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Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN

Watchlist Manager
Cholamandalam Investment and Finance Company Ltd Logo
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
Watchlist
Price: 1 730 INR 0.41%
Market Cap: ₹1.5T
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Revenue
+
3Y
+148%
5Y
+215%
10Y
+626%
Operating Income
+
3Y
+127%
5Y
+182%
10Y
+1 033%
Net Income
+
3Y
+94%
5Y
+268%
10Y
+843%

Earnings Waterfall
Cholamandalam Investment and Finance Company Ltd

Income Statement
Cholamandalam Investment and Finance Company Ltd

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Income Statement
Currency: INR
Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Interest Expense
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
118
0
0
0
96
0
0
0
88
0
0
0
124
0
0
0
408
0
0
0
604
0
0
0
Revenue
4 355
N/A
5 448
+25%
6 846
+26%
8 289
+21%
9 455
+14%
10 999
+16%
11 604
+6%
11 608
+0%
11 397
-2%
10 617
-7%
9 912
-7%
9 777
-1%
9 036
-8%
9 764
+8%
10 567
+8%
11 085
+5%
12 063
+9%
13 028
+8%
14 217
+9%
15 954
+12%
17 793
+12%
19 781
+11%
21 699
+10%
23 642
+9%
25 701
+9%
27 750
+8%
29 796
+7%
31 577
+6%
32 793
+4%
33 938
+3%
35 070
+3%
36 302
+4%
37 148
+2%
38 302
+3%
39 273
+3%
40 170
+2%
42 137
+5%
43 381
+3%
44 875
+3%
46 116
+3%
46 935
+2%
48 255
+3%
49 660
+3%
51 862
+4%
55 587
+7%
59 545
+7%
63 442
+7%
67 802
+7%
70 876
+5%
74 901
+6%
80 000
+7%
84 488
+6%
87 120
+3%
87 925
+1%
90 342
+3%
92 653
+3%
95 794
+3%
99 356
+4%
99 779
+0%
100 150
+0%
101 408
+1%
104 291
+3%
109 496
+5%
117 484
+7%
128 841
+10%
141 391
+10%
157 114
+11%
173 396
+10%
191 396
+10%
207 206
+8%
223 411
+8%
239 629
+7%
256 870
+7%
268 016
+4%
279 836
+4%
291 572
+4%
Gross Profit
Cost of Revenue
(1 890)
(2 342)
(2 846)
(3 280)
(3 788)
(4 444)
(5 118)
(5 763)
(5 943)
(5 934)
(5 525)
(5 226)
(5 038)
(4 985)
(5 219)
(5 434)
(5 747)
(6 369)
(7 374)
(8 578)
(9 900)
(11 051)
(12 090)
(13 133)
(14 100)
(14 932)
(15 991)
(16 949)
(17 694)
(18 475)
(18 967)
(19 264)
(19 578)
(19 779)
(19 900)
(20 011)
(20 479)
(21 003)
(21 586)
(22 135)
(22 279)
(22 209)
(22 083)
(22 328)
(26 567)
(29 114)
(32 120)
(35 727)
(35 881)
(38 799)
(42 008)
(44 423)
(45 799)
(46 355)
(46 430)
(45 915)
(45 660)
(45 487)
(44 411)
(43 465)
(42 888)
(43 244)
(45 870)
(50 846)
(57 356)
(66 238)
(74 879)
(83 856)
(91 900)
(100 209)
(108 753)
(117 093)
(124 341)
(131 662)
(136 250)
(139 958)
Gross Profit
2 465
N/A
3 106
+26%
4 001
+29%
5 010
+25%
5 667
+13%
