IndiaOne Finance - Company Dashboard

Governance Classic Home

Cholamandalam Investment and Finance Company LtdNon Banking Financial Company (NBFC)INE121A01024Consolidated₹1778.60+17.10 (+0.97%)Jun-26

Valuation

Market Cap₹1.53L Cr

TTM PE26.54x

Forward PE24.98x

PEG2.78

Book Value₹357.25

P/B5.04x

TTM EPS₹67.83

Fwd EPS₹72.07

TTM Revenue₹32.66K Cr

TTM PAT₹5.75K Cr

Last Qtr PAT₹1,656.22 Cr

Profitability

ROE18.88%

ROCE9.91%

TTM NPM17.61%

Curr OPM18.49%

Last OPM19.21%

Curr NPM—

Last NPM—

Curr EPS₹19.43

Last EPS₹19.33

Balance sheet

Equity₹170.48 Cr

Reserve₹30.29K Cr

Total Debt₹197,366.90 Cr

D/E6.48x

Interest %241.96%

Curr Interest₹4,007.37 Cr

Price / range

Close₹1800.00

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+2.01%

1W-3.60%

1M-5.04%

3M+5.30%

6M+16.64%

1Y+13.50%

2Y+13.36%

3Y+50.87%

5Y+1254.40%

Diwali+4.45%

Sector peers — Non Banking Financial Company (NBFC)

Company	Close	Mkt Cap	TTM P/E	ROE
BAJFINANCE	1040.30	₹6.48L Cr	31.85	18.11%
SHRIRAMFIN	1010.00	₹2.38L Cr	18.77	19.08%
CHOLAFIN	1800.00	₹1.53L Cr	26.54	18.88%
TATACAP	351.35	₹1.49L Cr	27.26	11.95%
MUTHOOTFIN	2841.10	₹1.14L Cr	10.03	29.28%
SBICARD	651.15	₹61.96K Cr	27.24	14.47%
HDBFS	698.40	₹57.99K Cr	20.99	13.36%
SUNDARMFIN	4730.60	₹52.56K Cr	23.49	14.90%

Financial Results

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

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	8,039.92+11.0%	8,392.30	7,874.94	7,469.58	7,244.92	30,981.70
Other Income	99.57	146.27	110.42	120.55	85.86	463.10
Total Income	8,932.95+21.9%	8,538.57	7,985.36	7,590.13	7,330.78	31,444.84
Interest	4,003.14	3,749.42	3,643.02	3,515.51	3,466.25	14,374.20
Expenditure	-6,712.46-15.7%	-6,401.20	-6,252.46	-6,029.38	-5,801.14	-24,484.18
PBDT	0	0	0	0	0	0
Depreciation	-74.17	-71.03	-73.14	-70.36	-66.79	-281.32
PBT	2,220.49+45.2%	2,137.37	1,732.90	1,560.75	1,529.64	6,960.66
Tax	-566.90	-496.66	-445.24	-405.44	-393.73	-1,741.07
Equity	170.59	170.48	168.86	168.35	168.30	170.48
OPM	24.86	25.03	21.70	20.56	20.87	22.14
Net Profit	1,653.59+45.6%	1,640.71	1,287.66	1,155.31	1,135.91	5,219.59
NPM	18.51	19.22	16.13	15.22	15.50	16.60
EPS	19.40+43.6%	19.28	15.26	13.73	13.51	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	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	8,856.29+21.9%	8,416.71	7,898.21	7,491.38	7,266.80	31,073.10
Other Income	100.39	146.83	110.47	122.04	86.29	465.63
Total Income	8,956.68+21.8%	8,563.54	8,008.68	7,613.42	7,353.09	31,538.73
Interest	4,007.37	3,753.02	3,645.74	3,517.31	3,468.06	14,384.13
Expenditure	-6,734.61-15.7%	-6,421.56	-6,273.54	-6,048.77	-5,821.82	-24,565.69
PBDT	0	0	0	0	0	0
Depreciation	-75.06	-71.64	-73.78	-71.03	-67.44	-283.89
PBT	2,222.07+45.1%	2,141.98	1,735.14	1,564.65	1,531.27	6,973.04
Tax	-567.34	-497.92	-445.77	-406.30	-394.17	-1,744.16
Equity	170.59	170.48	168.86	168.35	168.30	170.48
OPM	24.81	25.01	21.67	20.55	20.82	22.11
Net Profit	1,656.22+45.6%	1,645.20	1,289.97	1,159.61	1,137.83	5,232.61
NPM	18.49	19.21	16.11	15.23	15.47	16.59
EPS	19.43+43.6%	19.33	15.29	13.78	13.53	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