Cholamandalam Investment and Finance Company Limited
CHOLAFIN · NBFC · NSE
₹1,574
Current Market Price
Fair Value (DCF)
₹1,739
Margin of Safety
+10.5%
Updated just now
YieldIQ Score
47/100
Piotroski F-Score
3/9
Economic Moat
Narrow
Confidence
75%
ROE
18.0%
Debt/Equity
0.00
WACC
11.0%
Market Cap
₹1.34 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
200.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.08×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
9.9%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,574
Bear case
₹1,216.97
MoS -29.3%
Base case
₹1,738.53
MoS +9.5%
Bull case
₹2,260.09
MoS +30.4%
Ratio Trends
CHOLAFIN · last 8 annual periods
ROE
18.0%
ROCE
3.2%
Operating Margin
—
Debt / Equity
7.42×
PE
75.8×
EV / EBITDA
—
Historical Financials
CHOLAFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹9579 Cr | ₹10.1K Cr | ₹3741 Cr | ₹5428 Cr | ₹13.4K Cr | +8.8% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹6623 Cr | ₹7205 Cr | ₹2897 Cr | ₹4007 Cr | — | -11.8% |
| PAT | ₹1521 Cr | ₹2154 Cr | ₹855 Cr | ₹1065 Cr | ₹4263 Cr | +29.4% |
| EPS (diluted) | ₹18.52 | ₹26.19 | ₹10.39 | ₹12.65 | — | -9.1% |
| CFO | ₹-8842 Cr | ₹-5571 Cr | ₹-27.1K Cr | ₹-35.7K Cr | ₹-32.4K Cr | — |
| CapEx | — | — | — | — | ₹-200 Cr | — |
| FCF | — | — | — | — | ₹-32.6K Cr | — |
| Total Assets | — | ₹82.5K Cr | ₹113.6K Cr | ₹156.7K Cr | ₹201.9K Cr | +25.1% |
| Total Debt | ₹47.2K Cr | ₹52.0K Cr | ₹73.2K Cr | ₹104.5K Cr | ₹175.6K Cr | +38.9% |
| Shareholders' Equity | — | — | ₹14.3K Cr | ₹19.6K Cr | ₹23.7K Cr | +13.3% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CHOLAFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| IRFC IRFC | — | — | Pending | 12.3% | — |
| MUTHOOTFIN MUTHOOTFIN | — | — | Pending | 17.8% | — |
| PFC Power Finance Corporation Limited | -100.0% | 17 | Data Limited | 14.8% | — |
| RECLTD REC Limited | -100.0% | 20 | Data Limited | 20.3% | — |
| SHRIRAMFIN SHRIRAMFIN | — | — | Pending | 16.9% | — |
Click a ticker to view its fair-value analysis.
Dividend History
20 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹10.00/sh
Last payout
2026-02-05
₹1.30
Peak payout
₹1.30
Trailing yield
0.13%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Cholamandalam Investment and Finance Company Limited (CHOLAFIN.NS) trades at 1574.00 vs a model fair value of 1738.53, a gap of 10.5%. Pi...
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Risk profile of CHOLAFIN →
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ROE decomposition
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Analyse CHOLAFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.