Cholamandalam Investment and Finance Company Limited

Web: cholamandalam.com NSE: CHOLAFIN BSE: 511243 SECTOR: Financial Services - Finance

1580 13(1%)

Volume

9L as on 26, May

Open

1,430

High

1,257

Low

1,183

1,567

VWAP

1,576

52 Week High

1,832

52 Week Low

1,299

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,34,667

No. of Shares

85.2

P/E

25.33

P/B

6.18

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

18.61

ROCE

Profit Growth

Listing Date

15-May-96

Promoter Holding

49.25%

FII Holding

24.87%

DII Holding

19.91%

Price Chart

Price Performance

1 Week4%

1 Month0%

3 Months10%

6 Months8%

1 Year6%

YTD9%

Moving Average

5 Day SMA1,544

10 Day SMA1,545

20 Day SMA1,583

30 Day SMA1,575

50 Day SMA1,532

61 Day SMA1,559

80 Day SMA1,591

200 Day SMA1,615

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,663	1,605	1,631	1,676
Resistance 2	1,631	1,600	1,612	1,638
Resistance 1	1,611	1,596	1,600	1,624
Pivot Point	1,580	1,591	1,580	1,586
Support 1	1,560	1,586	1,560	1,573
Support 2	1,528	1,582	1,548	1,535
Support 3	1,508	1,577	1,528	1,521

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(-0.51) 49.25%	(-0.21) 49.72%	(0.01) 49.88%	(0.01) 49.90%	(0.01) 49.92%	(-0.31) 49.93%	(-0.11) 50.24%	(0.01) 50.33%	(0.01) 50.35%	(-1.11) 50.37%	(0.01) 51.43%	(0.01) 51.46%	(0.01) 51.47%	(0.01) 51.49%	(0.01) 51.50%	(0.01) 51.52%	(0.01) 51.55%	(0.01) 51.55%	(0.01) 51.57%
FIIs	(-1.71) 24.87%	(-0.31) 26.56%	(-1.11) 26.85%	(-0.31) 27.96%	(0.81) 28.23%	(0.31) 27.43%	(0.51) 27.17%	(0.61) 26.63%	(1.31) 26.00%	(3.21) 24.73%	(0.61) 21.51%	(1.31) 20.92%	(0.31) 19.63%	(0.71) 19.38%	(0.71) 18.69%	(0.41) 17.96%	(0.01) 17.61%	(-0.21) 17.65%	(0.01) 17.88%
DIIs	(2.41) 19.91%	(0.31) 17.54%	(1.21) 17.27%	(0.61) 16.05%	(-0.61) 15.49%	(-0.51) 16.10%	(-0.31) 16.58%	(-0.21) 16.86%	(-1.31) 17.05%	(-1.71) 18.39%	(-0.31) 20.04%	(-1.11) 20.37%	(0.21) 21.45%	(-0.71) 21.24%	(-0.51) 21.92%	(-0.61) 22.41%	(0.21) 23.00%	(0.31) 22.79%	(0.01) 22.54%
Public	5.95%	6.16%	6.00%	6.07%	6.36%	6.56%	6.02%	6.19%	6.61%	6.51%	7.03%	7.25%	7.44%	7.88%	7.90%	8.11%	7.84%	8.00%	8.01%
No. of Shareholders	160,428	170,050	165,068	183,933	178,471	176,231	146,889	143,097	155,055	140,636	146,815	140,546	121,184	130,154	130,833	125,525	120,069	114,309	107,443

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	8417	7898	7491	7267	7046	6733	6255	5812	5410	5007	4623	4100	3741	3356	3017	2770	2605	2557	2496	2482
Expenses	2597	2554	2460	2286	2010	2038	1897	1727	1417	1412	1391	1174	902	912	940	879	630	795	574	910
Operating Profit	2067	1698	1514	1512	1671	1420	1300	1289	1414	1155	1028	920	1105	901	736	760	904	717	845	468
OPM %	25	22	20	21	24	21	21	22	26	23	22	22	30	27	24	27	35	28	34	19
Other Income	148	111	123	87	92	105	68	45	105	47	73	71	93	52	50	26	52	17	1	0
Interest	3753	3646	3517	3468	3365	3275	3059	2796	2579	2441	2204	2006	1734	1543	1340	1130	1071	1046	1078	1104
Depreciation	72	74	71	67	64	59	63	59	75	46	39	39	36	30	28	28	28	24	24	25
Profit before tax	2143	1736	1566	1532	1699	1466	1305	1275	1444	1156	1062	952	1163	923	759	759	927	710	822	443
Tax %	23	26	26	26	26	26	26	26	26	25	27	25	26	26	26	26	26	26	26	26
Net Profit	1645	1290	1160	1138	1260	1088	968	947	1065	872	773	710	855	685	563	562	687	528	611	329
EPS in Rs	19.31	15.28	13.78	13.53	14.98	12.94	11.52	11.27	12.68	10.39	9.4	8.64	10.4	8.33	6.85	6.84	8.36	6.43	7.44	4.01

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	31073	25890	19163	12884	10148	9583	8712	7108	5559	4694	4214	3715	3279	2570
Expenses	9898	7670	5385	3621	2926	2913	2421	1632	1451	1322	1266	1061	932	688
Operating Profit	6791	5725	4548	3515	2924	2094	1699	1888	1451	1143	899	696	578	472
OPM %	22	22	24	27	29	22	20	27	26	24	21	19	18	18
Other Income	469	261	255	220	84	56	0	1	0	3	2	0	1	1
Interest	14384	12495	9231	5748	4298	4576	4592	3588	2657	2228	2048	1958	1769	1410
Depreciation	284	245	198	121	101	102	111	57	51	39	22	30	25	22
Profit before tax	6977	5741	4605	3615	2908	2048	1588	1832	1401	1107	879	666	554	452
Tax %	25	26	26	26	26	26	34	35	34	35	35	33	34	32
Net Profit	5233	4263	3420	2665	2154	1521	1054	1197	918	718	575	444	368	308
EPS in Rs	61.41	50.69	40.72	32.42	26.23	18.55	12.86	15.32	11.76	9.21	7.36	6.18	5.14	4.3
Dividend Payout %	3	4	5	6	8	11	13	8	11	12	12	11	14	16

