Cholamandalam Investment & Finance Company Ltd share price logo

Cholamandalam Investment & Finance Company Ltd Share Price

(CHOLAFIN)

₹1565.50.06%

as on 01:00PM, 23 Apr 2025

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UBS upgrades Cholamandalam Investment to Buy, raising target price to ₹1,950, citing strong growth outlook and improving return metrics.

Cholafin Performance

  • Day's Low

    Day's High

    ₹1,559.2
    Day's Price Range
    ₹1,620
  • 52 Week's Low

    52 Week's High

    ₹1,125.5
    52-Week Price Range
    ₹1,682
1 Month Return+ 2.43 %
3 Month Return+ 25.71 %
1 Year Return+ 37.01 %
Previous Close₹1,566.40
Open₹1,565.20
Volume21.70L
Upper Circuit₹1,723.00
Lower Circuit₹1,409.80
Market Cap₹1,31,724.98Cr

Cholafin Fundamentals

P/E Ratio

32.35

PEG Ratio

3.38

Market Cap

₹1,31,724.98 Cr

P/B Ratio

4.97

EPS

40.59

Dividend Yield

0.17

Sector

Finance

ROE

20.22

Cholafin Analyst Rating

based on 33 analysts

BUY

75.76%

Buy

15.15%

Hold

9.09%

Sell

Based on 33 analysts offering long term price targets for Cholafin. An average target of ₹1531.7

Source: S&P Global Market Intelligence

Cholafin Share analysis

Cholafin price forecast by 33 analysts

Downside of-2.22%

High

₹1850

Target

₹1531.70

Low

₹1085

Cholafin target price ₹1531.7, a slight downside of -2.22% compared to current price of ₹1565.5. According to 33 analysts rating.

Source: S&P Global Market Intelligence

What's happening today

  • img

    Today's Timeline - Invalid Date

    09:24 AM

    -

    Chola Investment shares surged 3% after UBS upgraded stock to Buy, raising target price to ₹1,950.

Key events for Cholamandalam Investment & Finance Company Ltd

  • UBS Upgrades Chola Investment to Buy Rating - 23 Apr, 2025

    Cholamandalam Investment and Finance Company shares rose 3% following UBS's upgrade to Buy with a target price of ₹1,950, citing strong growth and improving profitability metrics.
  • Cholamandalam Investment Faces Downgrade and Decline - 22 Apr, 2025

    Cholamandalam Investment & Finance Company Ltd experiences a significant decline following CLSA's downgrade to Hold and a revised target price of ₹1,600. The stock, which previously hit record highs, logged its worst day in six months, reflecting concerns over valuation sustainability and limited growth prospects.
  • Cholamandalam Positioned for Growth Amid Rate Cuts - 17 Apr, 2025

    Cholamandalam Investment & Finance is set to benefit from falling interest rates, with management guiding for improved net interest margins and a projected 24% AUM CAGR through its diversified portfolio and digital lending initiatives.
  • Cholamandalam Poised for Growth Amid Rate Cuts - 11 Apr, 2025

    Cholamandalam Investment & Finance Company Ltd shows strong growth potential with a 23% CAGR in AUM and 30% in pre-tax profits. The company expects robust EPS growth and improved net interest margins as rate cuts are implemented.
  • Cholamandalam Shares Decline Amid RBI Guidelines - 09 Apr, 2025

    On April 9, Cholamandalam Investment shares faced significant declines, dropping up to 10% after the RBI announced new guidelines on gold loans. The stock closed down 4.26% for the day. Despite potential benefits from lower borrowing costs, the immediate market reaction was negative.
  • Cholamandalam Investment Plans Bond Issuance - 07 Apr, 2025

    Cholamandalam Investment and Finance (CHOLAFIN) plans to raise ₹10 billion through subordinated bonds maturing in seven years, offering an annual coupon of 8.75%.
  • Cholamandalam Announces Postal Ballot for Shareholders - 31 Mar, 2025

    Cholamandalam Investment and Finance Co. Ltd. has dispatched a Postal Ballot Notice and E-Voting information to shareholders, enhancing engagement and transparency in decision-making processes.
  • Cholamandalam Finance Sees Positive Developments - 26 Mar, 2025

    Cholamandalam Investment & Finance Company is experiencing positive momentum, with increased index weights and expert predictions of potential price targets reaching Rs 1800.
  • Cholamandalam Investment Appoints New Executive Chairman - 25 Mar, 2025

    Cholamandalam Investment appoints Vellayan Subbiah as Executive Chairman for five years starting April 1, 2025. The company also reports a 24% profit increase in Q3 FY25 and gains favor from HSBC Global Research.

