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Cholamandalam Investment and Finance Company LtdNon Banking Financial Company (NBFC)INE121A01024Consolidated₹1659.05+11.35 (+0.69%)

Valuation

Market Cap₹1.41L Cr

TTM PE22.67x

Forward PE21.50x

PEG2.90

Book Value₹405.02

P/B4.09x

TTM EPS₹73.14

Fwd EPS₹77.13

TTM Revenue₹34.57K Cr

TTM PAT₹6.22K Cr

Last Qtr PAT₹1,630.34 Cr

Profitability

ROE18.02%

ROCE9.66%

TTM NPM18.00%

Curr OPM17.35%

Last OPM18.49%

Curr NPM—

Last NPM—

Curr EPS₹19.09

Last EPS₹19.43

Balance sheet

Equity₹171.57 Cr

Reserve₹34.36K Cr

Total Debt₹214,152.13 Cr

D/E6.20x

Interest %265.86%

Curr Interest₹4,334.43 Cr

Price / range

Close₹1658.00

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+0.48%

1W+7.35%

1M+4.80%

3M-11.39%

6M+1.27%

1Y-5.54%

2Y+32.52%

3Y+46.13%

5Y+1147.55%

Diwali-3.79%

Sector peers — Non Banking Financial Company (NBFC)

Company	Close	Mkt Cap	TTM P/E	ROE
BAJFINANCE	994.00	₹6.19L Cr	28.50	17.91%
SHRIRAMFIN	908.75	₹2.14L Cr	15.65	11.05%
TATACAP	337.75	₹1.43L Cr	24.00	12.64%
CHOLAFIN	1658.00	₹1.41L Cr	22.67	18.02%
MUTHOOTFIN	2709.80	₹1.09L Cr	8.92	28.06%
SBICARD	553.00	₹52.62K Cr	20.18	15.19%
SUNDARMFIN	4002.30	₹44.47K Cr	19.62	15.10%
PIRAMALFIN	1946.20	₹44.12K Cr	23.20	6.17%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	8,503.52+13.8%	8,833.38	8,392.30	7,874.94	7,469.58	30,981.70
Other Income	123.29	99.57	146.27	110.42	120.55	463.10
Total Income	9,366.88+23.4%	8,932.95	8,538.57	7,985.36	7,590.13	31,444.84
Interest	4,329.45	4,003.14	3,749.42	3,643.02	3,515.51	14,374.20
Expenditure	-7,178.59-19.1%	-6,712.46	-6,401.20	-6,252.46	-6,029.38	-24,484.18
PBDT	0	0	0	0	0	0
Depreciation	-79.65	-74.17	-71.03	-73.14	-70.36	-281.32
PBT	2,188.29+40.2%	2,220.49	2,137.37	1,732.90	1,560.75	6,960.66
Tax	-558.22	-566.90	-496.66	-445.24	-405.44	-1,741.07
Equity	171.57	170.59	170.48	168.86	168.35	170.48
OPM	23.36	24.86	25.03	21.70	20.56	22.14
Net Profit	1,630.07+41.1%	1,653.59	1,640.71	1,287.66	1,155.31	5,219.59
NPM	17.40	18.51	19.22	16.13	15.22	16.60
EPS	19.09+39.0%	19.40	19.28	15.26	13.73	61.83

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 18-19	FY 17-18	FY 16-17	FY 15-16
Revenue	30,981.74+20.3%	25,745.57	6,991.97+28.9%	5,425.33+16.4%	4,659.56+11.1%	4,192.47
Other Income	463.10	309.19	0.67	0.44	0.79	1.24
Total Income	31,444.84+20.7%	26,054.76	6,992.64+28.9%	5,425.77+16.4%	4,660.35+11.1%	4,193.71
Expenditure	-24,484.18-20.5%	-20,317.89	-5,169.49-32.8%	-3,892.78-10.7%	-3,516.66-181.1%	-1,250.84
Interest	-14,374.20	-12,484.85	-3,588.74	-2,307.85	0	-2,050.77
PBDT	0	0	0	1,532.99	1,105.58	892.10
Depreciation	-281.32	-242.12	-55.48	-49.68	0	-21.33
PBT	6,960.66+21.3%	5,736.87	1,823.15+22.9%	1,483.31+34.2%	1,105.58+27.0%	870.77
Tax	-1,741.07	-1,478.34	-637	-509.19	-386.84	-302.32
Equity	170.48	168.25	0	156.40	156.34	156.21
OPM (%)	22.14	22.02	26.00	28.26	23.73	70.19
Net Profit	5,219.59+22.6%	4,258.53	1,186.15+21.8%	974.12+35.5%	718.74+26.4%	568.45
NPM (%)	16.60	16.34	17.00	17.96	15.43	13.56
EPS (Rs)	61.83+22.0%	50.67	75.87+21.7%	62.32	0-100.0%	37.50
CEPS	61.68	50.55	75.81	65.46	45.97	37.76

