Cholamandalam Investment and Finance (511243) Stock Overview
Operates as a non-banking finance company in India. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 5/6 |
| Past Performance | 4/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
511243 Community Fair Values
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Analyst Price Targets
Cholamandalam Investment and Finance Company Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹1,574.40 |
| 52 Week High | ₹1,831.80 |
| 52 Week Low | ₹1,299.80 |
| Beta | 0.59 |
| 1 Month Change | 4.44% |
| 3 Month Change | -9.18% |
| 1 Year Change | -1.36% |
| 3 Year Change | 55.62% |
| 5 Year Change | 189.41% |
| Change since IPO | 8,186.32% |
Recent News & Updates
Recent updates
Narrative Update • Apr 20
511243: Upcoming Shareholder And Board Meetings Will Support Bullish Outlook
Analysts have trimmed their fair value estimate for Cholamandalam Investment and Finance from about ₹1,803 to roughly ₹1,774, reflecting slightly softer assumptions on revenue growth, profit margins and future P/E multiples in their latest models. What's in the News Board meeting scheduled for Apr 30, 2026, to consider and approve audited standalone and consolidated financial results for the quarter and year ended Mar 31, 2026 (Key Developments).Narrative Update • Apr 02
511243: Upcoming Board Meeting And Interim Dividend Will Support Bullish Outlook
Analysts have nudged their price target on Cholamandalam Investment and Finance slightly lower to ₹1,803 from ₹1,812, reflecting small adjustments to fair value, discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News Board meeting scheduled for Jan 30, 2026 at 14:10 IST to consider and approve unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (Key Developments) Board to consider payment of an interim dividend and set a record date at the Jan 30, 2026 meeting (Key Developments) Reappointment of Mr. Anand Kumar as Independent Director is on the agenda for the Jan 30, 2026 board meeting (Key Developments) Special or extraordinary shareholders meeting to be conducted via postal ballot in India on Mar 8, 2026 (Key Developments) Valuation Changes Fair Value: Trimmed slightly to ₹1,803.06 from ₹1,811.53, reflecting modest revisions to key assumptions.Narrative Update • Mar 17
511243: Upcoming Board Meeting And Interim Dividend Will Underpin Bullish Outlook
Analysts have trimmed their price target for Cholamandalam Investment and Finance slightly, with fair value easing from about ₹1,815 to roughly ₹1,812 as they factor in a marginally higher discount rate, a softer profit margin assumption, and a modestly richer future P/E multiple. What's in the News A board meeting is scheduled for Jan 30, 2026 at 14:10 Indian Standard Time to consider and approve unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (Key Developments).Narrative Update • Mar 03
511243: Board Meeting And Interim Dividend Decision Will Guide Fairly Balanced Outlook
Analysts have made a marginal trim to their price target on Cholamandalam Investment and Finance to about ₹1,815 from roughly ₹1,816, reflecting small tweaks to assumptions on discount rate, revenue growth, profit margin, and future P/E rather than any major shift in their view. What's in the News Board meeting scheduled for Jan 30, 2026, at 14:10 IST to consider and approve the unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (company filing).Narrative Update • Feb 17
511243: Board Meeting, Interim Dividend And Governance Review Will Shape Balanced Outlook
Analysts have nudged their price target for Cholamandalam Investment and Finance slightly higher to ₹1,816 from about ₹1,794. This reflects updated assumptions on discount rate, revenue growth, profit margin and forward P/E that together point to a modest recalibration of fair value rather than a major shift in outlook.Narrative Update • Feb 03
511243: Upcoming Board Review And Dividend Consideration Will Support Bullish Outlook
Analysts have lifted their fair value estimate for Cholamandalam Investment and Finance from ₹1,789.74 to ₹1,793.82, citing slightly higher assumed revenue growth and profit margins, as well as a lower future P/E multiple and discount rate. What's in the News Board meeting scheduled on Jan 30, 2026 at 14:10 Indian Standard Time to review and approve the unaudited standalone and consolidated financial results for the quarter and nine months ended Dec 31, 2025 (Key Developments).Narrative Update • Jan 19
511243: Board Review And Slightly Updated Assumptions Will Guide Forward Outlook
Analysts have nudged their price target for Cholamandalam Investment and Finance higher from ₹1,754 to about ₹1,790, citing updated modelling that reflects small adjustments to revenue growth, profit margins, the discount rate and assumed future P/E levels. What's in the News Board meeting scheduled for January 30, 2026, to consider and approve the unaudited standalone financial results for the quarter and nine months ended December 31, 2025 (Key Developments).Narrative Update • Jan 05
511243: Board Results Review And Stable Assumptions Will Shape Forward Outlook
Analysts have nudged their fair value estimate for Cholamandalam Investment and Finance to ₹1,754 from ₹1,747, reflecting small model updates to the discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News Board meeting scheduled for January 30, 2026, to review and approve the unaudited standalone financial results for the quarter ended December 31, 2025 (Key Developments).Narrative Update • Dec 19
511243: Fair Pricing And Board Reclassification Outcome Will Shape Future Outlook
Narrative Update on Cholamandalam Investment and Finance The analyst price target for Cholamandalam Investment and Finance has been modestly raised from ₹1,728 to about ₹1,747, as analysts factor in slightly stronger revenue growth, marginally higher profit margins, and a small upward revision to future valuation multiples. What's in the News Board meeting scheduled for November 6, 2025, to approve audited standalone and consolidated financial results for the quarter and half year ended September 30, 2025 (company filing) Board to review and decide on requests from YCAS and CECL for reclassification from promoter group to public category under Regulation 31A of the Listing Regulations (company filing) Board to confirm eligibility of YCAS and CECL under Regulation 31A(3)(b) before approving their reclassification to public category (company filing) Valuation Changes Fair Value: Risen slightly from about ₹1,728 to about ₹1,747, reflecting a modest uplift in the intrinsic value estimate.Narrative Update • Dec 05