Insights on Cholamandalam Investment & Finance Company Ltd

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Retail Holding Up

    img

    Retail Investor have increased holdings from 6.01% to 6.54% in Dec 2024 quarter

  • imgPOSITIVE IMPACT

    Best in 3 Years

    img

    In the last 3 years, CHOLAFIN has outperformed top 5 stocks with highest market-cap in Consumer Lending

  • imgPOSITIVE IMPACT

    FII Holding Up

    img

    Foreign Institutions have increased holdings from 27.18% to 27.43% in Dec 2024 quarter

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 3 quarters, 947.15 Cr → 1.08K Cr (in ₹), with an average increase of 6.6% per quarter

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 15 quarters, 2.48K Cr → 6.83K Cr (in ₹), with an average increase of 6.9% per quarter

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Muthoot Finance Ltd has given 40.5% return, outperforming this stock by 3.5%

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 7 days, CHOLAFIN stock has moved down by -2.8%

  • imgNEGATIVE IMPACT

    MF Holding Down

    img

    Mutual Funds have decreased holdings from 14.25% to 13.37% in Dec 2024 quarter

  • imgNEGATIVE IMPACT

    Promoter Holding Down

    img

    Promoters have decreased holdings from 50.24% to 49.93% in Dec 2024 quarter

Cholafin Financials

Value in ₹ crore
DetailsQ'4 23Q'1 24Q'2 24Q'3 24Q'4 24
Revenue₹5,054.76Cr (-)₹5,515.37Cr (↑9.11%)₹5,857.28Cr (↑6.20%)₹6,323.01Cr (↑7.95%)₹6,837.83Cr (↑8.14%)
Net Income₹872.02Cr (-)₹1,065.23Cr (↑22.16%)₹947.15Cr (↓11.08%)₹967.80Cr (↑2.18%)₹1,088.21Cr (↑12.44%)
Net Profit Margin17.25% (-)19.31% (↑11.94%)16.17% (↓16.26%)15.31% (↓5.32%)15.91% (↑3.92%)
Value in ₹ crore
Details2021202220232024
Total Assets₹74,551.03Cr (-)₹82,366.45Cr (↑10.48%)₹1,13,533.34Cr (↑37.84%)₹1,56,482.59Cr (↑37.83%)
Total Liabilities₹64,990.72Cr (-)₹70,658.77Cr (↑8.72%)₹99,237.29Cr (↑40.45%)₹1,36,926.08Cr (↑37.98%)
Value in ₹ crore
Details20202021202220232024
Operating Cash Flow-₹2,086.22Cr (-)-₹8,857.04Cr (↑324.55%)-₹5,607.52Cr (↓36.69%)-₹27,036.89Cr (↑382.15%)-₹35,767.52Cr (↑32.29%)

Cholafin Index Inclusions

NIFTY 100

₹24,850.95

0.32 (80.5%)

BSE 200

₹10,982.09

0.34 (37.04%)

DFRGRI Indices

₹1,533.36

0.12 (1.86%)

S&P BSE 250 LargeMidCap

₹10,386.41

0.29 (30.12%)

S&P BSE SEN. N50

₹81,159.97

0.17 (135.47%)

S&P BSE Dividend Stability

₹977.37

0.48 (4.67%)

Nifty Financial

₹26,403.10

-0.83 (-221.7%)

BSE 100

₹25,391.85

0.3 (76.15%)

Nifty 200

₹13,465.65

0.37 (49.65%)

Nifty 500

₹22,160.25

0.34 (75.1%)

S&P BSE Largecap

₹9,340.24

0.29 (27.41%)

Nifty LargeMidcap 250

₹15,452.75

0.38 (58.5%)

S&P BSE Fin. Ser

₹12,299.38

-0.6 (-74.7%)

S&P BSE 100 LargeCap TMC

₹8,957.67

0.29 (25.49%)

S&P BSE AllCap

₹10,471.31

0.68 (71.07%)

Nifty100 Eq Weig

₹31,463.05

0.37 (115.4%)

Nifty Next 50

₹65,629.60

0.12 (81.2%)

BSE 500

₹34,844.41

0.33 (114.12%)

Cholafin Shareholding Pattern

InvestorsHoldings %FY Quarter3M change
Promoter Holdings
49.93%
-0.61
Foreign Institutions
27.43%
0.92
Mutual Funds
13.37%
-6.13
Retail Investors
6.54%
8.88
Others
2.73%
16.96

Cholafin Key Indicators

Details20202021202220232024
Return On Equity %14.6717.0920.1920.5120.22
Details20202021202220232024
Return On Assets %1.652.042.612.352.19
Details20202021202220232024
Book Value Per Share (₹)100.01117.02143.28174.44233.15
Details20202021202220232024
Earning Per Share (₹)12.8618.5526.2832.5540.59

Cholafin Valuation

Cholafin in the last 5 years

  • Overview

  • Trends

Lowest (9.06x)

May 26, 2020

Industry (27.95x)

April 22, 2025

Today (32.35x)

April 22, 2025

Highest (50.04x)

May 31, 2019

LowHigh

Cholafin Earnings and Dividends

  • Cholamandalam Investment & Finance Company Ltd Earnings Results

    Cholamandalam Investment & Finance Company Ltd’s net profit jumped 24.79% since last year same period to ₹1,088.21Cr in the Q3 2024-2025. On a quarterly growth basis, Cholamandalam Investment & Finance Company Ltd has generated 12.44% jump in its net profits since last 3-months.

