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5049

Cholamandalam Financial HoldingsBSE:504973 Stock Report

Market Cap

₹135.9b

7D

1.1%

1Y

91.8%

Updated

17 Oct, 2021

Data

Company Financials +
504973 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance2/6
Financial Health2/6
Dividends0/6

504973 Overview

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India.

Cholamandalam Financial Holdings Competitors

Piramal Enterprises

BSE:500302

₹677.0b

Housing Development Finance

BSE:500010

₹5.1t

Bajaj Finance

BSE:500034

₹4.7t

Aditya Birla Capital

BSE:540691

₹260.0b

Price History & Performance

Summary of all time highs, changes and price drops for Cholamandalam Financial Holdings
Historical stock prices
Current Share Price₹724.10
52 Week High₹362.10
52 Week Low₹763.05
Beta1.21
1 Month Change4.57%
3 Month Change10.06%
1 Year Change91.84%
3 Year Change46.00%
5 Year Changen/a
Change since IPO25.39%

Recent News & Updates

Shareholder Returns

504973IN Diversified FinancialIN Market
7D1.1%3.8%2.3%
1Y91.8%135.5%68.3%

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.

Price Volatility

Is 504973's price volatile compared to industry and market?
504973 volatility
504973 Beta1.21
Industry Beta1.13
Market Beta1

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

FoundedEmployeesCEOWebsite
19492n/ahttps://cholafhl.com

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

How do Cholamandalam Financial Holdings's earnings and revenue compare to its market cap?
504973 fundamental statistics
Market Cap₹135.94b
Earnings (TTM)₹7.02b
Revenue (TTM)₹106.70b

19.4x

P/E Ratio

1.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
504973 income statement (TTM)
Revenue₹106.70b
Cost of Revenue₹35.07b
Gross Profit₹71.63b
Expenses₹64.61b
Earnings₹7.02b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

Nov 02, 2021

Earnings per share (EPS)37.40
Gross Margin67.13%
Net Profit Margin6.58%
Debt/Equity Ratio564.3%

How did 504973 perform over the long term?

See historical performance and comparison

Dividends

0.08%

Current Dividend Yield

1%

Payout Ratio

Valuation

Is Cholamandalam Financial Holdings undervalued compared to its fair value and its price relative to the market?

19.36x

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).


Future Growth

How is Cholamandalam Financial Holdings forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

-16.4%

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%).


Past Performance

How has Cholamandalam Financial Holdings performed over the past 5 years?

-2.8%

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.


Financial Health

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.


Balance Sheet


Dividend

What is Cholamandalam Financial Holdings's current dividend yield, its reliability and sustainability?

0.075%

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.9yrs

Average board tenure


CEO

Cholamandalam Financial Holdings has no CEO, or we have no data on them.


Board Members

Experienced Board: 504973's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Cholamandalam Financial Holdings Limited's employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Cholamandalam Financial Holdings Limited
  • Dare House
  • No. 234 N.S.C Bose Road
  • Chennai
  • Tamil Nadu
  • 600001
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/17 12:03
End of Day Share Price2021/10/14 00:00
Earnings2021/06/30
Annual Earnings2021/03/31


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.