Cholamandalam Investment and Finance Company, 511243, CHOLAFIN Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,28,260.28
28.80
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

2,96,172.75
0.13%
5.22

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

19.89
21.96
26.12

EBITDA CAGR (%)

10 Years
5 Years
3 Years

20.51
22.21
14.43

PAT CAGR (%)

10 Years
5 Years
3 Years

22.18
22.87
16.75

P:E (Median)

8 Years
5 Years
3 Years

26.11
29.89
30.46

P:BV (Average)

8 Years
5 Years
3 Years

4.50
4.99
5.44

EV:EBITDA (Average)

8 Years
5 Years
3 Years

14.00
15.08
15.42

Earnings Forecasts:

(Updated: 06-06-2025)

Description 2024 2025 2026 2027
Adj EPS 41.2 50.62 63.8 80.05
P/E Ratio 36.99 30.11 23.89 19.04
Revenue 19216 26055 16684 20486
EBITDA 14008 18464 8733 9988
Net Income 3423 4259 5416 6787
ROA 2.5 2.4 2.4 2.5
P/B Ratio 6.55 5.42 4.47 3.67
ROE 20.22 19.72 20.18 20.44
FCFF -36701 -32613
FCFF Yield -13.4 -11.91
Net Debt 130153 135411 199589 237937
BVPS 232.63 280.96 340.88 415.57

