Cholamandalam Investment Finance Company Ltd
CHOLAFIN
Finance
₹ 1,512
Price
₹ 127,259
Market Cap
Large Cap
28.58
P/E Ratio
📊 Score Snapshot
8.39 / 25
Performance
25 / 25
Valuation
2.0 / 20
Growth
7.0 / 30
Profitability
42.39 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -419.58 | -445.79 | -347.16 | -81.03 | -123.56 | -35.25 | -120.29 | -105.68 |
| Adj Cash PAT | -35,287 | -37,442 | -28,537 | -6,654 | -10,131 | -2,889 | -9,408 | -8,260 |
| Adj Cash PAT To PAT | -8.28 | -10.95 | -10.71 | -3.09 | -6.66 | -2.74 | -7.86 | -9.00 |
| Adj EPS | 50.69 | 40.71 | 32.41 | 26.23 | 18.54 | 12.86 | 15.32 | 11.76 |
| Adj Number Of Shares | 84.10 | 83.99 | 82.20 | 82.12 | 81.99 | 81.96 | 78.20 | 78.15 |
| Adj PE | 28.97 | 29.88 | 23.50 | 26.98 | 30.39 | 9.69 | 19.40 | 25.95 |
| Adj Peg | 1.18 | 1.17 | 1.00 | 0.65 | 0.69 | - | 0.64 | 0.94 |
| Bvps | 281.43 | 233.28 | 174.53 | 143.31 | 117.09 | 100.05 | 79.39 | 65.58 |
| Cash Revenue | 25,938 | 38,116 | 25,727 | 20,234 | 19,133 | 17,439 | 14,245 | 11,077 |
| Cash Revenue To Revenue | 1.00 | 0.99 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.14 | 0.17 | 0.26 | 0.30 | 0.36 | 1.34 | 0.41 | 0.42 |
| Fcfe | 4,820 | -1,596 | -944.74 | -1,761 | -1,205 | 1,598 | 2,776 | -8,277 |
| Fcfe Margin | 18.58 | -4.19 | -3.67 | -8.70 | -6.30 | 9.16 | 19.49 | -74.72 |
| Fcfe To Adj PAT | 1.13 | -0.47 | -0.35 | -0.82 | -0.79 | 1.52 | 2.32 | -9.02 |
| Market Cap | 123,480 | 102,199 | 62,604 | 58,125 | 46,201 | 10,216 | 23,224 | 23,823 |
| PB | 5.22 | 5.22 | 4.36 | 4.94 | 4.81 | 1.25 | 3.74 | 4.65 |
| PE | 28.97 | 29.88 | 23.49 | 26.98 | 30.38 | 9.69 | 19.39 | 25.92 |
| Peg | 1.18 | 1.17 | 1.00 | 0.65 | 0.69 | - | 0.64 | 0.94 |
| PS | 4.78 | 2.67 | 2.43 | 2.86 | 2.41 | 0.59 | 1.63 | 2.14 |
| ROE | 19.71 | 20.15 | 20.40 | 20.16 | 17.08 | 14.63 | 21.12 | 19.48 |
| Share Price | 1,468 | 1,217 | 761.60 | 707.80 | 563.50 | 124.65 | 296.98 | 304.84 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 7,491 | 7,267 | 7,046 | 13,466 | 12,510 | 11,624 | 10,838 | 10,014 | 9,246 | 8,200 | 7,482 | 6,712 | 6,034 | 5,540 |
| Interest | 3,517 | 3,468 | 3,365 | 3,275 | 3,059 | 2,796 | 2,579 | 2,441 | 2,204 | 2,006 | 1,734 | 1,543 | 1,340 | 1,130 |
| Expenses - | 2,460 | 2,286 | 2,010 | 2,038 | 1,897 | 1,727 | 1,417 | 1,412 | 1,391 | 1,174 | 902.00 | 912.00 | 940.00 | 879.00 |
| Financing Profit | 1,514 | 1,512 | 1,671 | 1,420 | 1,300 | 1,289 | 1,414 | 1,155 | 1,028 | 920.00 | 1,105 | 901.00 | 736.00 | 760.00 |
| Financing Margin % | 20.21 | 20.81 | 23.72 | 10.55 | 10.39 | 11.09 | 13.05 | 11.53 | 11.12 | 11.22 | 14.77 | 13.42 | 12.20 | 13.72 |
