Chola Invest & Fin.

Cholamandalam Investment and Finance Company Ltd.

NSE: CHOLAFIN BSE: 511243 SECTOR: Finance - NBFC  68k   583   105

776.10
-5.60 (-0.72%)
NSE: Today, 12:54 PM

Price Summary

Today's High

₹ 793

Today's Low

₹ 772.15

52 Week High

₹ 801

52 Week Low

₹ 469.25

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 63760.56 Cr.

Advances

₹ 65839.34 Cr.

No. of Shares

82.16 Cr.

P/E

26.73

P/B

5.22

Face Value

₹ 2

Div. Yield

0.25 %

Book Value (TTM)

₹  148.72

Operating Revenue

₹ 10048.29 Cr.

Net Profit

₹ 2146.71 Cr.

Promoter Holding

51.52 %

EPS (TTM)

₹  29.04

Sales Growth

9.98

ROE

17.15 %

ROCE

9.69%

Profit Growth

43.95 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 31 Indices.

NIFTYJR

Nifty Next 50
43250.5
  -326.400000000001 (-0.749020696745295%)

NIFTY100WEIGHT

Nifty100 Equal Weight
20959.45
  -204.700000000001 (-0.967201612160185%)

NFTY200MOM30

Nifty200 Momentum 30
18920.35
  -244.5 (-1.2757730950151%)

NIFTYFINANCE

Nifty Financial Services
18136.6
  -269.450000000001 (-1.46392083037915%)

NIFTY100

Nifty 100
18094.1
  -170.300000000003 (-0.932414971200823%)

NTYFIN2550

Nifty Financial Services 25/50
17869.25
  -254.799999999999 (-1.40586679025935%)

NIFTY500

Nifty 500
15263.4
  -141.200000000001 (-0.916609324487494%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10034.4
  -92.7000000000007 (-0.915365701928494%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9871.65
  -87.9500000000007 (-0.883067593076037%)

NIFTY200

Nifty 200
9463.2
  -90.2999999999993 (-0.945203328623012%)

NIFTYTOTALMCAP

Nifty Total Market index
8487.65
  -77.5500000000011 (-0.905407929762303%)

NIFTY100ESG

NIFTY100 ESG
3511.7
  -24.4500000000003 (-0.69142994499668%)

NIFTYHIGHBETA

Nifty High Beta 50
2099.02
  25.6199999999999 (1.23565158676568%)

NT100ALP30

NIFTY100 Alpha 30
12454.38
  71.7199999999993 (0.579197038439228%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
17437.46
  309.57 (1.80740301344766%)

SNXT50

S&P Bse Sensex Next 50
50351.12
  -499.019999999997 (-0.981354230293163%)

MIDCAP

S&P Bse Mid Cap
25013.22
  -273.289999999997 (-1.08077389881006%)

BSE500

S&P Bse 500
24333.24
  -227.5 (-0.926275022658107%)

BSE100

S&P Bse 100
18202.16
  -179.32 (-0.97554712678195%)

MIDSEL

S&P Bse MidCap Select Index
10083.91
  -125.380000000001 (-1.22809715465033%)

MID150

S&P Bse 150 MidCap
8878.57
  -95.0699999999997 (-1.05943630455423%)

FIN

S&P Bse Finance
8400.93
  -130.49 (-1.52952263515335%)

BSE200

S&P Bse 200
7777.48
  -74.5200000000004 (-0.949057564951605%)

LMI250

S&P Bse 250 LargeMidCap
7355.23
  -69.0300000000007 (-0.929789635600053%)

ALLCAP

S&P Bse Allcap
6983.48
  -64.3400000000001 (-0.912906402263391%)

MSL400

S&P Bse 400 MidSmallCap
6654.08
  -67.5 (-1.00422817254276%)

CARBONEX

S&P Bse Carbonex
2947.21
  -28.29 (-0.950764577381946%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1063.59
  -17.8300000000002 (-1.64875811433117%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7373.63
  11.5 (0.156204793993053%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
7174.74
  26.6799999999994 (0.373248126064962%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year5.59%
3 Year12.85%
5 Year16.61%

Profit Growth

1 Year41.71%
3 Year21.86%
5 Year24.46%

ROE%

1 Year20.27%
3 Year17.38%
5 Year18.57%

ROCE %

1 Year9.33%
3 Year9.77%
5 Year10.29%

ROA%

2.76145841681324

PEG Ratio

0.61

PAT Margin (%)

15.9195923501552

EPS Growth(%)

43.8734346769672

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 51.52 0.03
Mar 2022 51.55 0
Dec 2021 51.55 0.03
Sep 2021 51.57 0
Jun 2021 51.61 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 3.7571631234345%.
  • Company has a healthy Return on Equity (ROE) track record of 17.3806108466567%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 12.8488167672031%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 15.9333854894367%.
  • Promoters shareholding is 51.55%.

