Cholamandalam Investment

Market Cap (₹ Cr.)

₹1,32,233

52 Week High

1,594.00

Book Value

₹233

52 Week Low

1,011.20

PE Ratio

36.15

PB Ratio

6.75

PE for Sector

33.71

PB for Sector

2.87

ROE

17.41 %

ROCE

9.18 %

Dividend Yield

0.13 %

EPS

₹43.53

Industry

Finance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

48.18 %

Net Income Growth

27.42 %

Cash Flow Change

-31.65 %

ROE

-6.70 %

ROCE

7.30 %

EBITDA Margin (Avg.)

-0.13 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	938	986	1,017	1,054	1,136	1,109	1,163	1,176	1,213	1,296	1,350	1,389	1,456	1,606	1,675	1,826	1,885	2,030	2,197	2,275	2,151	2,114	2,440	2,505	2,517	2,467	2,471	2,547	2,632	2,771	3,038	3,375	3,794	4,134	4,572	5,019	5,492	5,829
Expenses	240	315	318	317	301	299	321	349	317	330	372	365	299	359	346	397	423	436	471	529	932	377	648	789	1,049	899	554	774	604	851	912	881	866	1,121	1,308	1,378	1,401	1,706
EBITDA	698	671	699	737	835	809	842	827	896	966	978	1,024	1,157	1,246	1,329	1,429	1,463	1,593	1,726	1,746	1,220	1,736	1,792	1,716	1,469	1,568	1,917	1,774	2,028	1,920	2,126	2,494	2,928	3,013	3,264	3,641	4,091	4,122
Operating Profit %	74 %	68 %	69 %	70 %	73 %	73 %	72 %	70 %	74 %	75 %	72 %	74 %	79 %	78 %	79 %	78 %	78 %	79 %	79 %	77 %	57 %	82 %	73 %	69 %	57 %	64 %	78 %	69 %	77 %	69 %	69 %	73 %	77 %	72 %	71 %	72 %	74 %	71 %
Depreciation	8	5	5	5	6	7	9	10	11	10	12	13	15	13	13	15	15	23	26	31	27	25	25	24	25	24	23	23	27	27	27	29	35	38	38	45	75	58
Interest	486	496	511	511	533	548	569	566	548	633	656	673	713	795	857	951	986	1,087	1,177	1,192	1,136	1,131	1,185	1,140	1,120	1,104	1,078	1,046	1,071	1,131	1,340	1,543	1,734	2,007	2,205	2,439	2,579	2,796
Profit Before Tax	203	171	183	221	296	254	263	251	338	324	310	338	429	439	460	464	461	483	523	522	57	581	582	551	324	441	817	704	929	762	758	921	1,159	968	1,021	1,157	1,437	1,268
Tax	68	60	63	75	104	99	111	85	125	124	136	148	125	165	172	174	219	187	102	143	135	177	174	239	165	162	155	169	206	244	162	241	235	273	291	358	263	355
Net Profit	136	110	120	146	192	166	171	163	220	210	204	219	285	285	305	304	292	314	307	389	43	431	432	409	243	327	607	524	690	566	563	684	853	726	762	876	1,058	942
EPS in ₹	9.34	7.57	8.09	9.33	12.30	10.61	10.94	10.40	14.05	13.42	13.05	14.04	18.25	3.65	3.90	19.47	3.73	4.02	3.93	4.97	0.53	5.26	5.27	4.99	2.97	3.98	7.39	6.38	8.40	6.89	6.86	8.32	10.38	8.83	9.27	10.45	12.60	11.22

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	23,873	27,888	30,595	44,090	57,426	64,002	74,548	82,363	1,13,516	1,56,451
Fixed Assets	68	111	140	161	163	274	220	255	399	1,557
Current Assets	7,425	8,727	9,364	1,237	4,102	7,722	6,097	5,175	4,080	5,703
Capital Work in Progress	0	0	0	4	13	10	10	37	60	12
Investments	7	2	46	73	73	73	1,619	2,076	3,620	4,100
Other Assets	23,798	27,775	30,409	43,852	57,178	63,646	72,700	79,996	1,09,437	1,50,781
Total Liabilities	20,700	24,231	26,310	38,992	51,251	55,831	64,988	70,656	99,220	1,36,895
Current Liabilities	7,889	12,721	10,423	3,923	11,036	8,495	10,074	8,836	18,768	33,238
Non Current Liabilities	12,811	11,510	15,887	35,069	40,215	47,336	54,914	61,820	80,451	1,03,657
Total Equity	3,173	3,657	4,285	5,098	6,176	8,172	9,560	11,708	14,296	19,557
Reserve & Surplus	2,530	3,501	4,129	4,942	6,019	8,008	9,396	11,543	14,132	19,388
Share Capital	644	156	156	156	156	164	164	164	164	168

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-485	76	8	-20	2,885	323	-1,908	1,210	-1,748	-68
Investing Activities	-40	-147	-202	-63	-4	-51	-1,759	1,667	-2,160	-2,705
Operating Activities	-2,271	-2,814	-1,491	-7,923	-9,331	-2,086	-8,857	-5,608	-27,037	-35,768
Financing Activities	1,826	3,037	1,701	7,965	12,220	2,461	8,708	5,151	27,449	38,405

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	51.62 %	51.60 %	51.57 %	51.55 %	51.55 %	51.52 %	51.50 %	51.49 %	51.47 %	51.46 %	51.43 %	50.37 %	50.35 %	50.33 %
FIIs	16.49 %	18.85 %	17.88 %	17.65 %	17.61 %	17.96 %	18.68 %	19.37 %	19.62 %	20.91 %	21.50 %	24.72 %	25.99 %	26.62 %
DIIs	24.44 %	21.83 %	22.54 %	22.79 %	23.01 %	22.41 %	21.92 %	21.25 %	21.47 %	20.38 %	20.04 %	18.39 %	17.04 %	16.87 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	7.46 %	7.72 %	8.01 %	8.00 %	7.84 %	8.11 %	7.89 %	7.89 %	7.43 %	7.26 %	7.03 %	6.52 %	6.61 %	6.19 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	7,631.10	4,55,813.41	30.54	54,982.51	32.75	14,451	13.82	66.90
Bajaj Finserv	1,888.20	2,95,143.00	35.38	1,10,383.00	34.50	15,595	13.48	69.45
Jio Financial Services	346.90	2,23,413.23	140.66	1,854.68	4,036.22	1,605	-5.81	55.12
Cholamandalam Investment	1,590.15	1,32,233.08	36.15	19,419.87	48.18	3,411	33.41	68.86
Shriram Finance	3,574.70	1,28,736.84	17.02	36,412.99	19.35	7,391	18.60	76.93
Bajaj Holdings & Investments	10,793.00	1,15,398.27	15.46	1,713.46	224.92	7,365	14.04	66.49
HDFC AMC	4,432.25	94,535.56	45.69	3,163.39	27.42	1,943	26.47	57.39
Muthoot Finance	2,017.00	81,155.93	18.17	15,162.74	26.62	4,468	14.45	63.20
SBI Cards	779.85	75,375.96	31.29	17,483.48	22.39	2,408	0.19	58.74
Aditya Birla Capital	227.15	58,639.83	17.03	34,560.58	14.43	3,439	17.06	57.80