 Non-Current Liabilities 1,33,259.67 1,17,888.54 87,018.21 90,028.11 64,584.76 58,497.86 51,449.28 45,255.65 34,709.66 15,571.59 Secured Loans 1,19,687.70 1,05,181.12 80,050.89 85,921.16 61,379.73 54,868.18 47,561.68 41,298.75 30,858.81 12,345.87 Unsecured Loans 13,807.46 12,658.07 6,908.28 4,713.90 3,872.88 4,390.06 4,405.52 4,408.68 4,210.03 2,758.70 Long Term Provisions 281.40 235.55 193.97 0.00 0.00 0.00 0.00 0.00 0.00 586.21 Current Liabilities 80,569.93 59,380.93 49,419.11 8,641.20 5,450.01 5,777.53 3,881.77 5,565.64 3,965.51 10,411.35 Trade Payables 212.05 235.91 295.69 171.61 127.59 98.59 220.47 231.45 214.03 298.69 Other Current Liabilities 2,783.43 1,948.21 1,607.71 1,604.93 1,281.85 1,054.49 531.56 400.22 426.02 6,795.21 Short Term Borrowings 77,574.45 57,196.81 47,515.71 6,722.44 3,920.89 4,471.75 3,038.23 4,859.31 3,261.50 3,230.46 Short Term Provisions 0.00 0.00 0.00 142.22 119.68 152.70 91.51 74.66 63.96 87.00 Total Liabilities 2,44,288.00 2,00,938.16 1,56,030.56 1,13,015.41 81,803.77 73,875.19 63,530.91 57,030.00 43,800.97 30,282.85 Net Block 1,868.51 1,779.72 1,563.22 402.55 258.47 227.46 283.03 167.17 170.45 149.73 Gross Block 2,666.05 2,381.91 2,209.15 897.15 654.47 534.29 490.39 272.09 216.13 314.32 Accumulated Depreciation 797.54 602.19 645.93 494.60 396.00 306.83 207.36 104.92 45.68 164.58 Non Current Assets 2,28,843.12 1,90,011.31 1,51,548.27 1,09,188.39 76,821.05 67,899.31 55,936.54 53,023.76 42,639.72 20,873.41 Capital Work in Progress 42.01 10.91 12.67 60.50 37.35 9.91 10.60 13.97 3.80 0.00 Non Current Investment 4,009.14 3,001.44 2,586.57 3,561.87 2,055.05 1,583.49 32.70 41.50 22.72 134.36 Long Term Loans & Adv. 29.73 218.08 359.04 353.69 292.07 211.76 210.10 186.23 198.28 123.43 Other Non Current Assets 5,149.88 2,963.39 2,563.99 0.00 33.27 27.22 4.24 3.98 0.46 530.45 Current Assets 15,444.88 10,926.85 4,445.20 3,804.45 4,982.72 5,975.88 7,594.37 4,006.24 1,161.25 9,409.44 Current Investments 2,636.67 3,365.97 1,449.18 0.00 0.00 0.00 0.00 0.00 0.00 47.75 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 327.05 204.83 213.46 99.13 71.31 56.60 30.19 41.28 68.84 21.84 Cash & Bank 11,747.17 7,123.53 2,242.81 3,007.10 4,301.84 5,279.77 7,000.74 3,708.46 951.85 493.76 Other Current Assets 733.99 232.52 539.75 467.48 609.57 639.51 563.44 256.50 140.56 8,846.09 Short Term Loans & Adv. 0.00 0.00 0.00 230.74 301.23 25.37 41.17 26.16 26.02 8,518.56 Net Current Assets -65,125.05 -48,454.08 -44,973.91 -4,836.75 -467.29 198.35 3,712.60 -1,559.40 -2,804.26 -1,001.91 Total Assets 2,44,288.00 2,00,938.16 1,55,993.47 1,12,992.84 81,803.77 73,875.19 63,530.91 57,030.00 43,800.97 30,282.85

