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Cholamandalam Investment & Finance Company Ltd share price logo

Cholamandalam Investment & Finance Company Ltd

(CHOLAFIN)

₹1596.30.39%

as on 04:01PM, 19 Sep 2024

🔔 Growth Outlook Alert

Cholamandalam expects auto loan demand to spike during the festive season, boosting Q3 performance, with a focus on expanding mortgage and home loan offerings.

Overview
News
Financials
Q1 2024 Results
Technicals
F&O

Analyst Rating

based on 33 analysts

BUY

75.76%

Buy

15.15%

Hold

9.09%

Sell

Based on 33 analysts offering long term price targets for Cholamandalam Investment & Finance Company Ltd. An average target of ₹1529.52

Source: S&P Global Market Intelligence

Cholamandalam Investment & Finance Company Ltd Share analysis

Cholamandalam Investment & Finance Company Ltd price forecast by 33 analysts

Downside of-3.81%

High

₹1800

Target

₹1529.52

Low

₹1049

Cholamandalam Investment & Finance Company Ltd target price ₹1529.52, a slight downside of -3.81% compared to current price of ₹1596.3. According to 33 analysts rating.

Source: S&P Global Market Intelligence

Performance

  • Day's Low

    Day's High

    ₹1,574
    ₹1,614
  • 52 Week's Low

    52 Week's High

    ₹1,011.2
    ₹1,614
1 Month Return+ 17.82 %
3 Month Return+ 9.62 %
1 Year Return+ 32.62 %
Previous Close₹1,590.15
Open₹1,599.00
Volume7.76L
Upper Circuit-
Lower Circuit-
Market Cap₹1,33,640.06Cr

Key Statistics

P/E Ratio36.35
PEG Ratio3.82
Market Cap₹1,33,640.06 Cr
P/B Ratio4.97
EPS40.59
Dividend Yield0.17
SectorFinance
ROE20.22

Peer Comparison

Company
Analyst ViewMarket Cap5 Year CAGRDebt to Asset RatioNet ProfitYearly Revenue
BUY₹1,33,640.06 Cr100.74%0.94₹3,410 Cr₹19,163 Cr
BUY₹4,72,362.28 Cr25.4%0.88₹14,451 Cr₹54,971 Cr
HOLD₹42,747.15 Cr-11.4%0.51-₹1,423 Cr₹9,977 Cr
BUY₹80,975.27 Cr49.02%0.85₹4,467 Cr₹15,061 Cr
BUY₹3,01,481.74 Cr32.53%0.50₹15,595 Cr₹1,10,382 Cr

Company Information

Cholamandalam Investment and Finance Company (CIFCL) is a comprehensive financial services provider offering a variety of services such as vehicle finance, home loans, SME loans, consumer and small enterprise loan, loan against property, insurance agency, home equity loans, secured business and personal loan, wealth management, stock broking, mutual fund distribution and others across 1145 branches in India. It has achieved the assets under management of above Rs. 82000 crore. CIFCL entered into an MOU with VE Commercial Vehicles Ltd, a joint venture between the Volvo Group and Eicher Motors Ltd., to finance Eicher Heavy Duty Trucks and Buses. In the last one year, it took strategic initiatives to strengthen the position to be a strong NBFC and exited the asset management business. In FY 2021 home loans were offered across 9 states including Tamil Nadu, Andhra Pradesh, Karnataka, Madhya Pradesh, Kerala, Gujarat, Maharashtra, Rajasthan and Chhattisgarh. Through strategic partnerships, it entered the fintech space and launched Consumer and Small Enterprise Loan (CSEL), Secured Business and Personal Loan (SBPL) and SME Loans. It also made investment of Rs. 450 crores to acquire 73.8% of the Payswiff Technologies Private Limited (PTPL) and 16.29% of the equity share capital of Paytail Commerce Private Limited. In FY 2022 Home Loans were offered across 11 states including Tamil Nadu, Andhra Pradesh, Karnataka, Kerala, Haryana, Gujarat, Maharashtra, Rajasthan, Telangana Madhya Pradesh and Chhattisgarh.

Share Price: ₹1596.30 per share as on 19 Sep, 2024 04:01 PM
Market Capitalisation: ₹1,33,640.06Cr as of today
Revenue: ₹5,857.28Cr as on June 2024 (Q2 24)
Net Profit: ₹947.15Cr as on June 2024 (Q2 24)
Listing date: 12 Jul, 1995
Chairperson Name: Vellayan Subbiah
OrganisationCholamandalam Investment & Finance Company Ltd
Headquarters
IndustryFinance
E-voting on sharesClick here to vote

What's happening today

  • img

    Today's Timeline - Invalid Date

    09:06 AM

    -

    Cholamandalam expects auto loan demand to surge during the festive season, boosting Q3 performance.

    03:58 PM

    -

    Cholamandalam targets 25-30% AUM growth, focusing on asset yield and managing risks.