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 7,244.92 5,784.71 25.24% 7,025.05 5,388.01 30.38% 6,709.21 4,959.71 35.27% 6,226.60 4,434.95 40.40%
Expenses 2,268.10 1,706.49 32.91% 1,988.75 1,401.27 41.92% 2,018.56 1,377.57 46.53% 1,877.12 1,307.97 43.51%
EBITDA 4,976.82 4,078.22 22.03% 5,036.30 3,986.74 26.33% 4,690.65 3,582.14 30.95% 4,349.48 3,126.98 39.10%
EBIDTM 68.69% 70.50% 71.69% 73.99% 69.91% 72.22% 69.85% 70.51%
Other Income 85.86 44.26 93.99% 95.64 104.07 -8.10% 103.14 58.98 74.87% 66.15 136.94 -51.69%
Interest 3,466.25 2,795.65 23.99% 3,362.29 2,579.34 30.35% 3,271.78 2,438.98 34.15% 3,055.13 2,205.20 38.54%
Depreciation 66.79 58.34 14.48% 63.43 74.55 -14.92% 58.43 45.24 29.16% 61.92 37.97 63.08%
PBT 1,529.64 1,268.49 20.59% 1,706.22 1,436.92 18.74% 1,463.58 1,156.90 26.51% 1,298.58 1,020.75 27.22%
Tax 393.73 326.26 20.68% 439.50 378.82 16.02% 377.05 280.74 34.31% 335.53 258.26 29.92%
PAT 1,135.91 942.23 20.56% 1,266.72 1,058.10 19.72% 1,086.53 876.16 24.01% 963.05 762.49 26.30%
PATM 15.68% 16.29% 18.03% 19.64% 16.19% 17.67% 15.47% 17.19%
EPS 13.50 11.20 20.54% 15.06 12.58 19.71% 12.92 10.42 23.99% 11.45 9.06 26.38%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 7,266.80 5,812.31 25.02% 7,045.57 5,409.90 30.23% 6,732.98 5,007.42 34.46% 6,255.12 4,622.58 35.32%
Expenses 2,286.32 1,726.90 32.39% 2,010.02 1,416.62 41.89% 2,038.10 1,411.48 44.39% 1,896.93 1,387.45 36.72%
EBITDA 4,980.48 4,085.41 21.91% 5,035.55 3,993.28 26.10% 4,694.88 3,595.94 30.56% 4,358.19 3,235.13 34.71%
EBIDTM 68.54% 70.29% 71.47% 73.81% 69.73% 71.81% 69.67% 69.99%
Other Income 86.29 44.44 94.17% 91.34 89.26 2.33% 103.78 47.34 119.22% 67.22 72.58 -7.38%
Interest 3,468.06 2,796.36 24.02% 3,364.67 2,579.40 30.44% 3,274.93 2,440.99 34.16% 3,058.57 2,204.16 38.76%
Depreciation 67.44 58.96 14.38% 64.09 75.18 -14.75% 59.15 45.79 29.18% 62.63 38.51 62.63%
PBT 1,531.27 1,274.53 20.14% 1,698.13 1,427.96 18.92% 1,464.58 1,156.50 26.64% 1,304.21 1,065.04 22.46%
Tax 394.17 327.91 20.21% 439.02 378.94 15.85% 377.44 284.37 32.73% 337.08 288.83 16.71%
PAT 1,137.10 946.62 20.12% 1,259.11 1,049.02 20.03% 1,087.14 872.13 24.65% 967.13 776.21 24.60%
PATM 15.65% 16.29% 17.87% 19.39% 16.15% 17.42% 15.46% 16.79%
EPS 13.52 11.27 19.96% 14.97 12.68 18.06% 12.94 10.38 24.66% 11.51 9.39 22.58%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 27,205.78 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 4,192.47 Net Sales Growth 32.28% 36.62% 47.72% 26.96% 5.59% 9.98% 23.75% 27.61% 17.59% 11.14% 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 27,205.78 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 4,192.47 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 8,152.53 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 1,383.58 Power & Fuel Cost - 27.43 20.91 14.59 11.07 10.11 14.21 11.90 11.09 9.08 7.66 % Of Sales - 0.11% 0.11% 0.11% 0.11% 0.11% 0.16% 0.17% 0.20% 0.19% 0.18% Employee Cost - 3,280.51 2,330.55 1,265.68 894.53 748.53 655.00 590.58 536.79 402.64 253.95 % Of Sales - 12.74% 12.37% 9.92% 8.90% 7.87% 7.57% 8.45% 9.80% 8.64% 6.06% Manufacturing Exp. - 1,237.66 1,047.16 1,019.77 806.45 581.00 611.16 465.80 368.71 389.71 429.58 % Of Sales - 4.81% 5.56% 7.99% 8.03% 6.11% 7.06% 6.66% 6.73% 8.36% 10.25% General & Admin Exp. - 495.48 394.49 324.84 232.04 121.85 162.79 132.89 142.56 165.86 126.44 % Of Sales - 1.92% 2.09% 2.55% 2.31% 1.28% 1.88% 1.90% 2.60% 3.56% 3.02% 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. - 2,583.58 1,437.93 902.05 920.21 1,413.27 940.77 338.49 328.11 562.84 0.00 % Of Sales - 10.04% 7.63% 7.07% 9.16% 14.85% 10.87% 4.84% 5.99% 12.08% 13.68% EBITDA 19,053.25 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 2,808.89 EBITDA Margin 70.03% 70.49% 72.35% 72.47% 71.60% 69.90% 72.61% 78.15% 74.88% 67.36% 67.00% Other Income 350.79 315.50 373.39 222.62 92.05 61.29 2.59 3.16 7.32 236.00 133.99 Interest 13,155.45 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 2,050.78 Depreciation 250.57 242.12 195.77 118.88 97.35 98.30 107.54 55.48 49.68 38.11 21.33 PBT 5,998.02 5,736.87 4,582.10 3,599.69 2,890.94 2,038.44 1,585.73 1,823.15 1,401.37 1,105.58 870.77 Tax 1,545.81 1,478.34 1,159.34 933.49 744.23 523.53 533.36 637.00 483.07 386.84 302.32 Tax Rate 25.77% 25.77% 25.30% 25.93% 25.74% 25.68% 33.63% 34.94% 34.47% 34.99% 34.72% PAT 4,452.21 4,258.53 3,422.76 2,666.20 2,146.71 1,514.91 1,052.37 1,186.15 918.30 718.74 568.45 PAT before Minority Interest 4,452.21 4,258.53 3,422.76 2,666.20 2,146.71 1,514.91 1,052.37 1,186.15 918.30 718.74 568.45 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 16.36% 16.54% 18.16% 20.90% 21.36% 15.92% 12.16% 16.96% 16.76% 15.43% 13.56% PAT Growth 22.35% 24.42% 28.38% 24.20% 41.71% 43.95% -11.28% 29.17% 27.77% 26.44% EPS 52.93 50.62 40.69 31.70 25.52 18.01 12.51 14.10 10.92 8.54 6.76

