Chola Invest & Fin.

₹1511.4 -21.4 | 1.4%

WEBSITE BSE:511243 NSE : CHOLAFIN 06 Sep, 16:03

Market Cap ₹127014 Cr.

Stock P/E 34.6

P/B 6.2

Current Price ₹1511.4

Book Value ₹ 242.2

Face Value 2

52W High ₹1556.8

Dividend Yield 0.13%

52W Low ₹ 1011.5

Edit Ratio

Chola Invest & Fin. Research see more...

Cholamandalam Investment & Finance Company Ltd

Overview Inc. Year: 1978Industry: Finance - NBFC

Cholamandalam Investment and Finance Company Limited is an India-based non-banking finance organisation. The Company's monetary services consist of vehicle finance, home loans, mortgage against belongings, small and medium establishments (SME) loans, insurance company, mutual fund distribution, and various different financial offerings. The Company operates about 1,137 branches throughout India. The Company's product portfolio includes commercial automobile loans, car & multi utility automobile (MUV) loans, two-wheeler loans, 3-wheeler loans, construction system loans, tractor loans, loan against assets (LAP) and domestic loans. Its subsidiaries consist of Cholamandalam Securities Limited (CSEC) and Cholamandalam Home Finance Limited (CHFL).

Chola Invest & Fin. Share Price

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Peer Comparison

Chola Invest & Fin. Quarterly Results

#(Fig in Cr.)
Operating Revenue
Other Income
Total Income
Total Expenditure
Operating Profit
Interest Expense
Depreciation
Profit Before Tax
Provision for Tax
Profit After Tax
Adjustments
Profit After Adjustments
Adjusted Earnings Per Share

Chola Invest & Fin. Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Operating Revenue	3262	3690	4192	4660	5479	6992	8653	9516	10048	12757	18845
Other Income	118	186	134	236	7	3	3	61	92	223	373
Total Income	3380	3876	4326	4896	5487	6995	8655	9577	10140	12980	19219
Total Expenditure	1035	1229	1384	1521	1376	1528	2370	2865	2853	3512	5210
Operating Profit	2345	2647	2943	3374	4110	5467	6286	6713	7287	9467	14008
Interest Expense	1771	1960	2051	2231	2659	3589	4592	4576	4299	5749	9231
Depreciation	24	29	21	38	50	55	108	98	97	119	196
Profit Before Tax	550	657	871	1106	1401	1823	1586	2038	2891	3600	4582
Provision for Tax	186	222	302	387	483	637	533	524	744	933	1159
Profit After Tax	364	435	568	719	918	1186	1052	1515	2147	2666	3423
Adjustments	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	364	435	568	719	918	1186	1052	1515	2147	2666	3423
Adjusted Earnings Per Share	5.1	6	7.3	9.2	11.7	15.2	12.8	18.5	26.1	32.4	40.7

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	48%	26%	22%	19%
Operating Profit CAGR	48%	28%	21%	20%
PAT CAGR	28%	31%	24%	25%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	37%	38%	41%	33%
ROE Average	20%	20%	19%	19%
ROCE Average	10%	10%	10%	11%

Chola Invest & Fin. Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	2295	3173	3657	4285	5098	6176	8172	9560	11708	14296	19557
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	9833	12448	10935	15105	35069	45707	51967	59258	65253	90634	127439
Current Liability	9084	7889	12721	10423	3916	5535	3854	5721	5397	8581	9453
Other Liabilities & Provisions	706	956	1470	467	-355	-445	-511	-755	-665	-604	-651
Total Liabilities	21918	24466	28783	30280	43728	56973	63482	73785	81692	112907	155797
Loans	13351	15468	18188	19935	42253	52622	55403	65839	74149	104748	144424
Investments	66	60	65	192	73	73	73	1619	2076	3620	4100
Fixed Assets	73	68	111	140	161	163	273	219	254	399	1557
Other Loans	572	839	1243	117	178	168	177	179	277	326	407
Other Non Current Assets	612	605	449	530	4	13	10	10	37	60	12
Current Assets	7243	7425	8727	9364	1059	3935	7545	5918	4898	3745	5258
Total Assets	21918	24466	28783	30280	43728	56973	63482	73785	81692	112907	155797

