NSE CHOLAHLDNG · BSE 504973 · Consumer Financial Services · NIFTY 500
Cholamandalam Financial Holdings Share Price
₹1,427.00
▼ −₹36.29 · 2.48%
Day range · 24 Sep
₹1,406.50Low₹1,454.75High
52-week range
₹1,305.00Low · 23 Mar 2026₹2,061.45High · 6 Nov 2025
Cholamandalam Financial Holdings Overview
Where the price stands, how it has moved and how it sits against its averages.
Cholamandalam Financial Holdings shares last traded at ₹1,427.00 on the NSE, down 2.48% on the day. That is 30.8% below the 52-week high of ₹2,061.45 and 9.3% above the 52-week low of ₹1,305.00. The stock trades at 10.20× earnings, below the sector average of 23.98. Its market value is ₹27,219 Cr.
Price returns
1 Day▼ −2.48%
1 Week0.00%
This month▼ −0.88%
3 Months▼ −10.68%
6 Months▲ +5.02%
This year▼ −18.78%
1 Year▼ −23.41%
Against the market: 1 Month ▼ −2.24% · 3 Months ▼ −8.10% · 6 Months ▲ +5.65% · This year ▼ −7.50% · 1 Year ▼ −15.96%
Shading grows with the size of the move. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next check from Fri 16 Oct, 9:15 AM. Its quotes are not real-time — the time at the top shows how current the price is.
Moving averages — price is above 0 of 6
- 300-day average₹1,633.46 ▼ price 12.6% below
- 100-day average₹1,578.34 ▼ price 9.6% below
- 50-day average₹1,542.69 ▼ price 7.5% below
- 20-day average₹1,510.23 ▼ price 5.5% below
- 10-day average₹1,508.19 ▼ price 5.4% below
- 5-day average₹1,490.74 ▼ price 4.3% below
- Today's price₹1,427.00
Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.
Cholamandalam Financial Holdings Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
39,073
2,441
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| FY 2026 | ₹39,073 Cr | ▲ +18.0% | ₹2,441 Cr | 6.2% | ₹130.01 | ₹1.30 |
| FY 2025 | ₹33,125 Cr | ▲ +28.4% | ₹2,174 Cr | 6.6% | ₹115.76 | ₹1.30 |
| FY 2024 | ₹25,804 Cr | ▲ +42.2% | ₹1,773 Cr | 6.9% | ₹94.39 | ₹0.55 |
| FY 2023 | ₹18,146 Cr | ▲ +23.9% | ₹1,290 Cr | 7.1% | ₹68.72 | ₹0.55 |
| FY 2022 | ₹14,644 Cr | ▲ +5.3% | ₹1,023 Cr | 7.0% | ₹54.49 | ₹0.55 |
| FY 2021 | ₹13,900 Cr | ▲ +5.8% | ₹825 Cr | 5.9% | ₹43.93 | ₹0.55 |
| FY 2020 | ₹13,135 Cr | — | ₹551 Cr | 4.2% | ₹38.29 | ₹0.65 |
10,936
806
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹10,936 Cr | ▲ +4.7% | ₹806 Cr | 7.4% | ₹42.92 |
| Q4 FY26 | ₹10,444 Cr | ▲ +5.5% | ₹687 Cr | 6.6% | ₹36.59 |
| Q3 FY26 | ₹9,897 Cr | ▲ +4.3% | ₹626 Cr | 6.3% | ₹33.32 |
| Q2 FY26 | ₹9,487 Cr | ▲ +3.5% | ₹550 Cr | 5.8% | ₹29.28 |
| Q1 FY26 | ₹9,163 Cr | ▲ +2.9% | ₹579 Cr | 6.3% | ₹30.81 |
| Q4 FY25 | ₹8,903 Cr | ▲ +4.9% | ₹614 Cr | 6.9% | ₹32.68 |
| Q3 FY25 | ₹8,489 Cr | ▲ +4.9% | ₹486 Cr | 5.7% | ₹25.89 |
| Q2 FY25 | ₹8,090 Cr | — | ₹526 Cr | 6.5% | ₹27.99 |
Balance sheet — FY26
Owes (liabilities)Shareholders' equity
94%
- Total assets₹2,68,333 Cr
- Total liabilities₹2,52,879 Cr
- Shareholders' equity₹15,454 Cr
- Total debt₹2,11,038 Cr
- Cash & investments₹8,556 Cr
- Revenue growth, 5 yr22.96% a year
- EPS growth, 5 yr24.24% a year
- Operating margin (TTM)54.74%
- Net margin (TTM)14.74%
Cash flow — FY26
Operating activities
▼ −₹30,033 Cr
Investing activities
▼ −₹2,528 Cr
Financing activities
▲ ₹35,650 Cr
Free cash flow
▼ −₹30,393 Cr
Net change in cash
▲ ₹3,089 Cr
Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.
