Stock CHOLAFIN CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED
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Financials Cholamandalam Investment and Finance Company Limited NSE India S.E.

Equities

CHOLAFIN

INE121A01016

Consumer Lending

Delayed NSE India S.E.
Other stock markets
 07:27:50 2021-10-05 am EDT 		5-day change 1st Jan Change
558.8 INR -0.99% Intraday chart for Cholamandalam Investment and Finance Company Limited -1.36% +45.58%
Mar. 21 Cholamandalam Investment and Finance Company Limited Approves Retirement of Rohan Verma as Non Executive Independent Director, Effective March 24, 2024 CI
Mar. 14 Jefferies Adjusts Cholamandalam Investment’s Price Target to INR1,400 From INR1,500, Keeps at Buy MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 226,329 121,035 458,236 589,754 626,066 984,696 - -
Enterprise Value (EV) 1 226,329 121,035 458,236 589,754 626,066 2,237,182 2,544,971 2,894,974
P/E ratio 19.1 x 9.96 x 30.3 x 27.5 x 23.5 x 29.5 x 22.7 x 18.3 x
Yield 0.59% 1.11% 0.36% 0.28% - 0.24% 0.29% 0.35%
Capitalization / Revenue 6.65 x 2.98 x 9.27 x 10.1 x 8.66 x 10 x 7.8 x 6.34 x
EV / Revenue 6.65 x 2.98 x 9.27 x 10.1 x 8.66 x 22.8 x 20.1 x 18.6 x
EV / EBITDA 10.3 x 4.67 x - 21.1 x 18.5 x 52.6 x 47.7 x 43.6 x
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 3.67 x 1.47 x 4.79 x 5.04 x - 5.08 x 4.22 x 3.45 x
Nbr of stocks (in thousands) 781,793 791,337 820,035 821,041 822,040 840,041 - -
Reference price 2 289.5 153.0 558.8 718.3 761.6 1,172 1,172 1,172
Announcement Date 5/6/19 6/3/20 5/7/21 5/5/22 5/3/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 34,032 40,604 49,437 58,400 72,292 98,275 126,316 155,325
EBITDA 1 21,898 25,906 - 28,005 33,788 42,562 53,353 66,416
EBIT 1 21,344 24,831 33,603 37,712 12,731 59,435 77,645 96,335
Operating Margin 62.72% 61.15% 67.97% 64.58% 17.61% 60.48% 61.47% 62.02%
Earnings before Tax (EBT) 1 18,232 15,857 20,384 28,909 35,997 44,700 58,095 72,400
Net income 1 11,862 10,524 15,149 21,467 26,662 33,354 43,603 54,348
Net margin 34.85% 25.92% 30.64% 36.76% 36.88% 33.94% 34.52% 34.99%
EPS 2 15.16 15.35 18.45 26.11 32.40 39.76 51.54 64.12
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.700 1.700 2.000 2.000 - 2.789 3.419 4.123
Announcement Date 5/6/19 6/3/20 5/7/21 5/5/22 5/3/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 13,632 13,929 14,842 15,606 16,401 16,974 18,317 20,601 21,265 23,667 25,207 27,601
EBITDA - - - - - - - - - - - -
EBIT 1 9,926 8,750 9,525 9,120 10,604 10,362 10,797 12,731 13,399 15,910 15,157 16,458
Operating Margin 72.82% 62.82% 64.18% 58.44% 64.65% 61.05% 58.94% 61.8% 63.01% 67.22% 60.13% 59.63%
Earnings before Tax (EBT) 1 4,407 8,165 7,043 9,294 7,617 7,581 9,208 11,591 9,675 10,208 11,569 13,127
Net income 1 3,268 6,065 5,238 6,896 5,657 5,634 6,843 8,528 7,260 7,625 8,762 9,558
Net margin 23.97% 43.55% 35.29% 44.19% 34.49% 33.19% 37.36% 41.4% 34.14% 32.22% 34.76% 34.63%
EPS 2 3.980 7.380 6.370 8.380 6.880 6.850 8.310 10.36 8.810 9.250 10.42 11.48
Dividend per Share - - - - - - - - - - - -
Announcement Date 7/30/21 10/29/21 2/1/22 5/5/22 7/29/22 11/1/22 1/31/23 5/3/23 8/1/23 11/2/23 1/25/24 -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - 1,252,486 1,560,275 1,910,278
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - 29.43 x 29.24 x 28.76 x
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 21% 14.7% 16.9% 20.2% - 19.6% 20.1% 20.3%
ROA (Net income/ Total Assets) 2.34% 1.73% 2.19% 2.74% - 2.49% 2.54% 2.57%
Assets 1 507,552 607,253 692,752 784,559 - 1,340,743 1,714,896 2,112,724
Book Value Per Share 2 78.90 104.0 117.0 143.0 - 231.0 278.0 340.0
Cash Flow per Share - - -108.0 -68.20 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/6/19 6/3/20 5/7/21 5/5/22 5/3/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Cholamandalam Investment and Finance Company Limited

Trading Rating
Investor Rating
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EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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