Cholamandalam Financial Holdings Ltd.

NSE: CHOLAHLDNG BSE: 504973 SECTOR: Finance - Investment  31k   77   14

590.00
-0.90 (-0.15%)
NSE: 30 Jan 03:44 PM

Price Summary

Today's High

₹ 592.75

Today's Low

₹ 566.55

52 Week High

₹ 713.9

52 Week Low

₹ 536.5

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

11077.88 Cr.

Advances

0 Cr.

No. of Shares

18.78 Cr.

P/E

194.39

P/B

9.23

Face Value

₹ 1

Div. Yield

0.09 %

Book Value (TTM)

₹  63.9

Operating Revenue

83.51 Cr.

Net Profit

55.51 Cr.

Promoter Holding

48.61 %

EPS (TTM)

₹  3.04

Sales Growth

43.86

ROE

4.77 %

ROCE

6.27%

Profit Growth

155.69 %

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

Your Added Ratios

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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.
* 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

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

 Group Companies

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Ratios

Income Growth

1 Year43.86%
3 Year4.35%
5 Year15.82%

Profit Growth

1 Year155.69%
3 Year-5.86%
5 Year8.87%

ROE%

1 Year4.77%
3 Year4.78%
5 Year5.34%

ROCE %

1 Year6.27%
3 Year5.98%
5 Year6.19%

ROA%

4.2801241397922

PEG Ratio

1.25

PAT Margin (%)

66.4710813076278

EPS Growth(%)

155.697734739754

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 48.61 0.17
Sep 2022 48.61 0.17
Jun 2022 48.62 0.17
Mar 2022 48.62 0.17
Dec 2021 48.62 0.17
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 29.0722871646476%.
  • Company has maintained a good ROA of 4.30324595054027% in last 3 years.

 Limitations

  • Company has a poor Return on Equity (ROE) track record of 4.77575372090162%.
  • The company is trading at 9.23345138587845 times the book value.
  • The company has delivered poor profit growth of 4.34785596105367% over past 3 years
  • The company has delivered poor Operating Income growth of 4.34785596105367% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Operating Revenue 28.27 2.27 50.85 2.1 28.52
Other Income 0 0 0 0 0
Interest Expended 2.57 2.55 2.49 1.75 1.77
Operating Expenses 0.5 0.47 1.12 0.61 0.59
Total Provisions 0 0 0 0 0
Depreciation 0.01 0 0.01 0 0.01
Profit Before Tax 25.19 -0.75 47.23 -0.26 26.15
Tax 3.77 0.53 10.93 0 3.92
Net Profit 21.42 -1.28 36.3 -0.26 22.23

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 64.65 73.5 90.88 58.05 83.51
Other Income 0.02 0.02 0.02 0.09 0
Interest 0 0 1.48 21.66 10.14
Operating Expenses 1.89 1.88 2.38 2.35 2.57
Total Provisions 1.34 0.73 0.11 0.23 0.06
Exceptional Items 0 0 0 0 0
Profit Before Tax 61.44 70.91 86.93 33.9 70.74
Tax 2.05 4.38 3.6 12.19 15.23
Profit After Tax 59.39 66.53 83.33 21.71 55.51
Adjusted EPS (Rs.) 3.17 3.54 4.44 1.16 2.96