Full financial statements, FY20–FY26
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 13,134.70 | 13,900.15 | 14,643.55 | 18,145.87 | 25,803.52 | 33,125.33 | 39,072.72 |
| Cost of revenue | 292.79 | 324.60 | 455.80 | 513.20 | 1,388.37 | 1,646.19 | 1,662.74 |
| Gross profit | 12,841.91 | 13,575.55 | 14,187.75 | 17,632.67 | 24,415.15 | 31,479.14 | 37,409.98 |
| Operating expenses | 6,737.62 | 6,896.35 | 7,279.81 | 8,551.95 | 11,380.04 | 14,309.59 | 17,439.62 |
| Operating income | 6,397.08 | 7,003.80 | 7,363.74 | 9,593.92 | 14,423.48 | 18,815.74 | 21,633.10 |
| Depreciation | 149.81 | 145.47 | 154.16 | 176.06 | 247.54 | 295.73 | 332.57 |
| Profit before tax | 1,805.62 | 2,400.28 | 3,043.56 | 3,824.40 | 5,199.83 | 6,399.56 | 7,325.92 |
| Tax | 473.93 | 636.38 | 801.33 | 1,006.09 | 1,361.35 | 1,665.58 | 1,848.00 |
| Net profit | 550.85 | 824.64 | 1,023.07 | 1,290.23 | 1,772.52 | 2,173.66 | 2,441.29 |
| EPS (₹) | 38.29 | 43.93 | 54.49 | 68.72 | 94.39 | 115.76 | 130.01 |
| Dividend per share (₹) | 0.65 | 0.55 | 0.55 | 0.55 | 0.55 | 1.30 | 1.30 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 75,854.66 | 88,615.56 | 97,772.27 | 1,31,032.96 | 1,76,917.67 | 2,24,615.95 | 2,68,332.72 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | 3,714.63 | 1,723.71 | 2,842.30 | 1,099.63 | 1,043.22 | 5,484.60 | 8,556.33 |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 370.06 | 336.07 | 382.85 | 542.37 | 1,669.63 | 1,904.53 | 2,073.51 |
| Total liabilities | 71,264.08 | 83,229.62 | 91,326.58 | 1,23,372.38 | 1,66,675.94 | 2,12,100.67 | 2,52,878.57 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 55,298.85 | 63,968.60 | 69,395.36 | 97,403.02 | 1,34,422.17 | 1,74,955.88 | 2,11,038.47 |
| Total equity | 4,590.58 | 5,385.94 | 6,445.69 | 7,660.58 | 10,241.73 | 12,515.28 | 15,454.15 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | −1,914.18 | −9,719.16 | −5,738.48 | −29,328.73 | −35,726.42 | −34,201.30 | −30,032.77 |
| From investing | −96.49 | −62.07 | −135.48 | −257.03 | −2,624.99 | −1,037.72 | −2,528.40 |
| From financing | 2,427.20 | 7,688.02 | 7,072.90 | 27,839.78 | 38,269.19 | 39,651.71 | 35,650.27 |
| Capital expenditure | −97.93 | −64.14 | −138.02 | −260.76 | −1,168.71 | −341.48 | −360.21 |
| Dividends paid | −141.30 | −58.41 | −100.13 | −100.32 | −103.13 | −103.97 | −119.33 |
| Net change in cash | 416.53 | −2,093.21 | 1,198.94 | −1,745.98 | −82.22 | 4,412.69 | 3,089.10 |
Cholamandalam Financial Holdings vs Peers
Side by side with other consumer financial services companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield |
|---|---|---|---|---|---|---|---|---|
| Cholamandalam Financial Holdings This stock | ₹1,427.00 | ▼ −2.48% | ₹27,219 Cr | 10.20 | 1.73 | 18.40% | 14.74% | 0.09% |
| Bajaj Finance | ₹982.90 | ▼ −5.49% | ₹6,11,949 Cr | 25.01 | 5.76 | 19.79% | 23.72% | 0.51% |
| Shriram Finance | ₹990.50 | ▼ −1.64% | ₹2,33,063 Cr | 13.87 | 2.95 | 16.15% | 20.94% | 1.04% |
| Jio Financial Services | ₹227.20 | ▼ −1.94% | ₹1,50,023 Cr | 95.47 | 1.15 | 1.11% | 49.84% | 0.21% |
| Tata Capital | ₹334.55 | ▼ −4.43% | ₹1,42,033 Cr | 20.47 | 3.26 | 14.39% | 15.95% | 0.16% |
| Power Finance Corporation | ₹339.30 | ▼ −2.13% | ₹1,11,972 Cr | 5.42 | 1.01 | 20.90% | 29.13% | 4.58% |
Peer prices and ratios as last reported by the data provider. Company names link to their own pages.