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 27,300.47 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 4,213.75 Net Sales Growth 30.92% 35.04% 48.55% 27.05% 5.86% 9.96% 22.92% 27.51% 18.43% 11.38% 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 27,300.47 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 4,213.75 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 8,231.37 7,673.10 5,387.90 3,622.01 2,926.72 2,914.37 2,422.89 1,634.66 1,453.29 1,553.45 1,399.64 Power & Fuel Cost - 27.47 21.28 14.69 11.07 10.11 14.44 12.16 11.31 9.29 7.91 % Of Sales - 0.11% 0.11% 0.11% 0.11% 0.11% 0.17% 0.17% 0.20% 0.20% 0.19% Employee Cost - 3,327.75 2,478.60 1,360.37 957.20 791.01 700.32 604.68 550.81 414.09 262.18 % Of Sales - 12.88% 12.95% 10.56% 9.44% 8.26% 8.04% 8.53% 9.91% 8.82% 6.22% Manufacturing Exp. - 1,259.94 1,068.27 1,030.18 814.78 584.66 615.22 507.52 376.13 392.99 432.85 % Of Sales - 4.87% 5.58% 8.00% 8.03% 6.10% 7.06% 7.16% 6.77% 8.37% 10.27% General & Admin Exp. - 500.17 406.83 329.10 234.36 125.11 165.07 183.47 197.75 181.70 130.46 % Of Sales - 1.94% 2.13% 2.55% 2.31% 1.31% 1.89% 2.59% 3.56% 3.87% 3.10% 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. - 2,585.24 1,434.20 902.36 920.38 1,413.59 942.28 338.99 328.60 564.67 0.00 % Of Sales - 10.00% 7.49% 7.00% 9.08% 14.76% 10.82% 4.78% 5.91% 12.03% 13.63% EBITDA 19,069.10 18,172.88 13,751.72 9,262.09 7,214.03 6,665.03 6,289.12 5,452.96 4,105.39 3,140.03 2,814.11 EBITDA Margin 69.85% 70.31% 71.85% 71.89% 71.14% 69.58% 72.19% 76.94% 73.86% 66.90% 66.78% Other Income 348.63 307.93 282.40 221.62 91.86 60.71 2.05 23.70 2.96 234.35 135.03 Interest 13,166.23 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 2,047.95 Depreciation 253.31 244.83 198.06 121.09 100.63 102.30 111.25 56.99 50.86 39.02 21.74 PBT 5,998.19 5,741.45 4,605.31 3,614.59 2,907.60 2,047.90 1,588.22 1,831.53 1,400.81 1,107.43 879.45 Tax 1,547.71 1,481.45 1,194.57 937.92 748.71 526.51 534.08 634.59 483.12 389.51 304.80 Tax Rate 25.80% 25.80% 25.94% 25.95% 25.75% 25.71% 33.63% 34.65% 34.49% 35.17% 34.66% PAT 4,450.48 4,260.00 3,410.74 2,676.67 2,158.89 1,521.39 1,054.14 1,198.41 919.30 719.42 574.68 PAT before Minority Interest 4,450.48 4,260.00 3,410.74 2,676.67 2,158.89 1,521.39 1,054.14 1,196.94 917.69 717.92 574.65 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.47 1.61 1.50 0.03 PAT Margin 16.30% 16.48% 17.82% 20.77% 21.29% 15.88% 12.10% 16.91% 16.54% 15.33% 13.64% PAT Growth 22.13% 24.90% 27.42% 23.98% 41.90% 44.33% -12.04% 30.36% 27.78% 25.19% EPS 52.91 50.64 40.55 31.82 25.66 18.09 12.53 14.25 10.93 8.55 6.83

