NSE · CHOLAHLDNG · Finance
Cholamandalam Financial Holdings Ltd.
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Shareholding
As of 2026-06-30
- Promoter46.43%
- Public13.68%
- FII13%
- DII26.89%
44,121 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
52-week position
Where the current price sits in its yearly band
The band spans 1.58× from low to high.
Risk flags
Derived from disclosed data
- Reported zero revenue in 6 of the last 8 disclosed periods.
Peer comparison
Finance & Investments · ranked #33 of 600 by market cap · medians across 49 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| Bajaj Finance Limited | ₹6,56,465 Cr | 119.95 | 5.75 | 16.68% | 23.34% |
| Life Insurance Corporation of India | ₹5,36,233 Cr | 11.43 | 1.52 | 32.53% | 10.69% |
| Bajaj Finserv Ltd. | ₹3,08,010 Cr | 121.03 | 3.95 | 12.58% | 6.58% |
| Shriram Finance Limited | ₹2,45,809 Cr | 65.05 | 2.98 | 15.21% | 21.1% |
| Jio Financial Services Ltd. | ₹1,64,735 Cr | 580.19 | 1.18 | 1.17% | 0.44% |
| Cholamandalam Investment & Finance Company Ltd. | ₹1,53,802 Cr | 93.33 | 5.05 | 17.18% | 16.84% |
| Tata Capital Limited | ₹1,53,579 Cr | 28.24 | 3.44 | 10.57% | 15.37% |
| Bajaj Holdings & Investment Ltd. | ₹1,21,855 Cr | 47.32 | 1.67 | 11.33% | 0.95% |
| Billionbrains Garage Ventures Ltd. | ₹1,21,526 Cr | 174.51 | 12.52 | 21.58% | 44.85% |
| Muthoot Finance Limited | ₹1,21,159 Cr | 36.17 | 3.1 | 27.06% | 33.93% |
| Cholamandalam Financial Holdings Ltd.(this company) | ₹28,499 Cr | 41.48 | 1.84 | 41.6% | 14.15% |
AI analysis
AI-generated · google/gemini-2.5-flashCholamandalam Financial Holdings Limited, incorporated in 1949 and based in Chennai, India, is an investment company operating in the Financial Services, and Insurance and Allied Services segments. The company provides various financial services, including vehicle finance, loans against property, home loans, and general insurance, serving first-time borrowers, new-to-credit customers, individuals, corporates, and SMEs. The company has a market capitalization of Rs 28675 Cr.
Positives
- +The company reported a dividend yield of 8%, which is favorable.
- +The Return on Equity (ROE) of 15.8% indicates efficient use of shareholder funds.
- +The Return on Capital Employed (ROCE) of 9.32% suggests reasonable efficiency in generating profits from capital.
- +The profit margin of 6.25% indicates a positive earning capability.
Negatives
- −The debt-to-equity ratio is high at 13.55.
- −The company has pledged promoter shares, totaling 0.02% of promoter holding.
- −The annual revenue growth could not be determined as the figure was not provided.
- −The company's earnings per share (EPS) and EBITDA for several annual periods were not disclosed.
Business Overview
Cholamandalam Financial Holdings Limited (CFHL) operates in the financial services sector, offering diverse products. Its financial services segment includes offerings like vehicle finance, loans against property, home loans, secured business and personal loans, consumer and SME loans. The company also provides general insurance services encompassing health, home, motor, and travel insurance. CFHL caters to a broad customer base, including first-time borrowers and small businesses.
Financial Performance
The company reported total revenue of Rs 21142.46 Cr and a net profit margin of 6.25%. For the quarter ending March 2026, the company recorded a net profit of Rs 687.14 Cr. The diluted EPS stands at Rs 130.01. Quarterly net profit has shown fluctuations, from Rs 486.19 Cr in December 2024 to Rs 687.14 Cr in March 2026.
Profitability & Returns
Cholamandalam Financial Holdings Ltd. recorded a Return on Equity (ROE) of 15.8% and a Return on Capital Employed (ROCE) of 9.32%. The company's profit margin stood at 6.25%. The Price-to-Earnings (PE) ratio is 11.75, and the book value per share is Rs 823.
Balance Sheet
The company maintains a high level of debt with a debt-to-equity ratio of 13.55. The book value per share is Rs 823. Cholamandalam Financial Holdings Ltd. has a market capitalization of Rs 28675 Cr. The dividend yield for the company is 8%.
Ownership & Pledges
As of June 30, 2026, promoter holding in Cholamandalam Financial Holdings Ltd. was 46.43%. Institutions held 39.89% of the shares, while FIIs held 12.99% and DIIs held 26.89%. Public shareholding was 13.68%. A small portion of promoter shares, 0.02%, is pledged. Specifically, Valli Annamalai, a promoter, has pledged 7000 shares (1.94% of her holding), M.a.alagappan has pledged 2000 shares (0.28% of holding), and Sigapi Arunachalam has pledged 4200 shares (1.84% of holding).
Data as of — price: 2026-07-29 · financials: Mar 26 · shareholding: Jun 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.
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