Cholamandalam Financial Holdings Key Metrics
Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.
Cholamandalam Financial HoldingsBenchmarkRule-of-thumb bands
Valuation The price against earnings, book value and sales
P/E (TTM)Price ÷ yearly earnings per share
10.20
▼ 57% below the sector average of 23.98
P/E, 12-month rangeLow 7.93 · high 18.68
21%
Today's P/E sits 21% of the way from its low to its high
P/BPrice ÷ book value per share
1.73
P/SMarket cap ÷ last 12 months' revenue
0.67
P/CFPrice ÷ cash flow per share
4.36
PEGP/E ÷ earnings growth rate
0.44
Profitability Of every ₹100 of sales, how much is kept?
Operating marginKept after running costs
54.74%
▼ below its 5-yr average of 54.92%
Pre-tax marginKept before tax
19.70%
▼ below its 5-yr average of 19.72%
Net marginKept as profit
14.74%
▲ above its 5-yr average of 14.61%
Returns & efficiency How well does it use its money?
Return on equityProfit on shareholders' money
17.46%
▼ below its 5-yr average of 18.40%
Return on assetsProfit on everything it owns
2.22%
▼ below its 5-yr average of 2.36%
Return on investmentProfit on long-term capital
3.72%
▼ below its 5-yr average of 4.40%
Return on capital employedProfit before interest and tax on equity + debt
4.34%
Growth Is the business getting bigger?
Revenue — last 12 months
+17.7%
▲ growing
Revenue — 3 yr, a year
+29.1%
▲ growing (off the scale)
Revenue — 5 yr, a year
+23.0%
▲ growing
Net profit — 3 yr, a year
+23.7%
▲ growing
Net profit — 5 yr, a year
+24.2%
▲ growing
EPS — last 12 months
+21.1%
▲ growing
EPS — 3 yr, a year
+23.7%
▲ growing
EPS — 5 yr, a year
+24.2%
▲ growing
Dividend — 3 yr, a year
+33.2%
▲ growing (off the scale)
Book value — 5 yr, a year
+23.5%
▲ growing
Financial strength Can it pay its bills and debts?
Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
13.66×
Interest coverProfit before interest and tax ÷ interest on its borrowings
5.41×
Payout ratioShare of profit paid as dividend
1.00%
Per share What each share stands for
EPS (TTM)
₹142.11
Book value
₹822.90
Cash flow
₹338.03
Dividend
₹1.30
Revenue
₹2,170.61
The share price is 1.73× the book value behind each share.
Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.
