Cholamandalam Investment & Finance Company Ltd

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Cholamandalam Investment & Finance Company Ltd

₹ 1,202 -2.67%
21 Nov 4:00 p.m.
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 ₹ 1,01,103 Cr.
  • Current Price ₹ 1,202
  • High / Low ₹ 1,652 / 1,011
  • Stock P/E 26.2
  • Book Value ₹ 255
  • 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 23.4% CAGR over last 5 years

Cons

  • Stock is trading at 4.72 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 Nifty Next 50 BSE Diversified Financials Revenue Growth Index (I BSE 100 LargeCap TMC Index Nifty LargeMidcap 250 Nifty100 ESG

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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 2,496 2,557 2,605 2,770 3,017 3,356 3,741 4,100 4,623 5,007 5,428 5,812 6,255
Interest 1,078 1,046 1,071 1,130 1,340 1,543 1,734 2,006 2,204 2,441 2,579 2,796 3,059
574 795 630 879 940 912 902 1,174 1,391 1,412 1,417 1,727 1,897
Financing Profit 845 717 904 760 736 901 1,105 920 1,028 1,155 1,432 1,289 1,300
Financing Margin % 34% 28% 35% 27% 24% 27% 30% 22% 22% 23% 26% 22% 21%
1 17 52 26 50 52 93 71 73 47 88 45 68
Depreciation 24 24 28 28 28 30 36 39 39 46 75 59 63
Profit before tax 822 710 927 759 759 923 1,163 952 1,062 1,156 1,444 1,275 1,305
Tax % 26% 26% 26% 26% 26% 26% 26% 25% 27% 25% 26% 26% 26%
611 528 687 562 563 685 855 710 773 872 1,065 947 968
EPS in Rs 7.44 6.43 8.36 6.84 6.85 8.33 10.40 8.64 9.40 10.39 12.68 11.27 11.52
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 2,570 3,279 3,715 4,214 4,694 5,559 7,108 8,712 9,583 10,148 12,884 19,163 22,502
Interest 1,410 1,769 1,958 2,048 2,228 2,657 3,588 4,592 4,576 4,298 5,748 9,231 10,875
688 932 1,061 1,266 1,322 1,451 1,632 2,421 2,913 2,926 3,621 5,385 6,452
Financing Profit 472 578 696 899 1,143 1,451 1,888 1,699 2,094 2,924 3,515 4,548 5,175
Financing Margin % 18% 18% 19% 21% 24% 26% 27% 20% 22% 29% 27% 24% 23%
1 1 0 2 3 0 1 0 56 84 220 255 248
Depreciation 22 25 30 22 39 51 57 111 102 101 121 198 243
Profit before tax 452 554 666 879 1,107 1,401 1,832 1,588 2,048 2,908 3,615 4,605 5,180
Tax % 32% 34% 33% 35% 35% 34% 35% 34% 26% 26% 26% 26%
308 368 444 575 718 918 1,197 1,054 1,521 2,154 2,665 3,420 3,852
EPS in Rs 4.30 5.14 6.18 7.36 9.21 11.76 15.32 12.86 18.55 26.23 32.42 40.72 45.86
Dividend Payout % 16% 14% 11% 12% 12% 11% 8% 13% 11% 8% 6% 5%
Compounded Sales Growth
10 Years: 19%
5 Years: 22%
3 Years: 26%
TTM: 42%
Compounded Profit Growth
10 Years: 25%
5 Years: 23%
3 Years: 31%
TTM: 27%
Stock Price CAGR
10 Years: 29%
5 Years: 31%
3 Years: 26%
1 Year: 7%
Return on Equity
10 Years: 19%
5 Years: 19%
3 Years: 20%
Last Year: 20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 1,809 2,144 2,531 3,514 4,142 4,969 6,052 8,036 9,436 11,605 14,182 19,425 21,243
15,269 18,075 19,950 22,546 24,071 38,330 50,567 55,005 63,730 69,174 97,358 134,475 157,943
1,007 1,182 1,243 1,673 2,230 711 715 853 1,314 1,536 1,923 2,618 2,591
Total Liabilities 18,228 21,544 23,868 27,889 30,598 44,167 57,490 64,058 74,644 82,478 113,627 156,686 181,945
73 74 69 120 150 170 167 283 228 259 403 1,563 1,669
CWIP -0 -0 -0 -0 -0 4 14 11 10 37 60 13 -0
Investments 172 39 25 16 182 23 42 33 1,583 2,055 3,562 4,036 5,787
17,984 21,431 23,775 27,753 30,266 43,970 57,267 63,732 72,823 80,127 109,602 151,075 174,489
Total Assets 18,228 21,544 23,868 27,889 30,598 44,167 57,490 64,058 74,644 82,478 113,627 156,686 181,945

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3,754 -2,447 -2,264 -2,809 -1,468 -7,926 -9,317 -2,075 -8,848 -5,571 -27,105 -35,683
5 -83 -40 -137 -222 -60 -11 -54 -1,746 1,640 -2,148 -2,855
4,067 2,749 1,819 3,031 1,692 8,009 12,191 2,452 8,707 5,150 27,466 38,471
Net Cash Flow 317 219 -485 85 2 22 2,862 323 -1,888 1,218 -1,787 -66

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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% 19% 21% 15% 17% 20% 20% 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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Documents

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