| Other Income - | 123.00 | 87.00 | 92.00 | 105.00 | 68.00 | 45.00 | 105.00 | 47.00 | 73.00 | 71.00 | 93.00 | 52.00 | 50.00 | 26.00 |
| Depreciation | 71.00 | 67.00 | 64.00 | 59.00 | 63.00 | 59.00 | 75.00 | 46.00 | 39.00 | 39.00 | 36.00 | 30.00 | 28.00 | 28.00 |
| Profit Before Tax | 1,566 | 1,532 | 1,699 | 1,466 | 1,305 | 1,275 | 1,444 | 1,156 | 1,062 | 952.00 | 1,163 | 923.00 | 759.00 | 759.00 |
| Tax % | 25.93 | 25.72 | 25.84 | 25.78 | 25.82 | 25.73 | 26.25 | 24.57 | 27.21 | 25.42 | 26.48 | 25.79 | 25.82 | 25.96 |
| Net Profit - | 1,160 | 1,138 | 1,260 | 1,088 | 968.00 | 947.00 | 1,065 | 872.00 | 773.00 | 710.00 | 855.00 | 685.00 | 563.00 | 562.00 |
| Profit Excl Exceptional | 1,160 | 1,138 | 1,260 | 1,088 | 968.00 | 947.00 | 1,065 | 872.00 | 773.00 | 710.00 | 855.00 | 685.00 | 563.00 | 562.00 |
| Profit For PE | 1,160 | 1,138 | 1,260 | 1,088 | 968.00 | 947.00 | 1,065 | 872.00 | 773.00 | 710.00 | 855.00 | 685.00 | 563.00 | 562.00 |
| Profit For EPS | 1,160 | 1,138 | 1,260 | 1,088 | 968.00 | 947.00 | 1,065 | 872.00 | 773.00 | 710.00 | 855.00 | 685.00 | 563.00 | 562.00 |
| EPS In Rs | 13.78 | 13.53 | 14.98 | 12.94 | 11.52 | 11.27 | 12.68 | 10.39 | 9.40 | 8.64 | 10.40 | 8.33 | 6.85 | 6.84 |
| PAT Margin % | 15.49 | 15.66 | 17.88 | 8.08 | 7.74 | 8.15 | 9.83 | 8.71 | 8.36 | 8.66 | 11.43 | 10.21 | 9.33 | 10.14 |
| PBT Margin | 20.91 | 21.08 | 24.11 | 10.89 | 10.43 | 10.97 | 13.32 | 11.54 | 11.49 | 11.61 | 15.54 | 13.75 | 12.58 | 13.70 |
| Tax | 406.00 | 394.00 | 439.00 | 378.00 | 337.00 | 328.00 | 379.00 | 284.00 | 289.00 | 242.00 | 308.00 | 238.00 | 196.00 | 197.00 |
| Yoy Profit Growth % | 20.00 | 20.00 | 18.00 | 25.00 | 25.00 | 33.00 | 25.00 | 27.00 | 37.00 | 26.00 | 25.00 | 30.00 | -8.00 | 71.00 |
| Adj PAT | 1,160 | 1,138 | 1,260 | 1,088 | 968.00 | 947.00 | 1,065 | 872.00 | 773.00 | 710.00 | 855.00 | 685.00 | 563.00 | 562.00 |
| Adj PAT Margin | 15.49 | 15.66 | 17.88 | 8.08 | 7.74 | 8.15 | 9.83 | 8.71 | 8.36 | 8.66 | 11.43 | 10.21 | 9.33 | 10.14 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 25,846 | 38,326 | 25,768 | 20,296 | 19,166 | 17,424 | 14,216 | 11,118 | 9,388 | 8,428 | 7,430 | 6,558 |
| Interest | 12,495 | 9,231 | 5,748 | 4,298 | 4,576 | 4,592 | 3,588 | 2,657 | 2,228 | 2,048 | 1,958 | 1,769 |
| Expenses - | 7,672 | 5,385 | 3,621 | 2,926 | 2,913 | 2,421 | 1,632 | 1,451 | 1,322 | 1,266 | 1,061 | 932.00 |
| Financing Profit | 5,680 | 4,548 | 3,515 | 2,924 | 2,094 | 1,699 | 1,888 | 1,451 | 1,143 | 899.00 | 696.00 | 578.00 |
| Financing Margin % | 21.98 | 11.87 | 13.64 | 14.41 | 10.93 | 9.75 | 13.28 | 13.05 | 12.18 | 10.67 | 9.37 | 8.81 |
