Cholamandalam Financial Holdings Ltd.
NSE: CHOLAHLDNG · Investment Company
Snapshot
Unlock Cholamandalam Financial Holdings Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Cholamandalam Financial Holdings Limited operates as a core investment company with significant interests in financial services and insurance. Its subsidiaries provide a diverse range of products including vehicle finance, home loans, SME lending, and comprehensive general insurance solutions.
Business Model
The company functions primarily as a holding entity, generating value through its investments in financial services and insurance subsidiaries. It derives returns from the operational performance of these underlying businesses across lending and risk underwriting segments.
- Incorporation Year:1949
Growth Outlook
Growth is driven by the expansion of its lending portfolio and the increasing penetration of its general insurance products within the Indian market. The company leverages its established brand presence to capture demand across retail and corporate financial segments.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in its vehicle, home, and SME loan portfolios default on their repayment obligations.
- Regulatory Risk. Changes in financial sector regulations or insurance industry norms in India could adversely impact the company's operational flexibility and profitability.
- Market Volatility. As an investment holding company, its financial position is sensitive to fluctuations in the equity markets and the performance of its underlying subsidiaries.
- Underwriting Risk. The insurance arm may face financial strain if claims experience exceeds the actuarial projections used to price its general insurance products.
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Key Metrics
REVENUE
₹40,993 Cr
TTM · consolidated
NET PROFIT
₹6,015 Cr
TTM · consolidated
EPS
₹142.11
TTM · consolidated
RETURN ON EQUITY
43.0%
TTM · consolidated
P/E
10.7x
Q1 FY27 · consolidated
NET PROFIT MARGIN
16.1%
Q1 FY27 · consolidated
DEBT TO EQUITY
0.0%
Q3 FY24 · standalone
Peers · Investment Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Cholamandalam Financial Holdings Ltd.CHOLAHLDNG | ₹28,649 Cr | 10.74 | — | 17.8% | — | 43.0% | — | -12.3% |
Tata Investment Corporation Ltd.TATAINVEST | ₹32,062 Cr | 18.32 | — | 30.2% | 90.0% | 1.4% | — | -90.6% |
TVS Holdings LimitedTVSHLTD | ₹27,058 Cr | 13.73 | — | 31.4% | 16.0% | 69.7% | — | +9.5% |
Maharashtra Scooters Ltd.MAHSCOOTER | ₹15,545 Cr | 50.06 | — | 70.6% | 99.0% | 1.1% | — | -19.5% |
JSW Holdings LimitedJSWHL | ₹12,733 Cr | 86.82 | — | -27.7% | 92.0% | 0.5% | — | -38.7% |
Tsf InvestmentsTSFINV | ₹8,989 Cr | 17.23 | — | 537.1% | 24.0% | 9.1% | — | — |
As of Q1 FY27
Financials
Cholamandalam Financial Holdings Ltd.
NSE: CHOLAHLDNG · Investment Company
Snapshot
Unlock Cholamandalam Financial Holdings Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Cholamandalam Financial Holdings Limited operates as a core investment company with significant interests in financial services and insurance. Its subsidiaries provide a diverse range of products including vehicle finance, home loans, SME lending, and comprehensive general insurance solutions.
Business Model
The company functions primarily as a holding entity, generating value through its investments in financial services and insurance subsidiaries. It derives returns from the operational performance of these underlying businesses across lending and risk underwriting segments.
- Incorporation Year:1949
Growth Outlook
Growth is driven by the expansion of its lending portfolio and the increasing penetration of its general insurance products within the Indian market. The company leverages its established brand presence to capture demand across retail and corporate financial segments.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in its vehicle, home, and SME loan portfolios default on their repayment obligations.
- Regulatory Risk. Changes in financial sector regulations or insurance industry norms in India could adversely impact the company's operational flexibility and profitability.
- Market Volatility. As an investment holding company, its financial position is sensitive to fluctuations in the equity markets and the performance of its underlying subsidiaries.
- Underwriting Risk. The insurance arm may face financial strain if claims experience exceeds the actuarial projections used to price its general insurance products.
Start your research today
Unlock AI insights, financials, peers and live data on Cholamandalam Financial Holdings Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹40,993 Cr
TTM · consolidated
NET PROFIT
₹6,015 Cr
TTM · consolidated
EPS
₹142.11
TTM · consolidated
RETURN ON EQUITY
43.0%
TTM · consolidated
P/E
10.7x
Q1 FY27 · consolidated
NET PROFIT MARGIN
16.1%
Q1 FY27 · consolidated
DEBT TO EQUITY
0.0%
Q3 FY24 · standalone
Peers · Investment Company
As of Q1 FY27