Cholamandalam Financial Holdings Limited

Web: cholafhl.com NSE: CHOLAHLDNG BSE: 504973 SECTOR: Financial Services - Finance

1666 41(2%)

Volume

84k as on 26, May

Open

2,050

High

1,421

Low

1,400

1,625

VWAP

1,647

52 Week High

2,232

52 Week Low

1,305

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)

31,280

No. of Shares

18.8

P/E

602.46

P/B

29.17

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

4.84

ROCE

Profit Growth

Listing Date

25-Sep-17

Promoter Holding

46.38%

FII Holding

13.81%

DII Holding

26.09%

Price Chart

Price Performance

1 Week2%

1 Month5%

3 Months2%

6 Months11%

1 Year13%

YTD12%

Moving Average

5 Day SMA1,621

10 Day SMA1,647

20 Day SMA1,663

30 Day SMA1,637

50 Day SMA1,569

61 Day SMA1,579

80 Day SMA1,609

200 Day SMA1,760

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,723	1,642	1,694	1,721
Resistance 2	1,694	1,636	1,669	1,693
Resistance 1	1,659	1,631	1,654	1,657
Pivot Point	1,630	1,625	1,630	1,629
Support 1	1,595	1,619	1,605	1,593
Support 2	1,566	1,613	1,590	1,565
Support 3	1,531	1,607	1,566	1,529

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	(0.01) 46.38%	(0.01) 46.38%	(0.01) 46.42%	(0.01) 46.44%	(0.01) 46.45%	(-0.91) 46.45%	(0.01) 47.32%	(0.01) 47.32%	(0.01) 47.37%	(0.01) 47.37%	(-1.01) 47.37%	(0.01) 48.39%	(-0.21) 48.39%	(0.01) 48.61%	(0.01) 48.61%	(0.01) 48.62%	(0.01) 48.62%	(0.01) 48.62%	(0.01) 48.62%
FIIs	(-2.71) 13.81%	(-0.91) 16.47%	(-0.91) 17.39%	(0.61) 18.32%	(1.31) 17.68%	(0.11) 16.37%	(2.61) 16.28%	(0.01) 13.73%	(0.91) 13.78%	(-0.11) 12.87%	(1.61) 12.92%	(-0.71) 11.31%	(0.41) 11.99%	(-0.21) 11.60%	(-0.11) 11.76%	(0.21) 11.82%	(-0.51) 11.66%	(0.81) 12.14%	(0.01) 11.35%
DIIs	(2.51) 26.09%	(1.01) 23.55%	(1.11) 22.52%	(-0.41) 21.43%	(-1.11) 21.80%	(-0.11) 22.94%	(-2.51) 23.01%	(0.31) 25.51%	(-0.71) 25.24%	(-0.81) 25.96%	(-0.41) 26.71%	(0.61) 27.15%	(0.01) 26.56%	(0.01) 26.57%	(0.91) 26.54%	(0.01) 25.64%	(0.31) 25.64%	(-0.61) 25.32%	(0.01) 25.96%
Government	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.46%	0.00%	0.00%	0.00%	0.00%
Public	13.26%	13.14%	13.21%	13.34%	13.62%	13.78%	12.93%	12.99%	13.15%	13.34%	12.53%	12.68%	12.59%	12.78%	12.62%	13.93%	14.09%	13.92%	14.07%
No. of Shareholders	47,752	44,225	47,995	50,780	46,380	48,703	38,454	32,946	32,532	43,358	30,623	23,170	21,678	21,289	20,962	22,172	21,279	21,226	21,349

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	10366	9949	9461	9296	8913	8489	8090	7633	7066	6795	6317	5626	5186	4725	4298	3937	3743	3726	3583	3591
Expenses	4541	4487	4359	4142	3709	3772	3537	3253	2932	2978	2898	2588	2244	2212	2153	1999	1719	1921	1589	1963
Operating Profit	2070	1814	1585	1687	1843	1438	1496	1584	1552	1371	1210	1025	1199	2513	2145	1938	2023	1805	1995	1628
OPM %	20	18	17	18	21	17	18	21	22	20	19	18	23	53	50	49	54	48	56	45
Other Income	156	137	130	88	98	106	91	45	110	48	55	89	97	52	57	26	52	18	1	0
Interest	3755	3648	3518	3468	3361	3280	3058	2796	2582	2445	2209	2013	1743	1551	1347	1137	1079	1054	1085	1109
Depreciation	84	87	83	79	79	72	74	70	88	55	52	52	50	44	42	41	42	38	37	38
Profit before tax	2142	1863	1632	1696	1862	1471	1513	1559	1574	1363	1213	1062	1246	970	813	786	954	732	874	481
Tax %	24	26	26	26	27	26	26	26	27	25	27	25	28	26	25	26	28	26	25	26
Net Profit	1626	1386	1214	1260	1362	1093	1125	1160	1144	1027	888	792	901	720	606	582	687	543	652	357
EPS in Rs	36.59	33.32	29.29	30.81	32.68	25.89	27.99	29.2	27.32	24.88	22.41	19.78	21.72	17.69	15.07	14.25	16.23	13.26	16.14	8.86

