Chola Invest & Fin.

Cholamandalam Investment and Finance Company Ltd.

NSE: CHOLAFIN BSE: 511243 SECTOR: Finance - NBFC  94k   692   124

1049.70
-9.75 (-0.92%)
NSE: 26 May 03:59 PM

Price Summary

Today's High

₹ 1063.4

Today's Low

₹ 1041.6

52 Week High

₹ 1069.8

52 Week Low

₹ 600

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

₹ 86292 Cr.

Advances

₹ 74149.21 Cr.

No. of Shares

82.21 Cr.

P/E

32.37

P/B

6.04

Face Value

₹ 2

Div. Yield

0.19 %

Book Value (TTM)

₹  173.9

Operating Revenue

₹ 10048.29 Cr.

Net Profit

₹ 2146.71 Cr.

Promoter Holding

51.47 %

EPS (TTM)

₹  32.43

Sales Growth

5.59

ROE

20.27 %

ROCE

9.33%

Profit Growth

41.71 %

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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 34 Indices.

NIFTYJR

Nifty Next 50
41684.7
  471.399999999994 (1.14380551909212%)

NIFTYALPHA

Nifty Alpha 50
28844.55
  284.5 (0.996146715429425%)

NIFTY100WEIGHT

Nifty100 Equal Weight
21134.3
  186.649999999998 (0.891030736144627%)

NFTY200MOM30

Nifty200 Momentum 30
20262.65
  203.150000000001 (1.01273710710637%)

NIFTYFINANCE

Nifty Financial Services
19370.5
  131.200000000001 (0.681937492528317%)

NTYFIN2550

Nifty Financial Services 25/50
18878.05
  136.5 (0.728328233257125%)

NIFTY100

Nifty 100
18393.05
  179.450000000001 (0.985252778143808%)

NIFTY500

Nifty 500
15696.75
  141.5 (0.909660725478534%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10437.5
  90.2999999999993 (0.872699860831916%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
10310.1
  81.3999999999996 (0.795800052792628%)

NIFTY200

Nifty 200
9690.95
  92.25 (0.961067644576863%)

NIFTYTOTALMCAP

Nifty Total Market index
8751.8
  77.75 (0.896351761864422%)

NIFTY100ESG

NIFTY100 ESG
3472.85
  35.1500000000001 (1.02248596445298%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
17451.18
  102.529999999999 (0.590996994002402%)

NIFTYHIGHBETA

Nifty High Beta 50
2315.33
  15.3600000000001 (0.667834797845202%)

NT100ALP30

NIFTY100 Alpha 30
11213.05
  112.74 (1.01564731075079%)

NIFTYFULLMIDCAP100

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

SNXT50

S&P Bse Sensex Next 50
51184.93
  574.400000000001 (1.13494168110866%)

MIDCAP

S&P Bse Mid Cap
26803.15
  218.610000000001 (0.822320040143643%)

BSE500

S&P Bse 500
24962.81
  223.140000000003 (0.901952208740053%)

BSE100

S&P Bse 100
18862.8
  184.559999999998 (0.988101662683416%)

MIDSEL

S&P Bse MidCap Select Index
10075.38
  89.7699999999986 (0.89899365186501%)

MID150

S&P Bse 150 MidCap
9398.9
  71.5900000000001 (0.767531045928571%)

BSE200

S&P Bse 200
7945.26
  75.6199999999999 (0.960907995791427%)

LMI250

S&P Bse 250 LargeMidCap
7507.6
  70.1200000000008 (0.942792451206609%)

ALLCAP

S&P Bse Allcap
7184.67
  62.9800000000005 (0.884340655097327%)

MSL400

S&P Bse 400 MidSmallCap
7121.88
  45.7799999999997 (0.64696654937042%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6693.07
  64.8199999999997 (0.977935352468595%)

CARBONEX

S&P Bse Carbonex
3067.84
  28.7200000000003 (0.945010397746726%)

SPBSMOIP

S&P Bse Momentum
1220.95
  14.9200000000001 (1.23711682130627%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1101.97
  7.53999999999996 (0.688943102802364%)

