Cholamandalam Financial Holdings Limited Logo

Cholamandalam Financial Holdings Limited

CHOLAHLDNG.NS

(2.8)
Stock Price

2.025,50 INR

0.98% ROA

20.59% ROE

12.45x PER

Market Cap.

190.800.209.700,00 INR

1407.06% DER

0.05% Yield

6.98% NPM

Cholamandalam Financial Holdings Limited Stock Analysis

Cholamandalam Financial Holdings Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Cholamandalam Financial Holdings Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (26.07%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Net Profit Growth

This company has consistently achieved strong net profit growth over the past five years, demonstrating a solid financial performance and making it an appealing investment option.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

5 ROA

The stock's ROA (1.64%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (18.604), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 PBV

The stock's elevated P/BV ratio (3.08x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

9 DER

The stock is burdened with a heavy load of debt (1074%), making it financially unstable and potentially risky for investors.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Cholamandalam Financial Holdings Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Cholamandalam Financial Holdings Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Cholamandalam Financial Holdings Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Cholamandalam Financial Holdings Limited Revenue
Year Revenue Growth
2004 14.527.700.000
2005 14.806.000.000 1.88%
2006 17.546.300.000 15.62%
2007 20.611.100.000 14.87%
2008 24.228.800.000 14.93%
2009 26.432.300.000 8.34%
2010 43.034.300.000 38.58%
2011 64.418.300.000 33.2%
2012 76.093.400.000 15.34%
2013 88.470.900.000 13.99%
2014 96.179.600.000 8.01%
2015 79.421.100.000 -21.1%
2016 22.666.200.000 -250.39%
2017 28.518.300.000 20.52%
2018 107.035.500.000 73.36%
2019 126.474.000.000 15.37%
2020 144.557.300.000 12.51%
2021 156.378.000.000 7.56%
2022 194.379.300.000 19.55%
2023 246.425.600.000 21.12%
2023 260.867.600.000 5.54%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Cholamandalam Financial Holdings Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 119.800.000 100%
2013 128.300.000 6.63%
2014 130.800.000 1.91%
2015 156.300.000 16.31%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Cholamandalam Financial Holdings Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 782.200.000
2005 807.100.000 3.09%
2006 986.900.000 18.22%
2007 1.186.800.000 16.84%
2008 1.284.900.000 7.63%
2009 1.483.300.000 13.38%
2010 4.775.800.000 68.94%
2011 730.900.000 -553.41%
2012 9.613.100.000 92.4%
2013 12.154.100.000 20.91%
2014 11.735.500.000 -3.57%
2015 12.926.800.000 9.22%
2016 17.102.800.000 24.42%
2017 20.489.500.000 16.53%
2018 1.153.400.000 -1676.44%
2019 1.258.800.000 8.37%
2020 1.213.900.000 -3.7%
2021 1.987.600.000 38.93%
2022 2.494.900.000 20.33%
2023 0 0%
2023 29.100.400.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Cholamandalam Financial Holdings Limited EBITDA
Year EBITDA Growth
2004 1.933.200.000
2005 3.290.900.000 41.26%
2006 3.513.900.000 6.35%
2007 3.183.100.000 -10.39%
2008 4.099.700.000 22.36%
2009 4.429.700.000 7.45%
2010 11.728.200.000 62.23%
2011 16.312.200.000 28.1%
2012 8.990.200.000 -81.44%
2013 10.550.900.000 14.79%
2014 30.151.500.000 65.01%
2015 17.018.200.000 -77.17%
2016 2.438.600.000 -597.87%
2017 3.242.900.000 24.8%
2018 44.409.300.000 92.7%
2019 31.562.100.000 -40.7%
2020 43.254.100.000 27.03%
2021 43.790.100.000 1.22%
2022 37.703.000.000 -16.14%
2023 47.814.800.000 21.15%
2023 67.560.399.999 29.23%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Cholamandalam Financial Holdings Limited Gross Profit
Year Gross Profit Growth
2004 4.526.000.000
2005 4.947.200.000 8.51%
2006 6.492.200.000 23.8%
2007 8.135.900.000 20.2%
2008 9.331.800.000 12.82%
2009 10.999.700.000 15.16%
2010 24.300.400.000 54.73%
2011 41.949.300.000 42.07%
2012 47.025.200.000 10.79%
2013 57.586.100.000 18.34%
2014 62.304.600.000 7.57%
2015 45.546.200.000 -36.79%
2016 21.236.000.000 -114.48%
2017 27.069.800.000 21.55%
2018 59.844.600.000 54.77%
2019 59.124.900.000 -1.22%
2020 65.494.400.000 9.73%
2021 73.322.900.000 10.68%
2022 75.303.400.000 2.63%
2023 86.880.000.000 13.32%
2023 127.157.400.000 31.68%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Cholamandalam Financial Holdings Limited Net Profit
Year Net Profit Growth
2004 941.100.000
2005 1.825.400.000 48.44%
2006 1.715.900.000 -6.38%
2007 695.800.000 -146.61%
2008 544.300.000 -27.83%
2009 1.128.800.000 51.78%
2010 2.239.200.000 49.59%
2011 2.689.100.000 16.73%
