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Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN

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Cholamandalam Investment and Finance Company Ltd Logo
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
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Price: 1 156.6 INR 2.34% Market Closed
Updated: Mar 29, 2024

Intrinsic Value

Cholamandalam Investment & Finance Co. Ltd. engages in the provision of financial services. [ Read More ]

The intrinsic value of one CHOLAFIN stock under the Base Case scenario is 1 221.11 INR. Compared to the current market price of 1 156.6 INR, Cholamandalam Investment and Finance Company Ltd is Undervalued by 5%.

Key Points:
CHOLAFIN Intrinsic Value
Base Case
1 221.11 INR
Undervaluation 5%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Cholamandalam Investment and Finance Company Ltd

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Fundamental Analysis

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Financials

Balance Sheet Decomposition
Cholamandalam Investment and Finance Company Ltd

Current Assets 91.5B
Cash & Short-Term Investments 78.9B
Receivables 12.6B
Non-Current Assets 1.3T
Long-Term Investments 37.9B
PP&E 4.6B
Intangibles 432m
Other Non-Current Assets 1.2T
Current Liabilities 16B
Accounts Payable 6.6B
Other Current Liabilities 9.4B
Non-Current Liabilities 1.2T
Long-Term Debt 1.2T
Other Non-Current Liabilities 7.1B
Efficiency

Earnings Waterfall
Cholamandalam Investment and Finance Company Ltd

Revenue
173.4B INR
Cost of Revenue
-83.9B INR
Gross Profit
89.5B INR
Operating Expenses
-37.8B INR
Operating Income
51.7B INR
Other Expenses
-19.6B INR
Net Income
32.1B INR

Free Cash Flow Analysis
Cholamandalam Investment and Finance Company Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
History
Components
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Fundamental Scores

CHOLAFIN Profitability Score
Profitability Due Diligence

Cholamandalam Investment and Finance Company Ltd's profitability score is 56/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Operating Income
Exceptional 3-Years Revenue Growth
Positive 3-Year Average ROE
56/100
Profitability
Score

Cholamandalam Investment and Finance Company Ltd's profitability score is 56/100. The higher the profitability score, the more profitable the company is.

CHOLAFIN Solvency Score
Solvency Due Diligence

Cholamandalam Investment and Finance Company Ltd's solvency score is 26/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Positive Net Debt
Low Altman Z-Score
26/100
Solvency
Score

Cholamandalam Investment and Finance Company Ltd's solvency score is 26/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

CHOLAFIN Price Targets Summary
Cholamandalam Investment and Finance Company Ltd

Wall Street analysts forecast CHOLAFIN stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for CHOLAFIN is 1 297.76 INR with a low forecast of 843.35 INR and a high forecast of 1 722 INR.

Lowest
Price Target
843.35 INR
27% Downside
Average
Price Target
1 297.76 INR
12% Upside
Highest
Price Target
1 722 INR
49% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Shareholder Return

CHOLAFIN Price
Cholamandalam Investment and Finance Company Ltd

1M 1M
+6%
6M 6M
-5%
1Y 1Y
+55%
3Y 3Y
+110%
5Y 5Y
+308%
10Y 10Y
+2 025%
Annual Price Range
1 156.6
52w Low
747.85
52w High
1 299.45
Price Metrics
Average Annual Return 27.22%
Standard Deviation of Annual Returns 14.61%
Max Drawdown -64%
Shares Statistics
Market Capitalization 951.3B INR
Shares Outstanding 840 906 500
Percentage of Shares Shorted
N/A

CHOLAFIN Return Decomposition
Main factors of price return

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Company Profile

Cholamandalam Investment and Finance Company Ltd Logo
Cholamandalam Investment and Finance Company Ltd

Country

India

Industry

Financial Services

Market Cap

951.3B INR

Dividend Yield

0.18%

Description

Cholamandalam Investment & Finance Co. Ltd. engages in the provision of financial services. The company is headquartered in Chennai, Tamil Nadu and currently employs 9,125 full-time employees. The firm offers financial services, including vehicle finance, home loans, home equity loans, small and medium enterprises (SME) loans, investment advisory services, stock broking and a range of other financial services to its customers. The Company’s segments include Vehicle Finance Loans, Loan against property and Home Loans. The Vehicle Finance Loans segment provides loans to customers against purchase of new/used vehicles, tractors, construction equipments and loan to automobile dealers. The Loan against property segment provides loans to customer against immovable property. The Home Loans segment provides loans for given acquisition of residential property. The company offers loans against shares, and other unsecured loans and security broking and insurance agency business. Its subsidiaries include Cholamandalam Securities Limited (CSEC) and Cholamandalam Home Finance Limited (CHFL).

Contact

TAMIL NADU
Chennai
Dare House, 2, NSC Bose Road, Parrys
+914425307172
http://www.cholamandalam.com/

IPO

1995-01-11

Employees

9 125

Officers

President of Business, Head of Vehicle Finance & Executive Director
Mr. Ravindra Kumar Kundu
Chief Financial Officer
Mr. D. Arul Selvan
Vice President of Operations
Mr. Mahesh Madhukar Waikar
Compliance Officer & Company Secretary
Ms. Pilli Sujatha
Head of Marketing and Corporate Communications
Mr. Sudhir Rao
Vice President of Human Resources
Mr. R. Chandrasekar
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Senior VP & Business Head ? Home Equity
Mr. Rupinder Singh
President of Housing Finance
Mr. Shaji Varghese
Chief Risk Officer
Mr. Ajay Bhatia
Show Less

See Also

Discover More
What is the Intrinsic Value of one CHOLAFIN stock?

The intrinsic value of one CHOLAFIN stock under the Base Case scenario is 1 221.11 INR.

Is CHOLAFIN stock undervalued or overvalued?

Compared to the current market price of 1 156.6 INR, Cholamandalam Investment and Finance Company Ltd is Undervalued by 5%.