FIN

S&P Bse Finance
9116.46
  59.6499999999996 (0.658620419330869%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7466.13
  70.1400000000003 (0.948351741957465%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
7611.78
  49.8800000000001 (0.659622581626307%)

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

0.78

PAT Margin (%)

21.3639335648155

EPS Growth(%)

41.5242631735636

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 51.47 0
Dec 2022 51.49 0.03
Sep 2022 51.5 0.03
Jun 2022 51.52 0.03
Mar 2022 51.55 0.03
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 5.4443412146603%.
  • 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%.
  • Promoters shareholding is 51.47%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Operating Revenue 2580.34 2745.1 2988.01 3323.1 3700.83
Other Income 51.41 25.83 49.77 51.91 93.43
Interest Expended 1071.15 1130.87 1340.42 1543.29 1734.17
Operating Expenses 603.77 851.36 911.83 881.43 866.04
Total Provisions 0 0 0 0 0
Depreciation 27.41 26.97 27.47 29.49 34.95
Profit Before Tax 929.42 761.73 758.06 920.8 1159.1
Tax 239.84 196.07 194.65 236.51 306.26
Net Profit 689.58 565.66 563.41 684.29 852.84

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 -511.28 -755.21 -665.02
Current liabilities 3916.12 5534.79 3853.8 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 72.92 72.92 72.92 1618.82 2076.16
Other Loans 178.3 167.69 177.26 179.01 276.87
Other N/C Assets 0.27 0.14 0.14 0.13 0.13
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 Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 51.55 51.52 51.50 51.49 51.47
cholamandalam fina... 45.41 45.39 45.38 45.37 45.36
ambadi investments... 4.11 4.10 4.10 4.10 4.10
m.a.alagappan 0.30 0.30 0.30 0.30 0.30
m v valli murugapp... - - - - -
shambho trust (m v... - - - - -
shambho trust (m v... 0.20 0.19 0.19 0.19 0.19
valli arunachalam 0.15 0.14 0.14 0.14 0.14
m vellachi 0.14 0.14 0.14 0.14 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 (... 0.09 0.09 0.09 0.09 0.09
lakshmi ramaswamy ... 0.07 0.07 0.07 0.07 0.07
m v muthiah family... 0.06 0.06 0.06 0.06 0.06
m v subramanian fa... 0.06 0.06 0.06 0.06 0.06
ar lakshmi achi tr... 0.06 0.06 0.06 0.06 0.06
arun venkatachalam 0.05 0.05 0.05 0.05 0.05
pranav alagappan 0.04 0.04 0.04 0.04 0.04
m.a.alagappan (hol... 0.04 0.04 0.04 0.04 0.04
m m murugappan fam... 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... - - - - -
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... - - - - -
a. keertika unnama... 0.03 0.03 0.03 0.03 0.03
m v seetha subbiah... - - - - -
m v seetha subbiah... 0.03 0.03 0.03 0.03 0.03
v s bhairavi trust... 0.02 0.02 0.02 0.02 0.02
valli subbiah bene... 0.02 0.02 0.02 0.02 0.02
ma.alagappan grand... 0.02 0.02 0.02 0.02 0.02
k s shambhavi trus... 0.02 0.02 0.02 0.02 0.02
m.m.muthiah resear... 0.02 0.02 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
a vellayan 0.02 0.02 0.02 0.02 0.02
arun murugappan ch... 0.02 0.02 0.02 0.02 0.02
v s bhairavi trust... - - - - -
ma.alagappan grand... - - - - -
arun murugappan ch... - - - - -
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 0.01
m m veerappan fami... - - - - -
m m venkatachalam ... 0.01 0.01 0.01 0.01 0.01
meyyammai venkata... 0.01 0.01 0.01 0.01 0.01
murugappan arunach... - - - - -
m m veerappan fami... 0.01 0.01 0.01 0.01 0.01
murugappan arunach... 0.01 0.01 0.01 0.01 0.01
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 48.45 48.48 48.50 48.51 48.53
axis mutual fund t... - - 5.01 - -
axis mutual fund t... - 4.99 - - -
axis mutual fund t... - - - 4.89 4.86
axis mf trustee li... 4.54 - - - -
hdfc trustee co lt... - - - - -
axis mutual fund t... - - - - -
axis equity advant... - - - - -
sbi magnum midcap ... - - 1.68 - -
hdfc trustee co lt... - - - - -
hdfc trustee compa... - - - - -
axis mutual fund t... - - - - -
qualified institut... - - - - -
hdfc mutual fund -... - 2.85 - - 2.41
hdfc large and mid... 3.40 - 2.62 - -
aditya birla sun l... - - - - -
hdfc mutual fund -... - - - 2.49 -
smallcap world fun... 2.14 2.14 2.14 2.08 1.58
sbi retirement ben... 2.14 2.07 - - -
dsp a.c.e. fund - ... - - - - -
hdfc life insuranc... - - - - -
aditya birla sunli... - - - - -
aditya birla sunli... - - - - -
sbi arbitrage oppo... - - - - -
sbi capital protec... - - - - 1.69
dsp nifty next 50 ... 1.42 - - - -
aditya birla sun l... 1.60 - - - -
aditya birla sun l... - 1.54 - - -
government pension... - - - 1.27 1.51
aditya birla sun l... - - 1.50 1.28 1.22
sbi s&p bse sensex... - - - 1.47 -
mirae asset emergi... - - - - -
dsp arbitrage fund - - - - -
dsp focus fund - 1.32 - - -
canara robeco mutu... - - - 1.22 1.18
canara robeco mutu... - - 1.19 - -
uti - long term eq... - - - - -
uti nifty 200 mome... - - 1.06 - -
uti - s&p bse sens... 1.01 - - 1.04 -
uti-mid cap fund - - - - -
iepf - 0.06 - - -
investor education... - - 0.06 0.06 0.06

