Cholamandalam Investment and Finance Company Limited

Financial Services · Finance

NSE: CHOLAFIN BSE: 511243

₹1620.00

Sept. 30, 2026 · NSE · nse_bhavcopy

Peers in Finance

The largest companies in the same industry by market cap. This company ranks #6 of 510. PE, ROE, 1Y return and scores come from the daily/weekly precomputed snapshot.

Company	Market cap (₹ Cr)	PE (TTM)	ROE	1Y return	Div. yield	Quality	Valuation	Momentum
Bajaj Finance Limited	597,318	—	16.5%	-2.9%	—	58	18	28
Bajaj Finserv Limited	277,055	—	14.0%	-13.8%	—	28	81	25
Shriram Finance Limited	231,221	—	15.2%	51.5%	—	48	50	29
Jio Financial Services Limited	143,209	—	1.2%	-27.7%	0.28%	4	99	9
Tata Capital Limited	139,210	—	—	—	—	—	61	28
Cholamandalam Investment and Finance Company Limited (this stock)	138,119	—	17.2%	0.9%	—	50	29	25
Bajaj Holdings & Investment Limited	120,064	—	11.9%	-10.1%	1.34%	80	91	31
Muthoot Finance Limited	109,886	—	26.7%	-13.0%	1.10%	71	65	13

Valuation multiples

Current only. Market cap is the whole company's; sales/EBITDA are trailing-twelve-month standalone; debt and cash come from the latest filed standalone balance sheet. EBITDA = PBT + interest + depreciation.

Enterprise value

Data unavailable.

EV / EBITDA

Data unavailable.

EV / Sales

Data unavailable.

Market cap / Sales

19.76x

Earnings yield

Data unavailable.

Quarterly Financials

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Standalone Consolidated

↑ Positive

Quarterly Revenue

Mar 2019 quarterly revenue is Rs 1,885 Cr, up 24.7% YoY.

↑ Positive

Quarterly Net Profit

Mar 2019 quarterly net profit is Rs 292 Cr, up 0.3% YoY.

Period end	Revenue (₹ Cr)	PBT (₹ Cr)	Net profit (₹ Cr)	Basic EPS
June 30, 2026	8,833	2,220	1,654	₹
March 31, 2026	8,392	2,137	1,641	₹
Dec. 31, 2025	7,875	1,733	1,288	₹
Sept. 30, 2025	7,470	1,561	1,155	₹
June 30, 2025	7,245	1,530	1,136	₹
March 31, 2025	7,025	1,706	1,267	₹
Dec. 31, 2024	6,709	1,464	1,087	₹
Sept. 30, 2024	6,227	1,299	963	₹
June 30, 2024	5,785	1,268	942	₹
March 31, 2024	5,420	1,437	1,058	₹
Dec. 31, 2023	4,960	1,157	876	₹
Sept. 30, 2023	4,435	1,021	762	₹
June 30, 2023	4,030	968	726	₹

Quarterly income statement (standalone, ₹ Cr)

Indicator	Mar 19	Dec 18	Sep 18	Jun 18	Mar 18	Dec 17	Sep 17	Jun 17	Mar 17	Dec 16	Sep 16	Jun 16	Mar 16
Total income (before exceptional items)	1,885	1,831	1,676	1,597	1,512	1,383	1,296	1,235	1,213	817	263	802	828
Operating revenue	1,885	1,831	1,676	1,597	1,511	1,383	1,296	1,235	1,213	816	262	802	827
Other income	0	0	0	0	0	0	0	0	0	0	0	0	1
Operating expenses	423	396	340	344	438	400	380	366	317	-217	—	-249	-232
Operating profit	1,462	1,435	1,336	1,253	1,073	983	916	869	896	1,034	—	1,050	1,059
Operating profit margin	77.6%	78.4%	79.7%	78.5%	71.0%	71.1%	70.6%	70.4%	73.9%	126.6%	—	131.0%	128.0%
Depreciation	15	15	13	13	15	13	12	10	11	10	9	7	6
Interest	986	956	864	802	620	590	557	541	548	566	—	548	533
Exceptional items, gain / (loss)	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit before tax	461	464	460	439	439	379	347	318	338	251	263	254	296
Tax	169	159	155	154	148	130	120	112	118	88	92	88	104
Net profit	292	304	305	285	291	249	227	207	220	163	171	166	192
EPS	18.67	19.47	—	—	—	—	—	—	—	—	—	—	—
Net profit (TTM)	1,186	1,185	1,130	1,053	974	903	816	760	719	691	674	624	568
EPS (TTM)	—	—	—	—	—	—	—	—	—	—	—	—	—

Total income excludes exceptional items, which are shown on their own row. Trendlyne and Screener fold exceptional items into revenue or other income, so their totals differ from this table by exactly that row.

