Cholamandalam Financial Holdings Ltd
CHOLAHLDNG
Finance
₹ 1,919
Price
₹ 36,017
Market Cap
Large Cap
16.34
P/E Ratio
📊 Score Snapshot
7.74 / 25
Performance
25 / 25
Valuation
0.2 / 20
Growth
7.0 / 30
Profitability
39.94 / 100
Avoid
🏢 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 | -2,216 | -2,090 | -1,719 | -422.91 | -629.13 | -185.84 | -529.98 | -383.37 |
| Adj Cash PAT | -39,053 | -37,172 | -30,741 | -6,722 | -10,876 | -2,876 | -9,235 | -6,615 |
| Adj Cash PAT To PAT | -8.24 | -9.65 | -10.94 | -3.00 | -6.17 | -2.47 | -6.53 | -5.87 |
| Adj Cash PE | - | - | - | - | - | - | - | - |
| Adj EPS | 115.68 | 94.37 | 68.69 | 54.50 | 43.93 | 29.34 | 37.11 | 29.32 |
| Adj Number Of Shares | 18.78 | 18.78 | 18.77 | 18.77 | 18.78 | 18.78 | 18.78 | 18.76 |
| Adj PE | 14.79 | 12.09 | 7.86 | 11.41 | 13.56 | 9.14 | 13.24 | 22.26 |
| Adj Peg | 0.65 | 0.32 | 0.30 | 0.47 | 0.27 | - | 0.50 | 1.06 |
| Bvps | 1,435 | 1,178 | 866.17 | 726.11 | 604.85 | 516.61 | 418.80 | 351.23 |
| Cash Conversion Cycle | 2.00 | 3.00 | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | 3.00 |
| Cash Revenue | 33,288 | 25,678 | 18,113 | 14,582 | 13,868 | 13,152 | 10,955 | 8,868 |
| Cash Revenue To Revenue | 1.00 | 0.99 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dio | - | - | - | - | - | - | - | - |
| Dpo | - | - | - | - | - | - | - | - |
| Dso | 2.00 | 3.00 | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | 3.00 |
| Dividend Yield | 0.07 | 0.08 | 0.13 | 0.09 | 0.07 | 0.22 | 0.23 | 0.18 |
| Fcfe | 769.52 | -1,651 | -3,372 | -1,407 | -2,089 | 1,839 | 2,923 | -6,634 |
| Fcfe Margin | 2.31 | -6.43 | -18.61 | -9.65 | -15.06 | 13.98 | 26.68 | -74.81 |
| Fcfe To Adj PAT | 0.16 | -0.43 | -1.20 | -0.63 | -1.18 | 1.58 | 2.07 | -5.89 |
| Market Cap | 32,140 | 21,421 | 10,127 | 11,671 | 11,189 | 5,039 | 9,226 | 12,245 |
| PB | 1.19 | 0.97 | 0.62 | 0.86 | 0.99 | 0.52 | 1.17 | 1.86 |
| PE | 14.78 | 12.08 | 7.85 | 11.41 | 13.56 | 9.14 | 13.23 | 22.26 |
| Peg | 0.65 | 0.32 | 0.30 | 0.47 | 0.27 | - | 0.50 | 1.07 |
| PS | 0.97 | 0.83 | 0.56 | 0.80 | 0.80 | 0.38 | 0.84 | 1.37 |
| ROE | 19.31 | 20.06 | 18.80 | 17.92 | 16.75 | 13.26 | 19.58 | 23.02 |
| Share Price | 1,711 | 1,141 | 539.55 | 621.80 | 595.80 | 268.30 | 491.25 | 652.70 |
📊 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 | 9,461 | 9,296 | 8,913 | 8,489 | 8,090 | 7,633 | 7,066 | 6,795 | 6,317 | 5,626 | 5,186 | 4,725 | 4,298 | 3,937 |
| Interest | 3,518 | 3,468 | 3,361 | 3,280 | 3,058 | 2,796 | 2,582 | 2,445 | 2,209 | 2,013 | 1,743 | 1,551 | 1,347 | 1,137 |
| Expenses - | 4,359 | 4,142 | 3,709 | 3,772 | 3,537 | 3,253 | 2,932 | 2,978 | 2,898 | 2,588 | 2,244 | 2,212 | 2,153 | 1,999 |