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Cholamandalam Investment and Finance Company informs about earnings call transcript10 May 2023, 5:18PM Cholamandalam Investment and Finance Company reports 25% rise in Q4 consolidated net profit 4 May 2023, 12:57PM Chola Invest & Fin. - Quaterly Results3 May 2023, 5:41PM Chola Invest & Fin. - Quaterly Results3 May 2023, 5:41PM Chola Invest & Fin. - Quaterly Results3 May 2023, 5:41PM Cholamandalam Investment and Finance Company informs about press release25 Apr 2023, 9:53AM Cholamandalam Investment to sell 30.87% stake in White Data Systems India29 Mar 2023, 2:27PM Cholamandalam Investment and Finance Company reports 30% rise in Q3 consolidated net profit1 Feb 2023, 3:23PM Chola Invest & Fin. - Quaterly Results31 Jan 2023, 6:10PM Chola Invest & Fin. - Quaterly Results31 Jan 2023, 6:10PM Chola Invest & Fin. - Quaterly Results31 Jan 2023, 6:10PM Cholamandalam Investment and Finance Company informs about board meeting25 Jan 2023, 5:14PM Cholamandalam Investment and Finance Company informs about board meeting intimation 11 Jan 2023, 1:28PM Cholamandalam Investment and Finance Company informs about allotment of equity shares26 Nov 2022, 9:35AM Cholamandalam Investment and Finance Company informs about earnings call recording5 Nov 2022, 11:55AM Cholamandalam Investment and Finance Company reports 8% fall in Q2 consolidated net profit2 Nov 2022, 5:55PM Chola Invest & Fin. - Quaterly Results1 Nov 2022, 5:57PM Chola Invest & Fin. - Quaterly Results1 Nov 2022, 5:57PM Chola Invest & Fin. - Quaterly Results1 Nov 2022, 5:57PM 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

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 2146.71 Cr and the compounded growth of profit in the past 3 years is 21.864458562013 %. The PAT margin of Chola Invest & Fin. is 21.3639335648155 %.

  • 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 41.5242631735636 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a healthy ROE track record. The ROE of Chola Invest & Fin. is at 20.2725692649186 % 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 1049.7. The stock is trading at a current P/E ratio of 27.4727586351971 and the average historical P/E for the last 5 years was 22.6783670419434.

  • 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 6.0252 . The average historical P/B for the last 5 years was 3.90832140961107. 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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