 Limitations

  • Provision and contingencies have increased by 44.3160803486024%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Operating Revenue 2466.89 2470.56 2530.1 2580.34 2745.1
Other Income 11.32 0.13 0.12 51.41 25.83
Interest Expended 1103.82 1077.81 1046.04 1071.15 1130.87
Operating Expenses 909.75 553.69 756.55 603.77 851.36
Total Provisions 0 0 0 0 0
Depreciation 23.91 22.66 23.37 27.41 26.97
Profit Before Tax 440.73 816.53 704.26 929.42 761.73
Tax 113.93 209.99 180.47 239.84 196.07
Net Profit 326.8 606.54 523.79 689.58 565.66

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 5479.23 6991.97 8652.63 9516.01 10048.29
Other Income 7.32 3.16 2.59 61.29 92.05
Interest 2659.33 3588.74 4592.23 4575.91 4298.82
Operating Expenses 1097.74 1244.75 1536.49 1549.68 2030.37
Total Provisions 328.11 338.49 940.77 1413.27 920.21
Exceptional Items 0 0 0 0 0
Profit Before Tax 1401.37 1823.15 1585.73 2038.44 2890.94
Tax 483.07 637 533.36 523.53 744.23
Profit After Tax 918.3 1186.15 1052.37 1514.91 2146.71
Adjusted EPS (Rs.) 11.75 15.17 12.84 18.47 26.15

