Cholamandalam Investment and Finance Company Limited

NSEI:CHOLAFIN Stock Report

Market Cap: ₹1.5t

Cholamandalam Investment and Finance Past Earnings Performance

Past criteria checks 4/6

Cholamandalam Investment and Finance has been growing earnings at an average annual rate of 25.2%, while the Consumer Finance industry saw earnings growing at 27.9% annually. Revenues have been growing at an average rate of 21.6% per year. Cholamandalam Investment and Finance's return on equity is 17.9%, and it has net margins of 39.2%.

Key information

25.20%

Earnings growth rate

24.52%

EPS growth rate

Consumer Finance Industry Growth18.34%
Revenue growth rate21.56%
Return on equity17.91%
Net Margin39.16%
Last Earnings Update30 Sep 2025

Recent past performance updates

Recent updates

If EPS Growth Is Important To You, Cholamandalam Investment and Finance (NSE:CHOLAFIN) Presents An Opportunity

Oct 28
If EPS Growth Is Important To You, Cholamandalam Investment and Finance (NSE:CHOLAFIN) Presents An Opportunity

Not Many Are Piling Into Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN) Just Yet

Aug 29
Not Many Are Piling Into Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN) Just Yet

Cholamandalam Investment and Finance (NSE:CHOLAFIN) Is Due To Pay A Dividend Of ₹0.70

Jul 04
Cholamandalam Investment and Finance (NSE:CHOLAFIN) Is Due To Pay A Dividend Of ₹0.70

Cholamandalam Investment and Finance (NSE:CHOLAFIN) Has Announced A Dividend Of ₹0.70

Jun 20
Cholamandalam Investment and Finance (NSE:CHOLAFIN) Has Announced A Dividend Of ₹0.70

Cholamandalam Investment and Finance (NSE:CHOLAFIN) Will Pay A Dividend Of ₹0.70

May 21
Cholamandalam Investment and Finance (NSE:CHOLAFIN) Will Pay A Dividend Of ₹0.70

Cholamandalam Investment and Finance (NSE:CHOLAFIN) Will Pay A Dividend Of ₹0.70

Apr 29
Cholamandalam Investment and Finance (NSE:CHOLAFIN) Will Pay A Dividend Of ₹0.70

Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN) Not Flying Under The Radar

Apr 03
Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN) Not Flying Under The Radar

Cholamandalam Investment and Finance (NSE:CHOLAFIN) Will Pay A Dividend Of ₹1.30

Feb 04
Cholamandalam Investment and Finance (NSE:CHOLAFIN) Will Pay A Dividend Of ₹1.30

Do Cholamandalam Investment and Finance's (NSE:CHOLAFIN) Earnings Warrant Your Attention?

Jan 21
Do Cholamandalam Investment and Finance's (NSE:CHOLAFIN) Earnings Warrant Your Attention?

Take Care Before Diving Into The Deep End On Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN)

Dec 24
Take Care Before Diving Into The Deep End On Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN)

Revenue & Expenses Breakdown

How Cholamandalam Investment and Finance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NSEI:CHOLAFIN Revenue, expenses and earnings (INR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 25118,63046,45238,9150
30 Jun 25113,59244,53436,2450
31 Mar 25108,77142,62733,8270
31 Dec 24104,63040,68432,1780
30 Sep 2498,94238,52230,1940
30 Jun 2493,22136,57328,5040
31 Mar 2486,09034,20125,2770
31 Dec 2378,55332,10021,4860
30 Sep 2372,84030,22818,2650
30 Jun 2366,64028,12815,0110
31 Mar 2363,01426,64913,9550
31 Dec 2259,64724,96412,8880
30 Sep 2255,35023,39311,5260
30 Jun 2255,08323,87010,8710
31 Mar 2249,81921,5359,8160
31 Dec 2156,43717,1199,4430
30 Sep 2153,15715,9408,7140
30 Jun 2154,02614,1818,0650
31 Mar 2136,41415,2098,1030
31 Dec 2046,87913,1827,0740
30 Sep 2044,09012,9767,3200
30 Jun 2041,71111,6997,3410
31 Mar 2041,34310,5377,2700
31 Dec 1940,00113,0827,4910
30 Sep 1938,12412,3826,9650
30 Jun 1936,24112,3086,8700
31 Mar 1935,13911,9816,7450
31 Dec 1835,24811,3196,8160
30 Sep 1833,45410,6296,8940
30 Jun 1831,6689,9156,3620
31 Mar 1829,2749,1776,0880
31 Dec 1726,4059,0705,5290
30 Sep 1724,3508,2015,2380
30 Jun 1722,8337,5975,0310
31 Mar 1721,5977,1944,5940
31 Dec 1621,0276,8953,9650
30 Sep 1620,2676,7423,5510
30 Jun 1619,0296,2823,1410
31 Mar 1618,0455,7212,9930
31 Dec 1516,4005,1403,4560
30 Sep 1515,6874,7873,4670
30 Jun 1515,1204,5613,3260
31 Mar 1514,4324,4072,6450
31 Dec 1413,5633,9992,9980

Quality Earnings: CHOLAFIN has high quality earnings.

Growing Profit Margin: CHOLAFIN's current net profit margins (39.2%) are higher than last year (38.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CHOLAFIN's earnings have grown significantly by 25.2% per year over the past 5 years.

Accelerating Growth: CHOLAFIN's earnings growth over the past year (20.6%) is below its 5-year average (25.2% per year).

Earnings vs Industry: CHOLAFIN earnings growth over the past year (20.6%) exceeded the Consumer Finance industry 13.2%.

Return on Equity

High ROE: CHOLAFIN's Return on Equity (17.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/27 02:11
End of Day Share Price 2025/11/27 00:00
Earnings2025/09/30
Annual Earnings2025/03/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 55 analysts. 30 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Raghav GargAmbit Capital
Nitin BhasinAmbit Capital
Ashwin MehtaAmbit Capital