Cholamandalam Investment and Finance Company Limited Stock Price Today (NSE: CHOLAFIN)
Cholamandalam Investment and Finance Company Limited
Fundamental Score
Cholamandalam Investment and Finance Company Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Cholamandalam Investment and Finance Company Limited share price today is ₹1354.70, down 3.90% on NSE/BSE as of 30 March 2026. Cholamandalam Investment and Finance Company Limited (CHOLAFIN) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹1.45L (Cr). The 52-week high for CHOLAFIN share price is ₹1831.50 and the 52-week low is ₹1358.65. At a P/E ratio of 31.32x, CHOLAFIN is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 19.71% and a debt-to-equity ratio of 7.23.
Cholamandalam Investment and Finance Company Limited Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Cholamandalam Investment and Finance Company Limited Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Cholamandalam Investment and Finance Company Share Price Analysis: A ROCE-Focused Perspective
The Non-Banking Financial Company (NBFC) sector is currently experiencing a dynamic shift, with increased regulatory scrutiny demanding higher capital adequacy and improved asset quality. This necessitates a sharp focus on efficient capital allocation and strong profitability metrics. This analysis delves into the financial health of Cholamandalam Investment and Finance Company Limited, specifically examining how its Return on Capital Employed (ROCE) impacts its competitive positioning. Currently, the Cholamandalam Investment and Finance Company share price stands at ₹1742.199951, with a Price-to-Earnings (PE) ratio of 31.32 and a ROCE of 10.34%.
A ROCE of 10.34% indicates the efficiency with which Cholamandalam Investment and Finance Company utilizes its capital to generate profits. While a higher ROCE is generally preferred, its significance must be evaluated within the context of the NBFC sector and in comparison to its peers. A consistent and relatively stable ROCE contributes to the company's "moat," signaling its ability to maintain profitability and withstand competitive pressures. However, optimizing ROCE is critical for long-term sustainability and shareholder value creation.
Benchmarking Cholamandalam against its competitors is crucial. For instance, considering
Apollo Finvest, a thorough comparison of management quality, as evidenced by their strategic decisions and capital allocation strategies, offers valuable insights. A superior management team, capable of navigating the complexities of the NBFC landscape and maintaining a high degree of operational efficiency, is essential for delivering sustained ROCE improvements. While this analysis doesn't delve into the specifics of Apollo Finvest's management, it highlights the importance of such comparative assessments.The PE ratio of 31.32 suggests that the market has certain expectations about Cholamandalam's future earnings growth. Whether the company can consistently deliver on those expectations is dependent on its ability to further enhance its operational efficiency, manage its risk profile effectively, and ultimately, improve its ROCE. Continual evaluation of these metrics is vital to understand the long-term value proposition of Cholamandalam Investment and Finance Company Limited. This analysis is part of an 80-parameter fundamental audit verified by Sweta Mishra, focusing specifically on ROCE efficiency. This analysis is observational and should not be considered investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Cholamandalam Investment and Finance Company Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of CHOLAFIN across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (19.71%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (70.99%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (19.76%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (24.29% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (31.57% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (32.25% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 44.12%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
3 factors identified
Elevated Debt Levels (D/E: 7.23)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.46x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-111191.08 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Cholamandalam Investment and Finance Company Limited Financial Statements
Comprehensive financial data for Cholamandalam Investment and Finance Company Limited including income statement, balance sheet and cash flow
About CHOLAFIN (Cholamandalam Investment and Finance Company Limited)
Cholamandalam Investment and Finance Company Limited is a prominent non-banking financial institution in India, deeply rooted in the Murugappa Group's legacy of trust and customer-...centricity. The company specializes in providing financial solutions to a diverse range of customers, particularly in the semi-urban and rural markets. CHOLAFIN has meticulously crafted its product portfolio to cater to the specific needs of its target segments. Through a widespread network of branches and a dedicated team of professionals, the company strives to deliver accessible and convenient financial services, empowering individuals and small businesses to achieve their aspirations. The company emphasizes building long-term relationships with its customers, understanding their unique circumstances, and offering customized financial solutions to support their growth and prosperity. CHOLAFIN's core strength lies in its comprehensive suite of lending products, designed to facilitate the acquisition of income-generating assets. From vehicle finance, encompassing commercial vehicles, passenger vehicles, and tractors, to construction equipment loans, the company plays a pivotal role in enabling entrepreneurs and businesses to expand their operations. Recognizing the importance of secure housing and business growth, CHOLAFIN also offers loan against property and home loans, providing individuals and businesses with the financial resources to invest in real estate. The company further extends its support to micro, small, and medium enterprises (MSMEs) through specialized SME loans and other tailored financial products, fostering entrepreneurship and economic development. Beyond its lending activities, Cholamandalam Investment and Finance Company Limited maintains a strong focus on responsible lending practices and financial inclusion. The company actively promotes financial literacy among its customers, empowering them to make informed financial decisions. It also leverages technology to enhance its service delivery, improve operational efficiency, and expand its reach to underserved communities. Through its commitment to ethical conduct, customer satisfaction, and sustainable growth, CHOLAFIN endeavors to be a trusted financial partner for individuals and businesses across India, contributing to their economic well-being and national development.
