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Fincash » Search » Cholamandalam Investment & Finance Company Ltd

Cholamandalam Investment Finance Company Ltd

Updated on January 13, 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...Read more

Below is the details of CHOLAFIN Cholamandalam Investment Finance Company Ltd

Market Cap₹24,406 Cr.
Current Price ₹303.85 as on 10 Dec 19
52 Week High / Low Price₹333.9 / ₹218.2
Face Value₹2
Stock P/E20.05
Book Value₹86.19
Dividend Yield0.42 %
ROCE10.81 %
ROE21.04 %
Sales Growth (3yrs)18.59 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Promoter's stake has increased Company has good consistent profit growth of 26.65% over 5 years
Cons: Stock is trading at 3.62 times its book value Company has low interest coverage ratio. Company might be capitalizing the interest cost

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. ₹3,232.5 52.86 ₹245,140.16 Cr. 0.14 ₹1,376.67 Cr. 49.59 40.69 5696.63 13.02
2. Bajaj Finserv ₹3,232.5 38.78 ₹144,978.05 Cr. 0.03 ₹1,203.72 Cr. 70.98 46.65 14221.86 14.02
3. HDFC AMC ₹2,295.15 63.76 ₹75,205.79 Cr. 0.68 ₹368.24 Cr. 78.84 3.67 498.00 51.64
4. Bajaj Holdings ₹3,232.5 12.13 ₹39,667.65 Cr. 0.91 ₹1,028.66 Cr. 34.54 -9.09 117.60 12.16
5. Muthoot Finance ₹691.25 11.40 ₹27,180.62 Cr. 1.77 ₹857.92 Cr. 77.32 29.55 2136.89 16.22
6. Shriram Trans. ₹5.7 9.16 ₹25,573.91 Cr. 1.06 ₹768.29 Cr. 25.39 7.10 4217.54 11.36
7. Aditya Birla Cap ₹96.35 25.37 ₹25,316.05 Cr. 0.00 ₹255.78 Cr. 37.46 10.72 3975.94 9.32
8. Cholaman.Inv.&Fn 20.05 ₹24,405.56 Cr. 0.42 ₹306.97 Cr. 0.75 31.16 2196.96 10.81

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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

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue1,1761,2131,2961,3501,3891,4561,6061,6751,8261,8852,0292,197
Interest5665486336566737137958579519861,0871,177
Expenses349317330372365299359346397423436471
Employee Cost %8.5%10.01%9%9.71%9.59%10.7%8.8%8.01%7.76%9.2%7.19%7.83%
Financing Profit261349334322351444451472478476506549
Financing Margin %22%29%26%24%25%31%28%28%26%25%25%25%
Other Income000000000000
Depreciation101110121315131315152326
Profit before tax251338324310338429439460464461483523
Tax %35%35%35%34%35%34%35%34%34%37%35%41%
Net Profit163220210204219285285305304292314307
EPS in Rs2.082.812.682.612.813.653.653.903.893.734.023.93
Gross NPA %3.80%4.70%4.73%4.50%3.70%3.00%3.10%2.80%2.70%2.30%2.60%2.70%
Net NPA %1.60%3.20%3.17%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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue8911,1159301,1881,7662,5543,2623,6904,1924,6605,4796,9927,938
Interest3785945045689881,4111,7711,9602,0512,2312,6593,5894,201
Expenses4084834205124986749181,0441,2501,2861,3691,5251,726
Manufacturing Cost %14.67%7.51%6.49%7.5%7.42%7.08%0.18%0.22%0.22%0.24%0.04%0.04%%
Employee Cost %8.27%7.44%8.18%7.55%6.25%5.99%5.75%6.01%6.06%8.64%9.8%8.45%%
Other Cost %22.87%28.38%30.57%28.07%14.5%13.29%22.22%22.06%23.55%18.71%15.15%13.32%%
Financing Profit1053851072814705736868911,1431,4511,8782,010
Financing Margin %12%3%1%9%16%18%18%19%21%25%26%27%25%
Other Income2-14111811011010
Depreciation162015992024292138505580
Profit before tax9117311002904515506578711,1061,4011,8231,931
Tax %35%-150%51%38%41%32%34%34%35%35%34%35%
Net Profit594315621733073644355687199181,1861,217
EPS in Rs2.141.290.320.992.534.175.085.877.069.0511.7415.1715.57
Dividend Payout %35%0%43%29%19%16%14%12%12%12%11%9%

