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Fincash » Search » Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment Finance Company Ltd

Updated on November 22, 2020

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...show more

Below is the details of CHOLAFIN Cholamandalam Investment Finance Company Ltd

Market Cap₹19,031 Cr.
Current Price ₹388.7 as on 27 Nov 20
52 Week High / Low Price₹349 / ₹117.4
Face Value₹2
Stock P/E16.28
Book Value₹99.7
Dividend Yield0.73 %
ROCE10.30 %
ROE14.67 %
Sales Growth (3yrs)22.91 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: 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 Finance ₹3,173.55 41.78 ₹210,170.41 Cr. 0.29 ₹962.32 Cr. -19.49 14.52 6648.20 11.95
2. Bajaj Finserv ₹3,173.55 26.35 ₹98,511.55 Cr. 0.08 ₹1,215.15 Cr. 43.75 15.63 14189.99 12.65
3. SBI Cards ₹799.3 60.93 ₹75,848.93 Cr. 0.12 ₹393.29 Cr. 13.80 4.06 2152.20 15.18
4. HDFC AMC ₹2,256.25 40.31 ₹51,319.04 Cr. 1.16 ₹302.36 Cr. 3.62 -18.42 411.49 46.82
5. Muthoot Finance ₹1,152 13.39 ₹45,993.68 Cr. 1.31 ₹853.51 Cr. 53.46 25.96 2604.48 16.01
6. Bajaj Holdings ₹3,173.55 9.93 ₹29,812.37 Cr. 1.49 ₹679.13 Cr. 1.47 14.84 90.25 12.16
7. Cholaman.Inv.&Fn 16.28 ₹19,031.2 Cr. 0.73 ₹430.93 Cr. 37.14 4.15 2113.63 10.30
8. Sundaram Finance ₹1.25 20.10 ₹17,899.32 Cr. 0.81 ₹269.26 Cr. 58.31 28.13 1271.99 9.27

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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

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue1,3501,3891,4561,6061,6751,8261,8852,0292,1972,2752,1512,114
Interest6566737137958579519861,0871,1771,1921,1361,131
Expenses -372365299359346397423436471529932377
Employee Cost %9.71%9.59%10.70%8.80%8.01%7.76%9.20%7.19%7.83%7.79%7.43%7.39%
Financing Profit32235144445147247847650654955384606
Financing Margin %24%25%31%28%28%26%25%25%25%24%4%29%
Other Income000000000000
Depreciation121315131315152326312725
Profit before tax31033842943946046446148352352257581
Tax %34%35%34%35%34%34%37%35%41%26%26%26%
Net Profit20421928528530530429231430738943431
EPS in Rs2.612.813.650.730.783.890.754.023.934.970.535.26
Gross NPA %4.50%3.70%3.00%3.10%2.80%2.70%2.30%2.60%2.70%
Net NPA %2.90%2.30%1.70%1.80%1.60%1.50%1.10%1.40%1.60%
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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue1,1159301,1881,7662,5543,2623,6904,1924,6605,4796,9928,6538,737
Interest5945045689881,4111,7711,9602,0512,2312,6593,5894,5924,636
Expenses -4834205124986749181,0441,2501,2861,3691,5252,3672,308
Manufacturing Cost %7.51%6.49%7.50%7.42%7.08%0.18%0.22%0.22%0.24%0.04%0.04%0.05%
Employee Cost %7.52%8.23%7.58%6.27%6.01%5.76%6.03%6.08%8.66%9.81%8.46%7.58%
Other Cost %28.30%30.52%28.03%14.47%13.28%22.20%22.04%23.54%18.70%15.14%13.31%19.73%
Financing Profit3851072814705736868911,1431,4511,8781,6931,792
Financing Margin %3%1%9%16%18%18%19%21%25%26%27%20%21%
Other Income-141118110110100
Depreciation20159920242921385055108109
Profit before tax17311002904515506578711,1061,4011,8231,5861,684
Tax %-150%51%38%41%32%34%34%35%35%34%35%34%
Net Profit4315621733073644355687199181,1861,0521,169
EPS in Rs1.290.320.992.534.175.085.877.069.0511.7415.1712.8414.69
Dividend Payout %0%43%29%19%16%14%12%12%12%11%9%13%

