High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Growth: Awesome revenue growth! Revenue grew 18.6% over last year and 115.9% in last three years on TTM basis.
Profitability: Recent profitability of 14% is a good sign.
Size: Market Cap wise it is among the top 20% companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Past Returns: Outperforming stock! In past three years, the stock has provided 23.8% return compared to 8.8% by NIFTY 50.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
No major cons observed.
Valuation | |
|---|---|
| Market Cap | 30.95 kCr |
| Price/Earnings (Trailing) | 12.68 |
| Price/Sales (Trailing) | 0.78 |
| EV/EBITDA | 1.02 |
| Price/Free Cashflow | -1.02 |
| MarketCap/EBT | 4.22 |
| Enterprise Value | 22.47 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 39.68 kCr |
| Rev. Growth (Yr) | 17.6% |
| Earnings (TTM) | 5.49 kCr |
| Earnings Growth (Yr) | 19.3% |
Profitability | |
|---|---|
| Operating Margin | 18% |
| EBT Margin | 18% |
| Return on Equity | 16.19% |
| Return on Assets | 2.04% |
| Free Cashflow Yield | -98.21% |
Growth & Returns | |
|---|---|
| Price Change 1W | 4% |
| Price Change 1M | 1.4% |
| Price Change 6M | -11.3% |
| Price Change 1Y | -19.4% |
| 3Y Cumulative Return | 23.8% |
| 5Y Cumulative Return | 21.1% |
| 7Y Cumulative Return | 19.6% |
| 10Y Cumulative Return | 18.7% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -2.53 kCr |
| Cash Flow from Operations (TTM) | -30.03 kCr |
| Cash Flow from Financing (TTM) | 35.65 kCr |
| Cash & Equivalents | 8.48 kCr |
| Free Cash Flow (TTM) | -30.39 kCr |
| Free Cash Flow/Share (TTM) | -1.62 K |
Balance Sheet | |
|---|---|
| Total Assets | 2.68 LCr |
| Total Liabilities | 2.34 LCr |
| Shareholder Equity | 33.88 kCr |
| Net PPE | 2.05 kCr |
| Inventory | 0.00 |
| Goodwill | 42.72 Cr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.49 |
| Interest/Cashflow Ops | -1.09 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 1.3 |
| Dividend Yield | 0.07% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Growth: Awesome revenue growth! Revenue grew 18.6% over last year and 115.9% in last three years on TTM basis.
Profitability: Recent profitability of 14% is a good sign.
Size: Market Cap wise it is among the top 20% companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Past Returns: Outperforming stock! In past three years, the stock has provided 23.8% return compared to 8.8% by NIFTY 50.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 0.07% |
| Dividend/Share (TTM) | 1.3 |
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 130 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 77.13 |
| RSI (5d) | 83.84 |
| RSI (21d) | 51.94 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Sell |
| SharesGuru Signal | Buy |
| RSI Signal | Sell |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of CHOLAMANDALAM FINANCIAL HOLDINGS's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Cholamandalam Financial Holdings Limited's management provided an optimistic outlook during the Q4 FY26 earnings call, emphasizing their growth strategies and financial expectations. The following key points were highlighted:
Growth in GDPI: The company reported a Gross Direct Premium Income (GDPI) of INR 2,048 crores for Q4 FY26 and INR 7,762 crores for the year, despite a notable loss in crop insurance business amounting to INR 590 crores for the year, attributed to a tender re-bidding impact.
Strategic Focus on Non-Crop Business: Management is optimistic about recovering lost market share in the crop insurance sector and expects to grow the direct business in crop insurance with government guidelines anticipated soon.
Motor Business Performance: In the motor insurance segment, the company holds a market share of 5.25%, with 49% from cars, 40% from commercial vehicles (CVs), and 10.5% from two-wheelers. The focus will be on improving performance in motor OD (Own Damage) while being cautious in the two-wheeler segment due to ongoing pricing pressures in third-party insurance.
Claims and Combined Ratio: The claims ratio was reported at 81.3%, leading to a combined ratio of 115.2%. Management noted that they are taking a conservative approach regarding motor third-party loss provisioning due to increased court awards and claims severity.
Return on Equity (ROE): The company is targeting a return on equity of over 15% in the medium to long-term, with improvements expected as pricing corrections in the motor segment take effect.
Insurance Accounting Transition: The management mentioned that they will seek forbearance for transitioning to Indian Accounting Standards (Ind AS) effective April 1, 2027. They expect a significant drop in the combined ratio during the year of adoption which would stabilize over time.
Expense Control: The operating expense ratio is maintained among the top three in the industry, with an expectation of continued efficiency in operations.
Overall, management appears committed to rebuilding growth, improving profitability, and navigating regulatory changes, particularly in the context of impending transitions to IFRS accounting.
Here are the major questions from the Q&A section of the earnings call transcript and their respective detailed answers:
Question 1: "Given we are EOM compliant, will the approach to the business going ahead be a little different? Which lines will you try to recover back market share to deliver growth in the next year?"
Answer: Thank you for your question. The loss of crop insurance business impacted us significantly, but we're set to participate in the upcoming tenders. We aim to regain that business and expand our direct crop offerings. While we are reducing focus on 2-wheelers, we're continuing to grow steadily in both the car and commercial vehicle segments. Our market share remains at 5.25%, and we'll pursue growth in both motor and commercial spaces aggressively.