Key events for Cholamandalam Investment & Finance Company Ltd

  • Cholamandalam Anticipates Growth Amid Festive Demand - 19 Sep, 2024

    Cholamandalam Investment & Finance Company Ltd anticipates a spike in auto loan demand during the festive season, boosting Q3 results. The company targets 25-30% AUM growth while managing risks associated with its loan portfolio.

  • Cholamandalam Sees Growth in Vehicle Finance Sector - 18 Sep, 2024

    Cholamandalam Investment anticipates 10-15% growth in vehicle finance due to rising demand for pre-owned cars. Analysts maintain a buy rating, raising target price to ₹1,800, reflecting strong growth prospects and improved net interest margins.

  • Cholamandalam Shares Surge After Target Price Hike - 12 Sep, 2024

    Cholamandalam Investment and Finance Company shares hit an all-time high after Jefferies raised the target price to Rs 1,800, highlighting strong loan growth and favorable market conditions.

  • Cholamandalam Stock Hits All-Time High on Goldman Sachs Buy Call - 05 Sep, 2024

    Cholamandalam Investment & Finance Company Ltd saw its stock surge to an all-time high of Rs 1,797 after Goldman Sachs initiated a buy rating, projecting strong earnings growth. IIFL Securities also maintained a buy rating with a target of Rs 1,515. The company reported impressive financial results, including a significant increase in profit and total income.

  • Analysts Recommend Cholamandalam Investment Stock - 02 Sep, 2024

    IIFL Securities has recommended Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) with a target price of Rs 1,530, a stop loss at Rs 1,460, and a buying range of Rs 1,480-1,488. The stock has a potential upside of up to 3% from its closing price of Rs 1,485.9 on September 2.

  • Cholamandalam Stock Shows Signs of Recovery - 27 Aug, 2024

    Cholamandalam Investment & Finance Company Ltd's stock has formed a support base around the 100 DEMA, indicating a potential uptrend. Traders are advised to buy in the ₹1,400-1,390 range, targeting ₹1,500 and ₹1,560, with a stop loss below ₹1,300.

  • Cholamandalam Raises Rs 1,000 Crore Through Bonds - 21 Aug, 2024

    Cholamandalam Investment and Finance Co. plans to raise Rs 1,000 crore through a perpetual bond, marking the largest debt sale by an Indian private financier. This move supports capital growth amid a 22% increase in loans and a 30% rise in profits for the June quarter.

Insights on Cholamandalam Investment & Finance Company Ltd

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 1 month, CHOLAFIN stock has moved up by 17.8%

  • imgPOSITIVE IMPACT

    MF Holding Up

    img

    Mutual Funds have increased holdings from 14.09% to 14.23% in Jun 2024 quarter

  • imgPOSITIVE IMPACT

    FII Holding Up

    img

    Foreign Institutions have increased holdings from 26.00% to 26.62% in Jun 2024 quarter

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 13 quarters, 2.48K Cr → 5.85K Cr (in ₹), with an average increase of 6.9% per quarter

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Shriram Finance Ltd has given 86.4% return, outperforming this stock by 53.8%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Shriram Finance Ltd has given 170.8% return, outperforming this stock by 0.1%

  • imgNEGATIVE IMPACT

    Retail Holding Down

    img

    Retail Investor have decreased holdings from 6.61% to 6.19% in Jun 2024 quarter

  • imgNEGATIVE IMPACT

    Promoter Holding Down

    img

    Promoters have decreased holdings from 50.35% to 50.33% in Jun 2024 quarter

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Netprofit is down for the last 2 quarters, 1.06K Cr → 947.15 Cr (in ₹), with an average decrease of 11.1% per quarter

Company Financials

Value in ₹ crore
DetailsQ'2 23Q'3 23Q'4 23Q'1 24Q'2 24
Revenue₹4,170.79Cr (-)₹4,695.16Cr (↑12.57%)₹5,054.76Cr (↑7.66%)₹5,515.37Cr (↑9.11%)₹5,857.28Cr (↑6.20%)
Net Income₹709.94Cr (-)₹772.87Cr (↑8.86%)₹872.02Cr (↑12.83%)₹1,065.23Cr (↑22.16%)₹947.15Cr (↓11.08%)
Net Profit Margin17.02% (-)16.46% (↓3.29%)17.25% (↑4.80%)19.31% (↑11.94%)16.17% (↓16.26%)
Value in ₹ crore
Details2021202220232024
Total Assets₹74,551.03Cr (-)₹82,366.45Cr (↑10.48%)₹1,13,533.34Cr (↑37.84%)₹1,56,482.59Cr (↑37.83%)
Total Liabilities₹64,990.72Cr (-)₹70,658.77Cr (↑8.72%)₹99,237.29Cr (↑40.45%)₹1,36,926.08Cr (↑37.98%)
Value in ₹ crore
Details20202021202220232024
Operating Cash Flow-₹2,086.22Cr (-)-₹8,857.04Cr (↑324.55%)-₹5,607.52Cr (↓36.69%)-₹27,036.89Cr (↑382.15%)-₹35,767.52Cr (↑32.29%)

