ScoreWhy is Cholamandalam Financial Holdings Ltd ?
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
- The technical trend has deteriorated from Sideways on 09-Apr-25 and has generated 6.65% returns since then
- A key technical factor - RSI has been Bearish since 09 Apr 2025
3
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.87% over the previous quarter and currently hold 46.45% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance/NBFC)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Chola Financial for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Chola Financial
60.18%
1.45
41.83%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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%
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
PAT(9M)
At Rs 1,560.09 cr has Grown at 23.87 %
NET SALES(HY)
At Rs 16,579.25 cr has Grown at 26.44 %
PBDIT(Q)
Highest at Rs 4,717.52 cr.
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 9,102.95 cr
-1What is not working for the Company
PAT(Q)
At Rs 486.19 cr has Fallen at -5.3 %
Loading Valuation Snapshot...
Here's what is working for Chola Financial
Net Sales - Quarterly
Highest at Rs 8,489.09 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 4,717.52 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 9,102.95 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Chola Financial
Profit After Tax (PAT) - Quarterly
At Rs 486.19 cr has Fallen at -5.3 %
over average PAT of the previous four quarters of Rs 513.52 CrMOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
Highest at Rs 103.89 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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