Chola Invest & Fin. Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	456	675	190	266	274	254	3139	3356	1448	2658	910
Cash Flow from Operating Activities	-2451	-2271	-2814	-1491	-7923	-9331	-2086	-8857	-5608	-27037	-35768
Cash Flow from Investing Activities	-81	-40	-147	-202	-63	-4	-51	-1759	1667	-2160	-2705
Cash Flow from Financing Activities	2751	1826	3037	1701	7965	12220	2461	8708	5151	27449	38405
Net Cash Inflow / Outflow	219	-485	76	8	-20	2885	323	-1908	1210	-1748	-68
Closing Cash & Cash Equivalent	675	190	266	274	254	3139	3462	1448	2658	910	842

Chola Invest & Fin. Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	5.08	6.02	7.25	9.2	11.75	15.17	12.84	18.47	26.15	32.43	40.75
CEPS(Rs)	5.41	6.46	7.55	9.69	12.38	15.88	14.15	19.67	27.33	33.88	43.08
DPS(Rs)	0.7	0.7	0.9	1.1	1.3	1.3	1.7	2	2	2	2
Book NAV/Share(Rs)	32.05	37.2	46.85	54.83	65.09	78.75	99.34	116.17	141.92	172.89	231.16
Net Profit Margin	11.16	11.79	13.56	15.42	16.76	16.96	12.16	15.92	21.36	20.9	18.16
Operating Margin	71.17	70.93	69.69	71.6	74.11	77.4	71.4	69.51	71.55	73.28	73.3
PBT Margin	16.87	17.81	20.77	23.73	25.58	26.07	18.33	21.42	28.77	28.22	24.31
ROA(%)	1.81	1.88	2.14	2.43	2.48	2.36	1.75	2.21	2.76	2.74	2.55
ROE(%)	17.09	17.52	17.96	18.1	19.6	21.1	14.72	17.15	20.27	20.62	20.36
ROCE(%)	12.33	12.16	11.95	12.21	11.31	10.81	10.3	9.69	9.33	9.71	10.4
Price/Earnings(x)	11.33	19.53	19.67	20.97	24.68	19.08	11.91	30.25	27.47	23.48	28.38
Price/Book(x)	1.8	3.16	3.05	3.52	4.45	3.68	1.54	4.81	5.06	4.41	5
Dividend Yield(%)	1.21	0.6	0.63	0.57	0.45	0.45	1.11	0.36	0.28	0.26	0.17
EV/Net Sales(x)	6.57	7.61	7.93	8.31	10.97	9.94	7	10.96	12.33	12.31	12.06
EV/Core EBITDA(x)	9.13	10.61	11.29	11.47	14.62	12.72	9.64	15.54	17.01	16.58	16.23
Interest Earned Growth(%)	27.72	13.14	13.6	11.14	17.59	27.61	23.75	9.98	5.59	26.96	47.72
Net Profit Growth	18.75	19.55	30.63	26.44	27.77	29.17	-11.28	43.95	41.71	24.2	28.38
EPS Growth(%)	18.68	18.36	20.54	26.81	27.72	29.14	-15.37	43.87	41.52	24.05	25.64
Interest Coverage(x) %	1.31	1.34	1.42	1.5	1.53	1.51	1.35	1.45	1.67	1.63	1.5

Chola Invest & Fin. Shareholding Pattern

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	51.55	51.52	51.5	51.49	51.47	51.46	51.43	50.37	50.35	50.33
FII	17.61	17.96	18.68	19.37	19.62	20.91	21.5	24.72	25.99	26.62
DII	23.01	22.41	21.92	21.25	21.47	20.38	20.04	18.39	17.04	16.87
Public	7.84	8.11	7.89	7.89	7.43	7.26	7.03	6.52	6.61	6.19
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	42.32	42.32	42.32	42.31	42.31	42.31	42.3	42.3	42.3	42.29
FII	14.46	14.75	15.35	15.92	16.13	17.19	17.68	20.76	21.83	22.36
DII	18.89	18.41	18.01	17.46	17.65	16.76	16.49	15.44	14.31	14.17
Public	6.44	6.66	6.48	6.48	6.11	5.97	5.78	5.47	5.55	5.2
Others	0	0	0	0	0	0	0	0	0	0
Total	82.11	82.15	82.16	82.18	82.2	82.22	82.25	83.97	84	84.02

Pros

Company has delivered good profit growth of 23% CAGR over last 5 years

Cons

Stock is trading at 6.2 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.