Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers portfolio management services, such as investment solutions to individual clients; stock broking services to retail and institutional investors; and distributes insurance products and mutual funds. Further, the company provides dealer portal services under the Gaadi Bazaar brand, that acts as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omni channel payment transaction solution that lets business owners accept payments from their customers in-store, at home deliveries, online and on-the-go using mPOS and POS solutions. The company was incorporated in 1978 and is based in Chennai, India.

Revenue projections:

Revenue projections for CHOLAFIN
Revenue projections for CHOLAFIN

Investors may react cautiously to news that Cholamandalam Investment and Finance Company Limited's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 19.124792
debtToEquity 743.089000
earningsGrowth 0.200000
revenueGrowth 0.198000
grossMargins 0.999090
operatingMargins 0.525050
trailingEps 52.870000
forwardEps 0.000000

Cholamandalam Investment and Finance Company Limited's Forward PE is positioned well, reflecting a favorable balance between stock price and earnings. The stock isn't overpriced, offering room for growth and making it a potentially rewarding investment as its value has room to rise further.
CHOLAFIN's high debt-to-equity ratio indicates a high level of leverage, meaning the company relies significantly on debt for financing. This can increase financial risk, particularly in times of economic instability or reduced profitability.
CHOLAFIN's positive earnings and revenue growth signal that the company is expected to expand its business. This healthy financial trend reflects an optimistic outlook, suggesting continued growth in both sales and profits for CHOLAFIN.
CHOLAFIN's positive gross and operating margins indicate healthy profitability. These margins reflect the company's ability to generate income efficiently from its operations, signaling strong financial performance and effective cost management.

Price projections:

Price projections for CHOLAFIN
Price projections for CHOLAFIN

Cholamandalam Investment and Finance Company Limited's stock price has consistently been near the lower edge of expected values, indicating potential struggles in meeting growth projections. This trend may reflect a cautious market sentiment toward the company.

Recommendation changes over time:

Recommendations trend for CHOLAFIN
Recommendations trend for CHOLAFIN


A recent buy bias from analysts toward CHOLAFIN indicates strong confidence in the stock's future performance. This could encourage investors to park their money in CHOLAFIN, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.