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	-30021	-32413	-35683	-27105	-5571	-8848	-2075	-9317	-7926	-1468	-2809	-2264	-2447	-3754
Cash from Investing Activity	-2554	-2948	-2855	-2148	1640	-1746	-54	-11	-60	-222	-137	-40	-83	5
Cash from Financing Activity	35610	39795	38471	27466	5150	8707	2452	12191	8009	1692	3031	1819	2749	4067
Net Cash Flow	3035	4434	-66	-1787	1218	-1888	323	2862	22	2	85	-485	219	317

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	170	168	168	168	168	164	164	164	164	156	156	156	156	144	143	143
Reserves	30288	25774	23500	21243	19425	14182	11605	9436	8036	6052	4969	4142	3514	2531	2144	1809
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	3920	3141	3182	2591	2618	1923	1536	1314	853	715	711	2230	1673	1243	1182	1007
Total Liabilities	245448	216746	201887	181945	156686	113627	82478	74644	64058	57490	44167	30598	27889	23868	21544	18228
Fixed Assets	1883	1922	1780	1669	1563	403	259	228	283	167	170	150	120	69	74	73
CWIP	28	9	11	0	13	60	37	10	11	14	4	0	0	0	0	0
Investments	6646	7140	6367	5787	4036	3562	2055	1583	33	42	23	182	16	25	39	172
Other Assets	236892	207675	193729	174489	151075	109602	80127	72823	63732	57267	43970	30266	27753	23775	21431	17984
Total Assets	245448	216746	201887	181945	156686	113627	82478	74644	64058	57490	44167	30598	27889	23868	21544	18228

OI Chart

Price

Delivery

#	Date	1299 34% 1735	Value (Cr)	Q/T 43	Del 58	Del 294
1	27-May	1579	88	19	46	40
2	26-May	1567	136	24	49	67
3	25-May	1591	264	33	52	136
4	22-May	1540	197	36	59	116
5	21-May	1504	198	25	49	98
6	20-May	1519	129	21	56	72
7	19-May	1511	158	23	49	78
8	18-May	1528	125	27	50	62
9	15-May	1546	137	24	44	60
10	14-May	1567	208	32	54	113
11	13-May	1575	166	17	48	79
12	12-May	1561	261	23	56	147
13	11-May	1624	265	33	66	176
14	8-May	1674	154	19	62	96
15	7-May	1689	447	45	65	289
16	6-May	1712	468	23	62	292
17	5-May	1657	444	25	63	280
18	4-May	1640	918	49	54	497
19	30-Apr	1563	1108	42	49	548
20	29-Apr	1553	112	22	48	54
21	28-Apr	1536	149	18	55	82
22	27-Apr	1561	454	48	57	260
23	24-Apr	1568	189	24	47	89
24	23-Apr	1543	286	29	60	170
25	22-Apr	1566	270	23	69	187
26	21-Apr	1589	97	19	51	50
27	20-Apr	1569	127	23	51	65
28	17-Apr	1579	184	28	54	98
29	16-Apr	1570	439	51	52	229
30	15-Apr	1551	218	21	50	109
31	13-Apr	1507	515	45	64	329
32	10-Apr	1581	369	49	67	246
33	9-Apr	1533	336	32	60	202
34	8-Apr	1554	625	29	54	340
35	7-Apr	1415	205	28	53	108
36	6-Apr	1393	517	69	72	370
37	2-Apr	1356	298	29	53	157
38	1-Apr	1374	313	29	64	201
39	30-Mar	1355	506	30	55	278
40	27-Mar	1416	462	21	66	303
41	25-Mar	1474	378	28	66	249
42	24-Mar	1419	345	22	55	191
43	23-Mar	1381	357	30	58	206
44	20-Mar	1440	356	27	65	232

Daily Market Cap

Date	Total Market Cap	Change	Chg %
28-May	1,34,667c	324c	0.24
27-May	1,34,343c	750c	0.56
26-May	1,35,093c	597c	0.44
25-May	1,35,690c	6,648c	5.15
22-May	1,29,042c	341c	0.26
21-May	1,28,701c	426c	0.33
20-May	1,29,127c	298c	0.23
19-May	1,28,829c	571c	0.44
18-May	1,29,400c	2,710c	2.05
15-May	1,32,110c	656c	0.49
14-May	1,32,767c	1,756c	1.31
12-May	1,34,522c	4,228c	3.05
11-May	1,38,750c	5,225c	3.63
07-May	1,43,975c	247c	0.17
06-May	1,44,222c	3,247c	2.30
05-May	1,40,975c	2,689c	1.94
04-May	1,38,286c	9,994c	7.79
30-Apr	1,28,291c	3,255c	2.47
29-Apr	1,31,546c	758c	0.58
28-Apr	1,30,788c	9c	0.01
24-Apr	1,30,796c	213c	0.16
23-Apr	1,31,009c	2,335c	1.75
22-Apr	1,33,344c	2,173c	1.60
21-Apr	1,35,517c	971c	0.72
17-Apr	1,34,545c	2,190c	1.65
15-Apr	1,32,356c	0	0

Stock Checklist

Price is above from 52 week high low average: 5%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

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