Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,189 0.33%
26 Dec - close price
cholamandalam.com BSE: 511243 NSE: CHOLAFIN
About

Cholamandalam Investment & Finance Company is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and Loan against property.[1]

Key Points

Promoter
The company is part of the Murugappa Group, a prominent Chennai-based conglomerate founded in 1900. With a $9.3 billion portfolio, the group spans three sectors with 29 businesses and nine listed companies. It operates 113 manufacturing sites in 50 countries and employs over 83,000 people. [1] [2]

Website BSE NSE
  • Market Cap ₹ 99,973 Cr.
  • Current Price ₹ 1,189
  • High / Low ₹ 1,652 / 1,011
  • Stock P/E 26.0
  • Book Value ₹ 254
  • Dividend Yield 0.17 %
  • ROCE 10.4 %
  • ROE 20.2 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 23.6% CAGR over last 5 years

Cons

  • Stock is trading at 4.68 times its book value
  • Company has low interest coverage ratio.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE 100 LargeCap TMC Index BSE Diversified Financials Revenue Growth Index (I Nifty LargeMidcap 250 BSE 250 LargeMidCap Index Nifty100 ESG

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 2,471 2,530 2,580 2,745 2,988 3,323 3,701 4,063 4,435 4,960 5,420 5,785 6,227
Interest 1,078 1,046 1,071 1,131 1,340 1,543 1,734 2,007 2,205 2,439 2,579 2,796 3,055
554 774 604 851 912 881 866 1,121 1,308 1,378 1,401 1,706 1,877
Financing Profit 839 710 905 763 736 898 1,101 934 922 1,143 1,440 1,283 1,294
Financing Margin % 34% 28% 35% 28% 25% 27% 30% 23% 21% 23% 27% 22% 21%
0 17 51 26 50 52 93 71 137 59 72 44 66
Depreciation 23 23 27 27 27 29 35 38 38 45 75 58 62
Profit before tax 817 704 929 762 758 921 1,159 968 1,021 1,157 1,437 1,268 1,299
Tax % 26% 26% 26% 26% 26% 26% 26% 25% 25% 24% 26% 26% 26%
607 524 690 566 563 684 853 726 762 876 1,058 942 963
EPS in Rs 7.39 6.38 8.40 6.89 6.86 8.33 10.38 8.83 9.27 10.43 12.60 11.21 11.46
Gross NPA % 8.53% 6.80% 6.31% 5.84% 5.37% 4.63% 4.30% 4.07% 3.92% 3.54% 3.62% 3.78%
Net NPA % 5.76% 4.80% 4.85% 4.07% 3.76% 3.11% 2.77% 2.59% 2.56% 2.32% 2.37% 2.48%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 2,554 3,262 3,690 4,192 4,660 5,479 6,992 8,653 9,519 10,055 12,757 18,960 22,391
Interest 1,411 1,771 1,960 2,051 2,231 2,659 3,589 4,592 4,576 4,299 5,749 9,231 10,869
674 918 1,044 1,250 1,286 1,369 1,525 2,367 2,862 2,852 3,510 5,207 6,362
Financing Profit 470 573 686 891 1,143 1,451 1,878 1,693 2,081 2,904 3,498 4,522 5,160
Financing Margin % 18% 18% 19% 21% 25% 26% 27% 20% 22% 29% 27% 24% 23%
1 1 0 1 1 0 1 0 56 84 220 255 241
Depreciation 20 24 29 21 38 50 55 108 98 97 119 196 240
Profit before tax 451 550 657 871 1,106 1,401 1,823 1,586 2,038 2,891 3,600 4,582 5,161
Tax % 32% 34% 34% 35% 35% 34% 35% 34% 26% 26% 26% 25%
307 364 435 568 719 918 1,186 1,052 1,515 2,147 2,666 3,423 3,840
EPS in Rs 4.28 5.08 6.06 7.28 9.20 11.75 15.17 12.84 18.47 26.15 32.44 40.75 45.70
Dividend Payout % 16% 14% 12% 12% 12% 11% 9% 13% 11% 8% 6% 5%
Compounded Sales Growth
10 Years: 19%
5 Years: 22%
3 Years: 26%
TTM: 44%
Compounded Profit Growth
10 Years: 25%
5 Years: 24%
3 Years: 31%
TTM: 27%
Stock Price CAGR
10 Years: 28%
5 Years: 31%
3 Years: 31%
1 Year: -5%
Return on Equity
10 Years: 19%
5 Years: 19%
3 Years: 20%
Last Year: 20%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 143 143 144 156 156 156 156 164 164 164 164 168 168
Reserves 1,822 2,151 2,530 3,501 4,129 4,942 6,019 8,008 9,396 11,543 14,132 19,388 21,196
15,289 18,093 19,975 22,576 24,109 38,330 50,567 55,005 63,730 69,174 97,356 134,474 157,794
931 1,159 1,225 1,655 2,201 661 684 825 1,258 1,482 1,863 2,421 2,447
Total Liabilities 18,185 21,547 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451 181,606
71 73 68 111 140 161 163 274 220 255 399 1,557 1,662
CWIP -0 -0 -0 -0 -0 4 13 10 10 37 60 12 -0
Investments 225 82 67 67 239 73 73 73 1,619 2,076 3,620 4,100 5,815
17,890 21,391 23,737 27,710 30,216 43,852 57,178 63,646 72,700 79,996 109,436 150,781 174,129
Total Assets 18,185 21,547 23,873 27,888 30,595 44,090 57,426 64,002 74,548 82,363 113,516 156,451 181,606

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3,759 -2,451 -2,271 -2,814 -1,491 -7,923 -9,331 -2,086 -8,857 -5,608 -27,037 -35,768
-8 -80 -40 -147 -202 -63 -4 -51 -1,759 1,667 -2,160 -2,705
4,087 2,751 1,826 3,037 1,701 7,965 12,220 2,461 8,708 5,151 27,449 38,405
Net Cash Flow 319 219 -485 76 8 -20 2,885 323 -1,908 1,210 -1,748 -68

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 18% 17% 18% 18% 18% 20% 21% 15% 17% 20% 21% 20%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
51.55% 51.55% 51.52% 51.50% 51.49% 51.47% 51.46% 51.43% 50.37% 50.35% 50.33% 50.24%
17.65% 17.61% 17.96% 18.69% 19.38% 19.63% 20.92% 21.51% 24.73% 26.00% 26.63% 27.17%
22.79% 23.00% 22.41% 21.92% 21.24% 21.45% 20.37% 20.04% 18.39% 17.05% 16.86% 16.58%
8.00% 7.84% 8.11% 7.90% 7.88% 7.44% 7.25% 7.03% 6.51% 6.61% 6.19% 6.02%
No. of Shareholders 1,14,3091,20,0691,25,5251,30,8331,30,1541,21,1841,40,5461,46,8151,40,6361,55,0551,43,0971,46,889

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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