Is Cholamandalam Financial Holdings a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Cholamandalam Financial Holdings Ltd is a average quality company .

Is Cholamandalam Financial Holdings undervalued or overvalued?

The key valuation ratios of Cholamandalam Financial Holdings Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone .

What is Cholamandalam Financial Holdings share price return in the past 10 years?

Cholamandalam Financial Holdings Ltd share price has appreciated 16.3% annually (CAGR) over the past ten years.

Is Cholamandalam Financial Holdings a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Cholamandalam Financial Holdings Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the P/E ratio of Cholamandalam Financial Holdings?

The latest standalone P/E ratio of Cholamandalam Financial Holdings as of 21-Nov-2024 is 464.26.

What is the P/B ratio of Cholamandalam Financial Holdings?

The latest standalone P/B ratio of Cholamandalam Financial Holdings as of 21-Nov-2024 is 22.34.

What is the 52-week high and low of Cholamandalam Financial Holdings?

The 52-week high of Cholamandalam Financial Holdings is Rs. 2151.45 and the 52-week low is Rs. 960.20.

Cholamandalam Financial Holdings Ltd - Stock Valuation and Financial Performance

Name: Cholamandalam Financial Holdings
Brand: Cholamandalam Financial Holdings

BSE: 504973 | NSE: CHOLAHLDNG | Finance - Investment | Small Cap

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Cholamandalam Fin. Share Price

₹1,505.60 -43.85 -2.83%
as on 21-Nov'24 16:59

10 Year X-Ray of Cholamandalam Fin.:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	TTM
Operating Income (₹ Cr.)	3,783	4,098	293	40.1	64.7	73.5	90.9	58.1	83.5	83.8	76
YoY Gr. Rt. %	-	8.3%	-92.9%	-86.3%	61.3%	13.7%	23.7%	-36.1%	43.9%	0.3%	-
Adj EPS (₹ )	5	6.5	36.2	1.9	3.2	3.5	4.4	1.2	3	3.1	3.3
YoY Gr. Rt. %	-	28.4%	460.1%	-94.6%	63.4%	11.7%	25.4%	-73.9%	155.2%	4.1%	-
BVPS (₹ )	66.3	70.6	103.5	51.7	54.4	56.7	59.6	60.8	63.3	65.8	69.3
YoY Gr. Rt. %	-	6.5%	46.7%	-50.1%	5.3%	4.3%	5.1%	2%	4.1%	4.1%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	2.9	3.5	17.5	1.4	6	6.4	7	1.7	4.3	4.5	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-34.5%	5.3%	-2.7%	0.3%
Adj EPS	-5.3%	-0.6%	-11.5%	4.1%
BVPS	-0.1%	3.9%	3.4%	4.1%
Share Price	16.3%	25.3%	29%	38.4%

Key Financial Ratios


RATIOS \ YEARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	TTM
Margins
Net Profit Margin (%)	2.5	3	231.4	90.6	91.9	90.5	91.7	37.4	66.5	69.1	82.4
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	7.8	9.4	41.6	2.5	6	6.4	7.6	1.9	4.8	4.8	4.8

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 4.90%

Total income growth is good in last 4 quarters

Total Income has declined 5.73 CAGR in last 3 years

Net Profit has declined -11.48 CAGR in last 3 years

Latest Financials - Cholamandalam Financial Holdings Ltd.

	Standalone	Consolidated
TTM EPS (₹)	3.3	109.4
TTM Sales (₹ Cr.)	76.1	24,236
BVPS (₹.) ⓘ	69.3	605
Reserves (₹ Cr.) ⓘ	1,283	11,342
P/BV ⓘ	22.34	2.56
PE ⓘ	464.26	14.16

From the Market
52 Week Low / High (₹)	960.20 / 2151.45
All Time Low / High (₹)	2.50 / 2151.45
Market Cap (₹ Cr.)	29,095
Equity (₹ Cr.)	18.8
Face Value (₹)	1
Industry PE ⓘ	46.4

Management X-Ray of Cholamandalam Fin.:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.17

0.03

0.02

0.01

* Pledged shares as % of Promoter's holding (%)

Valuation of Cholamandalam Fin.

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Cholamandalam Fin.

