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Chola Financial

  • Market Cap: Large Cap
  • Industry: Finance/NBFC
  • ISIN: INE149A01033
  • NSEID: CHOLAHLDNG
  • BSEID: 504973
INR
1,758.90
105.9 (6.41%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 1.96 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationUpcoming Result: Chola Financial will declare its result soon on 09 May 2025
stock-summaryPrice Point
High/Low

1Day

1,627.001,765.00

52 Week

1,037.452,151.45
Valuation
Technical
Day's Volume

CASH

1.96 lacs (-30.37%) Volume

Shareholding (Dec 2024)

FII

16.24%

Held by 225 FIIs

DII

23.52%

Held by 37 DIIs

Promoter

46.45%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

High Debt company with Weak Long Term Fundamental Strength

  • Poor long term growth as Net Sales has grown by an annual rate of 19.65% and Operating profit at 0% over the last 5 years
  • High Debt Company with a Debt to Equity ratio (avg) at 0 times
2

Stock is technically in a Mildly Bearish range

3

Reducing Promoter Confidence

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance/NBFC

stock-summary
Market cap

INR 33,028 Cr (Large Cap)

stock-summary
P/E

15.00

stock-summary
Industry P/E

20

stock-summary
Dividend Yield

0.03%

stock-summary
Debt Equity

13.05

stock-summary
Return on Equity

18.08%

stock-summary
Price to Book

2.73

Revenue and Profits (1 Year):
Net Sales:
8,489 Cr
(Quarterly Results - Dec 2024)
Net Profit:
486 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0.03%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-6.64%
0%
-6.64%
1 Year
60.18%
0.05%
60.23%
2 Years
207.42%
0.15%
207.57%
3 Years
173.91%
0.27%
174.18%
4 Years
197.87%
0.38%
198.25%
5 Years
512.11%
0.96%
513.07%

Latest dividend: 0.55 per share ex-dividend date: Aug-02-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
19.65%
EBIT Growth (5y)
21.17%
EBIT to Interest (avg)
14.97
Debt to EBITDA (avg)
9.31
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.19
Tax Ratio
29.27%
Dividend Payout Ratio
0.58%
Pledged Shares
0.02%
Institutional Holding
39.77%
ROCE (avg)
10.52%
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
15
Industry P/E
20
Price to Book Value
2.73
EV to EBIT
10.25
EV to EBITDA
10.07
EV to Capital Employed
1.12
EV to Sales
5.73
PEG Ratio
0.62
Dividend Yield
0.03%
ROCE (Latest)
10.41%
ROE (Latest)
18.08%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

0.0151

Mutual Funds

Held by 22 Schemes (21.26%)

FIIs

Held by 225 FIIs (16.24%)

Promoter with highest holding

Ambadi Investments Limited (37.69%)

Highest Public shareholder

Nippon Life India Trustee Ltd-a/c Nippon India Gro (5.59%)