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 156.4 156.43 163.98 164.07 164.28
Total Reserves 4941.74 6019.31 8007.86 9396.24 11543.4
Borrowings 35068.84 45707.43 51967.2 59258.24 65252.61
Other N/C liabilities -355.08 -444.66 -501.74 -755.21 -665.02
Current liabilities 3916.12 5534.79 3844.26 5721.28 5396.65
Total Liabilities 43728.02 56973.3 63481.56 73784.62 81691.92
Assets
Loans 42253.23 52622.27 55402.73 65839.34 74149.21
Net Block 160.75 162.62 273.46 219.47 254.44
Capital WIP 0 0 0 0 23.03
Intangible WIP 3.8 13.1 10.26 9.82 13.95
Investments 72.97 73.06 73.06 1618.95 2076.29
Other Loans 178.3 167.69 177.26 179.01 276.87
Other N/C Assets 0.22 0 0 0 0
Current Assets 1058.74 3934.56 7544.79 5918.03 4898.13
Total Assets 43728.02 56973.3 63481.56 73784.62 81691.92
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 51.61 51.57 51.55 51.55 51.52
cholamandalam fina... 45.46 45.44 45.42 45.41 45.39
ambadi investments... 4.11 4.11 4.11 4.11 4.10
m.a.alagappan 0.30 0.30 0.30 0.30 0.30
m v valli murugapp... 0.26 0.26 0.26 - -
shambho trust (m v... 0.20 0.20 0.20 - -
shambho trust (m v... - - - - 0.19
m vellachi 0.02 0.02 0.02 0.14 0.14
valli arunachalam - - - - 0.14
arun alagappan 0.12 0.12 0.12 0.12 0.12
m v ar meenakshi 0.10 0.10 0.10 0.10 0.10
saraswathi trust (... 0.10 0.10 0.09 - 0.09
lakshmi ramaswamy ... 0.07 0.07 0.07 - 0.07
ar lakshmi achi tr... 0.06 0.06 0.06 0.06 0.06
m v subramanian fa... 0.06 0.06 0.06 - 0.06
m v muthiah family... 0.06 0.06 0.06 - 0.06
arun venkatachalam 0.05 0.05 0.05 0.05 0.05
m.a.alagappan (hol... 0.04 0.04 0.04 0.04 0.04
m m murugappan fam... 0.04 0.04 0.04 - -
pranav alagappan 0.04 0.04 0.04 0.04 0.04
ambadi enterprises... 0.04 0.04 0.04 0.04 0.04
m m murugappan fam... - - - - 0.04
a m meyyammai 0.03 0.03 0.03 0.03 0.03
v arunachalam 0.03 0.03 0.03 0.03 0.03
v narayanan 0.03 0.03 0.03 0.03 0.03
a venkatachalam 0.03 0.03 0.03 0.03 0.03
valli subbiah bene... 0.03 0.02 0.02 - -
a. keertika unnama... 0.03 0.03 0.03 0.03 0.03
m v seetha subbiah... 0.03 0.03 0.03 - -
m v seetha subbiah... - - - - 0.03
k s shambhavi trus... 0.02 0.02 0.02 - 0.02
m.m.muthiah resear... 0.02 0.02 0.02 0.02 0.02
a vellayan 0.02 0.02 0.02 0.02 0.02
v s bhairavi trust... 0.02 0.02 0.02 - -
ma.alagappan grand... 0.02 0.02 0.02 - -
lalitha vellayan 0.02 0.02 0.02 0.02 0.02
m a alagappan hold... 0.02 0.02 0.02 0.02 0.02
arun murugappan ch... 0.02 0.02 0.02 - -
arun murugappan ch... - - - - 0.02
v s bhairavi trust... - - - - 0.02
valli subbiah bene... - - - - 0.02
ma.alagappan grand... - - - - 0.02
vedika meyyammai a... 0.01 0.01 0.01 0.01 0.01
sigapi arunachalam 0.01 0.01 0.01 0.01 0.01
m a m arunachalam 0.01 0.01 0.01 0.01 0.01
kanika subbiah 0.01 0.01 0.01 0.01 0.01
ma murugappan hold... 0.01 0.01 0.01 0.01 0.01
dhruv m arunachalam 0.01 0.01 0.01 0.01 0.01
umayal r 0.01 0.01 0.01 0.01 0.01
m m muthiah family... 0.01 0.01 0.01 - 0.01
m m veerappan fami... 0.01 0.01 0.01 - -
m m venkatachalam ... 0.01 0.01 0.01 - 0.01
meyyammai venkata... 0.01 0.01 0.01 0.01 0.01
murugappan arunach... 0.01 0.01 0.01 - -
murugappan arunach... - - - - 0.01
m m veerappan fami... - - - - 0.01
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 48.39 48.43 48.45 48.45 48.48
cartica capital ltd - - - - -
axis mutual fund t... - - - - 4.99
axis mf trustee li... - - - 4.54 -
hdfc trustee co lt... - - - - -
axis mutual fund t... - 4.25 - - -
axis equity advant... 4.16 - - - -
sbi magnum midcap ... 1.61 - - - -
hdfc trustee co lt... 3.92 - - - -
hdfc trustee compa... - 3.62 - - -
axis mutual fund t... - - - - -
axis mutual fund t... - - - - -
qualified institut... 3.29 - - - -
hdfc mutual fund -... - - 3.42 - 2.85
hdfc large and mid... - - - 3.40 -
aditya birla sun l... - - - - -
sbi retirement ben... - - - 2.14 -
smallcap world fun... - - - 2.14 -
smallcap world fun... 1.90 2.14 2.14 - 2.14
sbi retirement ben... - - - - 2.07
dsp equity opportu... - - - - -
dsp a.c.e. fund - ... 1.26 - - - -
hdfc life insuranc... 1.54 1.28 1.04 - -
aditya birla sunli... - 1.81 - - -
mirae asset tax sa... - - - - -
aditya birla sunli... - - 1.74 - -
sbi arbitrage oppo... - 1.39 1.69 - -
dsp nifty next 50 ... - - 1.63 - -
aditya birla sun l... - - - 1.60 -
aditya birla sun l... - - - - 1.54
mirae asset emergi... - - - - -
dsp arbitrage fund - 1.45 - - -
dsp nifty next 50 ... - - - 1.42 -
dsp focus fund - - - - 1.32
uti - long term eq... - - 1.10 - -
uti nifty 200 mome... 1.01 - - - -
uti - long term a... - - - - -
uti-mid cap fund - 1.04 - - -
uti - s&p bse sens... - - - 1.01 -
iepf 0.06 0.06 - - 0.06