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 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 3,657.41 Share Capital 168.25 168.06 164.48 164.28 164.07 163.98 156.43 156.40 156.34 156.21 Total Reserves 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 3,501.17 Non-Current Liabilities 1,17,879.08 87,011.43 90,029.63 64,587.59 58,503.03 51,465.46 45,262.77 34,713.76 15,571.81 12,404.63 Secured Loans 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 8,372.53 Unsecured Loans 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 2,562.20 Long Term Provisions 233.62 192.70 0.00 0.00 0.00 0.00 0.00 0.00 586.21 1,669.37 Current Liabilities 59,194.39 49,228.68 8,581.33 5,396.65 5,721.28 3,844.26 5,534.79 3,916.12 10,422.90 12,721.38 Trade Payables 149.23 115.37 1,188.02 802.80 595.06 302.39 336.36 271.10 275.13 196.39 Other Current Liabilities 1,938.24 1,598.90 529.99 554.69 502.64 412.88 265.10 320.10 6,792.38 8,395.32 Short Term Borrowings 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 3,974.42 Short Term Provisions 0.00 0.00 140.88 118.27 151.83 90.76 74.02 63.43 86.44 155.25 Total Liabilities 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 28,783.42 Net Block 1,771.81 1,557.01 398.60 254.44 219.47 273.46 162.62 160.75 140.04 111.32 Gross Block 2,367.07 2,188.59 880.77 639.82 517.30 475.60 265.84 205.26 296.39 231.64 Accumulated Depreciation 595.26 631.58 482.17 385.38 297.83 202.14 103.22 44.51 156.35 120.32 Non Current Assets 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 20,055.94 Capital Work in Progress 10.91 12.45 60.34 36.98 9.82 10.26 13.10 3.80 0.00 0.00 Non Current Investment 6,390.39 4,100.23 3,620.02 2,076.16 1,618.95 73.06 73.06 72.97 192.48 64.68 Long Term Loans & Adv. 220.08 364.28 326.32 276.87 179.01 177.26 167.69 178.30 116.79 1,243.45 Other Non Current Assets 2,951.33 2,539.43 0.00 0.00 0.00 0.00 0.00 0.22 530.41 448.83 Current Assets 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 8,727.48 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 46.10 1.89 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 187.58 199.00 191.06 128.01 66.43 58.74 43.49 94.00 0.00 0.00 Cash & Bank 7,025.71 2,180.21 2,961.42 4,220.08 5,231.88 6,959.10 3,674.85 887.95 470.64 490.47 Other Current Assets 213.03 364.17 563.41 533.33 619.72 526.95 216.22 76.80 8,847.74 8,235.12 Short Term Loans & Adv. 13.03 18.33 29.39 16.71 3.04 31.36 25.45 18.59 8,505.55 7,737.87 Net Current Assets -51,768.07 -46,466.97 -4,836.05 -498.52 196.75 3,700.53 -1,600.23 -2,857.38 -1,058.43 -3,993.90 Total Assets 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 28,783.42

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 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 3,669.70 Share Capital 168.25 168.06 164.48 164.28 164.07 163.98 156.42 156.40 156.34 156.21 Total Reserves 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 3,513.47 Non-Current Liabilities 1,17,888.54 87,018.21 90,028.08 64,584.76 58,497.86 51,439.73 45,247.31 34,709.66 15,571.59 11,223.66 Secured Loans 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 8,372.53 Unsecured Loans 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 2,558.70 Long Term Provisions 235.55 193.97 0.00 0.00 0.00 0.00 0.00 0.00 586.21 492.77 Current Liabilities 59,380.93 49,419.11 8,641.23 5,450.01 5,777.53 3,891.32 5,573.98 3,965.51 10,411.35 12,710.00 Trade Payables 236.94 295.69 1,235.82 847.59 641.37 319.96 360.39 314.53 298.69 208.83 Other Current Liabilities 1,947.18 1,607.71 540.75 561.85 511.71 441.62 279.62 325.52 6,795.21 8,374.31 Short Term Borrowings 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 3,971.17 Short Term Provisions 0.00 0.00 142.22 119.68 152.70 91.51 74.66 63.96 87.00 155.69 Total Liabilities 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 27,606.86 Net Block 1,779.72 1,563.22 402.55 258.47 227.46 283.03 167.17 170.45 149.73 120.27 Gross Block 2,381.91 2,209.15 897.15 654.47 534.29 490.39 272.09 216.13 314.32 248.20 Accumulated Depreciation 602.19 645.93 494.60 396.00 306.83 207.36 104.92 45.68 164.58 127.92 Non Current Assets 1,90,011.31 1,51,548.27 1,09,188.39 76,821.05 67,995.78 55,936.54 53,023.76 42,639.72 20,873.41 18,841.95 Capital Work in Progress 10.91 12.67 60.50 37.35 9.91 10.60 13.97 3.80 0.00 0.00 Non Current Investment 3,001.44 2,586.57 3,561.87 2,055.05 1,583.62 32.84 41.64 22.77 134.36 12.36 Long Term Loans & Adv. 218.08 359.04 353.69 292.07 211.76 210.10 186.23 198.28 121.50 70.46 Other Non Current Assets 2,963.39 2,563.99 0.00 33.27 123.69 4.24 3.98 0.46 532.38 451.19 Current Assets 10,926.85 4,445.20 3,804.45 4,982.72 5,879.41 7,594.37 4,006.24 1,161.25 9,409.44 8,764.91 Current Investments 3,365.97 1,449.18 0.00 0.00 0.00 0.00 0.00 0.00 47.75 3.59 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 204.19 213.46 202.34 160.95 98.71 65.55 80.36 124.61 21.84 11.53 Cash & Bank 7,123.53 2,242.81 3,007.10 4,301.84 5,279.77 7,000.74 3,708.46 951.85 493.76 509.46 Other Current Assets 233.16 539.75 364.27 218.70 500.93 528.08 217.42 84.79 8,846.09 8,240.33 Short Term Loans & Adv. 0.00 0.00 230.74 301.23 3.54 31.82 26.16 26.02 8,515.56 7,756.61 Net Current Assets -48,454.08 -44,973.91 -4,836.78 -467.29 101.88 3,703.05 -1,567.74 -2,804.26 -1,001.91 -3,945.09 Total Assets 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 27,606.86