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 18.75 18.77 18.77 18.77 18.77
Total Reserves 1000.78 1045.75 1099.52 1121.98 1168.41
Borrowings 0 0 200.63 149.98 99.97
Other N/C liabilities -0.17 -0.26 -0.34 1.12 1.17
Current liabilities 3.03 3.26 3.18 11.08 2.6
Total Liabilities 1022.39 1067.52 1321.76 1302.93 1290.92
Assets
Loans 0 0 0 0 0
Net Block 0 0 0.03 0.02 0.02
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 915.73 954.78 1278.35 1279.22 1279.84
Other Loans 0.02 0.01 0.05 0.08 0.73
Other N/C Assets 0 0 0 0 0
Current Assets 106.64 112.73 43.33 23.61 10.33
Total Assets 1022.39 1067.52 1321.76 1302.93 1290.92
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 48.62 48.62 48.62 48.61 48.61
ambadi investments... 37.70 37.70 37.70 37.70 37.69
m m murugappan 0.11 0.11 0.11 0.11 0.11
ambadi enterprises... 0.56 0.56 0.56 0.56 0.56
arun alagappan 0.44 0.44 0.44 0.44 0.44
m v valli murugapp... 0.52 - - - -
m.a.alagappan 0.38 0.38 0.38 0.38 0.38
a m meyyammai 0.50 0.50 0.50 0.50 0.50
m a m arunachalam 0.25 0.25 0.25 0.25 0.25
murugappa & sons (... 0.46 0.46 0.46 0.46 0.46
a venkatachalam 0.27 0.27 0.27 0.27 0.27
murugappa educatio... 0.39 0.39 0.39 0.39 0.39
lakshmi ramaswamy ... 0.40 0.40 0.40 0.40 0.40
a vellayan 0.20 0.20 0.20 0.20 0.20
shambho trust (m v... 0.32 - - - -
m vellachi 0.06 0.32 0.32 0.32 0.32
shambho trust (m v... - 0.32 0.32 0.32 0.32
valli arunachalam - 0.26 0.26 0.26 0.26
m a murugappan hol... 0.29 0.29 0.29 0.29 0.29
m a alagappan hold... 0.28 0.28 0.28 0.28 0.28
valli arunachalam ... - - - - -
saraswathi trust (... 0.27 0.27 0.27 0.27 0.27
m v murugappan - h... - - - - -
m v murugappan - h... - - - - -
m v murugappan - h... 0.29 0.29 0.29 0.29 0.29
meenakshi murugapp... 0.27 0.27 0.27 0.27 0.27
m m muthiah family... 0.25 0.25 0.25 0.25 0.25
mv muthiah family ... 0.24 0.24 0.24 0.24 0.24
m v ar meenakshi 0.24 0.24 0.24 0.24 0.24
mm veerappan famil... 0.25 0.25 0.25 0.25 0.25
mv subramanian fam... 0.24 0.24 0.24 0.24 0.24
lakshmi venkatacha... - - - - -
mm venkatachalam f... 0.22 0.22 0.22 0.22 0.22
ar lakshmi achi tr... 0.21 0.21 0.21 0.21 0.21
valli muthiah 0.21 0.21 0.21 0.21 0.21
lakshmi venkatacha... 0.20 0.20 0.20 0.20 0.20
meyyammai venkatac... 0.19 0.19 0.19 0.19 0.19
m m murugappan(hol... - - - - -
m m murugappan huf... 0.19 0.19 0.19 0.19 0.19
v arunachalam 0.18 0.18 0.18 0.18 0.18
lalitha vellayan - - - - -
m.m.muthiah resear... 0.15 0.15 0.15 0.15 0.15
m m murugappan(hol... - - - - -
v narayanan 0.15 0.15 0.15 0.15 0.15
m m muthiah huf (m... 0.15 0.15 0.15 0.15 0.15
a vellayan (hold s... 0.13 0.13 0.13 0.13 0.13
a venkatachalam (h... 0.13 0.13 0.13 0.13 0.13
m m murugappan fam... 0.12 0.12 0.12 0.12 0.12
m a alagappan gran... 0.12 0.12 0.12 0.12 0.12
sigapi arunachalam 0.12 0.12 0.12 0.12 0.12
umayal.r. 0.12 0.12 0.12 0.12 0.12
murugappan arunach... 0.11 0.11 0.11 0.11 0.11
arun venkatachalam 0.11 0.11 0.11 0.11 0.11
m v subbiah (hold ... 0.09 0.09 0.09 0.09 0.09
lakshmi chocka lin... 0.08 0.08 0.08 0.08 0.08
valli annamalai 0.08 0.08 0.08 0.08 0.08
m a m arunachalam ... 0.08 0.08 0.08 0.08 0.08
m a alagappan(hold... - - - - -
m a alagappan huf(... 0.07 0.07 0.07 0.07 0.07
a m m vellayan son... 0.02 0.02 0.02 0.02 0.02
pranav alagappan 0.01 0.01 0.01 0.01 0.01
valli subbiah bene... - 0.01 0.01 0.01 0.01
valliammai murugap... 0.01 0.01 0.01 0.01 0.01
dhruv m arunachalam 0.01 0.01 0.01 0.01 0.01
m v seetha subbiah... - 0.01 0.01 0.01 0.01
valli subbiah bene... 0.01 - - - -
s.vellayan(s vella... 0.01 - - - -
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 51.38 51.38 51.38 51.39 51.39
nippon life india ... - - - - -
nippon life india ... - 7.71 7.92 - -
nippon life india ... - - - 7.91 -
nippon life india ... - - - - 7.74
icici prudential b... - - - - 7.70
nippon life india ... 7.53 - - - -
nippon life india ... - - - - -
