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Cholamandalam Investment and Finance Company Limited

Q: What is Cholamandalam Investment and Finance Company Limited's Orion Score?

Cholamandalam Investment and Finance Company Limited has an Orion Score of 75/100 (Quality) — a fundamentals-based quality & risk score. Cholamandalam Investment and Finance Company Limited scores 75/100 (Quality) on the Orion Score — strong business quality (90), strong growth (90), moderate balance-sheet safety (61) and rich valuation (29). A fundamentals-based quality & risk score, not a buy/sell recommendation.

CHOLAFIN

NSE· Financial Services

₹1,814.60

+6.80 (+0.38%)

Updated 09:15 am IST

52W Low · ₹1,299.4052W High · ₹1,875.00

Near 52W High

Market Cap

₹154388.49L Cr

Volume

4.83L

Prev Close

₹1,791.90

ISIN

INE121A01024

Orion Score

Fundamentals-based quality & risk · not a recommendation

75/100

Quality

Cholamandalam Investment and Finance Company Limited scores 75/100 (Quality) on the Orion Score — strong business quality (90), strong growth (90), moderate balance-sheet safety (61) and rich valuation (29). A fundamentals-based quality & risk score, not a buy/sell recommendation.

Quality

Growth

Safety

Value

Full Orion analysis

Risk checks

No size, liquidity or track-record concerns
Profitable — 18% return on equity

Forensic accounting

Forensic screens (Piotroski, Altman, Beneish) are built for non-financial companies. Banks & NBFCs are judged on capital adequacy, asset quality & returns instead.

Technical / Momentum

Price Trend

72/100

Strong

Technical momentum companion — separate from the fundamentals-based Orion Score.

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VestAI Stock Score

VALUATION

High Debt

D/E 6.95x — elevated leverage

QUALITY

Average

ROCE 19.3% — decent returns

MOMENTUM

Bullish

RSI 61.6 — strong momentum

Price Chart

SMA 20

SMA 50

SMA 200

Key Fundamentals

Q4 FY2026

P/E Ratio: 28.99
ROCE: 19.33%
ROE (1Y): 19.33%
D/E Ratio: 6.95x
OPM: —
TTM EPS: ₹62.37
Dividend Yield: 8.00%
Qtrly Sales: ₹4,810.52 Cr
Qtrly Profit: ₹1,645.20 Cr

Technical Signals

Quarterly Results

Revenue & Profit in ₹ Crores

Revenue Net Profit

Quarter	Revenue	Net Profit	OPM	EPS
Q4 2026	₹4,810.52	₹1,645.2	—	₹19.28
Q3 2026	₹4,362.94	₹1,289.97	—	₹15.25
Q1 2026	₹3,885.03	₹1,137.83	—	₹13.50
Q4 2025	₹3,772.2	₹1,259.54	—	₹14.94
Q3 2025	₹3,561.67	₹1,088.21	—	₹12.91

Annual P&L

Revenue & Profit in ₹ Crores (Yearly)

Revenue Net Profit

Year	Revenue	Net Profit	EBITDA	OPM
FY 2025	₹13,411.27	₹4,262.72	—	—
FY 2024	₹9,938.87	₹3,420.06	—	—
FY 2023	₹7,145.25	₹2,664.85	—	—
FY 2022	₹5,864.18	₹2,153.51	—	—

Peer Comparison — Financial Services

Top companies in the same sector by market cap

Company	Mkt Cap	P/E	ROCE	ROE	D/E	OPM
CHOLAFIN ★	₹1,54,388 Cr	28.99	19.33%	19.33%	6.95x	—
ICICIBANKICICI Bank Limited	₹9,05,033 Cr	16.89	16.36%	16.36%	—	—
SBINState Bank of	₹9,02,477 Cr	10.73	15.48%	15.48%	—	—
BAJAJHFLBAJAJ HOUSING FINANCE	₹73,351 Cr	28.59	3.22%	12.06%	4.61x	31.70%
ANGELONEAngel One Limited	₹31,612 Cr	34.61	14.23%	15.53%	1.29x	38.76%
CDSLCentral Depository Services	₹29,927 Cr	61.72	25.37%	23.91%	0.00x	37.64%

Balance Sheet

All values in ₹ Crores

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Total Assets	₹2,01,886.76	₹1,56,686.41	₹1,13,626.9	₹82,478.68
Equity	₹23,668.69	₹19,593.24	₹14,346.1	₹11,769
Total Debt	₹1,75,594.72	₹1,34,847.78	₹97,524.39	₹69,283.86
Cash	₹6,521.34	₹2,236.23	₹1,991.61	₹3,861.37
Net Debt	₹1,68,514.66	₹1,32,238.65	₹95,365.89	₹65,312.13
Working Capital	—	—	—	—

Shareholding Pattern

Q1 FY2027

Promoter

49.3%

FII

20.42%

DII

16.71%

Public

13.57%

Quarter-over-Quarter Trend

Quarter	Promoter	FII	DII	Public
Q1 FY2027	49.3% ↓	20.42% ↑	16.71% ↑	13.57% ↓
Q4 FY2026	49.44% ↓	19.39% ↓	15.86% ↓	15.31% ↑
Q3 FY2026	49.72% ↓	26.56% ↓	17.54% ↑	6.16% ↑
Q2 FY2026	49.88% ↓	26.85% ↓	17.27% ↑	6% ↓
Q1 FY2026	49.9% ↓	27.96% ↓	16.05% ↑	6.07% ↓
Q4 FY2025	49.92%	28.23% ↑	15.49% ↓	6.36% ↓
Q3 FY2025	49.93% ↓	27.43% ↑	16.1% ↓	6.56% ↑
Q2 FY2025	50.24%	27.17%	16.58%	6.02%

Corporate Actions

Ex-Date	Action	Details
2026-07-21	DIVIDEND	Dividend - Re 0.70 Per Share
2026-02-05	DIVIDEND	Interim Dividend - Rs 1.30 Per Share

Funds Holding This Stock

277 mutual fund schemes

360 ONE Focused Fund Direct GrowthIIFL

5.04%

₹332 Cr

DSP Banking & Financial Services Fund Direct GrowthDSP

5.02%

₹94 Cr

Axis Focused Direct Plan GrowthAXIS

4.61%

₹492 Cr

Motilal Oswal BSE Financials ex Bank 30 Index Fund Direct GrowthMOTILAL_OSWAL

4.38%

₹1 Cr

Invesco India Focused Fund Direct GrowthINVESCO

4.32%

₹243 Cr

Motilal Oswal Arbitrage Fund Direct GrowthMOTILAL_OSWAL

4.07%

₹109 Cr

DSP Focused Direct Plan GrowthDSP

4.02%

₹100 Cr

Motilal Oswal Financial Services Fund Direct GrowthMOTILAL_OSWAL

4.02%

₹7 Cr

Kotak Nifty Financial Services Ex Bank Index Fund Direct GrowthKOTAK_MAHINDRA

3.86%

₹4 Cr

Invesco India Business Cycle Fund Direct GrowthINVESCO

3.44%

₹41 Cr

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About Cholamandalam Investment and Finance Company Limited (CHOLAFIN) Stock

Cholamandalam Investment and Finance Company Limited is listed on the NSE under the Financial Services sector, Non Banking Financial Company (NBFC) industry. ISIN: INE121A01024. Track live share price, technical analysis, RSI, MACD, PE ratio, and smart money holdings on VestAI — India's AI-powered stock analysis platform.