| Other Income - | 130.00 | 88.00 | 98.00 | 106.00 | 91.00 | 45.00 | 110.00 | 48.00 | 55.00 | 89.00 | 97.00 | 52.00 | 57.00 | 26.00 |
| Depreciation | 83.00 | 79.00 | 79.00 | 72.00 | 74.00 | 70.00 | 88.00 | 55.00 | 52.00 | 52.00 | 50.00 | 44.00 | 42.00 | 41.00 |
| Profit Before Tax | 1,632 | 1,696 | 1,862 | 1,471 | 1,513 | 1,559 | 1,574 | 1,363 | 1,213 | 1,062 | 1,246 | 970.00 | 813.00 | 786.00 |
| Tax % | 25.61 | 25.71 | 26.85 | 25.70 | 25.64 | 25.59 | 27.32 | 24.65 | 26.79 | 25.42 | 27.69 | 25.77 | 25.46 | 25.95 |
| Net Profit - | 1,214 | 1,260 | 1,362 | 1,093 | 1,125 | 1,160 | 1,144 | 1,027 | 888.00 | 792.00 | 901.00 | 720.00 | 606.00 | 582.00 |
| Minority Share | -664.00 | -681.00 | -749.00 | -607.00 | -600.00 | -611.00 | -631.00 | -560.00 | -467.00 | -420.00 | -493.00 | -388.00 | -323.00 | -315.00 |
| Profit Excl Exceptional | 1,214 | 1,260 | 1,362 | 1,093 | 1,125 | 1,160 | 1,144 | 1,027 | 888.00 | 792.00 | 901.00 | 720.00 | 606.00 | 582.00 |
| Profit For PE | 550.00 | 578.00 | 614.00 | 486.00 | 526.00 | 548.00 | 513.00 | 467.00 | 421.00 | 371.00 | 408.00 | 332.00 | 283.00 | 267.00 |
| Profit For EPS | 550.00 | 578.00 | 614.00 | 486.00 | 526.00 | 548.00 | 513.00 | 467.00 | 421.00 | 371.00 | 408.00 | 332.00 | 283.00 | 267.00 |
| EPS In Rs | 29.29 | 30.81 | 32.68 | 25.89 | 27.99 | 29.20 | 27.32 | 24.88 | 22.41 | 19.78 | 21.72 | 17.69 | 15.07 | 14.25 |
| PAT Margin % | 12.83 | 13.55 | 15.28 | 12.88 | 13.91 | 15.20 | 16.19 | 15.11 | 14.06 | 14.08 | 17.37 | 15.24 | 14.10 | 14.78 |
| PBT Margin | 17.25 | 18.24 | 20.89 | 17.33 | 18.70 | 20.42 | 22.28 | 20.06 | 19.20 | 18.88 | 24.03 | 20.53 | 18.92 | 19.96 |
| Tax | 418.00 | 436.00 | 500.00 | 378.00 | 388.00 | 399.00 | 430.00 | 336.00 | 325.00 | 270.00 | 345.00 | 250.00 | 207.00 | 204.00 |
| Yoy Profit Growth % | 5.00 | 6.00 | 20.00 | 4.00 | 25.00 | 48.00 | 26.00 | 41.00 | 49.00 | 39.00 | 34.00 | 33.00 | -7.00 | 61.00 |
| Adj PAT | 1,214 | 1,260 | 1,362 | 1,093 | 1,125 | 1,160 | 1,144 | 1,027 | 888.00 | 792.00 | 901.00 | 720.00 | 606.00 | 582.00 |
| Adj PAT Margin | 12.83 | 13.55 | 15.28 | 12.88 | 13.91 | 15.20 | 16.19 | 15.11 | 14.06 | 14.08 | 17.37 | 15.24 | 14.10 | 14.78 |
💰 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 | 33,196 | 25,830 | 18,154 | 14,644 | 13,900 | 13,135 | 10,926 | 8,909 | 2,688 | 8,004 | 9,696 | 8,807 |
| Interest | 12,494 | 9,249 | 5,778 | 4,328 | 4,608 | 4,592 | 3,587 | 2,655 | - | 976.00 | 2,103 | 1,896 |
| Expenses - | 14,269 | 11,389 | 8,597 | 7,210 | 6,807 | 6,588 | 5,147 | 4,490 | 2,377 | 7,029 | 6,542 | 5,991 |
| Other Income - | 264.00 | 257.00 | 222.00 | 91.00 | 61.00 | 1.00 | 21.00 | 1.00 | 1.00 | 771.00 | 85.00 | 20.00 |