| Other Income - | 309.00 | 256.00 | 221.00 | 84.00 | 56.00 | - | 1.00 | - | 3.00 | 2.00 | 1.00 | 1.00 |
| Exceptional Items | - | -1.00 | -1.00 | - | -1.00 | - | - | - | - | - | -1.00 | - |
| Depreciation | 245.00 | 198.00 | 121.00 | 101.00 | 102.00 | 111.00 | 57.00 | 51.00 | 39.00 | 22.00 | 30.00 | 25.00 |
| Profit Before Tax | 5,744 | 4,605 | 3,615 | 2,908 | 2,048 | 1,588 | 1,832 | 1,401 | 1,107 | 879.00 | 666.00 | 554.00 |
| Tax % | 25.78 | 25.73 | 26.28 | 25.93 | 25.73 | 33.63 | 34.66 | 34.48 | 35.14 | 34.58 | 33.33 | 33.57 |
| Net Profit - | 4,263 | 3,420 | 2,665 | 2,154 | 1,521 | 1,054 | 1,197 | 918.00 | 718.00 | 575.00 | 444.00 | 368.00 |
| Profit From Associates | - | 9.00 | -12.00 | -5.00 | -1.00 | - | - | - | - | - | - | - |
| Minority Share | - | - | - | - | - | - | 1.00 | 2.00 | 2.00 | - | - | - |
| Exceptional Items At | - | -1.00 | - | - | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 4,263 | 3,421 | 2,665 | 2,154 | 1,521 | 1,054 | 1,197 | 918.00 | 718.00 | 575.00 | 444.00 | 368.00 |
| Profit For PE | 4,263 | 3,421 | 2,665 | 2,154 | 1,521 | 1,054 | 1,197 | 918.00 | 718.00 | 575.00 | 444.00 | 368.00 |
| Profit For EPS | 4,263 | 3,420 | 2,665 | 2,154 | 1,521 | 1,054 | 1,198 | 919.00 | 719.00 | 575.00 | 444.00 | 368.00 |
| EPS In Rs | 50.69 | 40.72 | 32.42 | 26.23 | 18.55 | 12.86 | 15.32 | 11.76 | 9.21 | 7.36 | 6.18 | 5.14 |
| Dividend Payout % | 4.00 | 5.00 | 6.00 | 8.00 | 11.00 | 13.00 | 8.00 | 11.00 | 12.00 | 12.00 | 11.00 | 14.00 |
| PAT Margin % | 16.49 | 8.92 | 10.34 | 10.61 | 7.94 | 6.05 | 8.42 | 8.26 | 7.65 | 6.82 | 5.98 | 5.61 |
| PBT Margin | 22.22 | 12.02 | 14.03 | 14.33 | 10.69 | 9.11 | 12.89 | 12.60 | 11.79 | 10.43 | 8.96 | 8.45 |
| Tax | 1,481 | 1,185 | 950.00 | 754.00 | 527.00 | 534.00 | 635.00 | 483.00 | 389.00 | 304.00 | 222.00 | 186.00 |
| Adj PAT | 4,263 | 3,419 | 2,664 | 2,154 | 1,520 | 1,054 | 1,197 | 918.00 | 718.00 | 575.00 | 443.33 | 368.00 |
| Adj PAT Margin | 16.49 | 8.92 | 10.34 | 10.61 | 7.93 | 6.05 | 8.42 | 8.26 | 7.65 | 6.82 | 5.97 | 5.61 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | - | 645.94 | - | 494.61 | 396.01 | 306.84 | 207.36 | 105.90 |
| Advance From Customers | - | - | - | - | - | - | - | - | - | - |
| Average Total Assets | 199,346 | 179,286 | 159,766 | 135,156 | - | 98,052 | 78,561 | 69,351 | 60,774 | 50,828 |
| Average Total Equity | 23,676 | 21,630 | 18,610 | 16,970 | - | 13,058 | 10,684 | 8,900 | 7,204 | 5,666 |
| Borrowing | 187,663 | 175,036 | - | 134,475 | - | 97,358 | 69,174 | 63,730 | 55,005 | 50,567 |
| Cwip | 9.00 | 4.00 | - | 13.00 | - | 60.00 | 37.00 | 10.00 | 11.00 | 14.00 |