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -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 -2,813.65 PBT 5,736.87 4,582.10 3,599.69 2,890.94 2,038.44 1,585.73 1,823.15 1,401.37 1,105.58 870.77 Adjustment 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 2,461.33 Changes in Working Capital -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 -3,765.88 Cash after chg. in Working capital -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 -433.78 Interest Paid -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 -2,043.99 Tax Paid -1,538.30 -1,272.75 -898.16 -844.78 -703.26 -573.01 -728.07 -589.33 -478.91 -398.65 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 628.64 441.71 278.75 260.42 353.99 215.75 73.79 49.33 64.73 62.77 Cash From Investing Activity -2,866.57 -2,705.47 -2,160.12 1,666.68 -1,758.88 -51.44 -3.58 -62.79 -201.55 -147.02 Net Fixed Assets -176.94 -1,259.93 -264.31 -149.68 -41.26 -206.92 -69.88 87.33 -64.75 -54.44 Net Investments -2,290.16 -480.21 -1,543.86 -457.21 -1,545.89 0.00 -0.09 165.61 -172.01 0.91 Others -399.47 -965.33 -351.95 2,273.57 -171.73 155.48 66.39 -315.73 35.21 -93.49 Cash from Financing Activity 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 3,036.85 Net Cash Inflow / Outflow 4,436.22 -68.32 -1,747.59 1,210.03 -1,908.18 322.95 2,885.14 -20.25 7.88 76.18 Opening Cash & Equivalents 841.97 910.29 2,657.88 1,447.85 3,356.03 3,138.93 253.79 274.04 266.16 189.98 Closing Cash & Equivalent 5,278.19 841.97 910.29 2,657.88 1,447.85 3,461.88 3,138.93 253.79 274.04 266.16

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Cash From Operating Activity -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 -2,809.11 PBT 5,741.45 4,605.31 3,614.59 2,907.60 2,047.90 1,588.22 1,831.53 1,400.81 1,107.43 879.45 Adjustment 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 2,457.00 Changes in Working Capital -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 -3,767.88 Cash after chg. in Working capital -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 -431.43 Interest Paid -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 -2,041.16 Tax Paid -1,541.39 -1,308.10 -902.68 -847.09 -699.29 -576.37 -731.90 -591.87 -479.76 -400.07 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 660.74 444.04 262.50 261.02 355.56 216.97 75.19 50.08 67.36 63.56 Cash From Investing Activity -2,948.12 -2,854.59 -2,148.41 1,639.54 -1,746.16 -54.05 -10.86 -60.12 -221.86 -139.64 Net Fixed Assets -176.94 -1,259.93 -264.31 -149.68 -41.26 -206.92 -69.88 87.33 -64.75 -54.44 Net Investments -2,290.16 -480.21 -1,543.86 -457.21 -1,545.89 0.00 -0.09 165.61 -172.01 0.91 Others -481.02 -1,114.45 -340.24 2,246.43 -159.01 152.87 59.11 -313.06 14.90 -86.11 Cash from Financing Activity 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 3,031.15 Net Cash Inflow / Outflow 4,434.01 -66.21 -1,786.99 1,218.48 -1,887.79 322.99 2,862.39 22.19 2.29 82.40 Opening Cash & Equivalents 845.64 911.85 2,698.84 1,480.36 3,368.15 3,161.58 299.69 277.50 275.21 190.54 Closing Cash & Equivalent 5,279.65 845.64 911.85 2,698.84 1,480.36 3,484.57 3,161.58 299.69 277.51 275.21