| Exceptional Items | -2.00 | -1.00 | -1.00 | - | - | - | - | - | - | 767.00 | 38.00 | 9.00 |
| Depreciation | 296.00 | 248.00 | 176.00 | 154.00 | 145.00 | 150.00 | 78.00 | 70.00 | 17.00 | 163.00 | 171.00 | 159.00 |
| Profit Before Tax | 6,400 | 5,200 | 3,824 | 3,044 | 2,400 | 1,806 | 2,135 | 1,695 | 295.00 | 1,374 | 1,003 | 789.00 |
| Tax % | 25.94 | 25.94 | 26.52 | 26.45 | 26.50 | 35.49 | 33.72 | 33.51 | -82.37 | 14.05 | 31.80 | 34.35 |
| Net Profit - | 4,740 | 3,851 | 2,810 | 2,239 | 1,764 | 1,165 | 1,415 | 1,127 | 538.00 | 1,181 | 684.00 | 518.00 |
| Profit From Associates | 6.00 | 12.00 | -9.00 | -3.00 | - | 1.00 | 1.00 | 1.00 | 333.00 | 174.00 | - | - |
| Minority Share | -2,566 | -2,078 | -1,519 | -1,216 | -940.00 | -614.00 | -718.00 | -577.00 | -83.00 | -142.00 | -259.00 | -206.00 |
| Exceptional Items At | -1.00 | -1.00 | - | - | - | - | - | - | - | 519.00 | 23.00 | 6.00 |
| Profit Excl Exceptional | 4,741 | 3,851 | 2,810 | 2,239 | 1,764 | 1,165 | 1,415 | 1,127 | 538.00 | 662.00 | 661.00 | 512.00 |
| Profit For PE | 2,174 | 1,773 | 1,290 | 1,023 | 825.00 | 551.00 | 697.00 | 550.00 | 455.00 | 582.00 | 410.00 | 308.00 |
| Profit For EPS | 2,174 | 1,773 | 1,290 | 1,023 | 825.00 | 551.00 | 697.00 | 550.00 | 455.00 | 1,039 | 424.00 | 311.00 |
| EPS In Rs | 115.76 | 94.39 | 68.71 | 54.49 | 43.93 | 29.34 | 37.12 | 29.32 | 24.26 | 55.47 | 22.68 | 16.66 |
| Dividend Payout % | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 2.00 | 3.00 | 4.00 | 1.00 | 9.00 | 9.00 | 12.00 |
| PAT Margin % | 14.28 | 14.91 | 15.48 | 15.29 | 12.69 | 8.87 | 12.95 | 12.65 | 20.01 | 14.76 | 7.05 | 5.88 |
| PBT Margin | 19.28 | 20.13 | 21.06 | 20.79 | 17.27 | 13.75 | 19.54 | 19.03 | 10.97 | 17.17 | 10.34 | 8.96 |
| Tax | 1,660 | 1,349 | 1,014 | 805.00 | 636.00 | 641.00 | 720.00 | 568.00 | -243.00 | 193.00 | 319.00 | 271.00 |
| Adj PAT | 4,739 | 3,850 | 2,809 | 2,239 | 1,764 | 1,165 | 1,415 | 1,127 | 538.00 | 1,840 | 709.92 | 523.91 |
| Adj PAT Margin | 14.27 | 14.91 | 15.47 | 15.29 | 12.69 | 8.87 | 12.95 | 12.65 | 20.01 | 22.99 | 7.32 | 5.95 |
🏦 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 | - | 906.00 | - | 900.00 | - | 700.00 | 550.00 | 412.00 | 272.00 | 135.00 |
| Advance From Customers | - | - | - | - | - | - | - | - | - | - |
| Average Total Assets | 221,780 | 200,766 | 180,151 | 153,975 | - | 114,402 | 93,194 | 82,236 | 71,896 | 60,672 |
| Average Total Equity | 26,962 | 24,536 | 21,211 | 19,191 | - | 14,944 | 12,494 | 10,530 | 8,784 | 7,227 |
| Cwip | 9.00 | 54.00 | - | 35.00 | - | 60.00 | 40.00 | 10.00 | 11.00 | 14.00 |