Individual Investors Holdings

10.25%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 4.93% vs 5.99% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -7.49% vs -4.16% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "8,489.09",
          "val2": "8,090.16",
          "chgp": "4.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "4,717.52",
          "val2": "4,553.46",
          "chgp": "3.60%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "3,279.72",
          "val2": "3,057.52",
          "chgp": "7.27%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "486.19",
          "val2": "525.54",
          "chgp": "-7.49%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "55.57%",
          "val2": "56.28%",
          "chgp": "-0.71%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Consolidated) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 31.65% vs 45.03% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 35.54% vs 43.96% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "15,722.87",
          "val2": "11,943.04",
          "chgp": "31.65%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "8,933.27",
          "val2": "6,463.41",
          "chgp": "38.21%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "5,853.79",
          "val2": "4,222.13",
          "chgp": "38.65%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,073.90",
          "val2": "792.33",
          "chgp": "35.54%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "56.82%",
          "val2": "54.12%",
          "chgp": "2.70%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 29.22% vs 44.58% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 23.87% vs 42.72% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "24,211.96",
          "val2": "18,737.71",
          "chgp": "29.22%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "13,650.79",
          "val2": "10,279.64",
          "chgp": "32.79%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "9,133.51",
          "val2": "6,667.56",
          "chgp": "36.98%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,560.09",
          "val2": "1,259.46",
          "chgp": "23.87%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "56.38%",
          "val2": "54.86%",
          "chgp": "1.52%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 42.20% vs 23.92% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 37.38% vs 26.11% in Mar 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "25,803.52",
          "val2": "18,145.87",
          "chgp": "42.20%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "14,413.59",
          "val2": "9,548.34",
          "chgp": "50.95%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "9,249.46",
          "val2": "5,778.04",
          "chgp": "60.08%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,772.52",
          "val2": "1,290.23",
          "chgp": "37.38%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "55.86%",
          "val2": "52.62%",
          "chgp": "3.24%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Net Sales
8,489.09
8,090.16
4.93%
Operating Profit (PBDIT) excl Other Income
4,717.52
4,553.46
3.60%
Interest
3,279.72
3,057.52
7.27%
Exceptional Items
0.00
0.00
Consolidate Net Profit
486.19
525.54
-7.49%
Operating Profit Margin (Excl OI)
55.57%
56.28%
-0.71%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2024 is 4.93% vs 5.99% in Sep 2024

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Dec 2024 is -7.49% vs -4.16% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Consolidated) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
15,722.87
11,943.04
31.65%
Operating Profit (PBDIT) excl Other Income
8,933.27
6,463.41
38.21%
Interest
5,853.79
4,222.13
38.65%
Exceptional Items
0.00
0.00
Consolidate Net Profit
1,073.90
792.33
35.54%
Operating Profit Margin (Excl OI)
56.82%
54.12%
2.70%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 31.65% vs 45.03% in Sep 2023

Direction Arrows
Consolidated Net Profit

Growth in half year ended Sep 2024 is 35.54% vs 43.96% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
24,211.96
18,737.71
29.22%
Operating Profit (PBDIT) excl Other Income
13,650.79
10,279.64
32.79%
Interest
9,133.51
6,667.56
36.98%
Exceptional Items
0.00
0.00
Consolidate Net Profit
1,560.09
1,259.46
23.87%
Operating Profit Margin (Excl OI)
56.38%
54.86%
1.52%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 29.22% vs 44.58% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in nine months ended Dec 2024 is 23.87% vs 42.72% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
25,803.52
18,145.87
42.20%
Operating Profit (PBDIT) excl Other Income
14,413.59
9,548.34
50.95%
Interest
9,249.46
5,778.04
60.08%
Exceptional Items
0.00
0.00
Consolidate Net Profit
1,772.52
1,290.23
37.38%
Operating Profit Margin (Excl OI)
55.86%
52.62%
3.24%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is 42.20% vs 23.92% in Mar 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2024 is 37.38% vs 26.11% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Cholamandalam Financial Holdings Ltd stock-summary
stock-summary
Cholamandalam Financial Holdings Ltd
Large Cap
Finance/NBFC
Cholamandalam Financial Holdings Limited (Formerly TI Financial Holdings Limited) incorporated in 1949, is a part of the Murugappa Group, one of the most diversified business conglomerates of India. The Company offers a diverse range of financial products and risk management services to individual and corporate customers through its group companies. The Company started their business in year 1955 for manufacturing tubes.
Company Coordinates stock-summary
Company Details
Dare House, 234 N S C Bose Road Chennai Tamil Nadu : 600001
stock-summary
Tel: 91-44-42177770-5
stock-summary
http://www.cholafhl.com
stock-summary
investorservices@cfhl.murugappa.com
Registrar Details
Karvy Computershare Pvt Ltd., Karvy Selenium, Tower-B Plot No 31 & 32, Survey No 116/22, 115/24, 115/25, Financial District, Nanakramguda, Serilingampally, Mandal Ranga Reddy Dist, Hyderabad
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