Fundamentals scanner
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 Finance
Financial ServicesBullish- Market cap
- ₹1,61,794 Cr
- P/E
- 28.0x
- ROE
- —
- Debt / equity
- 6.95
What the company does
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.
Valuation — what you are paying
How the price compares to earnings, assets and cash generation.
- P/E (trailing)28.0xFair
You are paying 28.0 years of current profit for each share. The earnings yield is 3.6%.
- P/B (price to book)5.3xFair
The market values the company at 5.3× its accounting net worth. High is normal for asset-light businesses and unusual for banks.
- EV / EBITDA—No data
Not available.
- Dividend yield0.07%Weak
Pays 0.07% of the current price out each year. Remember that yield rises when price falls — check the dividend is covered by cash flow.
Profitability — is this a good business?
Returns on capital and margins, the numerical shadow of a moat.
- Return on equity—No data
Not available.
- Return on assets—No data
Not available.
- Operating margin56.6%Strong
Keeps ₹56.6 of operating profit from every ₹100 of sales. Compare only against companies in the same industry.
- Net margin40.5%Strong
Sustained high net margins are evidence that something is stopping competitors from competing the profits away.
Financial strength — can it survive a bad year?
Leverage and liquidity. This is where fragility shows up first.
- Debt to equity6.95Weak
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.
- Current ratio—No data
Not available.
- Total debt₹2,11,772 CrNo data
Against cash of ₹10015.91 Cr. Net debt is what matters, not gross borrowings.
- Free cash flow—No data
Not available.
Growth — is it getting bigger?
Revenue and earnings momentum, and how the two compare.
- Revenue growth (yoy)+34.6%Strong
Ask where the growth came from: more volume, higher prices, or an acquisition. They are very different in quality.
- Earnings growth (yoy)+43.7%Strong
Profits are growing faster than sales — margins are expanding, which is the sign of genuine operating leverage.
- Revenue (TTM)₹14182.96 CrNo data
EBITDA of — and operating cash flow of —.
- PEG ratio—No data
Not available.
Financial statements
Reported figures, most recent year first. All values in rupees.
| FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|
| Revenue | ₹17154.60 Cr | ₹13658.23 Cr | ₹10189.12 Cr | ₹7357.56 Cr |
| Cost of revenue | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Gross profit | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating expenses | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Operating income | — | — | — | — |
| Interest expense | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax | ₹0.00 | ₹0.00 | ₹0.00 | ₹0.00 |
| Net profit | ₹5232.61 Cr | ₹4262.70 Cr | ₹3420.06 Cr | ₹2664.85 Cr |