| Cash Equivalents | 10,410 | 9,501 | 8,709 | 4,394 | 7,888 | 3,007 | 4,302 | 5,280 | 7,001 | 3,708 |
| Fixed Assets | 1,922 | 1,787 | 1,669 | 1,563 | 501.00 | 403.00 | 259.00 | 228.00 | 283.00 | 167.00 |
| Gross Block | - | - | - | 2,209 | - | 897.29 | 654.61 | 534.43 | 490.53 | 273.21 |
| Investments | 7,140 | 6,367 | 5,787 | 4,036 | 3,481 | 3,562 | 2,055 | 1,583 | 33.00 | 42.00 |
| Loans N Advances | 194,235 | 182,038 | 163,754 | 397.00 | - | 302.00 | 277.00 | 163.00 | 174.00 | 163.00 |
| Long Term Borrowings | - | - | 157,943 | - | 119,471 | - | - | - | - | 40,215 |
| Net Debt | -17,550 | -15,868 | 143,447 | 126,045 | 108,102 | 90,789 | 62,817 | 56,867 | 47,971 | 46,817 |
| Non Controlling Interest | - | - | - | - | - | - | - | - | - | - |
| Other Asset Items | 2,818 | 1,986 | 1,817 | 146,069 | 125,025 | 106,194 | 75,477 | 67,324 | 56,527 | 53,355 |
| Other Borrowings | - | - | - | 134,475 | - | 97,358 | 69,174 | 63,730 | 55,005 | - |
| Other Liability Items | 3,012 | 2,945 | 2,400 | 2,323 | 1,652 | 1,752 | 1,408 | 1,216 | 633.00 | 483.00 |
| Reserves | 25,774 | 23,500 | 21,243 | 19,425 | 15,643 | 14,182 | 11,605 | 9,436 | 8,036 | 6,052 |
| Share Capital | 168.00 | 168.00 | 168.00 | 168.00 | 165.00 | 164.00 | 164.00 | 164.00 | 164.00 | 156.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | 10,352 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 216,746 | 201,887 | 181,945 | 156,686 | 137,588 | 113,627 | 82,478 | 74,644 | 64,058 | 57,490 |
| Total Borrowings | - | - | 157,943 | 134,475 | 119,471 | 97,358 | 69,174 | 63,730 | 55,005 | 50,567 |
| Total Equity | 25,942 | 23,668 | 21,411 | 19,593 | 15,808 | 14,346 | 11,769 | 9,600 | 8,200 | 6,208 |
| Total Equity And Liabilities | 216,746 | 201,887 | 181,945 | 156,686 | 137,588 | 113,627 | 82,478 | 74,644 | 64,058 | 57,490 |
| Total Liabilities | 190,804 | 178,219 | 160,534 | 137,093 | 121,780 | 99,281 | 70,709 | 65,044 | 55,858 | 51,282 |
| Trade Payables | 128.00 | 237.00 | 192.00 | 296.00 | 658.00 | 172.00 | 128.00 | 99.00 | 220.00 | 231.00 |
| Trade Receivables | 212.00 | 204.00 | 209.00 | 214.00 | 694.00 | 99.00 | 71.00 | 57.00 | 30.00 | 41.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 39,795 | 38,471 | 27,466 | 5,150 | 8,707 | 2,452 | 12,191 | 8,009 |
| Cash From Investing Activity | -2,948 | -2,855 | -2,148 | 1,640 | -1,746 | -54.00 | -11.00 | -60.00 |
| Cash From Operating Activity | -32,413 | -35,683 | -27,105 | -5,571 | -8,848 | -2,075 | -9,317 | -7,926 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | -7.00 | -460.00 | - | - | - | - |
| Cash Paid For Loan Advances | -42,071 | -40,966 | -31,515 | -9,185 | -11,766 | -8,040 | -11,860 | -9,338 |