All 106 metrics from the data provider
Valuation
P/E excluding extraordinary items, most recent fiscal year11.33
Current Dividend Yield - Common Stock Primary Issue, LTM0.09
Price to Book - most recent fiscal year1.79
P/E Basic excluding extraordinary items - TTM11.66
P/E including extraordinary items - TTM10.36
P/E excluding extraordinary items low, trailing 12 months7.93
Price to Tangible Book - most fiscal year1.81
Dividend Yield - 5 Year Average0.08
Price to sales - most recent fiscal year0.71
Dividend Yield - indicated annual dividend divided by closing price0.09
Price to Cash Flow per share - trailing 12 month4.36
Peg Ratio0.44
P/E Normalized, most recent fiscal year4.32
P/E excluding extraordinary items high, trailing 12 months18.68
P/E excluding extraordinary items, most recent fiscal year quarter10.36
Price to sales - trailing 12 month0.68
Net Debt, LFY20,24,821.00
Per share
Dividend Per Share - 5 year average0.85
Cash Flow per share - trailing 12 month338.03
Cash Flow per share - most recent fiscal year309.43
EPS including extraordinary items - trailing 12 month142.11
EPS including extraordinary items - most recent fiscal year130.01
EBITD per share - trailing 12 month1,496.68
Revenue/share - trailing 12 month2,170.61
EPS excluding extraordinary items - trailing 12 month142.11
EPS Basic excluding extraordinary items - most recent fiscal year130.01
EPS Basic excluding extraordinary items - trailing 12 month142.11
Book value per share - most recent fiscal year823.00
Dividend per share - most recent fiscal year1.30
Revenue/share - most recent fiscal year2,080.80
EPS Normalized - most recent fiscal year340.82
Book value (tangible) per share - most recent fiscal year812.18
Dividends per share - trailing 12 month1.30
EPS excluding extraordinary items - most recent fiscal year130.01
Cash per share - most recent fiscal year455.66
Margins
Operating margin - trailing 12 month54.74
Gross Margin - 5 year average95.67
Operating margin - 1st historical fiscal year55.37
Operating Margin - 5 year average54.92
Net Profit Margin % - 1st historical fiscal year14.02
Gross Margin - 1st historical fiscal year95.74
Net Profit Margin % - trailing 12 month14.74
Net Profit Margin - 5 year average14.61
Pretax Margin - 5 year average19.72
Pretax margin - 1st historical fiscal year18.75
Pretax margin - trailing 12 month19.70
Free Operating Cash Flow/Revenue, 5 Year Average−105.38
Growth
EPS Change %, TTM over TTM21.08
Revenue growth rate, 5 year22.96
EPS growth rate, 5 year24.24
Revenue Change % - most recent quarter 1 year ago19.34
Growth rate% - dividend, 3 year33.21
Growth rate% - EPS, 3 year23.68
Revenue/share (5 yr growth)22.96
Tangible Book Value, Total Equity, 5 Year CAGR23.57
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year Interim CAGR12.74
Capital Spending growth rate, 5 year41.22
Revenue Change %, TTM over TTM17.66
Growth rate% - Revenue, 3 year29.13
Book value per share growth rate, 5 year23.46
EPS Change % - most recent quarter 1 year ago39.31
Net Profit Margin growth rate, 5 year2.01
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR19.86
Total Debt, 5 Year CAGR26.96
Financial strength
Net Interest coverage - most recent fiscal year1.89
Free Cash Flow - most recent fiscal year−3,05,123.10
LT debt/equity - most recent fiscal year8.63
Payout ratio - trailing 12 month0.91
Current EV/Free Cash Flow, LFY46.63
Total debt/total equity - most recent fiscal year13.66
Net Interest coverage - trailing 12 month1.88
Payout ratio - most recent fiscal year1.00
Returns & efficiency
Return on average equity - 5 year average18.40
Net Income/employee - trailing 12 month11,22,694.00
Revenue/employee - most recent fiscal year76,66,053.00
Return on investment - most recent fiscal year3.72
Return on average assets - most recent fiscal year2.22
Receivables turnover - most recent fiscal year19.94
Revenue/employee - trailing 12 month76,18,911.00
Return on average assets - 5 year average2.36
Net Income/employee - most recent fiscal year10,74,766.00
Asset turnover - most recent fiscal year0.16
Return on average equity - most recent fiscal year17.46
Return on investment - 5 year average4.40
Price & volume
Market Cap26,867.09
52 week Low Date23 Mar 2026
Price - 1 Day % Change0.88
Relative (S&P500) price percent change - 13 week−8.10
Avg trading volume last 10 days0.15
Price - 13 week price percent change−10.68
Price - 52 week price percent change−23.41
Avg Trading Volume Last 3 months3.50
Price - 5 Day % Change−2.64
Price % Change Month To Date−0.88
Relative (S&P500) price percent change - 04 week−2.24
52 week High Date6 Nov 2025