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity -29,920.22 -32,404.24 -35,767.52 -27,036.89 -5,607.52 -8,857.04 -2,086.22 -9,331.24 -7,922.91 -1,491.12 PBT 6,960.66 5,736.87 4,582.10 3,599.69 2,890.94 2,038.44 1,585.73 1,823.15 1,401.37 1,105.58 Adjustment 16,884.03 14,254.06 10,093.14 6,402.90 5,034.33 5,696.90 5,350.28 3,820.97 2,961.74 564.46 Changes in Working Capital -38,559.17 -39,520.90 -40,875.75 -31,142.19 -8,831.12 -11,697.47 -3,949.55 -10,631.63 -9,174.93 -2,746.97 Cash after chg. in Working capital -14,714.48 -19,529.97 -26,200.51 -21,139.60 -905.85 -3,962.13 2,986.46 -4,987.51 -4,811.82 -1,076.94 Interest Paid -14,217.02 -11,964.61 -8,735.97 -5,277.88 -4,117.31 -4,545.64 -4,715.42 -3,689.45 -2,571.09 0.00 Tax Paid -1,779.01 -1,538.30 -1,272.75 -898.16 -844.78 -703.26 -573.01 -728.07 -589.33 -478.91 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 790.29 628.64 441.71 278.75 260.42 353.99 215.75 73.79 49.33 64.73 Cash From Investing Activity -2,542.80 -2,866.57 -2,705.47 -2,160.12 1,666.68 -1,758.88 -51.44 -3.58 -62.79 -201.55 Net Fixed Assets -306.13 -176.94 -1,259.93 -264.31 -149.68 -41.26 -206.92 -69.88 87.33 -64.75 Net Investments -247.66 -2,290.16 -480.21 -1,543.86 -457.34 -1,545.90 0.00 0.00 165.66 -172.01 Others -1,989.01 -399.47 -965.33 -351.95 2,273.70 -171.72 155.48 66.30 -315.78 35.21 Cash from Financing Activity 35,497.23 39,707.03 38,404.67 27,449.42 5,150.87 8,707.74 2,460.61 12,219.96 7,965.45 1,700.55 Net Cash Inflow / Outflow 3,034.21 4,436.22 -68.32 -1,747.59 1,210.03 -1,908.18 322.95 2,885.14 -20.25 7.88 Opening Cash & Equivalents 5,278.19 841.97 910.29 2,657.88 1,447.85 3,356.03 3,138.93 253.79 274.04 266.16 Closing Cash & Equivalent 8,312.40 5,278.19 841.97 910.29 2,657.88 1,447.85 3,461.88 3,138.93 253.79 274.04

