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Every ratio from the Fundamental Analysis track, computed on a real company and annotated with what the number actually means. Then the three financial statements, so you can do the cash-flow check yourself.
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 vehicle, two- and three- wheelers, and tractors and farm equipment, 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 professionals, and proprietorship, partnership, and private limited companies. In addition, it offers gold loans, consumer durable loans, corporate insurance agencies, stockbroking and depository participants, offline payment aggregator, home extension, balance transfer of existing loans, supply chain finance, and secured term loans. Further, the company provides dealer platform services under the Gaadi Bazaar brand, which integrates vehicle trading, auctions, and trade advances. Additionally, it operates Payswiff, an omnichannel 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.
How the price compares to earnings, assets and cash generation.
You are paying 23.9 years of current profit for each share. The earnings yield is 4.2%. The tracked Banking & Finance median is 20.4× (n=15), so this trades richer than its peers.
The market values the company at 4.4× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
Not available.
Pays 0.12% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Based on the next-year earnings estimate — 16.1× against 23.9× trailing. A forward P/E well below trailing is pricing in an earnings jump; treat the forecast with caution.
You pay 9.6× annual sales. Useful when earnings are depressed or negative and P/E breaks down — but a high multiple needs high margins to justify it.
Returns on capital and margins, the numerical shadow of a moat.
Not available.
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Keeps ₹56.6 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Keeps ₹99.9 of gross profit per ₹100 of sales, before operating costs. A high, stable gross margin is the clearest single sign of pricing power.
Leverage and liquidity. This is where fragility shows up first.
Lenders have put in 6.95× as much as the owners. Interest is owed whether or not customers show up. Note that banks and NBFCs are structurally leveraged and this rule does not apply to them.
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Against cash of ₹10015.91 Cr. Net debt is what matters, not gross borrowings.
Not available.
Revenue and earnings momentum, and how the two compare.
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
Profits are growing faster than sales — margins are expanding, which is the sign of genuine operating leverage.
EBITDA of — and operating cash flow of —.
Not available.
The figures quoted per share, and how much profit is handed back to owners.
₹66.04 of profit earned per share over the last twelve months. Price divided by this is the trailing P/E.
The accounting net worth behind each share is ₹357.48; price-to-book compares the market price with this.
Pays out 3% of profit as dividends and retains the rest. Above roughly 85% leaves little to reinvest and is hard to sustain through a weak year.
Market cap plus net debt — closer to what an acquirer actually pays. Against a market cap of ₹1,35,487 Cr.
Nine yes/no tests of profitability, funding and efficiency across the last two years; higher is stronger. A test is dropped only where the data is missing, so the score is out of 7.
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹16752.35 Cr | ₹13411.07 Cr | ₹9938.87 Cr | ₹7145.25 Cr |
| Cost of revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating expenses | ₹6651.06 Cr | ₹5426.95 Cr | ₹4269.18 Cr | ₹2860.68 Cr |
| Operating income | — | — | — | — |
| Interest expense | ₹14364.30 Cr | ₹12475.24 Cr | ₹9213.34 Cr | ₹5733.32 Cr |
| Pre-tax income | ₹6973.04 Cr | ₹5741.45 Cr | ₹4605.31 Cr | ₹3614.59 Cr |
| Tax | ₹1744.16 Cr | ₹1481.45 Cr | ₹1194.57 Cr | ₹937.92 Cr |
| Net profit | ₹5232.61 Cr | ₹4262.70 Cr | ₹3420.06 Cr | ₹2664.85 Cr |