Annual Financials

Year ended	Revenue (₹ Cr)	PBT (₹ Cr)	Net profit (₹ Cr)
March 31, 2026	30,982	6,961	5,220
March 31, 2025	25,746	5,737	4,259
March 31, 2024	18,845	4,582	3,423
March 31, 2023	12,757	3,600	2,666

Annual income statement (standalone, ₹ Cr; CAGR to the latest year)

Indicator	CAGR 3Y	CAGR 5Y	Mar 26	Mar 25	Mar 24	Mar 23	Mar 19	Mar 18	Mar 17	Mar 16	Mar 15	Mar 14	Mar 13
Total income (before exceptional items)	—	—	—	—	—	—	6,989^†	5,426^†	3,095^†	2,920^†	2,617^†	2,314^†	1,861^†
Operating revenue	34.4%	—	30,982	25,746	18,845	12,757	6,989^†	5,425^†	3,094^†	2,919^†	2,616^†	2,307^†	1,859^†
Other income	—	—	—	—	—	—	1^†	0^†	1^†	1^†	1^†	7^†	1^†
Operating expenses	—	—	—	—	—	—	1,502^†	1,585^†	—	-800^†	-916^†	-853^†	-738^†
Operating profit	—	—	—	—	—	—	5,486^†	3,840^†	—	3,719^†	3,532^†	3,160^†	2,598^†
Operating profit margin	—	—	—	—	—	—	78.5%^†	70.8%^†	—	127.4%^†	135.0%^†	137.0%^†	139.7%^†
Depreciation	—	—	—	—	—	—	55^†	50^†	38^†	21^†	29^†	24^†	20^†
Interest	—	—	—	—	—	—	3,608^†	2,308^†	—	2,051^†	1,960^†	1,771^†	1,411^†
Exceptional items, gain / (loss)	—	—	—	—	—	—	0^†	0^†	0^†	0^†	0^†	0^†	0^†
Profit before tax	24.6%	—	6,961	5,737	4,582	3,600	1,823^†	1,483^†	1,106^†	871^†	657^†	550^†	451^†
Tax	—	—	—	—	—	—	637^†	509^†	387^†	302^†	222^†	186^†	144^†
Net profit	25.1%	—	5,220	4,259	3,423	2,666	1,186^†	974^†	719^†	568^†	435^†	364^†	307^†
EPS	—	—	—	—	—	—	—	—	—	—	—	—	—

^† Derived: the sum of that fiscal year's four quarterly filings (a real annual filing is used wherever one exists). Checked against filed annual figures, the sum lands within 0.5% for about 94% of company-years.

Annual ratios (standalone)

Ratio	Mar 26	Mar 25	Mar 24	Mar 23	Mar 19	Mar 18	Mar 17	Mar 16	Mar 15	Mar 14	Mar 13
Operating margin	—	—	—	—	78.5%^†	70.8%^†	—	127.4%^†	135.0%^†	137.0%^†	139.7%^†
EBIT margin	—	—	—	—	77.7%^†	69.9%^†	—	100.1%^†	100.1%^†	100.6%^†	100.1%^†
PBT margin	22.5%	22.3%	24.3%	28.2%	26.1%^†	27.3%^†	35.7%^†	29.8%^†	25.1%^†	23.8%^†	24.2%^†
Net margin	16.8%	16.5%	18.2%	20.9%	17.0%^†	18.0%^†	23.2%^†	19.5%^†	16.6%^†	15.8%^†	16.5%^†
Interest coverage	—	—	—	—	1.51x^†	1.64x^†	—	1.42x^†	1.34x^†	1.31x^†	1.32x^†
Dividend payout	—	—	—	—	—	—	—	—	—	—	—
Earnings retention	—	—	—	—	—	—	—	—	—	—	—
Current ratio	—	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—	—
Debt to equity	—	—	—	—	—	—	—	—	—	—	—
Return on equity	17.2%	18.0%	—	—	—	—	—	—	—	—	—
Return on assets	2.1%	2.1%	—	—	—	—	—	—	—	—	—
Return on capital employed	—	—	—	—	—	—	—	—	—	—	—
Asset turnover	0.13x	0.13x	—	—	—	—	—	—	—	—	—

Margins and asset turnover use operating revenue (interest earned for banks, excluding other income), not total income. Liquidity, leverage and return ratios need a filed standalone balance sheet, which exists only for recent years; returns use year-end equity/assets. Dividend payout is shown only for companies with a dividend record. † = built from a summed fiscal year.

Revenue Mix

Data unavailable.

Cash Flow

Year ended	Operating (₹ Cr)	Investing (₹ Cr)	Financing (₹ Cr)	Capex (₹ Cr)	Free Cash Flow (₹ Cr)
March 31, 2026	-29,920	-2,543	35,497	263	-30,184
March 31, 2025	-32,404	-2,867	39,707	194	-32,599
March 31, 2024	-35,768	-2,705	38,405	1,049	-36,816
March 31, 2023	-27,037	-2,160	27,449	141	-27,178
March 31, 2022	-5,608	1,667	5,151	56	-5,664

Balance Sheet (standalone)

Year ended	Total Assets (₹ Cr)	Total Equity (₹ Cr)	Reserves (₹ Cr)	Borrowings, Current (₹ Cr)	Borrowings, Non-current (₹ Cr)	Current Assets (₹ Cr)	Current Liabilities (₹ Cr)	Cash & Equivalents (₹ Cr)	Net Block (₹ Cr)	Inventory (₹ Cr)
March 31, 2026	245,070	30,404	30,234	—	—	—	—	8,312	1,834	0
March 31, 2025	201,648	23,627	23,459	—	—	—	—	5,278	1,747	0
March 31, 2024	—	—	—	—	—	—	—	—	—	—
March 31, 2023	—	—	—	—	—	—	—	—	—	—
March 31, 2022	—	—	—	—	—	—	—	—	—	—

Financial charts

Trend charts drawn from the standalone income-statement and ratio tables above (oldest year on the left); a gap means that period has no figure. Annual years marked † in the tables are derived from four quarters.