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity -30,020.80 -32,413.15 -35,682.85 -27,105.05 -5,571.33 -8,848.25 -2,074.77 -9,317.34 -7,926.34 -1,467.64 PBT 6,973.04 5,741.45 4,605.31 3,614.59 2,907.60 2,047.90 1,588.22 1,831.53 1,400.81 1,107.43 Adjustment 16,867.22 14,252.61 10,181.95 6,401.92 5,032.43 5,643.49 5,353.67 3,800.45 2,964.20 2,520.67 Changes in Working Capital -38,666.69 -39,549.69 -40,861.25 -31,201.46 -8,807.79 -11,650.98 -3,942.68 -10,604.89 -9,178.09 -2,728.43 Cash after chg. in Working capital -14,826.43 -19,555.63 -26,073.99 -21,184.95 -867.76 -3,959.59 2,999.21 -4,972.91 -4,813.08 899.68 Interest Paid -14,227.95 -11,976.87 -8,744.80 -5,279.92 -4,117.50 -4,544.93 -4,714.58 -3,687.72 -2,571.47 -1,954.92 Tax Paid -1,780.76 -1,541.39 -1,308.10 -902.68 -847.09 -699.29 -576.37 -731.90 -591.87 -479.76 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 814.34 660.74 444.04 262.50 261.02 355.56 216.97 75.19 50.08 67.36 Cash From Investing Activity -2,554.01 -2,948.12 -2,854.59 -2,148.41 1,639.54 -1,746.16 -54.05 -10.86 -60.12 -221.86 Net Fixed Assets -306.13 -176.94 -1,259.93 -264.31 -149.68 -41.26 -206.92 -69.88 87.33 -64.75 Net Investments -247.66 -2,290.16 -480.21 -1,543.86 -457.34 -1,545.90 0.00 0.00 165.66 -172.01 Others -2,000.22 -481.02 -1,114.45 -340.24 2,246.56 -159.00 152.87 59.02 -313.11 14.90 Cash from Financing Activity 35,610.01 39,795.28 38,471.23 27,466.47 5,150.27 8,706.62 2,451.81 12,190.59 8,008.65 1,691.80 Net Cash Inflow / Outflow 3,035.20 4,434.01 -66.21 -1,786.99 1,218.48 -1,887.79 322.99 2,862.39 22.19 2.29 Opening Cash & Equivalents 5,279.65 845.64 911.85 2,698.84 1,480.36 3,368.15 3,161.58 299.69 277.50 275.21 Closing Cash & Equivalent 8,314.85 5,279.65 845.64 911.85 2,698.84 1,480.36 3,484.57 3,161.58 299.69 277.51

Financial Ratios

Consolidated /

Standalone

Right to Left

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 353.13 278.42 231.16 172.89 141.92 116.17 99.34 78.75 65.09 54.83 ROA 2.35% 2.39% 2.55% 2.74% 2.76% 2.21% 1.75% 2.36% 2.48% 2.43% ROE 19.51% 19.89% 20.36% 20.62% 20.27% 17.15% 14.72% 21.10% 19.60% 18.10% ROCE 9.70% 10.34% 10.40% 9.71% 9.33% 9.69% 10.30% 10.81% 11.31% 12.21% Fixed Asset Turnover 12.35 11.30 12.28 16.78 17.37 19.17 23.34 29.68 21.84 17.65 Receivable days 2.81 2.74 2.67 4.56 3.53 2.40 2.16 3.59 6.26 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 83.02 97.58 102.16 101.64 Cash Conversion Cycle 2.81 2.74 2.67 4.56 3.53 2.40 -80.87 -93.99 -95.90 -101.64 Total Debt/Equity 7.01 7.47 6.93 6.85 5.94 6.69 6.76 8.21 7.53 5.63 Interest Cover 1.48 1.46 1.50 1.63 1.67 1.45 1.35 1.51 1.53 1.50

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 353.77 278.91 231.59 173.50 142.67 116.65 99.68 79.18 65.44 55.00 ROA 2.35% 2.39% 2.54% 2.75% 2.77% 2.21% 1.75% 2.37% 2.48% 2.48% ROE 19.51% 19.86% 20.23% 20.61% 20.29% 17.16% 14.68% 21.18% 19.50% 18.02% ROCE 9.70% 10.34% 10.41% 9.72% 9.34% 9.70% 10.30% 10.81% 11.30% 12.22% Fixed Asset Turnover 12.31 11.26 12.32 16.61 17.06 18.70 22.85 29.03 20.96 16.69 Receivable days 3.12 2.95 2.98 5.15 4.67 3.13 3.06 5.28 4.81 1.30 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 85.17 103.16 112.03 107.36 Cash Conversion Cycle 3.12 2.95 2.98 5.15 4.67 3.13 -82.11 -97.89 -107.22 -106.06 Total Debt/Equity 7.00 7.46 6.91 6.83 5.91 6.66 6.73 8.17 7.49 5.60 Interest Cover 1.48 1.46 1.50 1.63 1.68 1.45 1.35 1.51 1.53 1.50

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Chola Invest & Fin. - Quarterly Results
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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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