Index Inclusions

Nifty Financial

₹24,403.65

0.32 (76.75%)

BSE 100

₹26,871.89

0.09 (23.81%)

S&P BSE Fin. Ser

₹11,877.81

0.14 (16.28%)

Nifty Next 50

₹74,419.55

-0.69 (-516.6%)

BSE 200

₹11,726.75

-0.04 (-4.26%)

Nifty 500

₹23,853.95

-0.19 (-44.7%)

S&P BSE 100 LargeCap TMC

₹9,506.21

0.05 (4.73%)

S&P BSE Largecap

₹9,916.41

0.08 (7.88%)

Nifty 200

₹14,367.00

-0.09 (-13.45%)

DFRGRI Indices

₹1,564.83

0.31 (4.76%)

S&P BSE Dividend Stability

₹1,101.29

-0.59 (-6.56%)

S&P BSE 250 LargeMidCap

₹11,128.91

-0.04 (-4.49%)

NIFTY 100

₹26,425.25

0.02 (5.1%)

Nifty LargeMidcap 250

₹16,631.60

-0.25 (-41.65%)

Nifty100 Eq Weig

₹34,553.20

-0.27 (-94.8%)

S&P BSE SEN. N50

₹87,012.45

-0.22 (-194.45%)

BSE 500

₹37,616.67

-0.14 (-51.62%)

S&P BSE AllCap

₹11,001.59

-0.22 (-24.68%)

Shareholding Pattern

InvestorsHoldings %FY Quarter3M change
Promoter Holdings
50.33%
-0.05
Foreign Institutions
26.62%
2.40
Mutual Funds
14.23%
1.00
Retail Investors
6.19%
-6.40
Others
2.64%
-10.68

Key Indicators

Details20202021202220232024
Return On Equity %14.6717.0920.1920.5120.22
Details20202021202220232024
Return On Assets %1.652.042.612.352.19
Details20202021202220232024
Book Value Per Share (₹)100.01117.02143.28174.44233.15
Details20202021202220232024
Earning Per Share (₹)12.8618.5526.2832.5540.59

Cholamandalam Investment & Finance Company Ltd Valuation

Cholamandalam Investment & Finance Company Ltd in the last 5 years

  • Overview

  • Trends

Lowest (9.06x)

May 26, 2020

Industry (28.68x)

September 18, 2024

Today (36.35x)

September 18, 2024

Highest (50.04x)

May 31, 2019

LowHigh

Earnings and Dividends

  • Cholamandalam Investment & Finance Company Ltd Earnings Results

    Cholamandalam Investment & Finance Company Ltd’s net profit jumped 33.41% since last year same period to ₹947.15Cr in the Q1 2024-2025. On a quarterly growth basis, Cholamandalam Investment & Finance Company Ltd has generated -11.08% fall in its net profits since last 3-months.

    Read More about Earnings Results
  • Cholamandalam Investment & Finance Company Ltd Dividends April,2024

    In the quarter ending March 2024, Cholamandalam Investment & Finance Company Ltd has declared dividend of ₹0.70 - translating a dividend yield of 0.17%.

    Read More about Dividends

Technicals Summary

Bearish

Neutral

Bullish

Bullish

Cholamandalam Investment & Finance Company Ltd is currently in a Bullish trading position according to technical analysis indicators.

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Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) share price today is ₹1596.3

Cholamandalam Investment & Finance Company Ltd is listed on NSE

Cholamandalam Investment & Finance Company Ltd is listed on BSE

  • Today’s highest price of Cholamandalam Investment & Finance Company Ltd is ₹1614.
  • Today’s lowest price of Cholamandalam Investment & Finance Company Ltd is ₹1574.

PE Ratio of Cholamandalam Investment & Finance Company Ltd is 36.35

PE ratio = Cholamandalam Investment & Finance Company Ltd Market price per share / Cholamandalam Investment & Finance Company Ltd Earnings per share

Today’s traded volume of Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) is 7.76L.

Today’s market capitalisation of Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) is ₹133640.06Cr.

Cholamandalam Investment & Finance Company Ltd(CHOLAFINPrice
52 Week High
₹1614
52 Week Low
₹1011.2

Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) share price is ₹1596.3. It is down -1.10% from its 52 Week High price of ₹1614

Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) share price is ₹1596.3. It is up 57.86% from its 52 Week Low price of ₹1011.2

Cholamandalam Investment & Finance Company Ltd(CHOLAFINReturns
1 Day Returns
6.15%
1 Month Returns
17.82%
3 Month Returns
9.62%
1 Year Returns
32.62%