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Fincash » Search » Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment Finance Company Ltd

Updated on July 10, 2019

Stock/Share Code - CHOLAFIN

Cholamandalam Investment & Fin. Co. is one of the premier diversified non-banking finance companies in India, engaged in providing vehicle finance, home loans and corporate mortgage loans. The Company through its subsidiaries, is also engaged in the business of broking, distribution of financial products and freight data solutions.

Below is the details of CHOLAFIN Cholamandalam Investment Finance Company Ltd

Market Cap₹23,965 Cr.
Current Price ₹277.05 as on 16 Jul 19
52 Week High / Low Price₹1,650 / ₹1,038
Face Value₹10
Stock P/E20.20
Book Value₹394.97
Dividend Yield0.42 %
ROCE11.59 %
ROE20.65 %
Sales Growth (3yrs)13.71 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has good consistent profit growth of 26.02% over 5 years
Cons: Stock is trading at 3.88 times its book value Company has low interest coverage ratio.

Cholamandalam Investment Finance Company Ltd Price Chart

Cholamandalam Investment Finance Company Ltd Price Chart

Cholamandalam Investment Finance Company Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Fin. ₹2,732.45 51.68 ₹201,055.12 Cr. 0.11 ₹1,113.59 Cr. 49.92 42.83 4886.54 12.74
2. Bajaj Finserv ₹2,732.45 40.48 ₹130,299.85 Cr. 0.02 ₹838.74 Cr. 31.66 43.50 12994.14 14.64
3. Bajaj Holdings ₹2,732.45 12.76 ₹38,911.44 Cr. 1.14 ₹791.44 Cr. 11.13 -21.46 83.02 4.54
4. HDFC AMC ₹2,277.55 40.49 ₹37,677.79 Cr. 0.89 ₹276.17 Cr. 60.70 3.80 486.50 59.31
5. L&T Fin.Holdings ₹120.75 12.01 ₹26,803.76 Cr. 0.74 ₹552.12 Cr. 105.64 20.57 3304.23 9.19
6. Shriram Trans. ₹9.5 10.30 ₹26,415.64 Cr. 0.94 ₹746.04 Cr. -14.51 9.20 3871.27 10.90
7. Muthoot Finance ₹631.75 13.22 ₹26,071.03 Cr. 1.53 ₹511.5 Cr. 0.63 14.10 1879.72 16.65
8. Cholaman.Inv.&Fn 20.20 ₹23,965.16 Cr. 0.42 ₹291.86 Cr. 2.31 29.50 1885.08 11.59

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Cholamandalam Investment Finance Company Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue1,1081,1621,1761,2131,2961,3501,3891,4561,6201,6721,8261,885
Interest548569566548633656673713802861951986
Expenses299321349317330372365299367338397423
Employee Cost %6.48%9.42%8.5%10.01%9%9.71%9.59%10.7%8.72%8.03%7.76%9.2%
Financing Profit261272261349334322351444451472478476
Financing Margin %24%23%22%29%26%24%25%31%28%28%26%25%
Other Income000000000000
Depreciation7910111012131513131515
Profit before tax254263251338324310338429439460464461
Tax %35%35%35%35%35%34%35%34%35%34%34%37%
Net Profit166171163220210204219285285305304292
Gross NPA %3.60%3.50%3.80%4.70%4.73%4.50%3.70%2.90%2.99%2.80%2.70%0.00%
Net NPA %2.10%2.00%1.60%3.20%3.17%2.90%2.30%1.70%1.71%1.60%1.50%0.00%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue4078911,1159301,1881,7662,5543,2623,6904,1924,6605,4257,003
Interest1893785945045689881,4111,7711,9602,0512,2312,3083,600
Expenses1764084834205124986749181,0441,2501,2861,5851,525
Manufacturing Cost %14.64%14.67%7.51%6.49%7.5%7.42%7.08%0.18%0.22%0.22%0.24%0.24%%
Employee Cost %9%8.27%7.44%8.18%7.55%6.25%5.99%5.75%6.01%6.06%8.64%9.73%%
Other Cost %19.58%22.87%28.38%30.57%28.07%14.5%13.3%22.22%22.06%23.55%18.71%19.24%%
Financing Profit421053851072814705736868911,1431,5331,878
Financing Margin %10%12%3%1%9%16%18%18%19%21%25%28%27%
Other Income102-1411181101101
Depreciation61620159920242921385055
Profit before tax479117311002904515506578711,1061,4831,823
Tax %34%35%-150%51%38%41%32%34%34%35%35%34%
Net Profit31594315621733073644355687199741,186
EPS in Rs6.8210.686.431.604.9312.6320.8725.4129.3335.3145.2660.96
Dividend Payout %49%35%0%43%29%19%16%14%12%12%12%10%

