Chola Invest & Fin.

₹747.9 1.9 | 0.3%

WEBSITE BSE:511243 NSE : CHOLAFIN 23 Mar, 16:01

Market Cap ₹61233 Cr.

Stock P/E 24.6

P/B 4.5

Current Price ₹747.9

Book Value ₹ 165.3

Face Value 2

52W High ₹818

Dividend Yield 0.27%

52W Low ₹ 600

Edit Ratio

Chola Invest & Fin. Research see more...

Cholamandalam Investment & Finance Company Ltd

Overview Inc. Year: 1978Industry: Finance - NBFC

Cholamandalam Investment and Finance Company Limited is an India-based non-banking finance organisation. The Company's monetary services consist of vehicle finance, home loans, mortgage against belongings, small and medium establishments (SME) loans, insurance company, mutual fund distribution, and various different financial offerings. The Company operates about 1,137 branches throughout India. The Company's product portfolio includes commercial automobile loans, car & multi utility automobile (MUV) loans, two-wheeler loans, 3-wheeler loans, construction system loans, tractor loans, loan against assets (LAP) and domestic loans. Its subsidiaries consist of Cholamandalam Securities Limited (CSEC) and Cholamandalam Home Finance Limited (CHFL).

Quarterly Price

Quarterly Monthly

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Peer Comparison

Chola Invest & Fin. Quarterly Results

#(Fig in Cr.)	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022
Operating Revenue	2454	2520	2479	2482	2496	2557	2605	2770	3017	3356
Other Income	4	0	0	0	0	0	52	26	50	52
Total Income	2458	2520	2480	2482	2497	2557	2657	2796	3067	3408
Total Expenditure	662	802	1007	910	574	778	625	874	937	909
Operating Profit	1796	1718	1473	1572	1923	1780	2031	1922	2130	2499
Interest Expense	1185	1140	1120	1104	1078	1046	1071	1130	1340	1543
Depreciation	25	25	26	25	24	24	28	28	28	30
Profit Before Tax	586	553	327	444	821	710	932	764	762	926
Provision for Tax	151	143	82	115	211	182	241	197	196	238
Profit After Tax	435	410	245	329	610	528	692	567	566	688
Adjustments	0	-0	-0	-1	0	-0	-5	-5	-3	-3
Profit After Adjustments	435	410	245	329	611	528	687	562	563	685
Adjusted Earnings Per Share	5.3	5	3	4	7.4	6.4	8.4	6.8	6.8	8.3

Chola Invest & Fin. Profit & Loss

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	TTM
Operating Revenue	1779	2570	3279	3715	4214	4693	5559	7088	8712	9579	10141	11748
Other Income	226	36	118	186	135	234	3	24	2	61	92	180
Total Income	2005	2606	3397	3900	4349	4928	5562	7111	8714	9640	10233	11928
Total Expenditure	746	723	1049	1246	1400	1553	1453	1635	2423	2914	2927	3345
Operating Profit	1260	1884	2348	2654	2949	3374	4108	5477	6291	6726	7306	8582
Interest Expense	990	1410	1769	1958	2048	2228	2657	3588	4592	4576	4298	5084
Depreciation	10	22	25	30	22	39	51	57	111	102	101	114
Profit Before Tax	289	452	554	666	879	1107	1401	1832	1588	2048	2908	3384
Provision for Tax	120	144	186	222	305	390	483	635	534	527	749	872
Profit After Tax	169	308	368	444	575	718	918	1197	1054	1521	2159	2513
Adjustments	0	0	0	0	0	2	2	1	-0	-1	-5	-16
Profit After Adjustments	169	308	368	444	575	719	919	1198	1054	1521	2154	2497
Adjusted Earnings Per Share	2.5	4.3	5.1	6.1	7.3	9.2	11.8	15.3	12.9	18.5	26.2	30.3

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	6%	13%	17%	19%
Operating Profit CAGR	9%	10%	17%	19%
PAT CAGR	42%	22%	25%	29%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	4%	76%	22%	30%
ROE Average	20%	17%	19%	18%
ROCE Average	9%	10%	10%	11%

Chola Invest & Fin. Balance Sheet

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Shareholder's Funds	1404	1953	2287	3174	3670	4298	5125	6209	8200	9600	11769
Minority's Interest	0	0	0	0	4	2	0	0	0	0	0
Borrowings	7155	8299	9833	12425	10931	15105	35069	45707	51967	59258	65253
Current Liability	4866	7841	9090	7906	12710	10411	3966	5566	3891	5778	5450
Other Liabilities & Provisions	21	68	205	179	292	467	-359	-452	-527	-760	-668
Total Liabilities	13445	18160	21414	23683	27607	30283	43801	57030	63531	73875	81804
Loans	8343	11474	13351	15468	18188	19935	42244	52611	55396	65839	74145
Investments	4	29	22	16	12	134	23	42	33	1584	2055
Fixed Assets	56	73	74	69	120	150	170	167	283	227	258
Other Loans	49	57	67	67	70	122	198	186	210	212	292
Other Non Current Assets	367	460	615	608	451	532	4	18	15	134	71
Current Assets	4626	6067	7285	7456	8765	9409	1161	4006	7594	5879	4983
Total Assets	13445	18160	21414	23683	27607	30283	43801	57030	63531	73875	81804