2012 2.885.100.000 6.79%
2013 3.113.100.000 7.32%
2014 4.243.600.000 26.64%
2015 10.389.100.000 59.15%
2016 4.545.700.000 -128.55%
2017 5.990.200.000 24.11%
2018 6.967.000.000 14.02%
2019 5.508.500.000 -26.48%
2020 8.246.400.000 33.2%
2021 10.230.700.000 19.4%
2022 12.902.300.000 20.71%
2023 16.836.000.000 23.36%
2023 17.725.200.000 5.02%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Cholamandalam Financial Holdings Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 6
2005 10 50%
2006 9 -11.11%
2007 4 -200%
2008 3 -50%
2009 6 66.67%
2010 11 40%
2011 14 28.57%
2012 15 6.67%
2013 17 6.25%
2014 23 27.27%
2015 55 60%
2016 24 -129.17%
2017 32 22.58%
2018 37 16.22%
2019 29 -27.59%
2020 44 32.56%
2021 55 20.37%
2022 69 20.59%
2023 90 23.6%
2023 94 5.32%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Cholamandalam Financial Holdings Limited Free Cashflow
Year Free Cashflow Growth
2004 1.201.700.000
2005 -433.600.000 377.14%
2006 -2.244.400.000 80.68%
2007 -3.289.300.000 31.77%
2008 8.016.500.000 141.03%
2009 14.100.000 -56754.61%
2010 -24.642.400.000 100.06%
2011 -23.895.600.000 -3.13%
2012 -35.215.100.000 32.14%
2013 -21.050.600.000 -67.29%
2014 -18.543.400.000 -13.52%
2015 -6.772.100.000 -173.82%
2016 5.678.300.000 219.26%
2017 10.633.900.000 46.6%
2018 -93.052.800.000 111.43%
2019 -20.121.100.000 -362.46%
2020 -97.833.000.000 79.43%
2021 -58.765.000.000 -66.48%
2022 -295.894.900.000 80.14%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Cholamandalam Financial Holdings Limited Operating Cashflow
Year Operating Cashflow Growth
2004 1.201.700.000
2005 -433.600.000 377.14%
2006 -2.244.400.000 80.68%
2007 -3.289.300.000 31.77%
2008 8.016.500.000 141.03%
2009 -1.120.500.000 815.44%
2010 -23.166.000.000 95.16%
2011 -21.684.100.000 -6.83%
2012 -32.281.500.000 32.83%
2013 -18.720.400.000 -72.44%
2014 -16.489.000.000 -13.53%
2015 -4.999.900.000 -229.79%
2016 5.941.300.000 184.15%
2017 10.847.600.000 45.23%
2018 -92.090.300.000 111.78%
2019 -19.141.800.000 -381.1%
2020 -97.191.600.000 80.31%
2021 -57.384.800.000 -69.37%
2022 -293.287.300.000 80.43%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Cholamandalam Financial Holdings Limited Capital Expenditure
Year Capital Expenditure Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 -1.134.600.000 100%
2010 1.476.400.000 176.85%
2011 2.211.500.000 33.24%
2012 2.933.600.000 24.61%
2013 2.330.200.000 -25.89%
2014 2.054.400.000 -13.42%
2015 1.772.200.000 -15.92%
2016 263.000.000 -573.84%
2017 213.700.000 -23.07%
2018 962.500.000 77.8%
2019 979.300.000 1.72%
2020 641.400.000 -52.68%
2021 1.380.200.000 53.53%
2022 2.607.600.000 47.07%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Cholamandalam Financial Holdings Limited Equity
Year Equity Growth
2004 5.013.100.000
2005 5.628.000.000 10.93%
2006 6.910.800.000 18.56%
2007 7.596.200.000 9.02%
2008 6.961.200.000 -9.12%
2009 8.045.500.000 13.48%
2010 10.273.400.000 21.69%
2011 13.100.800.000 21.58%
2012 16.591.700.000 21.04%
2013 19.510.300.000 14.96%
2014 23.277.600.000 16.18%
2015 33.241.700.000 29.97%
2016 27.636.700.000 -20.28%
2017 33.332.700.000 17.09%
2018 78.644.600.000 57.62%
2019 97.018.900.000 18.94%
2020 113.587.400.000 14.59%
2021 136.287.700.000 16.66%
2022 162.580.200.000 16.17%
2023 179.658.900.000 9.51%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Cholamandalam Financial Holdings Limited Assets
Year Assets Growth
2004 12.272.600.000
2005 18.920.800.000 35.14%
2006 25.917.000.000 26.99%
2007 37.054.000.000 30.06%
2008 38.908.700.000 4.77%
2009 46.071.100.000 15.55%
2010 125.745.800.000 63.36%
2011 168.947.000.000 25.57%
2012 231.615.600.000 27.06%
2013 273.591.100.000 15.34%
2014 303.620.400.000 9.89%
2015 97.072.300.000 -212.78%
2016 78.924.200.000 -22.99%
2017 103.190.500.000 23.52%
2018 679.372.100.000 84.81%
2019 758.431.900.000 10.42%
2020 886.155.600.000 14.41%
2021 977.722.700.000 9.37%
2022 1.310.329.600.000 25.38%
2023 1.566.236.300.000 16.34%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Cholamandalam Financial Holdings Limited Liabilities
Year Liabilities Growth
2004 6.677.600.000
2005 12.964.600.000 48.49%
2006 18.645.600.000 30.47%
2007 29.078.300.000 35.88%
2008 31.549.800.000 7.83%
2009 37.205.100.000 15.2%
2010 110.502.200.000 66.33%
2011 148.476.300.000 25.58%
2012 203.433.600.000 27.01%
2013 240.439.700.000 15.39%
2014 264.307.200.000 9.03%
2015 59.523.000.000 -344.04%
2016 46.905.700.000 -26.9%
2017 64.656.600.000 27.45%
2018 600.727.500.000 89.24%
2019 661.413.000.000 9.18%
2020 772.568.200.000 14.39%
2021 841.435.000.000 8.18%
2022 1.147.749.400.000 26.69%
2023 1.386.577.400.000 17.22%

