Cholamandalam Investment and Finance Company Ltd.
NSE: CHOLAFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Cholamandalam Investment and Finance Company Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Cholamandalam Investment and Finance Company Limited is a prominent Indian non-banking financial company offering a diverse range of credit products including vehicle finance, home loans, and loans against property. The company also provides diversified financial services such as wealth management, stock broking, and omni-channel payment solutions.
Business Model
The company generates revenue primarily through interest income on its diversified loan portfolio and fee-based income from its wealth management, broking, and payment gateway services. It leverages an extensive branch network to reach customers across various segments, including MSMEs and rural borrowers.
- Branch Network:1,145
Growth Outlook
Growth is driven by the expansion of its core vehicle finance and mortgage segments, alongside the scaling of new business lines like MSME loans and digital payment solutions. The company continues to focus on deepening its penetration in rural and semi-urban markets.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on vehicle or property loans, particularly during economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the demand for credit products.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Asset Quality Risk. A significant portion of the portfolio is concentrated in vehicle finance, making the company sensitive to cyclical trends in the automotive sector.
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Key Metrics
REVENUE
₹32,663 Cr
TTM · consolidated
NET PROFIT
₹5,751 Cr
TTM · consolidated
EPS
₹67.83
TTM · consolidated
RETURN ON EQUITY
21.2%
TTM · consolidated
P/E
27.1x
Q1 FY27 · consolidated
NET PROFIT MARGIN
18.7%
Q1 FY27 · consolidated
DEBT TO EQUITY
6.9%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Cholamandalam Investment and Finance Company Ltd.CHOLAFIN | ₹1.57L Cr | 27.11 | — | 19.6% | — | 21.2% | — | +25.9% |
Shriram Finance Ltd.SHRIRAMFIN | ₹2.45L Cr | 18.37 | — | 14.2% | — | 18.5% | — | +77.7% |
Tata CapitalTATACAP | ₹1.59L Cr | 29.10 | — | — | — | 11.9% | — | — |
Muthoot Finance Ltd.MUTHOOTFIN | ₹1.17L Cr | 10.29 | — | 50.7% | — | 33.5% | — | +3.1% |
L&T Finance Ltd.LTF | ₹78,673 Cr | 24.70 | — | 15.4% | — | 11.9% | — | +37.8% |
SBI Cards and Payment Services Ltd.SBICARD | ₹62,640 Cr | 27.54 | — | 7.9% | — | 15.4% | — | -17.0% |
As of Q1 FY27
Financials
Cholamandalam Investment and Finance Company Ltd.
NSE: CHOLAFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Cholamandalam Investment and Finance Company Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Cholamandalam Investment and Finance Company Limited is a prominent Indian non-banking financial company offering a diverse range of credit products including vehicle finance, home loans, and loans against property. The company also provides diversified financial services such as wealth management, stock broking, and omni-channel payment solutions.
Business Model
The company generates revenue primarily through interest income on its diversified loan portfolio and fee-based income from its wealth management, broking, and payment gateway services. It leverages an extensive branch network to reach customers across various segments, including MSMEs and rural borrowers.
- Branch Network:1,145
Growth Outlook
Growth is driven by the expansion of its core vehicle finance and mortgage segments, alongside the scaling of new business lines like MSME loans and digital payment solutions. The company continues to focus on deepening its penetration in rural and semi-urban markets.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on vehicle or property loans, particularly during economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the demand for credit products.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Asset Quality Risk. A significant portion of the portfolio is concentrated in vehicle finance, making the company sensitive to cyclical trends in the automotive sector.
Start your research today
Unlock AI insights, financials, peers and live data on Cholamandalam Investment and Finance Company Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹32,663 Cr
TTM · consolidated
NET PROFIT
₹5,751 Cr
TTM · consolidated
EPS
₹67.83
TTM · consolidated
RETURN ON EQUITY
21.2%
TTM · consolidated
P/E
27.1x
Q1 FY27 · consolidated
NET PROFIT MARGIN
18.7%
Q1 FY27 · consolidated
DEBT TO EQUITY
6.9%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27