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Cholamandalam Investment and Finance Company Limited
CHOLAFIN · NBFC · NSE
₹1,568
Current Market Price
Fair Value (P/B + Residual Income)
₹788
Discount to FV
-49.7%
Updated just now
YieldIQ Score
50/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
90%
ROE
17.2%
Debt/Equity
6.93
Cost of Equity
11.0%
Market Cap
₹1.34 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
5.6%
Return on capital employed
Revenue CAGR (3Y)
33.9%
3-year revenue growth
Revenue CAGR (5Y)
12.4%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,568.1
Bear case
Margin of Safety —
Implied upside -184.2%
Base case
Margin of Safety -9373.7%
Implied upside -98.9%
Bull case
Margin of Safety -112.9%
Implied upside -53.0%
Ratio Trends
CHOLAFIN · last 9 annual periods
ROE
17.2%
ROCE
9.0%
Operating Margin
—
Debt / Equity
6.93×
PE
22.1×
EV / EBITDA
—
Historical Financials
CHOLAFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹5864 Cr | ₹7145 Cr | ₹9939 Cr | ₹13.7K Cr | ₹17.2K Cr | +30.8% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹7205 Cr | ₹9363 Cr | ₹13.8K Cr | — | — | +17.7% |
| PAT | ₹2154 Cr | ₹2665 Cr | ₹3420 Cr | ₹4263 Cr | ₹5233 Cr | +24.9% |
| EPS (diluted) | ₹26.19 | ₹32.38 | ₹41.06 | — | — | +11.9% |
| CFO | ₹-5571 Cr | ₹-27.1K Cr | ₹-35.7K Cr | ₹-32.4K Cr | ₹-30.0K Cr | — |
| CapEx | ₹-95.9 Cr | ₹-189 Cr | ₹-1076 Cr | ₹-200 Cr | ₹-265 Cr | — |
| FCF | ₹-5667 Cr | ₹-27.3K Cr | ₹-36.8K Cr | ₹-32.6K Cr | ₹-30.3K Cr | — |
| Total Assets | ₹82.5K Cr | ₹113.6K Cr | ₹156.7K Cr | ₹201.9K Cr | ₹245.4K Cr | +31.3% |
| Total Debt | ₹69.3K Cr | ₹97.5K Cr | ₹134.8K Cr | ₹175.6K Cr | ₹211.1K Cr | +32.1% |
| Shareholders' Equity | ₹11.8K Cr | ₹14.3K Cr | ₹19.6K Cr | ₹23.7K Cr | ₹30.5K Cr | +26.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CHOLAFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 PFC Power Finance Corporation Limited | +25.1%+33.5% upside | 50 | Near Fair Value | 19.5% | — |
 MUTHOOTFIN Muthoot Finance Limited | -42.0%-29.6% upside | 64 | Above Fair Value | 27.1% | — |
 HDFCLIFE HDFCLIFE | — | — | Pending | 10.8% | 66.6× |
 JIOFIN JIO FIN SERVICES LTD | +11.0%+12.4% upside | 65 | Near Fair Value | 1.2% | — |
 BSE BSE | — | — | Pending | 37.4% | 43.6× |
Click a ticker to view its fair-value analysis.
Dividend History
20 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹10.00/sh
Last payout
2026-02-05
₹1.30
Peak payout
₹1.30
Trailing yield
0.13%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Cholamandalam Investment and Finance Company Limited (CHOLAFIN.NS) trades at 1568.10 vs a model fair value of 788.21, a gap of -49.7%. Pi...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of CHOLAFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for CHOLAFIN →
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Head-to-head with peers
Compare CHOLAFIN side by side →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse CHOLAFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.