iepf - - - 0.06 -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Chola Invest & Fin. - Quaterly Results29 Jul 2022, 4:17PM Chola Invest & Fin. - Quaterly Results29 Jul 2022, 4:17PM Chola Invest & Fin. - Quaterly Results29 Jul 2022, 4:17PM Cholamandalam Investment and Finance Company informs about allotment of equity shares 22 Jul 2022, 5:26PM Cholamandalam Investment and Finance Company informs about board meeting19 Jul 2022, 3:29PM Cholamandalam Investment and Finance Company informs about AGM8 Jul 2022, 12:20PM Kinetic Green Energy enters into partnership with Cholamandalam Investment and Finance Company4 Jul 2022, 3:45PM Cholamandalam Investment and Finance Company teams up with Hero Electric30 May 2022, 4:36PM Cholamandalam Investment and Finance Company partners with CarTrade Tech24 May 2022, 10:29AM Cholamandalam Investment and Finance Company informs about transcript of audio recording 11 May 2022, 5:20PM Cholamandalam Investment and Finance Company informs about earnings call7 May 2022, 12:41PM Chola Invest & Fin. - Quaterly Results5 May 2022, 6:37PM Chola Invest & Fin. - Quaterly Results5 May 2022, 6:37PM Cholamandalam Investment reports 36% rise in disbursements in FY228 Apr 2022, 11:56AM Cholamandalam Investment and Finance Company informs about board meeting5 Apr 2022, 12:35PM Cholamandalam Investment completes acquisition of stake in Payswiff Technologies10 Feb 2022, 12:15PM Cholamandalam Investment and Finance Company fixes record date for interim dividend2 Feb 2022, 1:32PM Chola Invest & Fin. - Quaterly Results1 Feb 2022, 6:53PM Chola Invest & Fin. - Quaterly Results1 Feb 2022, 6:53PM Chola Invest & Fin. - Quaterly Results1 Feb 2022, 6:53PM Cholamandalam Investment and Finance Company informs about interim dividend27 Jan 2022, 2:49PM Cholamandalam Investment launches new business divisions in Consumer and SME eco-system19 Jan 2022, 3:19PM Cholamandalam Investment and Finance Company informs about press release19 Jan 2022, 3:06PM Cholamandalam Investment and Finance Company to acquire 72.12% stake in Payswiff Technologies18 Jan 2022, 9:09AM Cholamandalam Investment and Finance Company informs about compliances-certificate13 Jan 2022, 2:11PM Cholamandalam Investment and Finance Company informs about compliance certificate14 Oct 2021, 11:22AM Cholamandalam Investment signs shareholders agreement, share subscription agreement with Paytail Commerce16 Sep 2021, 12:18PM Cholamandalam Investment and Finance Company informs about allotment of equity shares1 Sep 2021, 4:34PM Cholamandalam Investment and Finance Company launches pandemic support program 17 Jun 2021, 2:49PM Cholamandalam Investment & Finance Company informs about allotment of equity shares under ESOS2 Jun 2021, 3:59PM Cholamandalam Investment and Finance Company informs about allotment of equity shares under ESOP24 Apr 2021, 1:59PM Cholamandalam Investment joins consortium for retail payments8 Apr 2021, 2:37PM Chola, Karur Vysya Bank ink partnership for co-lending business11 Mar 2021, 2:03PM Cholamandalam Investment launches co-lending business with technology from Nucleus Software 10 Nov 2020, 12:17PM Cholamandalam Investment & Finance Company informs about outcome of board meeting29 Oct 2020, 3:33PM Cholamandalam Investment partners with Sri Sathya Sai Sanjeevani Hospitals27 Aug 2020, 9:16AM Cholamandalam Investment partners with Maruti Suzuki for vehicle finance22 May 2020, 12:28PM

Chola Invest & Fin. Stock Price Analysis and Quick Research Report. Is Chola Invest & Fin. an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Chola Invest & Fin. better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 1514.91 Cr and the compounded growth of profit in the past 3 years is 18.1589685875135 %. The PAT margin of Chola Invest & Fin. is 15.9195923501552 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Chola Invest & Fin. , the EPS grew by 43.8734346769672 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Chola Invest & Fin. is at 17.1493194485402 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Chola Invest & Fin. is worth at the current levels at Rs 781.7. The stock is trading at a current P/E ratio of 30.2470973504019 and the average historical P/E for the last 5 years was 21.3778967656226.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Chola Invest & Fin. is trading at a P/B of 5.2547 . The average historical P/B for the last 5 years was 3.59962920396109. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Chola Invest & Fin.

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