Price - 26 week price percent change5.02
PDATE23 Sep 2026
Price - YTD price percent change−18.78
Relative (S&P500) price percent change - 52 week−15.96
NPRICE1,472.40
Relative (S&P500) price percent change - 26 week5.65
52 week Low1,305.00
52 week High2,064.00
Beta1.27
Relative (S&P500) price percent change - Year to Date−7.50
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
₹1.30
₹1.30
- Dividend yield0.09%
- Payout ratio1.00%
- 5-year average dividend₹0.85 a share
- Latest dividend₹1.30 per share · 7 Aug 2026
Corporate calendar
- MeetingAnnual General Meeting
- BoardQuarterly Results
- Dividend₹1.30 per share · 130% · Final dividend
- BoardAudited Results & Final Dividend
- BoardQuarterly Results
- BoardQuarterly Results
- MeetingAnnual General Meeting
- BoardQuarterly Results
Show 12 older events
- Dividend₹1.30 per share · 130% · Final dividend
- BoardAudited Results & Final Dividend
- BoardQuarterly Results
- BoardQuarterly Results
- MeetingAnnual General Meeting
- Dividend₹0.55 per share · 55% · Final dividend
- MeetingAnnual General Meeting
- Dividend₹0.55 per share · 55% · Final dividend
- MeetingAnnual General Meeting
- Dividend₹0.55 per share · 55% · Final dividend
- MeetingPostal Ballot
- Dividend₹0.55 per share · 55% · Final dividend
About Cholamandalam Financial Holdings
Consumer Financial Services
Cholamandalam Financial Holdings Limited is a core investment company and all the activities of the Company revolve around the main business in India. The Company holds investments in financial services/risk management companies, which include Cholamandalam Investment and Finance Company Limited (CIFCL), Cholamandalam MS General Insurance Company Limited (CMSGICL) and Cholamandalam MS Risk Services Limited (CMSRSL). CIFCL is a non-banking finance company engaged in lending business offering vehicle finance, home loans, loans against property, SME loans, secured business and personal loans, consumer & small enterprises loans and a variety of other financial services to customers. CMSGICL is engaged in the general insurance business offering a range of insurance products that include motor, health, property, accident, engineering, liability, marine, travel and crop insurance for individuals and corporates. CMSRSL offers comprehensive risk management and engineering solutions.
Key people
- Shyam ShankarChief Financial Officer, Manager
- Elanjezhian KrithikaCompliance Officer, Company Secretary
Company facts
- NSE symbolCHOLAHLDNG
- BSE code504973
- ISININE149A01033
- IndustryConsumer Financial Services
- IndexNIFTY 500
- Market cap₹27,219 Cr
- Revenue (FY26)₹39,073 Cr
- Net profit (FY26)₹2,441 Cr
Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →
Frequently Asked Questions
Cholamandalam Financial Holdings (NSE: CHOLAHLDNG) last traded at ₹1,427.00 on the NSE, down 2.48% (₹36.29) on the day, as of 24 Sep 2026, 9:45 AM IST. On the BSE it was ₹1,436.55. The day's range was ₹1,406.50 – ₹1,454.75.
Cholamandalam Financial Holdings's 52-week high is ₹2,061.45 (6 Nov 2025) and its 52-week low is ₹1,305.00 (23 Mar 2026). At ₹1,427.00 the share is 30.8% below its high and 9.3% above its low.
Cholamandalam Financial Holdings's market capitalisation is ₹27,219 Cr (₹27,219 Cr). It is part of the NIFTY 500 index.
Cholamandalam Financial Holdings's P/E ratio (trailing 12 months) is 10.20. The sector average is 23.98, so investors pay 57% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹142.11.
Cholamandalam Financial Holdings shares are down 23.41% over the last year, down 18.78% so far this year, up 5.02% over 6 months, down 10.68% over 3 months. Over the last year the stock did 15.96% worse than the market.
In FY26 (year to Mar 2026), Cholamandalam Financial Holdings reported revenue of ₹39,073 Cr (up 17.95% on the year before) and a net profit of ₹2,441 Cr. Earnings per share were ₹130.01.
Yes. Cholamandalam Financial Holdings's latest dividend is ₹1.30 per share (130%, final dividend), with an ex-date of 7 Aug 2026. The dividend yield is 0.09%. It has paid 6 dividends in the records shown on this page.
As of Jun 2026: Promoter 46.43%, FII 12.87%, MF 24.22%, Other 16.48%. Promoter holding rose by 0.05 percentage points from Mar 2026.
Cholamandalam Financial Holdings's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.
No. Cholamandalam Financial Holdings has debt — its debt-to-equity ratio is 13.66 and total debt was ₹2,11,038 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business; its profit before interest and tax covers the interest on those borrowings 5.41 times.