| Cash Paid For Purchase Of Fixed Assets | -200.00 | -1,076 | -189.00 | -73.00 | -33.00 | -72.00 | -77.00 | -69.00 |
| Cash Paid For Purchase Of Investments | -199,692 | -196,289 | -141,724 | -42,113 | -19,230 | - | - | -21,544 |
| Cash Paid For Redemption Of Debentures | -18,544 | -21,948 | -17,192 | -8,434 | -13,752 | -26,094 | -17,365 | - |
| Cash Paid For Repayment Of Borrowings | -102,158 | -85,790 | -63,120 | -21,472 | -44,638 | -34,228 | -18,192 | - |
| Cash Paid Towards Cwip | - | - | - | -23.00 | - | - | - | - |
| Cash Received From Borrowings | 137,086 | 117,664 | 84,719 | 25,751 | 48,484 | 45,364 | 30,672 | - |
| Cash Received From Issue Of Debentures | 23,665 | 26,793 | 23,258 | 9,501 | 18,761 | 19,405 | 17,086 | - |
| Cash Received From Issue Of Shares | 48.00 | 2,009 | 24.00 | 23.00 | 9.00 | 1,196 | 2.00 | 2.00 |
| Cash Received From Sale Of Fixed Assets | 13.00 | 5.00 | 2.00 | 2.00 | 2.00 | 1.00 | 3.00 | 1.00 |
| Cash Received From Sale Of Investments | 197,549 | 195,956 | 140,249 | 42,128 | 17,689 | 16.00 | 63.00 | - |
| Change In Other Working Capital Items | 2,270 | -74.00 | -33.00 | 234.00 | -15.00 | 4,128 | 1,167 | 99.00 |
| Change In Payables | 159.00 | 389.00 | 388.00 | 206.00 | 163.00 | -46.00 | 59.00 | 101.00 |
| Change In Receivables | 92.00 | -210.00 | -41.00 | -62.00 | -33.00 | 15.00 | 29.00 | -41.00 |
| Change In Working Capital | -39,550 | -40,861 | -31,201 | -8,808 | -11,651 | -3,943 | -10,605 | -9,178 |
| Direct Taxes Paid | -1,541 | -1,308 | -903.00 | -847.00 | -699.00 | -576.00 | -732.00 | -592.00 |
| Dividends Paid | -168.00 | -167.00 | -164.00 | -164.00 | -107.00 | -200.00 | -122.00 | -122.00 |
| Interest Paid | -11,316 | -8,301 | -5,018 | -3,857 | -4,190 | -4,498 | -3,613 | -2,522 |
| Interest Received | - | - | - | - | - | - | - | - |
| Net Cash Flow | 4,434 | -66.00 | -1,787 | 1,218 | -1,888 | 323.00 | 2,862 | 22.00 |
| Other Cash Financing Items Paid | -134.00 | -90.00 | -58.00 | -55.00 | -50.00 | -2,991 | - | 8,064 |
| Other Cash Investing Items Paid | -618.00 | -1,450 | -478.00 | 2,178 | -174.00 | - | 111.00 | 21,615 |
| Other Cash Operating Items Paid | - | - | - | - | - | - | - | - |
| Profit From Operations | 19,994 | 14,787 | 10,017 | 7,940 | 7,691 | 6,942 | 5,632 | 4,365 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Cholafin | 2025-09-30 | - | 26.85 | 17.27 | 6.00 | 0.00 |
| Cholafin | 2025-06-30 | - | 27.96 | 16.05 | 6.07 | 0.00 |
| Cholafin | 2025-03-31 | - | 28.23 | 15.49 | 6.36 | 0.00 |
| Cholafin | 2024-12-31 | - | 27.43 | 16.10 | 6.56 | 0.00 |
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