ScoreWhy is Cholamandalam Investment & Finance Company Ltd ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.68%
- Healthy long term growth as Operating profit has grown by an annual rate of 25.48%
2
Flat results in Sep 25
- DPR(Y) Lowest at 3.95%
3
With ROE of 17.9, it has a Very Expensive valuation with a 5.4 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 29.42%, its profits have risen by 20.6% ; the PEG ratio of the company is 1.5
4
High Institutional Holdings at 44.12%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 29.42% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Cholaman.Inv.&Fn should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Cholaman.Inv.&Fn for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Cholaman.Inv.&Fn
27.27%
0.88
33.56%
Sensex
8.49%
0.43
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
30
Industry P/E
22
Price to Book Value
5.53
EV to EBIT
15.95
EV to EBITDA
15.73
EV to Capital Employed
1.58
EV to Sales
10.80
PEG Ratio
1.59
Dividend Yield
0.12%
ROCE (Latest)
9.59%
ROE (Latest)
17.91%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NET SALES(Q)
Highest at Rs 7,898.21 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 10,409.74 cr
PBDIT(Q)
Highest at Rs 5,344.19 cr.
PBT LESS OI(Q)
Highest at Rs 1,625.27 cr.
PAT(Q)
Highest at Rs 1,289.97 cr.
EPS(Q)
Highest at Rs 15.28
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for Cholaman.Inv.&Fn
Net Sales - Quarterly
Highest at Rs 7,898.21 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 5,344.19 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,625.27 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 1,289.97 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 15.28
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 10,409.74 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
