Cholamandalam Financial Holdings Ltd.
NSE: CHOLAHLDNGCholamandalam Financial Holdings Ltd.: A 30-second snapshot
Cholamandalam Financial Holdings trades at ₹1,503.40, down 20.88% over 12 months and 27.16% below its 52-week high, with the price below both its 50-DMA (₹1,574.92) and 200-DMA (₹1,693.57). Trailing PE is 11.80 (forward PE 8.03) against an ROE of 18.04%, while free cash flow has been negative in all 5 recorded years alongside a rising debt trend and a debt-to-equity ratio of approximately 6.23x, consistent with the leveraged lending structure of a financial holding company.
P/E
11.8
Forward P/E
8.0
ROE
+18.0%
Debt / Equity
623.16
Profit Margin
+11.5%
Div. Yield
+0.1%
5Y ROE > 15%
3/5
5Y FCF > 0
0/5
Quality
59/100
News
3 headlines · 0 positive · 0 negative
Cholamandalam Financial Holdings Releases FY26 Sustainability Report - TipRanks
TipRanks
Cholamandalam Financial Holdings Ltd Revenue Breakdown – NSE:CHOLAHLDNG - TradingView
TradingView
Cholamandalam Financial Holdings releases Business Responsibility and Sustainability Report for FY 2025-26 - Business Upturn
Business Upturn
Recent context
- ·All three headlines available this run (July 22-27, 2026) relate to FY26 Sustainability Report / Business Responsibility and Sustainability Report (BRSR) filings rather than operational or earnings news.
- ·The stock is down 20.88% over the past 12 months, and no headline in the available sample points to a specific catalyst for the move.
- ·Mean analyst rating of 1.0 across 3 analysts (1-5 scale, lower = more constructive), though the analyst count is thin.
Strengths
- +Trailing PE of 11.80 and forward PE of 8.03 rank lowest (1st of 6) among the tracked Banking-sector peer set.
- +ROE of 18.04% ranks highest (1st of 6) among the peer set, with 3 of the recorded years above 15%.
- +5-year revenue growth of 16.8% has outpaced 5-year earnings growth of 12%.
- +RSI at 33.27 sits in neutral territory, and the current price is close to the nearest identified support level (₹1,490.10).
Weaknesses
- −Free cash flow has been negative in all 5 recorded years alongside a rising debt trend; debt-to-equity of approximately 6.23x reflects the leveraged-lending structure typical of a financial holding company, but the persistent FCF shortfall is notable.
- −Price is down 20.88% over 12 months and 12.3% over 3 months, trading below both the 50-DMA and 200-DMA and 27.16% below its 52-week high.
- −ROE has exceeded 15% in only 3 of the recorded years, with a consistency score of 56/100.
- −News and analyst coverage are both thin this run — 3 headlines and 3 analysts — limiting visibility into recent catalysts.
Open questions
- ?What is driving persistent negative free cash flow despite an 18.04% ROE, and is it structural to the holding company's lending-subsidiary model?
- ?Does the approximately 6.23x debt-to-equity reflect a stable leverage profile for a financial holding company, or has it moved meaningfully against its own historical trend given the 'rising' debt classification?
- ?With the stock below both its 50- and 200-day moving averages amid only routine, neutral news, what fundamental or sector-level factors might explain the 12-month decline?
- ?How comparable is the current peer set (a mix of banks, NBFCs and an insurer) to a diversified financial holding company like CHOLAHLDNG for PE and ROE ranking purposes?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CHOLAHLDNG | Cholamandalam Financial Holdings Ltd.You're viewing | 11.8 | +18.0% | 59 |
| 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
₹1,503.40
SMA 50
₹1,574.92
SMA 200
₹1,693.57
RSI (14)
33.3 (neutral)
From 52w high
-27.2%
1Y return
-20.9%
3M return
-12.3%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highFree cash flow has been negative in all 5 recorded years (fcfPositiveYears = 0) alongside a rising debt trend. Debt-to-equity stands at approximately 6.23x, a level that reflects the leveraged lending structure typical of a financial holding company rather than an outright anomaly, but the multi-year FCF shortfall combined with rising debt is notable in its own right.
- mediumPrice of ₹1,503.40 sits below both the 50-DMA (₹1,574.92) and 200-DMA (₹1,693.57), down 20.88% over the past 12 months and 12.3% over the past 3 months, and is 27.16% below its 52-week high.
- lowROE has exceeded 15% in only 3 of the recorded years, with a consistency score of 56/100. Profit margin is 11.5%.
- lowNews sample is limited to 3 headlines this run, all neutral and centered on routine FY26 sustainability/BRSR reporting rather than operational or earnings news. Analyst coverage is also thin at 3 analysts.
Cross-section contradictions
- Forward PE of 8.03 versus trailing PE of 11.80 implies a step-up in near-term earnings expectations, yet 5-year earnings growth has run at 12% and free cash flow has been negative in every recorded year.
- CHOLAHLDNG ranks 1st of 6 tracked peers on both PE (lowest) and ROE (highest), yet the stock is down 20.88% over 12 months and 27.16% below its 52-week high, with only routine/neutral news in the available sample explaining the move.
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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