icici prudential f... - 6.23 5.76 - -
icici prudential s... - - - 6.22 -
icici prudential i... - - - - -
icici prudential b... 6.08 - - - -
icici prudential l... - - - - -
icici prudential v... - - - - -
hdfc large cap fun... - - - - -
hdfc trustee co. l... 4.08 4.09 4.09 - -
franklin india equ... - - - - -
hdfc large and mid... - - - 2.64 2.17
aditya birla sun l... - - - 2.33 2.33
aditya birla sun l... - - 2.27 - -
aditya birla sun l... 2.08 2.22 - - -
sundaram mutual fu... - - - 1.96 2.11
aditya birla sun l... - - - - -
aditya birla sun l... - - - - -
life insurance cor... - - - - -
lici asm non par - 1.56 - - -
lic asm non par - - 1.56 - -
sundaram mutual fu... - 1.46 1.54 - -
toyota tsusho corp... 1.44 1.44 1.44 1.44 1.44
franklin india pri... 1.36 - - - -
axis mutual fund t... - - - - 1.28
rbc emerging marke... 1.11 1.16 1.16 - -
hsbc global invest... - - - - -
uti small cap fund - - - - -
first sentier inve... - - - 1.01 1.01
investor education... - - - 0.44 0.45
iepf 0.43 0.43 0.44 - -
qualified institut... - - - - -
qualified institut... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Cholamandalam Financial Holdings informs about allotment of equity shares 5 Dec 2022, 12:59PM Cholamandalam Fin. - Quaterly Results8 Nov 2022, 2:57PM Cholamandalam Fin. - Quaterly Results8 Nov 2022, 2:57PM Cholamandalam Fin. - Quaterly Results8 Nov 2022, 2:57PM Cholamandalam Financial Holdings informs about outcome of board meeting 10 Aug 2022, 4:10PM Cholamandalam Fin. - Quaterly Results10 Aug 2022, 2:57PM Cholamandalam Fin. - Quaterly Results10 Aug 2022, 2:57PM Cholamandalam Fin. - Quaterly Results10 Aug 2022, 2:57PM Cholamandalam Financial Holdings informs about AGM20 Jul 2022, 12:36PM Cholamandalam Financial Holdings reports 3- fold jump in Q4 consolidated net profit12 May 2022, 12:10PM Cholamandalam Fin. - Quaterly Results11 May 2022, 5:46PM Cholamandalam Fin. - Quaterly Results11 May 2022, 5:46PM Cholamandalam Fin. - Quaterly Results11 May 2022, 5:46PM Cholamandalam Financial Holdings board to consider dividend7 May 2022, 10:56AM Cholamandalam Fin. - Quaterly Results11 Feb 2022, 4:27PM Cholamandalam Fin. - Quaterly Results11 Feb 2022, 4:27PM Cholamandalam Fin. - Quaterly Results11 Feb 2022, 4:27PM Cholamandalam Fin. - Quaterly Results2 Nov 2021, 3:19PM Cholamandalam Financial Holdings informs about investor presentation18 May 2021, 12:27PM Cholamandalam Financial Holdings reports 2-fold jump in Q4 consolidated net profit15 May 2021, 9:53AM Cholamandalam Financial Holdings informs about disclosure26 Apr 2021, 4:16PM Cholamandalam Financial Holdings gets nod to raise Rs 150 crore through NCDs1 Apr 2021, 10:57AM Cholamandalam Financial Holdings reports 90% rise in Q1 consolidated net profit13 Aug 2020, 11:14AM

Cholamandalam Fin. Stock Price Analysis and Quick Research Report. Is Cholamandalam 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 Cholamandalam 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 55.51 Cr and the compounded growth of profit in the past 3 years is -5.85769442381392 %. The PAT margin of Cholamandalam Fin. is 66.4710813076278 %.

  • 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 Cholamandalam Fin. , the EPS grew by 155.697734739754 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Cholamandalam Fin. is at 4.76904374272422 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Cholamandalam Fin. is worth at the current levels at Rs 590. The stock is trading at a current P/E ratio of 208.950429431257 and the average historical P/E for the last 5 years was 226.579638827593.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Cholamandalam Fin. is trading at a P/B of 9.2428 . The average historical P/B for the last 5 years was 8.97890956336214. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Cholamandalam Fin.

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