Is Cholamandalam Investment and Finance (CHOLAFIN) overvalued or fairly valued?

MarketChacha shows Cholamandalam Investment and Finance's valuation in context — a forward P/E of about 18.5, a price-to-book of about 5.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is Cholamandalam Investment and Finance's revenue?

Cholamandalam Investment and Finance reported revenue of ₹17,155 Cr for FY2026, with net profit of ₹5,233 Cr, per official filings.

What is the share price of Cholamandalam Investment and Finance (CHOLAFIN)?

Cholamandalam Investment and Finance last traded at ₹1,762.40 (-2.4% on the day), as of 7/21/2026 — a delayed quote shown for education, not investment advice.

Cholamandalam Investment and Finance

CHOLAFIN · NSE · NBFC · India

₹1,762.40-2.4%

Delayed · as reported by Yahoo Finance · as of Jul 21, 2026, 5:38 AM

Snapshot

TickerCHOLAFIN

ExchangeNSE

SectorNBFC

IndustryCredit Services

CountryIndia

Employees51,320

HeadquartersChennai, India

Market cap₹1,52,253 Cr

P/B5.0

Volume3.78L

Websitewww.cholamandalam.com

Filings tracked0

About Cholamandalam Investment and Finance

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicle, two- and three- wheelers, and tractors and farm equipment, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professionals, and proprietorship, partnership, and private limited companies. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer platform services under the Gaadi Bazaar brand, which integrates vehicle trading, auctions, and trade advances. Additionally, it operates Payswiff, an omnichannel payment transaction solution that lets business owners accept payments from their customers in-store, at-home deliveries, online and on-the-go using mPOS, and POS solutions. The company was incorporated in 1978 and is based in Chennai, India.

Profile as reported by Yahoo Finance.

Who owns it

Promoters49.2%
Institutions36.7%
Public & other14.1%

228 institutional holders

As reported by Yahoo Finance. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

Margin has compressed by about 5.7 points over the period — profitability is trending down.

Net margin trend36.2% → 30.5%

Margin has compressed by about 5.7 points over the period — profitability is trending down.

Growth qualityrev 33% · PAT 25%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev ₹5,057 Cr · EPS 17.17

Est. earnings growth +25.3%

Next fiscal year

Rev ₹25,561 Cr · EPS 96.32

Est. earnings growth +24.1%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹1,299.4052-wk range₹1,875.00

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹1,52,253 Cr

Day change

-2.4%

Fwd P/E

18.5

P/B

5.0

Div yield

0.08%

Beta

0.52

Revenue (FY2026)

₹17,155 Cr

Net margin

30.5%

Revenue CAGR (3y)

+32.6%

Profit CAGR (3y)

+25.2%

Net profit (FY2026)

₹5,233 Cr

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹17,155 Cr	₹5,233 Cr	30.5%
FY2025	₹13,658 Cr	₹4,263 Cr	31.2%
FY2024	₹10,189 Cr	₹3,420 Cr	33.6%
FY2023	₹7,358 Cr	₹2,665 Cr	36.2%

Quarterly

Period	Revenue	Net profit	Net margin
2026Q1	₹4,789 Cr	₹1,641 Cr	34.3%
2025Q4	₹4,363 Cr	₹1,288 Cr	29.5%
2025Q3	₹4,075 Cr	₹1,155 Cr	28.4%
2025Q2	₹3,865 Cr	₹1,138 Cr	29.4%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.