Cholamandalam Investment and Finance Company Limited

CHOLAFINNotably above fair value

A 6-pillar fundamental profile. Each pillar scored 0–10.

6.7/10 composite
Prism for CHOLAFIN.NS: composite 6.7 of 10, verdict Notably above fair valuePULSEQUALITYMOATSAFETYGROWTHVALUE8.59.96.37.27.22.2

Pulse

8.5 · Positive

Analyst revision trend (fallback)

Pulse tracks recent momentum in price, analyst revisions, and news sentiment. Higher means more positive near-term tailwinds.

Quality

9.9 · Strong

ROA 2.13%, ROE 17.2%, C/I 39%

Quality captures profitability, return on capital, and earnings consistency. Higher means a better business.

Moat

6.3 · Moderate

Scale (mcap 128,139 Cr), C/I 39%

Moat estimates durable competitive advantages — brand, scale, switching costs. Higher means more defensible.

Safety

7.2 · Moderate

Book-value franchise proxy P/BV 4.20

Safety looks at balance-sheet quality, leverage, and cash generation. Higher means lower financial risk.

Growth

7.2 · Moderate

Adv YoY 21.6%, Dep YoY 20.6%, PAT YoY 22.8%

Growth reflects revenue and earnings expansion over recent years. Higher means faster compounding.

Value

2.2 · Above peer range

P/BV 4.20x vs sector median 1.81x (176 peers)

Value measures how the stock's price compares to its intrinsic worth. Higher means more discount to fair value.

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Model estimate. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.

Cholamandalam Investment and Finance Company Limited (CHOLAFIN) Prism — YieldIQ