Company Details
Key Leadership
Corporate Events
CHOLAFIN Share Price: Frequently Asked Questions
What is the current share price of Cholamandalam Investment and Finance Company Limited (CHOLAFIN)?
As of 30 Mar 2026, 12:05 pm IST, Cholamandalam Investment and Finance Company Limited share price is ₹1354.70. The CHOLAFIN stock has a market capitalisation of ₹1.45L (Cr) on NSE/BSE.
Is CHOLAFIN share price Overvalued or Undervalued?
CHOLAFIN share price is currently trading at a P/E ratio of 31.32x, compared to the industry average of 22.03x. Based on this relative valuation, the Cholamandalam Investment and Finance Company Limited stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of CHOLAFIN share price?
The 52-week high of CHOLAFIN share price is ₹1831.50 and the 52-week low is ₹1358.65. These values are updated daily from NSE/BSE price data.
What factors affect the Cholamandalam Investment and Finance Company Limited share price?
Key factors influencing CHOLAFIN share price include quarterly earnings growth (Sales Growth: 19.76%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Cholamandalam Investment and Finance Company Limited a good stock for long-term investment?
Cholamandalam Investment and Finance Company Limited shows a 5-year Profit Growth of 32.25% and an ROE of 19.71%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 7.23 before investing in CHOLAFIN shares.
How does Cholamandalam Investment and Finance Company Limited compare with its industry peers?
Cholamandalam Investment and Finance Company Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare CHOLAFIN share price P/E of 31.32x and ROE of 19.71% against the industry averages to determine competitive standing.
What is the P/E ratio of CHOLAFIN and what does it mean?
CHOLAFIN share price has a P/E ratio of 31.32x compared to the industry average of 22.03x. Investors pay ₹31 for every ₹1 of annual earnings.
How is CHOLAFIN performing according to Bull Run's analysis?
CHOLAFIN has a Bull Run fundamental score of 62.5/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does CHOLAFIN belong to?
CHOLAFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Cholamandalam Investment and Finance Company Limited share price.
What is Return on Equity (ROE) and why is it important for CHOLAFIN?
CHOLAFIN has an ROE of 19.71%, which indicates excellent management efficiency. ROE measures how efficiently Cholamandalam Investment and Finance Company Limited generates profits from shareholders capital.
How is CHOLAFIN debt-to-equity ratio and what does it indicate?
CHOLAFIN has a debt-to-equity ratio of 7.23, which indicates high leverage that increases financial risk.
What is CHOLAFIN dividend yield and is it a good dividend stock?
CHOLAFIN offers a dividend yield of 0.12%, meaning you receive ₹0.12 annual dividend for every ₹100 invested in Cholamandalam Investment and Finance Company Limited shares.
How has CHOLAFIN share price grown over the past 5 years?
CHOLAFIN has achieved 5-year growth rates of: Sales Growth 24.29%, Profit Growth 32.25%, and EPS Growth 31.57%.
What is the promoter holding in CHOLAFIN and why does it matter?
Promoters hold 49.88% of CHOLAFIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Cholamandalam Investment and Finance Company Limited.
What is CHOLAFIN market capitalisation category?
CHOLAFIN has a market capitalisation of ₹145499 crores, placing it in the Large-cap category.
How volatile is CHOLAFIN stock?
CHOLAFIN has a beta of N/A. A beta > 1 suggests the Cholamandalam Investment and Finance Company Limited stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is CHOLAFIN operating profit margin trend?
CHOLAFIN has a 5-year average Operating Profit Margin (OPM) of 70.99%, indicating the company's operational efficiency.
How is CHOLAFIN quarterly performance?
Recent quarterly performance shows Cholamandalam Investment and Finance Company Limited YoY Sales Growth of 19.76% and YoY Profit Growth of 19.82%.
What is the institutional holding pattern in CHOLAFIN?
CHOLAFIN has FII holding of 26.85% and DII holding of 17.27%. Significant institutional holding often suggests professional confidence in the Cholamandalam Investment and Finance Company Limited stock.