Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

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.

Revenue projections:

Revenue projections for CHOLAHLDNG
Revenue projections for CHOLAHLDNG

With Cholamandalam Financial Holdings Limited's revenue expected to be lower than the previous year, investors may become cautious. Declining revenues often negatively impact the bottom line, reducing profitability and raising concerns among investors about the company's ability to maintain strong financial performance moving forward.

Financial Ratios:

currentRatio 64.212000
forwardPE 9.953988
debtToEquity 635.380000
earningsGrowth 0.046000
revenueGrowth 0.168000
grossMargins 0.742970
operatingMargins 0.286600
trailingEps 118.600000
forwardEps 163.000000

With a current ratio 64.212, Cholamandalam Financial Holdings Limited demonstrates the ability to service its short-term debt without difficulty. The company's strong cash reserves and current assets ensure that it can meet its liabilities, reflecting financial stability and healthy liquidity.
Cholamandalam Financial Holdings Limited's elevated debt-to-equity ratio highlights its heavy reliance on debt. This high leverage increases the company's exposure to financial risk, making it more vulnerable to market fluctuations and economic downturns.
Positive gross and operating margins for CHOLAHLDNG suggest that the company is operating profitably. These margins highlight CHOLAHLDNG's efficiency in managing costs while maintaining healthy revenue streams, contributing to its overall financial strength.
CHOLAHLDNG's forward EPS surpassing its trailing EPS signals that the company is anticipated to be more profitable this year than last. This growth expectation highlights CHOLAHLDNG's potential for increased earnings and a stronger financial performance in the upcoming year.

Price projections:

Price projections for CHOLAHLDNG
Price projections for CHOLAHLDNG

Cholamandalam Financial Holdings Limited's price has consistently remained near the lower edge of projections, suggesting that it is not fully meeting market expectations. This could indicate a need for improved performance or strategies to boost investor confidence.

Recommendation changes over time:

Recommendations trend for CHOLAHLDNG
Recommendations trend for CHOLAHLDNG


The recent buy bias from analysts suggests CHOLAHLDNG is seen as a strong investment, encouraging more investors to consider it. With this favorable sentiment, CHOLAHLDNG appears to be a reliable option for parking money, offering stability and long-term growth potential in the stock market.