Cholamandalam Financial Holdings Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1194.1
Net Income per Share
81.58
Price to Earning Ratio
12.45x
Price To Sales Ratio
0.85x
POCF Ratio
670.56
PFCF Ratio
670.42
Price to Book Ratio
2.25
EV to Sales
5.94
EV Over EBITDA
30.37
EV to Operating CashFlow
4682.11
EV to FreeCashFlow
4682.11
Earnings Yield
0.08
FreeCashFlow Yield
0
Market Cap
190,80 Bil.
Enterprise Value
1.332,53 Bil.
Graham Number
910.14
Graham NetNet
-6953.34

Income Statement Metrics

Net Income per Share
81.58
Income Quality
0.02
ROE
0.13
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.34
EBT Per Ebit
1.05
Ebit per Revenue
0.2
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.36
Operating Profit Margin
0.2
Pretax Profit Margin
0.2
Net Profit Margin
0.07

Dividends

Dividend Yield
0
Dividend Yield %
0.05
Payout Ratio
0
Dividend Per Share
0.55

Operating Metrics

Operating Cashflow per Share
1.52
Free CashFlow per Share
1.52
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
45.46
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
8.03
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
429,22
Book Value per Share
451,26
Tangible Book Value per Share
951.16
Shareholders Equity per Share
451.26
Interest Debt per Share
6349.42
Debt to Equity
14.07
Debt to Assets
0.76
Net Debt to EBITDA
26.02
Current Ratio
49.13
Tangible Asset Value
178,64 Bil.
Net Current Asset Value
-45,58 Bil.
Invested Capital
14.07
Working Capital
1.313,70 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
8,82 Bil.
Average Inventory
0
Debt to Market Cap
6.25

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Cholamandalam Financial Holdings Limited Dividends
Year Dividends Growth
2002 6
2003 9 44.44%
2004 10 10%
2005 7 -42.86%
2006 19 61.11%
2007 2 -1700%
2008 1 0%
2009 1 0%
2010 2 0%
2011 3 66.67%
2012 3 0%
2013 2 -50%
2014 2 0%
2015 2 0%
2016 5 60%
2017 1 -400%
2018 2 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Cholamandalam Financial Holdings Limited Profile

About Cholamandalam Financial Holdings Limited

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. The company provides vehicle finance, home loans, home equity loans, SME loans, investment advisory and stock broking services, and various other financial services. It also offers accident, engineering, health, liability, marine, motor, property, rural, and travel insurance products for individuals and corporates. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.

CEO
Mr. N. Ganesh
Employee
2
Address
Dare House
Chennai, 600001

Cholamandalam Financial Holdings Limited Executives & BODs

Cholamandalam Financial Holdings Limited Executives & BODs
# Name Age
1 Mr. N. Ganesh
Manager & Chief Financial Officer
70
2 Ms. E. Krithika
Company Secretary & Compliance Officer
70

Cholamandalam Financial Holdings Limited Competitors