Financial Ratios

Consolidated /

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 278.42 231.16 172.89 141.92 116.17 99.34 78.75 65.09 54.83 46.84 ROA 2.39% 2.55% 2.74% 2.76% 2.21% 1.75% 2.36% 2.48% 2.43% 2.14% ROE 19.89% 20.36% 20.62% 20.27% 17.15% 14.72% 21.10% 19.60% 18.10% 17.96% ROCE 10.34% 10.40% 9.71% 9.33% 9.69% 10.30% 10.81% 11.31% 12.21% 11.95% Fixed Asset Turnover 11.30 12.28 16.78 17.37 19.17 23.34 29.68 21.84 17.65 20.51 Receivable days 2.74 2.67 4.56 3.53 2.40 2.16 3.59 6.26 0.00 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 83.02 97.58 102.16 101.64 88.32 Cash Conversion Cycle 2.74 2.67 4.56 3.53 2.40 -80.87 -93.99 -95.90 -101.64 -88.32 Total Debt/Equity 7.47 6.93 6.85 5.94 6.69 6.76 8.21 7.53 5.63 6.17 Interest Cover 1.46 1.50 1.63 1.67 1.45 1.35 1.51 1.53 1.50 1.42

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 278.91 231.59 173.50 142.67 116.65 99.68 79.18 65.44 55.00 47.00 ROA 2.39% 2.54% 2.75% 2.77% 2.21% 1.75% 2.37% 2.48% 2.48% 2.24% ROE 19.86% 20.23% 20.61% 20.29% 17.16% 14.68% 21.18% 19.50% 18.02% 18.12% ROCE 10.34% 10.41% 9.72% 9.34% 9.70% 10.30% 10.81% 11.30% 12.22% 11.99% Fixed Asset Turnover 11.26 12.32 16.61 17.06 18.70 22.85 29.03 20.96 16.69 19.33 Receivable days 2.95 2.98 5.15 4.67 3.13 3.06 5.28 4.81 1.30 1.01 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 85.17 103.16 112.03 107.36 94.10 Cash Conversion Cycle 2.95 2.98 5.15 4.67 3.13 -82.11 -97.89 -107.22 -106.06 -93.08 Total Debt/Equity 7.46 6.91 6.83 5.91 6.66 6.73 8.17 7.49 5.60 6.14 Interest Cover 1.46 1.50 1.63 1.68 1.45 1.35 1.51 1.53 1.50 1.43

Top Investors:

axis mutual fund trustee limited a/c axis mutual fund

new world fund inc

sbi quant fund

nps trust- a/c sbi pension fund pvt ltd apy fund scheme

smallcap world fund, inc

motilal oswal nifty 500 etf

hdfc value fund

government pension fund global

invesco india elss tax saver fund

investor education and protection fund (iepf)

Annual Reports:

News Update:

Cholamandalam Investment and Finance Company reports 20% rise in Q1 consolidated net profit
1st Aug 2025, 14:12 PM

The total consolidated income of the company increased by 25.55% at Rs 7353.09 crore for Q1FY26
Read More
Chola Invest & Fin. - Quarterly Results
31st Jul 2025, 14:50 PM

Read More

Cholamandalam Investment and Finance Company Ltd.

Finance - NBFC

BSE: 511243 | NSE: CHOLAFIN

Stock Summary

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update:

Cholamandalam Investment and Finance Company Ltd.

Finance - NBFC

BSE: 511243 | NSE: CHOLAFIN

Stock Summary

Shareholding Pattern

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: