Cholamandalam Investment and Finance Company Limited

BSE:511243 Stock Report

Market Cap: ₹1.0t

Cholamandalam Investment and Finance Valuation

Is 511243 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 511243 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 511243 (₹1204.9) is trading above our estimate of fair value (₹525.98)

Significantly Below Fair Value: 511243 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 511243?

Key metric: As 511243 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 511243. This is calculated by dividing 511243's market cap by their current earnings.
What is 511243's PE Ratio?
PE Ratio26.3x
Earnings₹38.52b
Market Cap₹1.01t

Price to Earnings Ratio vs Peers

How does 511243's PE Ratio compare to its peers?

The above table shows the PE ratio for 511243 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.9x
511218 Shriram Finance
13.2x13.8%₹1.1t
MUTHOOTFIN Muthoot Finance
16.3x14.2%₹762.6b
SBICARD SBI Cards and Payment Services
29.1x20.7%₹642.2b
SUNDARMFIN Sundaram Finance
29.1x13.3%₹455.9b
511243 Cholamandalam Investment and Finance
26.3x21.9%₹1.0t

Price-To-Earnings vs Peers: 511243 is expensive based on its Price-To-Earnings Ratio (26.3x) compared to the peer average (21.9x).

Price to Earnings Ratio vs Industry

How does 511243's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.7xn/aUS$27.23m
No more companies available in this PE range
511243 26.3xIndustry Avg. 21.1xNo. of Companies9PE01224364860+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 511243 is expensive based on its Price-To-Earnings Ratio (26.3x) compared to the Indian Consumer Finance industry average (21.1x).

Price to Earnings Ratio vs Fair Ratio

What is 511243's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

511243 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio26.3x
Fair PE Ratio26.8x

Price-To-Earnings vs Fair Ratio: 511243 is good value based on its Price-To-Earnings Ratio (26.3x) compared to the estimated Fair Price-To-Earnings Ratio (26.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 511243 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹1,204.90
₹1,528.00
+26.8%
10.3%₹1,850.00₹1,089.00n/a33
Nov ’25₹1,284.10
₹1,535.58
+19.6%
10.9%₹1,850.00₹1,089.00n/a33
Oct ’25₹1,581.55
₹1,561.52
-1.3%
11.1%₹1,850.00₹1,049.00n/a33
Sep ’25₹1,456.95
₹1,514.78
+4.0%
11.6%₹1,700.00₹1,049.00n/a32
Aug ’25₹1,391.20
₹1,496.15
+7.5%
12.7%₹1,700.00₹1,049.00n/a33
Jul ’25₹1,434.30
₹1,414.56
-1.4%
11.9%₹1,660.00₹1,000.00n/a32
Jun ’25₹1,239.95
₹1,410.03
+13.7%
11.7%₹1,615.00₹1,000.00n/a32
May ’25₹1,194.00
₹1,319.48
+10.5%
10.8%₹1,530.00₹928.00n/a31
Apr ’25₹1,186.00
₹1,308.73
+10.3%
11.9%₹1,640.00₹921.00n/a30
Mar ’25₹1,095.60
₹1,320.53
+20.5%
11.6%₹1,640.00₹1,000.00n/a30
Feb ’25₹1,146.70
₹1,331.41
+16.1%
10.8%₹1,640.00₹1,006.00n/a29
Jan ’25₹1,224.35
₹1,262.54
+3.1%
9.8%₹1,425.00₹942.00n/a28
Dec ’24₹1,128.50
₹1,236.10
+9.5%
11.4%₹1,425.00₹900.00n/a30
Nov ’24₹1,150.35
₹1,217.67
+5.9%
13.2%₹1,475.00₹870.00₹1,284.1030
Oct ’24₹1,217.60
₹1,176.41
-3.4%
13.3%₹1,425.00₹870.00₹1,581.5529
Sep ’24₹1,127.75
₹1,181.87
+4.8%
13.2%₹1,425.00₹870.00₹1,456.9530
Aug ’24₹1,130.65
₹1,140.96
+0.9%
14.5%₹1,350.00₹860.00₹1,391.2028
Jul ’24₹1,141.75
₹1,051.52
-7.9%
11.2%₹1,340.00₹859.00₹1,434.3027
Jun ’24₹1,043.75
₹1,031.75
-1.1%
8.8%₹1,230.00₹859.00₹1,239.9528
May ’24₹871.30
₹873.11
+0.2%
7.4%₹1,000.00₹700.00₹1,194.0027
Apr ’24₹761.60
₹861.81
+13.2%
8.0%₹1,000.00₹700.00₹1,186.0027
Mar ’24₹766.85
₹859.61
+12.1%
7.8%₹1,000.00₹700.00₹1,095.6028
Feb ’24₹749.80
₹840.72
+12.1%
9.6%₹1,000.00₹700.00₹1,146.7029
Jan ’24₹723.05
₹824.25
+14.0%
9.3%₹940.00₹600.00₹1,224.3528
Dec ’23₹728.75
₹822.63
+12.9%
9.4%₹940.00₹600.00₹1,128.5027
Nov ’23₹709.35
₹810.25
+14.2%
9.9%₹930.00₹600.00₹1,150.3528

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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