Cholamandalam Investment and Finance Company Limited

CHOLAFIN · NSE

— · —

₹1,849.9

Closing price — 31 Jul 2026

Market cap ₹1,51,692 Cr · EPS ₹63.79

Valuation

Blended fair value using DCF and peer comparison methods.

Intrinsic Value

₹1,008

-45.5% vs ₹1,850

Overvalued

UndervaluedFair valueOvervalued

DCF

—

Peer methods

₹1,008

Intrinsic value

₹1,008

DCF discounts future cash flows to present value. Peer methods compare against sector multiples. Averaging both reduces the limitations of each method alone.

DCF not applicable for financial companies. Intrinsic value based on peer P/B comparison.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Peer comparison

How this company stacks up against sector peers on valuation and quality metrics.

Non-banking financial company · 8 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
Cholamandalam Investment and Finance Company Limited CHOLAFIN · you	₹1.5 L Cr	29.0×	5.0×	64.2×	17.2%	17.1%	33.3%
Sector median	—	26.1×	2.6×	15.5×	11.6%	14.8%	26.8%
Bajaj Finserv BAJAJFINSV	₹2.8 L Cr	28.0×	3.5×	—	12.6%	6.5%	21.6%
Shriram Finance SHRIRAMFIN	₹2.2 L Cr	17.2×	2.6×	—	15.2%	21.0%	16.5%
Jio Financial Services JIOFIN	₹1.5 L Cr	95.2×	1.1×	109.3×	1.2%	56.4%	305.1%
Tata Capital TATACAP	₹1.4 L Cr	27.4×	3.0×	16.5×	10.6%	15.8%	32.0%
Bajaj Holdings & Investment BAJAJHLDNG	₹1.1 L Cr	11.7×	1.6×	11.3×	13.2%	901.0%	32.1%
Aditya Birla Capital ABCAPITAL	₹92,182 Cr	24.7×	2.7×	16.8×	10.9%	8.4%	17.9%
PB Fintech POLICYBZR	₹69,251 Cr	102.7×	9.5×	136.0×	9.2%	9.9%	38.5%
HDB Financial Services HDBFS	₹52,092 Cr	20.3×	2.5×	14.5×	12.3%	13.8%	14.1%

Peer comparison verdict

Cholamandalam is fairly valued relative to sector peers — trading near the sector median on key multiples (P/E ~26.1×, EV/EBITDA ~15.5×). Focus on execution quality and earnings trajectory from here.

Business quality

Valuation

P/E ratio

29.0×

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

17.2%

ROCE

—

ROA

—

Growth

Revenue CAGR (3yr)

—

EPS CAGR (3yr)

—

Efficiency

Asset turnover

—

FCF yield

-20.0%

Dividend yield

—

Liquidity & Solvency

Debt / Equity

6.93×

Debt / EBITDA

—

Interest coverage

10.8×

Current ratio

—

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Is the business financially healthy?

Two structured frameworks that go beyond a single number to assess financial strength.

Altman Z-Score

Predicts likelihood of financial distress. Above 2.99 = safe zone; 1.81–2.99 = grey zone; below 1.81 = distress.

0.56

Distress zone

0 (distress)2.99 (safe)5+

Piotroski F-Score requires two years of audited financial data.
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Calculated from annual report data sourced via BSE/NSE filings. For precise figures refer to BSE/NSE filings.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Income statement data is unavailable for this company.

Cash flow

Where cash comes from and where it goes.

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

Balance sheet data is loading… if this persists, financial data may be temporarily unavailable.

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.