511243: Fair Margins And Board Reclassification Review Will Shape Outlook
Analysts have slightly raised their price target for Cholamandalam Investment and Finance to ₹1,728 from ₹1,718, citing marginally stronger expectations for revenue growth and valuation multiples, despite a modest softening in profit margin and a slightly higher discount rate. What's in the News Board meeting scheduled on November 6, 2025, to review and approve audited standalone and consolidated financial results for the quarter and half year ended September 30, 2025 (company filing) Board to evaluate requests from YCAS and CECL for reclassification from promoter or related category to public category under Regulation 31A of SEBI Listing Regulations (company filing) Confirmation of eligibility of YCAS and CECL under Regulation 31A(3)(b) to be taken up as part of the same board meeting agenda (company filing) Valuation Changes Fair Value Estimate has risen slightly to ₹1,728.41 from ₹1,717.91, reflecting a marginally higher intrinsic value assessment.Narrative Update • Nov 20
511243: Forward Margins and Discount Rate Shifts Will Define Outlook Ahead
Analysts have raised their price target for Cholamandalam Investment and Finance from ₹1,599.79 to ₹1,717.91. This change is attributed to improved revenue growth forecasts and a slightly lower discount rate, despite minor changes in profit margin and future valuation multiples.Narrative Update • Nov 05
511243: Forward Margins And Discount Rate Shifts Will Define Outlook Ahead
Analysts have maintained their price target for Cholamandalam Investment and Finance at ₹1,599.79, citing minor improvements in discount rate and profit margin projections. These factors offset slight adjustments in revenue growth and forward valuation metrics.Narrative Update • Oct 22
Analysts Lift Price Target for Cholamandalam Investment and Finance on Improved Growth Forecasts
Cholamandalam Investment and Finance's analyst price target has risen slightly from ₹1,597.36 to ₹1,599.79. Analysts cite marginal improvements in forecasted revenue growth, profit margins, and valuation metrics, which support a modestly higher fair value estimate.Narrative Update • Oct 08
India's Rising Middle Class Will Fuel Lending Expansion
Analysts have raised their price target for Cholamandalam Investment and Finance from ₹1,573 to ₹1,597. This change reflects slightly higher expected revenue growth and minor adjustments to profitability forecasts.Narrative Update • Sep 05
India's Rising Middle Class Will Fuel Lending Expansion
Cholamandalam Investment and Finance saw negligible changes in both its discount rate and future P/E, resulting in an unchanged analyst consensus price target of ₹1573. What's in the News Board meeting scheduled to consider and approve unaudited standalone and consolidated financial results for the quarter ended 30 June 2025.
New Narrative • Nov 13
Calculated Geographic Expansion And Employee Growth Set The Stage For Robust Revenue Expansion
Strategic expansion into non-South markets and staff increase could boost revenue and improve net margins.Shareholder Returns
| 511243 | IN Consumer Finance | IN Market | |
|---|---|---|---|
| 7D | -8.0% | -6.4% | -3.1% |
| 1Y | -1.4% | 8.1% | 0.1% |
Return vs Industry: 511243 underperformed the Indian Consumer Finance industry which returned 9.6% over the past year.
Return vs Market: 511243 underperformed the Indian Market which returned 0.6% over the past year.
Price Volatility
| 511243 volatility | |
|---|---|
| 511243 Average Weekly Movement | 6.0% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in IN Market | 10.1% |
| 10% least volatile stocks in IN Market | 4.7% |
Stable Share Price: 511243 has not had significant price volatility in the past 3 months compared to the Indian market.
Volatility Over Time: 511243's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1978 | 45,194 | Ravindra Kundu | www.cholamandalam.com |
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 vehicles, two- and three- wheelers, and tractors, as well as construction equipment.
Cholamandalam Investment and Finance Company Limited Fundamentals Summary
| 511243 fundamental statistics | |
|---|---|
| Market cap | ₹1.34t |
| Earnings (TTM) | ₹52.33b |
| Revenue (TTM) | ₹131.53b |
25.7x
P/E Ratio10.2x
P/S RatioIs 511243 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 511243 income statement (TTM) | |
|---|---|
| Revenue | ₹131.53b |
| Cost of Revenue | ₹0 |
| Gross Profit | ₹131.53b |
| Other Expenses | ₹79.20b |
| Earnings | ₹52.33b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 61.37 |
| Gross Margin | 100.00% |
| Net Profit Margin | 39.78% |
| Debt/Equity Ratio | 693.3% |
How did 511243 perform over the long term?
See historical performance and comparisonDividends
0.1%
Current Dividend Yield3%
Payout RatioDoes 511243 pay a reliable dividends?
See 511243 dividend history and benchmarks| Cholamandalam Investment and Finance dividend dates | |
|---|---|
| Ex Dividend Date | Jul 21 2026 |
| Dividend Pay Date | Aug 26 2026 |
| Days until Ex dividend | 68 days |
| Days until Dividend pay date | 104 days |
Does 511243 pay a reliable dividends?
See 511243 dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/13 02:16 |
| End of Day Share Price | 2026/05/13 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Cholamandalam Investment and Finance Company Limited is covered by 50 analysts. 31 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Pradeep Agrawal | 360 ONE Capital Market Private Limited |
| Raghav Garg | Ambit Capital |
| Yuvraj Choudhary | Anand Rathi Shares and Stock Brokers Limited |