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	4,135	293	40	65	74	91	58	84	84	86
Interest Income	4,098	293	40	65	74	91	58	84	84	86
Other Income ⓘ	37	0	0	0	0	0	0	0	0	0
Expenditure ⓘ	4,014	272	4	3	3	4	24	13	10	7
Interest Expense ⓘ	140	2	0	0	0	1	22	10	7	4
Operating Expenses ⓘ	3,868	264	1	2	2	2	2	3	3	3
Provisions	6	6	3	1	1	0	0	0	0	0
Exceptional Items ⓘ	34	821	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	155	842	36	61	71	87	34	71	74	79
Taxes ⓘ	34	164	0	2	4	4	12	15	16	17
Profit After Tax	121	678	36	59	67	83	22	56	58	62
Adjusted EPS (₹)	6.5	36.2	1.9	3.2	3.5	4.4	1.2	3.0	3.1	3.3
Dividend Payout Ratio (%)	31%	14%	65%	39%	35%	15%	48%	19%	18%	17%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	1,321	1,939	969	1,020	1,064	1,118	1,141	1,187	1,236	1,288
Share Capital ⓘ	37	37	19	19	19	19	19	19	19	19
Reserves ⓘ	1,283	1,902	950	1,001	1,045	1,100	1,122	1,168	1,218	1,269
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	838	417	0	0	0	200	151	100	50	0
Current Liabilities	1,405	1,822	2	3	3	3	11	3	2	1
Trade Payables	625	612	0	0	0	1	1	1	1	1
Short term borrowings	340	266	0	0	0	0	0	0	0	0
Other Liabilities	-965	-878	0	0	0	-1	-1	-1	-1	-1
Total Liabilities ⓘ	3,563	4,178	971	1,022	1,068	1,322	1,303	1,290	1,288	1,289
Assets
Non Current Asset	2,525	2,401	914	916	955	1,278	1,279	1,280	1,281	1,280
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	2,525	2,401	914	916	955	1,278	1,279	1,280	1,281	1,280
Current Asset	1,038	1,777	57	107	113	43	24	10	8	9
Current Investment	0	0	0	24	1	0	0	0	0	0
Other Current Asset	1,038	1,777	57	83	112	43	24	10	8	9
Total Assets ⓘ	3,563	4,178	971	1,022	1,068	1,322	1,303	1,290	1,288	1,289

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	167	135	-19	66	-34	-161	52	58	53	67
Cash Flow From Investing Activity ⓘ	-54	794	0	0	0	0	0	0	0	0
Cash Flow From Financing Activity ⓘ	-117	-220	-106	-11	-21	170	-50	-60	-59	-61
Net Cash Flow ⓘ	-4	709	-125	55	-55	9	2	-2	-6	6

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	6	36	2	3	4	4	1	3	3	3
DPS (₹)	2	5	1	1	1	1	1	1	1	1
BVPS (₹)	71	104	52	54	57	60	61	63	66	69
Performance Ratios
ROA (%)	3.5	17.5	1.4	6.0	6.4	7.0	1.7	4.3	4.5	4.8
ROE (%)	9.4	41.6	2.5	6.0	6.4	7.6	1.9	4.8	4.8	4.9
ROCE (%)	11.1	27.9	1.7	6.2	6.8	7.4	4.3	6.3	6.3	6.4
Valuation Parameters
Price/Book(x)	5.2	3.7	12.1	11.9	8.5	4.9	9.9	9.8	8.2	16.3

Cholamandalam Financial Holdings Ltd Stock News

Cholamandalam Financial Holdings Ltd FAQs

What is the share price of Cholamandalam Fin.?

Company share prices are keep on changing according to the market conditions. The closing price of Cholamandalam Fin. on 21-Nov-2024 16:59 is ₹1,505.6.

What is the market cap of Cholamandalam Fin.?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Nov-2024 16:59 the market cap of Cholamandalam Fin. stood at ₹29,095.2.

What is the P/E ratio of Cholamandalam Fin.?

The latest P/E ratio of Cholamandalam Fin. as of 21-Nov-2024 16:59 is 464.3.

What is the P/B ratio of Cholamandalam Fin.?

The latest P/B ratio of Cholamandalam Fin. as of 21-Nov-2024 16:59 is 22.34.

What is the 52-week high and low of Cholamandalam Fin.?

The 52-week high of Cholamandalam Fin. is ₹2,151.5 and the 52-week low is ₹960.2.

What is the TTM revenue of Cholamandalam Fin.?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Cholamandalam Fin. is ₹76.11 ( Cr.) .

About Cholamandalam Financial Holdings Ltd

Cholamandalam Financial Holdings Limited (CFHL) (formerly known as TI Financial Holdings Limited) was incorporated in 1949 and is a part of the Murugappa Group, one of the most diversified business conglomerates of India. Consequent to the scheme of arrangement (demerger) sanctioned by the National Company Law Tribunal, the manufacturing business of the Company was transferred to a separate company and the company retained its finance business.

CFHL is registered with the Reserve Bank of India as a Non-Deposit taking Systemically Important - Core Investment Company (CIC-ND-SI) pursuant to the receipt of Certificate of Registration from the Reserve Bank of India (RBI) dated January 6, 2020, under Section 45-IA of the Reserve Bank of India Act, 1934. After the demerger, the company has significant shareholding in companies viz., Cholamandalam Investment and Finance Company Limited, Cholamandalam MS General Insurance Company Limited and Cholamandalam MS Risk Services Limited.

Business area of the company

CFHL is the holding company for the financial services and risk management businesses of the Murugappa Group and is engaged in non-banking financial business.