    Read More about Earnings Results
  • Cholamandalam Investment & Finance Company Ltd Dividends January,2025

    In the quarter ending December 2024, Cholamandalam Investment & Finance Company Ltd has declared dividend of ₹1.30 - translating a dividend yield of 0.13%.

    Read More about Dividends

Cholafin Technicals Summary

Bearish

Neutral

Bullish

Bullish

Cholamandalam Investment & Finance Company Ltd is currently in a Bullish trading position according to technical analysis indicators.

Cholafin Peer Comparison

Company
Analyst ViewMarket Cap5 Year CAGRDebt to Asset RatioNet ProfitYearly Revenue
BUY₹1,31,724.98 Cr186.38%0.94₹3,410 Cr₹19,163 Cr
BUY₹5,75,474.00 Cr65.25%0.88₹14,451 Cr₹54,971 Cr
HOLD₹56,251.59 Cr-8.7%0.51-₹1,423 Cr₹9,977 Cr
BUY₹91,240.70 Cr35.61%0.85₹4,467 Cr₹15,061 Cr
BUY₹3,31,626.72 Cr67.83%0.50₹15,595 Cr₹1,10,382 Cr

About Cholafin

Cholamandalam Investment and Finance Company (CIFCL) is a comprehensive financial services provider offering a variety of services such as vehicle finance, home loans, SME loans, consumer and small enterprise loan, loan against property, insurance agency, home equity loans, secured business and personal loan, wealth management, stock broking, mutual fund distribution and others across 1145 branches in India. It has achieved the assets under management of above Rs. 82000 crore. CIFCL entered into an MOU with VE Commercial Vehicles Ltd, a joint venture between the Volvo Group and Eicher Motors Ltd., to finance Eicher Heavy Duty Trucks and Buses. In the last one year, it took strategic initiatives to strengthen the position to be a strong NBFC and exited the asset management business. In FY 2021 home loans were offered across 9 states including Tamil Nadu, Andhra Pradesh, Karnataka, Madhya Pradesh, Kerala, Gujarat, Maharashtra, Rajasthan and Chhattisgarh. Through strategic partnerships, it entered the fintech space and launched Consumer and Small Enterprise Loan (CSEL), Secured Business and Personal Loan (SBPL) and SME Loans. It also made investment of Rs. 450 crores to acquire 73.8% of the Payswiff Technologies Private Limited (PTPL) and 16.29% of the equity share capital of Paytail Commerce Private Limited. In FY 2022 Home Loans were offered across 11 states including Tamil Nadu, Andhra Pradesh, Karnataka, Kerala, Haryana, Gujarat, Maharashtra, Rajasthan, Telangana Madhya Pradesh and Chhattisgarh.

Revenue: ₹6,837.83Cr as on December 2024 (Q4 24)
Net Profit: ₹1,088.21Cr as on December 2024 (Q4 24)
Listing date: 12 Jul, 1995
Chairperson Name: Vellayan Subbiah
OrganisationCholafin
Headquarters
IndustryFinance
E-voting on sharesClick here to vote

FAQs on Cholamandalam Investment & Finance Company Ltd

What is Cholamandalam Investment & Finance Company Ltd price today?

Cholamandalam Investment & Finance Company Ltd share price today stands at ₹1565.5, Open: ₹1565.2, Previous Close: ₹1566.4, High: ₹1620, Low: ₹1559.2, 52 Week High: ₹1682, 52 Week Low: ₹1125.5.

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What are today's traded volumes of Cholamandalam Investment & Finance Company Ltd?

Today's traded volume of Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) is 21.70L.

What is today's market capitalisation of Cholamandalam Investment & Finance Company Ltd?

Today's market capitalisation of Cholamandalam Investment & Finance Company Ltd(CHOLAFIN) is ₹131724.98Cr.

What is the 52 Week High and Low Range of Cholamandalam Investment & Finance Company Ltd?

Cholamandalam Investment & Finance Company Ltd (CHOLAFIN)
Price
52 Week High
₹1682
52 Week Low
₹1125.5

How much percentage Cholamandalam Investment & Finance Company Ltd is down from its 52 Week High?

Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) share price is ₹1565.5. It is down -6.93% from its 52 Week High price of ₹1682

How much percentage Cholamandalam Investment & Finance Company Ltd is up from its 52 Week low?

Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) share price is ₹1565.5. It is up 39.09% from its 52 Week Low price of ₹1125.5