Compounded Sales Growth

  • 10 Years:: 19.80%
  • 5 Years:: 16.26%
  • 3 Years:: 13.71%
  • TTM:: 27.52%

Compounded Profit Growth

  • 10 Years:: 32.33%
  • 5 Years:: 26.02%
  • 3 Years:: 30.78%
  • TTM:: 29.17%

Return on Equity

  • 10 Years:: 16.52%
  • 5 Years:: 18.04%
  • 3 Years:: 18.69%
  • Last Year:: 20.65%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital3852366366119133143143644156156156156
Preference Capital003003000000500000
Equity Capital38.0152.2466.4766.47119.35132.62143.17143.26143.73156.21156.34156.4156.42
Reserves2885064154199531,2851,8222,1512,5293,5014,1284,9946,019
Borrowings3,2195,3985,3915,3947,94911,44415,28918,09319,47522,57624,10931,90232,124
Other Liabilities3084051,0711,0736715899531,1801,7461,6722,2142,46219,127
Trade Payables20.8528.8426.7881.9755.6799.33143.88124.56150.71196.39275.13360.62336.36
Total Liabilities3,8536,3616,9436,9519,69213,45118,20721,56823,89427,90630,60839,51557,426
Fixed Assets334834143353717368111140161176
Gross Block48.9178.876.7664.170.1698.4135.48159.53177.2231.64296.5361.73
Accumulated Depreciation15.9731.2142.9250.3536.9945.2364.8386.64108.87120.32156.42200.93
CWIP1100000000000
Investments79174405219686222582676723931973
Other Assets3,7416,1396,5046,7189,59113,33617,91121,41323,75827,72830,23039,03557,178
Inventories1592.161966.61982.73083.8000000000
Trade receivables57.28102.41227.46363.230000000043.49
Cash Equivalents271.62533.671557.82745.13168.78258.4388.97800.84340.66490.47470.64392.513674.85
Loans n Advances1815.683528.162736.1125263562.154324.845537.276577.317281.738534.159176.3211946.6952635.98
Total Assets3,8536,3616,9436,9519,69213,45118,20721,56823,89427,90630,60839,51557,426

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity-1,278-2,001848-1,071-3,249-3,572-3,759-2,451-2,271-2,814-1,491-7,596
Profit from operations251.23523.58779.51531.62806.681308.551958.112548.792890.253332.13627.834123.94
Working Capital Changes-1366.71-2163.89689.2-1008.02-3472-3920.48-4291.68-3173.46-3032.35-3765.88-2746.97-8982.11
Taxes paid-162.9-360.43-620.77-594.95-583.48-960.48-1425.64-1826.29-2128.82-2379.87-2371.98-2738.04
Cash from Investing Activity-201-259-549519208-6-8-80-40-147-202-79
Fixed Assets Purchased-18.42-32.64-12.63-4.63-35.35-30.93-35.64-26.53-30.9-75.42-56.51-71.18
Fixed Assets Sold31.570.529.9616.890.230.120.350.791.120.561.17
Investments purchased-6.350-150-9052.65-10267.22-13010.01-20270.76-25713.28-26237-12218-28090-21535
Investments sold13.9915.4618.239268.6710274.2813020.4920244.0225716.2726251.9512226.9127923.0221457.84
Cash from Financing Activity1,5012,358404102,7863,6624,0872,7511,8263,0371,7017,655
Proceeds from Shares0197.33435.180246.05208.93296.21.51507.322.752.552.46
Proceeds from Borrowings402.221154.731001.951617.062416.441369.62612.24967.6345005229.5841598605.19
Repayment of Borrowings-171.8200-557.21-696.22000-468.910-547.10
Dividends Paid-21.67-17.76-24.4-0.12-11.92-41.59-53.93-58.61-63.33-66.8-103.32-122.2
Net Cash Flow2198703-543-25584319219-485768-20

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %9%13%5%2%7%15%18%17%16%17%18%21%

Announcements & News

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.