Compounded Sales Growth

  • 10 Years:: 24.99%
  • 5 Years:: 18.58%
  • 3 Years:: 22.91%
  • TTM:: 17.81%

Compounded Profit Growth

  • 10 Years:: 51.53%
  • 5 Years:: 19.30%
  • 3 Years:: 13.56%
  • TTM:: -3.79%

Return on Equity

  • 10 Years:: 21.49%
  • 5 Years:: 14.63%
  • 3 Years:: 0.33%
  • 1 Year:: -13.55%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -366366119133143143644156156156156164
Preference Capital300300000050000000
Equity Capital6666119133143143144156156156156164
Reserves4154199531,2851,8222,1512,5293,5014,1284,9426,0198,008
Borrowings5,3915,3947,94911,44415,28918,09319,47522,57624,10938,33050,56755,005
Other Liabilities -1,0651,0636575699311,1591,7251,6552,201661684816
Trade Payables27825699144125151196275271207203
Advance from Customers3350161115191924221200
Other liability items1,0059305854597731,0161,5551,4351,904378476613
Total Liabilities6,9376,9419,67813,43018,18521,54723,87327,88830,59544,09057,42663,993
Fixed Assets -34143353717368111140161163274
Gross Block77647098135160177232296205266476
Accumulated Depreciation43503745658710912015645103202
CWIP00000000041310
Investments4052196862225826767239737373
Other Assets -6,4986,7089,57713,31517,89021,39123,73727,71030,21643,85257,17863,636
Inventories1,9833,0840000000000
Trade receivables22736300000003847
Cash Equivalents1,5587451692583898013414904718883,6756,959
Loans n Advances2,7362,5263,5624,3255,5376,5777,2828,5349,1766608911,272
Other asset items-6-105,8468,73211,96314,01316,11518,68620,56942,26652,60755,398
Total Assets6,9376,9419,67813,43018,18521,54723,87327,88830,59544,09057,42663,993

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity -848-1,071-3,249-3,572-3,759-2,451-2,271-2,814-1,491-7,923-9,331-2,086
Profit from operations7805328071,3091,9582,5492,8903,3323,6284,3635,6446,936
Receivables1,315000-4,3420000-2951-15
Inventory-625-2,2940000000000
Payables1919-6139000008058-39
Loans Advances-38-42-184818-11-4,810-6,977-7,526-9,337-11,900-8,036
Other WC items181,309-3,393-4,00732-3,1631,7783,2114,7791111,1594,140
Working capital changes689-1,008-3,472-3,920-4,292-3,173-3,032-3,766-2,747-9,175-10,632-3,950
Interest paid-599-565-548-922-1,272-1,620-1,881-1,988-1,906-2,571-3,616-4,500
Direct taxes-22-30-36-39-174-232-270-399-479-589-728-573
Other operating items00002025227134900
Cash from Investing Activity --549519208-6-8-80-40-147-202-63-4-51
Fixed assets purchased-13-5-35-31-36-27-31-75-57-72-68-68
Fixed assets sold03017000111111
Investments purchased-150-9,053-10,267-13,010-20,271-25,713-26,237-12,218-28,090-21,53500
Investments sold189,26910,27413,02020,24425,71626,25212,22727,92306316
Interest received2244464500000000
Dividends received000000000000
Invest in subsidiaries-68-24-20-60-000-80000
Inter corporate deposits0000000010000
Other investing items-3592571942954-57-25-741121,54300
Cash from Financing Activity -404102,7863,6624,0872,7511,8263,0371,7017,96512,2202,461
Proceeds from shares4350246209296250733221,196
Proceeds from debentures008322,1261,2331,8942,7122,6317,418017,08619,405
Redemption of debentures-987-1,050000-1,358-1,882-1,753-1,7400-17,365-26,094
Proceeds from borrowings1,0021,6172,4161,3702,6124,9684,5005,2304,159033,46145,615
Repayment of borrowings0-557-696000-4690-5470-20,945-34,479
Proceeds from deposits000000231010631040
Dividends paid-24-0-12-42-54-59-63-67-103-122-122-200
Financial liabilities00000000000-48
Share application money000000000000
Other financing items-210-0-0-0-2,695-3,503-3,017-7,4998,0220-2,934
Net Cash Flow703-543-25584319219-485768-202,885323

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %5%2%7%15%18%17%16%17%18%20%21%15%

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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.