| Cash Equivalents | 10,506 | 9,680 | 9,103 | 4,548 | 8,062 | 3,164 | 5,448 | 6,204 | 7,314 | 3,945 |
| Fixed Assets | 2,296 | 2,029 | 1,926 | 1,784 | 710.00 | 623.00 | 464.00 | 447.00 | 479.00 | 306.00 |
| Gross Block | - | 2,935 | - | 2,684 | - | 1,324 | 1,015 | 859.00 | 752.00 | 441.00 |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Investments | 25,304 | 24,271 | 22,463 | 20,058 | 18,367 | 17,536 | 13,282 | 11,678 | 8,893 | 7,552 |
| Loans N Advances | 194,235 | 442.00 | 163,754 | 643.00 | - | 517.00 | 479.00 | 664.00 | 668.00 | 491.00 |
| Long Term Borrowings | 186,993 | - | 157,330 | - | 119,254 | - | - | - | 52,079 | 45,585 |
| Net Debt | 151,183 | 140,415 | 125,764 | 109,408 | 92,825 | 76,491 | 50,499 | 45,915 | 38,910 | 38,950 |
| Non Controlling Interest | 15,798 | 14,434 | 13,095 | 11,882 | 9,490 | 8,597 | 7,183 | 5,973 | 5,111 | 3,921 |
| Other Asset Items | 7,320 | 187,934 | 6,223 | 149,636 | 128,791 | 109,033 | 77,985 | 69,557 | 58,460 | 55,587 |
| Other Borrowings | - | 174,366 | - | 134,014 | - | 97,191 | 69,229 | 63,797 | - | - |
| Other Liability Items | 23,025 | 21,010 | 21,347 | 18,958 | 18,441 | 16,117 | 13,870 | 12,632 | 10,704 | 9,394 |
| Reserves | 13,651 | 12,496 | 11,342 | 10,223 | 8,457 | 7,642 | 6,427 | 5,367 | 4,572 | 3,925 |
| Share Capital | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 | 19.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | 3,038 | 4,862 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 239,882 | 224,615 | 203,678 | 176,917 | 156,624 | 131,033 | 97,771 | 88,616 | 75,855 | 67,937 |
| Total Borrowings | 186,993 | 174,366 | 157,330 | 134,014 | 119,254 | 97,191 | 69,229 | 63,797 | 55,117 | 50,447 |
| Total Equity | 29,468 | 26,949 | 24,456 | 22,124 | 17,966 | 16,258 | 13,629 | 11,359 | 9,702 | 7,865 |
| Total Equity And Liabilities | 239,882 | 224,615 | 203,678 | 176,917 | 156,624 | 131,033 | 97,771 | 88,616 | 75,855 | 67,937 |
| Total Liabilities | 210,414 | 197,666 | 179,222 | 154,793 | 138,658 | 114,775 | 84,142 | 77,257 | 66,153 | 60,072 |
| Trade Payables | 396.00 | 2,289 | 544.00 | 1,822 | 964.00 | 1,467 | 1,044 | 828.00 | 331.00 | 232.00 |
| 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 | 39,652 | 38,269 | 27,288 | 7,073 | 7,688 | 2,427 | 12,171 | 8,287 |
| Cash From Investing Activity | -1,038 | -2,625 | 295.00 | -135.00 | -62.00 | -96.00 | -94.00 | -1,825 |
| Cash From Operating Activity | -34,201 | -35,726 | -29,329 | -5,738 | -9,719 | -1,914 | -9,274 | -6,302 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -42,071 | -40,966 | -31,515 | -9,185 | -11,766 | -8,040 | -11,861 | -9,338 |
