Cholamandalam Financial Holdings Limited
CHOLAHLDNG · General/Diversified · NSE
₹1,584
Current Market Price
Fair Value (DCF)
₹3,107
Margin of Safety
+96.1%
Updated 38m ago
YieldIQ Score
60/100
Piotroski F-Score
5/9
Economic Moat
Narrow
Confidence
11%
ROE
8.1%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.30 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
400.0%
Return on capital employed
EV / EBITDA
26.1×
Enterprise multiple
Debt / EBITDA
23.1×
Leverage vs earnings
Interest Coverage
143.6×
EBIT covers interest
Current Ratio
0.93×
Short-term liquidity
Asset Turnover
0.17×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
23.4%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,584.1
Bear case
₹1,891.38
MoS +16.2%
Base case
₹3,106.9
MoS +49.0%
Bull case
₹3,782.75
MoS +58.1%
Ratio Trends
CHOLAHLDNG · last 8 annual periods
ROE
8.1%
ROCE
3.3%
Operating Margin
—
Debt / Equity
6.47×
PE
11.4×
EV / EBITDA
20.5×
Historical Financials
CHOLAHLDNG · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹13.9K Cr | ₹14.6K Cr | ₹5186 Cr | ₹7083 Cr | ₹35.0K Cr | +26.0% |
| EBITDA | — | ₹3218 Cr | ₹4018 Cr | ₹5474 Cr | ₹6740 Cr | +20.3% |
| EBIT | ₹7008 Cr | ₹7371 Cr | ₹2988 Cr | ₹4138 Cr | — | -12.3% |
| PAT | ₹1764 Cr | ₹2239 Cr | ₹901 Cr | ₹1144 Cr | ₹2174 Cr | +5.4% |
| EPS (diluted) | ₹43.93 | ₹54.49 | ₹21.72 | ₹27.32 | — | -11.2% |
| CFO | ₹-9719 Cr | ₹-5738 Cr | ₹-29.3K Cr | ₹-35.7K Cr | ₹-34.2K Cr | — |
| CapEx | — | — | — | — | ₹-341 Cr | — |
| FCF | — | — | — | — | ₹-34.5K Cr | — |
| Total Assets | — | ₹97.8K Cr | ₹131.0K Cr | ₹176.9K Cr | ₹224.6K Cr | +23.1% |
| Total Debt | ₹47.2K Cr | ₹52.0K Cr | ₹73.2K Cr | ₹104.5K Cr | ₹174.4K Cr | +38.7% |
| Shareholders' Equity | — | — | ₹16.3K Cr | ₹22.1K Cr | ₹26.9K Cr | +13.5% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CHOLAHLDNG vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| POONAWALLA POONAWALLA | — | — | Pending | -1.2% | — |
| IREDA IREDA | — | — | Pending | 16.5% | — |
| PIRAMALFIN PIRAMALFIN | — | — | Pending | -4.0% | — |
| MANAPPURAM MANAPPURAM | — | — | Pending | 9.8% | — |
| HUDCO Housing & Urban Development Corporation Limited | -100.0% | 38 | Data Limited | 15.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
12 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹3.50/sh
Last payout
2025-08-01
₹1.30
Peak payout
₹3.50
Trailing yield
0.08%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of CHOLAHLDNG →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for CHOLAHLDNG →
Compare
Head-to-head with peers
Compare CHOLAHLDNG side by side →
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Analyse CHOLAHLDNGNow →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.