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Reported as ticker: CHOLAHLDNG· We're continuously improving data quality. Contact support if this persists.
Cholamandalam Financial Holdings Limited
CHOLAHLDNG · General/Diversified · NSE
₹1,431
Current Market Price
Fair Value (P/B + Residual Income)
₹1,862
Discount to FV
+30.1%
Updated just now
YieldIQ Score
50/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
10%
ROE
15.8%
Debt/Equity
13.61
Cost of Equity
9.8%
Market Cap
₹26,877 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
3.2%
Return on capital employed
Revenue CAGR (3Y)
28.2%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,431.3
Bear case
Discount -9.8%
Base case
Discount +23.1%
Bull case
Discount +45.1%
Ratio Trends
CHOLAHLDNG · last 9 annual periods
ROE
15.8%
ROCE
3.2%
Operating Margin
—
Debt / Equity
13.61×
PE
10.5×
EV / EBITDA
31.8×
Historical Financials
CHOLAHLDNG · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹15.6K Cr | ₹19.4K Cr | ₹27.3K Cr | ₹34.9K Cr | ₹40.9K Cr | +27.1% |
| EBITDA | ₹3218 Cr | ₹4018 Cr | ₹5474 Cr | ₹6361 Cr | ₹7155 Cr | +22.1% |
| EBIT | ₹7371 Cr | ₹9602 Cr | ₹14.4K Cr | — | — | +18.3% |
| PAT | ₹1023 Cr | ₹1290 Cr | ₹1773 Cr | ₹2174 Cr | ₹2441 Cr | +24.3% |
| EPS (diluted) | ₹54.49 | ₹68.72 | ₹94.39 | — | — | +14.7% |
| CFO | ₹-5738 Cr | ₹-29.3K Cr | ₹-35.7K Cr | ₹-34.2K Cr | ₹-30.0K Cr | — |
| CapEx | ₹-138 Cr | ₹-261 Cr | ₹-1169 Cr | ₹-341 Cr | ₹-360 Cr | — |
| FCF | ₹-5877 Cr | ₹-29.6K Cr | ₹-36.9K Cr | ₹-34.5K Cr | ₹-30.4K Cr | — |
| Total Assets | ₹97.8K Cr | ₹131.0K Cr | ₹176.9K Cr | ₹224.6K Cr | ₹268.3K Cr | +28.7% |
| Total Debt | ₹69.2K Cr | ₹97.2K Cr | ₹134.0K Cr | ₹174.4K Cr | ₹210.4K Cr | +32.0% |
| Shareholders' Equity | ₹6446 Cr | ₹16.0K Cr | ₹10.2K Cr | ₹12.5K Cr | ₹15.5K Cr | +24.4% |
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 |
|---|---|---|---|---|---|
 MANAPPURAM MANAPPURAM | — | — | Pending | 6.3% | 23.5× |
 POONAWALLA POONAWALLA | — | — | Pending | -1.2% | — |
 IREDA IREDA | — | — | Pending | 16.5% | — |
 HUDCO HUDCO | — | — | Pending | 18.4% | 7.9× |
 M&MFIN M&MFIN | — | — | Pending | 10.7% | 13.9× |
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
0.09%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Cholamandalam Financial Holdings Limited (CHOLAHLDNG.NS) trades at 1431.30 vs a model fair value of 1861.51, a gap of 30.1%. Piotroski F-...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of CHOLAHLDNG →
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ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for CHOLAHLDNG →
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P/B + Residual Income breakdown, peer comparison, and more.
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.