Cholamandalam Investment and Finance Company Ltd.
NSE: CHOLAFINCholamandalam Investment and Finance Company Ltd.: A 30-second snapshot
Cholamandalam Investment and Finance (CHOLAFIN) trades at ₹1,773.80, up 19.16% over the past year and 7.07% over the past 3 months, sitting 5.36% below its 52-week high and above both its 50-DMA (₹1,686.11) and 200-DMA (₹1,654.39) with RSI at 52.96 (neutral). Trailing PE is 27.37 against a forward PE of 18.84, and mean analyst rating stands at 1.56 across 32 analysts (1-5 scale, lower = more constructive). Q1 FY27 results reported July 28, 2026 showed net profit up 46% YoY to ₹1,656 crore alongside growth in disbursements and AUM.
P/E
27.4
Forward P/E
18.8
ROE
—
Debt / Equity
695.28
Profit Margin
+40.5%
Div. Yield
+0.1%
5Y ROE > 15%
4/5
5Y FCF > 0
0/5
Quality
68/100
News
8 headlines · 5 positive · 0 negative
Cholamandalam Investment and Finance Company Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
marketscreener.com
CHOLAFIN: Strong growth in disbursements, AUM, and profitability, with stable asset quality and robust outlook - TradingView
TradingView
Cholamandalam Investment and Finance Q1 Profit Surges 46% to Rs 1,656 Cr - HDFC Sky
HDFC Sky
CHOLAFIN: Q1 FY27 delivered strong double-digit growth in disbursements, AUM, and profitability - TradingView
TradingView
Nomura Adjusts Cholamandalam Investment and Finance's Price Target to INR1,820 From INR1,760, Keeps at Neutral - marketscreener.com
marketscreener.com
Recent context
- ·Q1 FY27 (quarter ended June 30, 2026) results, reported July 28, 2026, showed net profit up 46% YoY to ₹1,656 crore, with coverage citing strong growth in disbursements, AUM, and profitability alongside stable asset quality.
- ·Nomura raised its price target to ₹1,820 from ₹1,760 on July 29, 2026 while maintaining a "Neutral" rating.
- ·News flow over the tracked period skewed positive (5 positive, 3 neutral, 0 negative of 8 items), coinciding with a 7.07% 3-month price gain and a level 5.36% below the 52-week high.
Strengths
- +Profit margin of 40.55% and 5-year earnings CAGR of 43.7% (revenue CAGR 34.6%) alongside ROE above 15% in 4 of the tracked years and a consistency score of 63.
- +Q1 FY27 net profit rose 46% YoY to ₹1,656 crore, with July 2026 coverage describing double-digit growth in disbursements, AUM, and profitability alongside stable asset quality.
- +Mean analyst rating of 1.56 across 32 analysts (1-5 scale, lower = more constructive); news flow over the tracked period was 5 positive, 3 neutral, 0 negative of 8 items.
- +Price trades above both the 50-DMA and 200-DMA, up 19.16% over 12 months, and ranks 3rd of 6 sector peers on trailing PE (27.37) and quality score.
Weaknesses
- −Zero years of positive free cash flow are recorded across the tracked history, with debt trend flagged as rising — loan-book growth funded through wholesale borrowings, leaving earnings sensitive to funding-cost and credit-spread movements.
- −Debt-to-equity of approximately 6.95x (scale-corrected) is elevated in absolute terms even accounting for the NBFC business model, and the recorded trend is rising rather than stable.
- −Dividend yield of 0.08% is minimal relative to the price appreciation over the past year.
- −Current-year ROE is unpopulated in the fundamental data, and ROE plus 1-year price-change fields are null for all 5 listed sector peers, limiting relative benchmarking to PE and quality score only.
Open questions
- ?How does the current ~6.95x debt-to-equity level and rising debt trend compare with CHOLAFIN's own multi-year funding-cost trajectory, given zero years of positive free cash flow in the tracked data?
- ?Does the 43.7% five-year earnings growth reflect durable AUM and disbursement expansion, or a credit environment that could normalize over time?
- ?What does the gap between the 27.37x trailing PE and 18.84x forward PE imply about the market's near-term earnings expectations, and how sensitive is that gap to any slowdown in disbursement growth?
- ?With ROE and 1-year price-change data unavailable for most listed sector comparators, what additional sources would be needed to benchmark CHOLAFIN's return profile more completely against NBFC and bank peers?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CHOLAFIN | Cholamandalam Investment and Finance Company Ltd.You're viewing | 27.4 | — | 47 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹1,773.80
SMA 50
₹1,686.11
SMA 200
₹1,654.39
RSI (14)
53.0 (neutral)
From 52w high
-5.4%
1Y return
+19.2%
3M return
+7.1%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumZero years of positive free cash flow are recorded across the tracked history, with debt trend flagged as rising. Debt-to-equity is approximately 6.95x on a scale-corrected basis (raw Yahoo field is percentage-scaled) — a level structurally typical of an NBFC loan book funded through wholesale borrowings rather than a solvency signal on its own, but it does mean earnings remain sensitive to funding-cost and credit-spread movements as the debt trend continues upward.
- lowCurrent-year ROE is null in the fundamental keyMetrics block even though the separate persistence tracker records ROE above 15% in 4 of the tracked years — the two data points are not fully reconcilable from what is available.
- lowROE and 1-year price-change fields are null for all 5 listed sector comparators (Axis Bank, Bajaj Finserv, Bajaj Finance, HDFC Bank, HDFC Life), limiting the sector ranking to trailing PE (3rd of 6) and quality score (3rd of 6) only.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days