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	39073	33196	25830	18154	14644	13900	13135	10926	8909	2688	8004	9696	8807	7724
Expenses	17529	14269	11389	8597	7210	6807	6588	5147	4490	2377	7029	6542	5991	5422
Operating Profit	7155	6433	5191	3780	3106	2485	1954	2192	1764	311	-1	1051	2815	2302
OPM %	18	19	20	21	21	18	15	20	20	12	0	11	32	30
Other Income	510	262	256	221	92	60	1	21	0	1	1538	123	29	25
Interest	14388	12494	9249	5778	4328	4608	4592	3587	2655	0	976	2103	1896	1520
Depreciation	333	296	248	176	154	145	150	78	70	17	163	171	159	133
Profit before tax	7333	6400	5200	3824	3044	2400	1806	2135	1695	295	1374	1003	789	674
Tax %	25	26	26	26	26	27	36	34	34	30	27	32	34	32
Net Profit	5485	4740	3851	2810	2239	1764	1165	1415	1127	538	1181	684	518	458
EPS in Rs	130.01	115.76	94.39	68.71	54.49	43.93	29.34	37.12	29.32	24.26	55.47	22.68	16.66	15.45
Dividend Payout %	1	1	1	1	1	1	2	3	4	1	9	9	12	13

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	-30033	-34201	-35726	-29329	-5738	-9719	-1914	-9274	-6302	594	-500	-1685	-1872	-3228
Cash from Investing Activity	-2528	-1038	-2625	295	-135	-62	-96	-94	-1825	-1263	193	-461	-499	-838
Cash from Financing Activity	35650	39652	38269	27288	7073	7688	2427	12171	8287	-69	748	1704	2643	4465
Net Cash Flow	3089	4413	-82	-1746	1199	-2093	417	2803	160	-738	441	-443	272	398

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	19	19	19	19	19	19	19	19	19	19	19	19	37	37	37	37
Reserves	15435	13651	12496	11342	10223	7642	6427	5367	4572	3925	3291	2745	3287	2290	1914	1622
Borrowings	0	186993	0	157330	0	0	0	0	0	0	0	0	0	0	19464	16604
Other Liabilities	42479	39220	37733	34987	32662	26181	22097	19432	16147	13546	11897	5129	4900	6579	5887	4837
Total Liabilities	268333	239882	224615	203678	176917	131033	97771	88616	75855	67937	53407	7892	9665	30338	27302	23100
Fixed Assets	2278	2296	2029	1926	1784	623	464	447	479	306	311	102	1336	1521	1318	1258
CWIP	28	9	54	0	35	60	40	10	11	14	4	0	56	40	201	164
Investments	24968	25304	24271	22463	20058	17536	13282	11678	8893	7552	6211	6536	5141	2665	2116	1688
Other Assets	241059	212273	198261	179288	155041	112813	83984	76481	66472	60065	46881	1254	3131	26112	23667	19990
Total Assets	268333	239882	224615	203678	176917	131033	97771	88616	75855	67937	53407	7892	9665	30338	27302	23100

Delivery

#	Date	1305 39% 1810	Value (Cr)	Q/T 17	Del 45	Del 39
1	27-May	1637	22	9	44	10
2	26-May	1652	14	8	44	6
3	25-May	1625	23	10	45	10
4	22-May	1598	13	7	60	8
5	21-May	1606	11	6	51	6
6	20-May	1631	34	6	46	16
7	19-May	1673	22	8	46	10
8	18-May	1645	15	8	58	9
9	15-May	1658	10	4	52	5
10	14-May	1686	15	7	55	8
11	13-May	1702	10	5	37	4
12	12-May	1716	15	9	27	4
13	11-May	1764	29	10	48	14
14	8-May	1781	62	20	52	32
15	7-May	1755	26	11	48	13
16	6-May	1733	23	11	29	6
17	5-May	1714	49	14	29	14
18	4-May	1673	476	16	13	62
19	30-Apr	1556	20	7	43	8
20	29-Apr	1548	28	14	58	16
21	28-Apr	1551	76	28	75	57
22	27-Apr	1587	18	9	44	8
23	24-Apr	1569	31	10	43	14
24	23-Apr	1575	14	11	54	8
25	22-Apr	1583	41	11	70	28
26	21-Apr	1575	36	11	48	17
27	20-Apr	1609	18	10	31	6
28	17-Apr	1641	29	11	48	14
29	16-Apr	1582	23	11	39	9
30	15-Apr	1564	98	29	75	73
31	13-Apr	1565	23	11	48	11
32	10-Apr	1597	35	14	30	10
33	9-Apr	1581	115	18	13	14
34	8-Apr	1634	728	30	10	74
35	7-Apr	1397	52	19	61	32
36	6-Apr	1428	18	8	42	7
37	2-Apr	1397	17	9	47	8
38	1-Apr	1387	32	9	42	13
39	30-Mar	1365	31	10	54	17
40	27-Mar	1389	53	18	79	42
41	25-Mar	1402	56	11	65	36
42	24-Mar	1375	56	8	53	30
43	23-Mar	1351	54	13	61	33
44	20-Mar	1408	61	10	63	38

Daily Market Cap

Date	Total Market Cap	Change	Chg %
26-May	31,280c	505c	1.64
25-May	30,775c	449c	1.48
21-May	30,326c	287c	0.94
20-May	30,613c	746c	2.38
19-May	31,359c	415c	1.34
18-May	30,944c	143c	0.46
15-May	31,087c	550c	1.74
14-May	31,637c	192c	0.60
13-May	31,828c	560c	1.73
12-May	32,388c	903c	2.71
11-May	33,291c	299c	0.90
07-May	32,993c	913c	2.84
06-May	32,080c	92c	0.29
05-May	32,172c	1,089c	3.50
04-May	31,083c	1,769c	6.03
30-Apr	29,314c	171c	0.59
29-Apr	29,143c	19c	0.06
28-Apr	29,124c	237c	0.82
24-Apr	28,888c	999c	3.34
23-Apr	29,887c	30c	0.10
22-Apr	29,857c	224c	0.75
21-Apr	29,633c	1,390c	4.48
20-Apr	31,023c	291c	0.95
17-Apr	30,732c	1,284c	4.36
15-Apr	29,447c	0	0

Stock Checklist

Price is below from 52 week high low average: 22%

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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