Question 2: "If we choose not to scale up the 2-wheeler business, where will the improvement in ROE come from?"
Answer: Our current claims ratio has indeed been unfavorable, particularly in motor OD. While we prudently reserve for third-party claims, the OD segment has seen substantial loss ratios. We've initiated corrective actions, and we've already observed a 7-8% rise in pricing. This improvement should help stabilize our combined ratio and allow us to target a return on equity approaching 15% over time.
Question 3: "How should we view the expense ratio going forward? Will it remain stable or decline?"
Answer: The expense ratio should stabilize around 30%, as the regulatory glide path has concluded. We've implemented significant operational efficiencies, keeping us among the top three players in operating expenses. Any changes the regulator introduces could positively impact our costs, benefiting our operations in the coming years.
Question 4: "How should we read the solvency ratios? How will we improve those levels going forward?"
Answer: Our solvency ratio decreased due to higher claims growth this year, pulling down premium growth. However, as we improve our claims ratio and retain earnings, the solvency level should improve. We are committed to reinvesting profits back into the business to support growth and ensure the solvency ratio climbs back to more favorable levels.
Question 5: "Could you provide guidance on the combined ratio?"
Answer: We typically refrain from giving specific forward-looking guidance on the combined ratio. However, our goal remains to achieve a 15%+ return on equity in the medium- to long-term. We'll actively manage factors such as float income and strive for effective combined ratio management, assessing impacts from regulators on intermediation costs as they develop.
These responses encapsulate the questions and comprehensive answers presented by the management during the call.
Analysis of CHOLAMANDALAM FINANCIAL HOLDINGS's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Mar 31, 2026
| Description | Share | Value |
|---|---|---|
| Financing | 80.4% | 8.4 kCr |
| Insurance | 19.6% | 2.1 kCr |
| Total | 10.5 kCr |
Understand CHOLAMANDALAM FINANCIAL HOLDINGS ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| AMBADI INVESTMENTS LIMITED | 37.69% |
| NIPPON LIFE INDIA TRUSTEE LTD- A/C NIPPON INDIA GR | 4.79% |
| SBI NIFTY SMALLCAP 250 INDEX FUND | 3.82% |
| AXIS MUTUAL FUND TRUSTEE LIMITED A/C AXIS MUTUAL F | 2.39% |
| BANDHAN BALANCED ADVANTAGE FUND | 2.33% |
| HDFC LARGE AND MID CAP FUND | 2.03% |
| INVESCO INDIA MIDCAP FUND | 1.18% |
| CANARA ROBECO MUTUAL FUND - CANARA ROBECO BANKING | 1.15% |
| LAKSHMI RAMASWAMY FAMILY TRUST(AA ALAGAMMAI & LAKSHMI RAMASWAMY HOLDS SHARES ON BEHALF OF TRUST) | 0.4% |
| V ARUNACHALAM | 0.4% |
| ARUN ALAGAPPAN | 0.39% |
| V NARAYANAN | 0.37% |
| Shambho Trust (M V Subbiah & S Vellayan are trustees of the trust) | 0.29% |
| LAKSHMI CHOCKA LINGAM | 0.29% |
| M A MURUGAPPAN HOLDINGS LLP | 0.29% |
| M A ALAGAPPAN HOLDINGS PRIVATE LIMITED | 0.28% |
| Meenakshi Murugappan Family Trust (M M Murugappan & Meenakshi Murugappan are trustees of the trust) | 0.27% |
| Saraswathi Trust (M V Subbiah, S Vellayan & M V Seetha Subbiah are trustees of the trust) | 0.27% |
| MM VEERAPPAN FAMILY TRUST(MM MURUGAPPAN & MEENAKSHI MURUGAPPAN HOLDS SHARES ON BEHALF OF THE TRUST) | 0.25% |
| M M MUTHIAH FAMILY TRUST (M M MURUGAPPAN & M M MUTHIAH HOLDS SHARES ON BEHALF OF THE TRUST) | 0.25% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of CHOLAMANDALAM FINANCIAL HOLDINGS against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 5.98 LCr | 82.53 kCr | +5.10% | +8.00% | 31.42 | 7.25 | - | - |
| SHRIRAMFIN | Shriram Finance | 2.36 LCr | 48.19 kCr | +5.80% | +50.60% | 18.8 | 4.89 | - | - |
| SUNDARMFIN | SUNDARAM FINANCE | 49.72 kCr | 9.87 kCr | +4.90% | -6.10% | 23.96 | 5.04 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 40.88 kCr | 21.09 kCr | +0.80% | +15.60% | 14.14 | 1.94 | - | - |
Comprehensive comparison against sector averages
CHOLAHLDNG metrics compared to Finance
| Category | CHOLAHLDNG | Finance |
|---|---|---|
| PE | 12.68 | 18.57 |
| PS | 0.78 | 1.85 |
| Growth | 18.6 % | 18.5 % |
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home, and small and medium-sized enterprise loans, as well as secured, business and personal, and consumer and small enterprise loans; and general insurance services. Cholamandalam Financial Holdings Limited was formerly known as TI Financial Holdings Limited. The company was incorporated in 1949 and is based in Chennai, India.
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CHOLAHLDNG vs Finance (2021 - 2026)