| Cash Paid For Purchase Of Fixed Assets | -341.00 | -1,169 | -248.00 | -115.00 | -64.00 | -98.00 | -96.00 | -92.00 |
| Cash Paid For Purchase Of Investments | - | - | - | - | - | - | - | - |
| Cash Paid For Redemption Of Debentures | -18,544 | -21,958 | -17,332 | -8,484 | -13,747 | -26,053 | -17,365 | - |
| Cash Paid For Repayment Of Borrowings | -102,158 | -85,715 | -63,120 | -21,472 | -44,838 | -34,253 | -18,231 | - |
| Cash Paid Towards Cwip | - | - | -13.00 | -23.00 | - | - | - | - |
| Cash Received From Borrowings | 136,890 | 117,314 | 84,619 | 25,751 | 48,378 | 45,563 | 30,672 | - |
| Cash Received From Issue Of Debentures | 23,665 | 26,793 | 23,283 | 9,501 | 18,911 | 19,405 | 17,097 | - |
| Cash Received From Issue Of Shares | 48.00 | 2,009 | 26.00 | 24.00 | 10.00 | 896.00 | 7.00 | 3.00 |
| Cash Received From Sale Of Fixed Assets | 15.00 | 8.00 | 4.00 | 3.00 | 2.00 | 1.00 | 3.00 | 3.00 |
| Cash Received From Sale Of Investments | - | - | - | - | - | - | - | - |
| Change In Inventory | - | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | -2,199 | -233.00 | -2,415 | 6.00 | -1,213 | 4,140 | 1,343 | 1,094 |
| Change In Payables | 386.00 | 329.00 | 421.00 | 280.00 | 371.00 | -159.00 | -162.00 | 543.00 |
| Change In Receivables | 92.00 | -152.00 | -41.00 | -62.00 | -32.00 | 17.00 | 29.00 | -41.00 |
| Change In Working Capital | -43,792 | -41,022 | -33,550 | -8,961 | -12,640 | -4,041 | -10,650 | -7,742 |
| Direct Taxes Paid | -1,514 | -1,425 | -1,012 | -905.00 | -839.00 | -781.00 | -910.00 | -738.00 |
| Dividends Paid | -104.00 | -103.00 | -100.00 | -100.00 | -58.00 | -141.00 | -112.00 | -98.00 |
| Dividends Received | - | - | - | - | - | - | - | - |
| Interest Paid | -10,294 | -7,371 | -4,205 | -3,252 | -3,626 | -3,826 | -3,125 | -2,486 |
| Interest Received | - | - | - | - | - | - | - | - |
| Net Cash Flow | 4,413 | -82.00 | -1,746 | 1,199 | -2,093 | 417.00 | 2,803 | 160.00 |
| Other Cash Financing Items Paid | -145.00 | -70.00 | -87.00 | -83.00 | -966.00 | -2,991 | - | 8,025 |
| Other Cash Investing Items Paid | -711.00 | -1,464 | 552.00 | 1,936 | - | - | 104.00 | -1,380 |
| Other Cash Operating Items Paid | 25.00 | 18.00 | 7.00 | 4.00 | 2.00 | 2.00 | 3.00 | - |
| Profit From Operations | 21,373 | 14,074 | 9,431 | 7,376 | 7,384 | 6,732 | 5,408 | 4,663 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Cholahldng | 2025-09-30 | - | 17.39 | 22.52 | 13.21 | 0.00 |
| Cholahldng | 2025-06-30 | - | 18.32 | 21.43 | 13.34 | 0.00 |
| Cholahldng | 2025-03-31 | - | 17.68 | 21.80 | 13.62 | 0.00 |
| Cholahldng | 2024-12-31 | - | 16.37 | 22.94 | 13.78 | 0.00 |
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