Compounded Sales Growth

  • 10 Years:: 20.15%
  • 5 Years:: 16.47%
  • 3 Years:: 18.59%
  • TTM:: 29.58%

Compounded Profit Growth

  • 10 Years:: 42.18%
  • 5 Years:: 26.65%
  • 3 Years:: 27.78%
  • TTM:: 11.22%

Return on Equity

  • 10 Years:: 37.96%
  • 5 Years:: 26.50%
  • 3 Years:: 17.51%
  • 1 Year:: 18.78%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019
Share Capital52366366119133143143644156156156156156
Preference Capital030030000005000000
Equity Capital52.2466.4766.47119.35132.62143.17143.26143.73156.21156.34156.4156.43156.44
Reserves5064154199531,2851,8222,1512,5293,5014,1284,9426,0196,582
Borrowings5,3985,3915,3947,94911,44415,28918,09319,47522,57624,10938,33050,56755,903
Other Liabilities4051,0711,0736715899531,1801,7461,6722,214661684815
Trade Payables28.8426.7881.9755.6799.33143.88124.56150.71196.39275.13271.1336.36190.63
Total Liabilities6,3616,9436,9519,69213,45118,20721,56823,89427,90630,60844,09057,42663,457
Fixed Assets4834143353717368111140161163296
Gross Block78.876.7664.170.1698.4135.48159.53177.2231.64296.5205.31257.18
Accumulated Depreciation31.2142.9250.3536.9945.2364.8386.64108.87120.32156.4244.5194.42
CWIP10000000004130
Investments1744052196862225826767239737373
Other Assets6,1396,5046,7189,59113,33617,91121,41323,75827,72830,23043,85257,17863,088
Inventories1966.61982.73083.80000000000
Trade receivables102.41227.46363.23000000038.234.4111.38
Cash Equivalents533.671557.82745.13168.78258.4388.97800.84340.66490.47470.64887.953674.856282.76
Loans n Advances3528.162736.1125263562.154324.845537.276577.317281.738534.159176.32660.38862.2855700.61
Other Assets etc7.68005859.718752.4711985.214034.8516135.8118703.3420582.6442265.6552635.981092.93
Total Assets6,3616,9436,9519,69213,45118,20721,56823,89427,90630,60844,09057,42663,457

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-2,001848-1,071-3,249-3,572-3,759-2,451-2,271-2,814-1,491-7,923-9,294
Profit from operations523.58779.51531.62806.681308.551958.112548.792890.253332.13627.834363.115644.12
Working Capital Changes-2163.89689.2-1008.02-3472-3920.48-4291.68-3173.46-3032.35-3765.88-2746.97-9174.93-10594.2
Taxes paid-360.43-620.77-594.95-583.48-960.48-1425.64-1826.29-2128.82-2379.87-2371.98-3111.09-4343.73
Cash from Investing Activity-259-549519208-6-8-80-40-147-202-63-4
Fixed Assets Purchased-32.64-12.63-4.63-35.35-30.93-35.64-26.53-30.9-75.42-56.51-71.69-58.8
Fixed Assets Sold1.570.529.9616.890.230.120.350.791.120.561.171.24
Investments purchased0-150-9052.65-10267.22-13010.01-20270.76-25713.28-26237-12218-28090-21535-129480
Investments sold15.4618.239268.6710274.2813020.4920244.0225716.2726251.9512226.9127923.0200
Cash from Financing Activity2,358404102,7863,6624,0872,7511,8263,0371,7017,96512,183
Proceeds from Shares197.33435.180246.05208.93296.21.51507.322.752.552.451.74
Proceeds from Borrowings1154.731001.951617.062416.441369.62612.24967.6345005229.58415900
Repayment of Borrowings00-557.21-696.22000-468.910-547.100
Dividends Paid-17.76-24.4-0.12-11.92-41.59-53.93-58.61-63.33-66.8-103.32-122.19-122.39
Net Cash Flow98703-543-25584319219-485768-202,885

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %13%5%2%7%15%18%17%16%17%18%20%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.