Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India.
Cholamandalam Financial Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹724.10|
|52 Week High||₹362.10|
|52 Week Low||₹763.05|
|1 Month Change||4.57%|
|3 Month Change||10.06%|
|1 Year Change||91.84%|
|3 Year Change||46.00%|
|5 Year Change||n/a|
|Change since IPO||25.39%|
Recent News & Updates
|504973||IN Diversified Financial||IN Market|
Return vs Industry: 504973 underperformed the Indian Diversified Financial industry which returned 135.5% over the past year.
Return vs Market: 504973 exceeded the Indian Market which returned 68.3% over the past year.
Stable Share Price: 504973 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: 504973's weekly volatility (4%) has been stable over the past year.
About the Company
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial, Insurance, and Other segments. The company provides vehicle finance, home loans, home equity loans, SME loans, investment advisory and stock broking services, and various other financial services.
Cholamandalam Financial Holdings Fundamentals Summary
|504973 fundamental statistics|
Is 504973 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|504973 income statement (TTM)|
|Cost of Revenue||₹35.07b|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Nov 02, 2021
|Earnings per share (EPS)||37.40|
|Net Profit Margin||6.58%|
How did 504973 perform over the long term?See historical performance and comparison
0.08%Current Dividend Yield
Is Cholamandalam Financial Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 504973 (₹724.1) is trading above our estimate of fair value (₹345.52)
Significantly Below Fair Value: 504973 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 504973 is poor value based on its PE Ratio (19.4x) compared to the Indian Diversified Financial industry average (17.7x).
PE vs Market: 504973 is good value based on its PE Ratio (19.4x) compared to the Indian market (22.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 504973's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 504973 is overvalued based on its PB Ratio (2.5x) compared to the IN Diversified Financial industry average (0.8x).
How is Cholamandalam Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if 504973's forecast earnings growth is above the savings rate (6.7%).
Earnings vs Market: Insufficient data to determine if 504973's earnings are forecast to grow faster than the Indian market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 504973's revenue is expected to decline over the next 3 years (-16.4% per year).
High Growth Revenue: 504973's revenue is forecast to decline over the next 3 years (-16.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 504973's Return on Equity is forecast to be low in 3 years time (19%).
How has Cholamandalam Financial Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 504973 has high quality earnings.
Growing Profit Margin: 504973's current net profit margins (6.6%) are lower than last year (7%).
Past Earnings Growth Analysis
Earnings Trend: 504973's earnings have declined by 2.8% per year over the past 5 years.
Accelerating Growth: 504973's earnings growth over the past year (2.1%) exceeds its 5-year average (-2.8% per year).
Earnings vs Industry: 504973 earnings growth over the past year (2.1%) underperformed the Diversified Financial industry 19.8%.
Return on Equity
High ROE: 504973's Return on Equity (13.5%) is considered low.
How is Cholamandalam Financial Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: 504973's short term assets (₹747.2B) exceed its short term liabilities (₹277.8B).
Long Term Liabilities: 504973's short term assets (₹747.2B) exceed its long term liabilities (₹494.8B).
Debt to Equity History and Analysis
Debt Level: 504973's debt to equity ratio (564.3%) is considered high.
Reducing Debt: 504973's debt to equity ratio has increased from 29.8% to 564.3% over the past 5 years.
Debt Coverage: 504973's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 504973's interest payments on its debt are well covered by EBIT.
What is Cholamandalam Financial Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 504973's dividend (0.075%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.33%).
High Dividend: 504973's dividend (0.075%) is low compared to the top 25% of dividend payers in the Indian market (1.35%).
Stability and Growth of Payments
Stable Dividend: 504973 is not paying a notable dividend for the Indian market, therefore no need to check if payments are stable.
Growing Dividend: 504973 is not paying a notable dividend for the Indian market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: 504973 is not paying a notable dividend for the Indian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 504973's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Cholamandalam Financial Holdings has no CEO, or we have no data on them.
Experienced Board: 504973's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 504973 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Cholamandalam Financial Holdings Limited's employee growth, exchange listings and data sources
- Name: Cholamandalam Financial Holdings Limited
- Ticker: 504973
- Exchange: BSE
- Founded: 1949
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: ₹135.935b
- Shares outstanding: 187.73m
- Website: https://cholafhl.com
Number of Employees
- Cholamandalam Financial Holdings Limited
- Dare House
- No. 234 N.S.C Bose Road
- Tamil Nadu
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/17 12:03|
|End of Day Share Price||2021/10/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.