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	9,394.51+25.4%	8,856.29	8,416.71	7,898.21	7,491.38	31,073.10
Other Income	0	100.39	146.83	110.47	122.04	465.63
Total Income	9,394.51+23.4%	8,956.68	8,563.54	8,008.68	7,613.42	31,538.73
Interest	4,334.43	4,007.37	3,753.02	3,645.74	3,517.31	14,384.13
Expenditure	-7,207.46-19.2%	-6,734.61	-6,421.56	-6,273.54	-6,048.77	-24,565.69
PBDT	0	0	0	0	0	0
Depreciation	-83.17	-75.06	-71.64	-73.78	-71.03	-283.89
PBT	2,187.05+39.8%	2,222.07	2,141.98	1,735.14	1,564.65	6,973.04
Tax	-558.04	-567.34	-497.92	-445.77	-406.30	-1,744.16
Equity	171.57	170.59	170.48	168.86	168.35	170.48
OPM	23.28	24.81	25.01	21.67	20.55	22.11
Net Profit	1,630.34+40.6%	1,656.22	1,645.20	1,289.97	1,159.61	5,232.61
NPM	17.35	18.49	19.21	16.11	15.23	16.59
EPS	19.09+38.5%	19.43	19.33	15.29	13.78	61.98

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	31,073.10+20.2%	25,845.98
Other Income	465.63	306.78
Total Income	31,538.73+20.6%	26,152.76
Expenditure	-24,565.69-20.4%	-20,411.31
Interest	-14,384.13	-12,494.53
PBDT	0	0
Depreciation	-283.89	-244.83
PBT	6,973.04+21.5%	5,741.45
Tax	-1,744.16	-1,481.45
Equity	170.48	168.25
OPM (%)	22.11	21.95
Net Profit	5,232.61+22.8%	4,262.70
NPM (%)	16.59	16.30
EPS (Rs)	61.98+22.2%	50.72
CEPS	61.83	50.60

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2026	Final Dividend	0.7	21 Jul 2026
2026	Interim Dividend	1.3	05 Feb 2026
2025	Final Dividend	0.7	24 Jul 2025
2025	Interim Dividend	1.3	07 Feb 2025
2024	Final Dividend	0.7	19 Jul 2024
2024	Interim Dividend	1.3	07 Feb 2024
2023	Final Dividend	0.7	25 Jul 2023
2023	Interim Dividend	1.3	10 Feb 2023
2022	Final Dividend	0.7	21 Jul 2022
2022	Interim Dividend	1.3	10 Feb 2022
2021	Final Dividend	0.7	22 Jul 2021
2021	Interim Dividend	1.3	09 Feb 2021
2020	Interim Dividend	0.7	04 Mar 2020
2020	Interim Dividend	1	23 Dec 2019
2019	Final Dividend	2	22 Jul 2019
2019	Final Dividend	0.4	22 Jul 2019
2019	Interim Dividend	4.5	08 Feb 2019
2018	Final Dividend	2	18 Jul 2018
2018	Interim Dividend	4.5	09 Feb 2018
2017	Final Dividend	2	19 Jul 2017
2017	Interim Dividend	3.5	06 Feb 2017
2016	Final Dividend	2	21 Jul 2016
2016	Interim Dividend	2.5	09 Feb 2016
2015	Final Dividend	1	23 Jul 2015
2015	Interim Dividend	2.5	05 Feb 2015
2014	Final Dividend	1	23 Jul 2014
2014	Interim Dividend	2.5	06 Feb 2014
2013	Final Dividend	1	24 Jul 2013
2013	Interim Dividend	2.5	30 Jan 2013
2012	Final Dividend	1	23 Jul 2012
2012	Interim Dividend	1.5	13 Feb 2012
2011	Final Dividend	1.5	21 Jul 2011
2011	Interim Dividend	1	05 May 2010
2008	Final Dividend	4	23 Jul 2008

Bonus

No bonus history.

Split

Year	Ratio	Ex-Date
2019	Rs.10/- to Rs.2/-	14 Jun 2019

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split