Chola Invest & Fin. Cash Flow

#(Fig in Cr.)	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Opening Cash & Cash Equivalents	56	139	456	676	191	275	278	300	3162	3368	1480
Cash Flow from Operating Activities	-3574	-3754	-2447	-2264	-2809	-1468	-7926	-9317	-2075	-8848	-5571
Cash Flow from Investing Activities	55	5	-83	-40	-140	-222	-60	-11	-54	-1746	1640
Cash Flow from Financing Activities	3602	4067	2749	1819	3031	1692	8009	12191	2452	8707	5150
Net Cash Inflow / Outflow	83	317	219	-485	82	2	22	2862	323	-1888	1218
Closing Cash & Cash Equivalent	139	456	676	191	275	278	300	3162	3485	1480	2699

Chola Invest & Fin. Ratios

#	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022
Earnings Per Share (Rs)	2.55	4.3	5.14	6.14	7.33	9.21	11.76	15.32	12.86	18.55	26.23
CEPS(Rs)	2.71	4.6	5.49	6.6	7.64	9.69	12.39	16.04	14.22	19.8	27.52
DPS(Rs)	0.5	0.7	0.7	0.7	0.9	1.1	1.3	1.3	1.7	2	2
Book NAV/Share(Rs)	21.18	27.29	31.94	37.22	47	55	65.44	79.18	99.68	116.65	142.67
Net Profit Margin	9.5	11.98	11.23	11.96	13.64	15.3	16.51	16.89	12.1	15.88	21.29
Operating Margin	71.9	72.45	70.86	70.64	69.47	71.06	72.99	76.47	70.94	69.14	71.05
PBT Margin	16.26	17.59	16.91	17.93	20.87	23.6	25.2	25.84	18.23	21.38	28.67
ROA(%)	1.46	1.95	1.86	1.97	2.24	2.48	2.48	2.37	1.75	2.21	2.77
ROE(%)	13.71	18.35	17.38	17.91	18.12	18.02	19.5	21.18	14.68	17.16	20.29
ROCE(%)	11.67	12.39	12.37	12.21	11.99	12.22	11.3	10.81	10.3	9.7	9.34
Price/Earnings(x)	14.52	12.61	11.2	19.13	19.46	20.95	24.65	18.89	11.9	30.13	27.39
Price/Book(x)	1.75	1.99	1.8	3.16	3.04	3.51	4.43	3.66	1.53	4.79	5.03
Dividend Yield(%)	1.35	1.29	1.21	0.6	0.63	0.57	0.45	0.45	1.11	0.36	0.28
EV/Net Sales(x)	7.65	7.29	6.52	7.55	7.87	8.23	10.8	9.8	6.95	10.89	12.21
EV/Core EBITDA(x)	10.8	9.95	9.11	10.56	11.25	11.45	14.61	12.69	9.62	15.5	16.95
Interest Earned Growth(%)	47.5	44.45	27.59	13.28	13.43	11.38	18.43	27.51	22.92	9.96	5.86
Net Profit Growth	99.79	82.21	19.61	20.6	29.39	24.93	27.83	30.43	-11.93	44.33	41.9
EPS Growth(%)	80.61	68.77	19.54	19.42	19.39	25.55	27.74	30.3	-16.1	44.25	41.42
Interest Coverage(x) %	1.29	1.32	1.31	1.34	1.43	1.5	1.53	1.51	1.35	1.45	1.68

Chola Invest & Fin. Shareholding Pattern

#	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022
Promoter	51.64	51.64	51.62	51.61	51.57	51.55	51.55	51.52	51.5	51.49
FII	11.32	13.17	16.49	18.85	17.88	17.65	17.61	17.96	18.68	19.37
DII	29.13	27.37	24.43	21.83	22.54	22.79	23.01	22.41	21.92	21.25
Public	7.9	7.82	7.46	7.72	8.01	8	7.84	8.11	7.89	7.89
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022
Promoter	42.33	42.33	42.33	42.33	42.33	42.32	42.32	42.32	42.32	42.31
FII	9.28	10.8	13.52	15.47	14.67	14.49	14.46	14.75	15.35	15.92
DII	23.88	22.43	20.04	17.9	18.5	18.71	18.89	18.41	18.01	17.46
Public	6.47	6.41	6.11	6.33	6.57	6.57	6.44	6.66	6.48	6.48
Others	0	0	0	0	0	0	0	0	0	0
Total	81.96	81.97	82	82.03	82.07	82.1	82.11	82.15	82.16	82.18