Cholamandalam Investment and Finance Company

₹1,770As of Sun 8 Nov 2026, 12:00 UTC

NSE:CHOLAFINFinancials

Country India

PE (Fwd) 21.67

TSR 10Y CAGR 22.63%

Div yield 0.11%

ROTE —

Credit Services

Beta (5Y) 0.46

PE TTM 28.62

TSR TTM 4.42%

Mkt cap ₹1.524T

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹1,931

9.12%

(23.63%)

Price above Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

167.1

Revenue₹B

—

58.62

71.51

99.27

133.7

167.1

193.8

29.93%

24.97

Revenue growth%

—

21.98

38.81

34.70

24.97

15.99

29.83

—

NIM%

—

37.22

Effic. R.%

—

35.50

37.56

40.56

38.57

37.22

37.28

37.56

—

31.32

Net margin%

—

36.74

37.26

34.45

31.88

31.32

31.33

34.45

28.62

P/E ratio (avg)x

—

21.95

22.07

27.34

26.66

25.55

24.66

25.55

—

P/TBVx

—

P/Bx

—

140.4

NII₹B

—

52.89

63.49

84.14

112.7

140.4

162.7

27.64%

—

24.54

NII grth%

—

20.05

32.52

33.98

24.54

15.93

28.53

—

ROTE%

—

Return on equity%

—

Return on assets%

—

61.83

EPS₹

—

26.19

32.38

41.06

50.60

61.83

71.76

23.95%

—

22.20

EPS growth%

—

23.63

26.80

23.24

22.20

16.05

23.44

—

Bookvalue per sh₹

—

TBV/sh₹

—

2.00

Dividend per sh₹

—

2.00

2.05

—

0.11

Div yield (avg)%

—

0.35

0.28

0.18

0.15

0.13

0.12

0.18

3.23

Payout ratio%

—

7.64

6.18

4.87

3.95

3.23

2.86

4.87

846.2

Shares (diluted)M

—

822.2

822.9

832.9

842.4

846.2

◌846.2

0.72%

(0.46)

Buyback yield%

—

(0.09)

(1.22)

(1.14)

(0.46)

◌—

(0.80)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$16.24B)

Cap (US$)

Tata Capital Limited

16.05B

25.40x

Muthoot Finance Limited

12.27B

9.442x

Power Finance Corporat…

11.55B

4.120x

Fidelity National…

14.81B

4.308x

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

(0.34)

(0.66)

Owners

Insiders/Inst%

0.84

34.12

Short interest%

—

SBC / revenue%

0.53

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

4/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicle, two- and three- wheelers, and tractors and farm equipment, as well as construction equipment.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹167.1B

29.93%

1.00×

Non-interest expense

₹62.19B

31.48%

1.05×

Revenue mix

Trend

Net interest income

84.02%

Non-interest income

15.98%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m