6 556
+16%
6 485
-1%
5 844
-10%
5 454
-7%
4 682
-14%
4 387
-6%
4 551
+4%
3 997
-12%
4 780
+20%
5 349
+12%
5 652
+6%
6 316
+12%
6 659
+5%
6 843
+3%
7 376
+8%
7 893
+7%
8 730
+11%
9 609
+10%
10 509
+9%
11 602
+10%
12 819
+10%
13 806
+8%
14 628
+6%
15 099
+3%
15 462
+2%
16 102
+4%
17 038
+6%
17 570
+3%
18 523
+5%
19 373
+5%
20 159
+4%
21 658
+7%
22 378
+3%
23 289
+4%
23 982
+3%
24 656
+3%
26 046
+6%
27 577
+6%
29 533
+7%
29 020
-2%
30 430
+5%
31 321
+3%
32 074
+2%
34 995
+9%
36 102
+3%
37 992
+5%
40 065
+5%
41 321
+3%
41 570
+1%
43 912
+6%
46 738
+6%
50 134
+7%
53 870
+7%
55 369
+3%
56 686
+2%
58 519
+3%
61 047
+4%
63 627
+4%
66 639
+5%
71 485
+7%
75 154
+5%
82 235
+9%
89 541
+9%
99 496
+11%
106 997
+8%
114 658
+7%
122 536
+7%
132 529
+8%
136 354
+3%
143 586
+5%
151 614
+6%
Operating Income
Operating Expenses
(2 031)
(2 611)
(3 309)
(4 111)
(4 891)
(5 906)
(6 339)
(6 571)
(5 738)
(4 934)
(4 347)
(3 950)
(4 272)
(4 146)
(4 366)
(4 576)
(5 078)
(5 670)
(5 298)
(5 570)
(5 412)
(5 425)
(5 943)
(6 290)
(6 916)
(7 943)
(8 583)
(9 237)
(8 664)
(9 829)
(10 359)
(10 975)
(9 778)
(11 586)
(12 056)
(12 310)
(12 794)
(12 767)
(12 927)
(13 344)
(13 028)
(14 370)
(15 019)
(15 691)
(11 930)
(11 297)
(10 437)
(9 448)
(13 774)
(14 186)
(15 125)
(16 153)
(16 337)
(16 278)
(15 809)
(15 250)
(16 374)
(16 639)
(18 337)
(20 044)
(21 457)
(23 665)
(25 139)
(27 405)
(28 920)
(31 270)
(34 664)
(37 848)
(42 629)
(46 340)
(49 439)
(52 788)
(54 194)
(56 897)
(59 879)
(62 720)
Selling, General & Administrative
(1 602)
(1 489)
(1 809)
(2 132)
(3 410)
(2 622)
(2 582)
(2 273)
(3 059)
(1 557)
(1 416)
(1 442)
(2 099)
(1 331)
(1 409)
(1 493)
(3 204)
(1 895)
(2 050)
(2 254)
(4 311)
(2 732)
(2 944)
(3 104)
(5 539)
(3 633)
(3 715)
(3 936)
(6 361)
(3 987)
(4 154)
(4 151)
(7 305)
(4 297)
(4 459)
(4 654)
(8 342)
(5 147)
(5 455)
(5 622)
(10 020)
(6 341)
(6 704)
(7 299)
(11 396)
(7 059)
(6 707)
(6 237)
(13 160)
(6 172)
(6 449)
(6 794)
(15 078)
(7 076)
(7 054)
(6 808)
(15 321)
(7 874)
(8 523)
(9 252)
(20 420)
(10 625)
(11 282)
(12 637)
(27 634)
(14 660)
(17 914)
(21 135)
(40 072)
(28 013)
(29 703)
(31 688)
(51 621)
(35 695)
(38 366)
(40 369)
Research & Development
0
0
0
0
0
0
0
0
(4)
0
0
0
(2)
0
0
0
(2)
0
0
0
(1)
0
0
0
(1)
0
0
0
(3)
0
0
0
(2)
0
0
0
(2)
0
0
0
(3)
0
0
0
(4)
0
0
0
(3)
0
0
0
(3)
0
0
0
(3)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Depreciation & Amortization
(71)
(78)
(125)
(133)
(184)
(218)
(208)
(246)
(265)
(252)
(238)
(220)
(171)
(166)
(145)
(121)
(100)
(88)
(92)
(93)
(104)
(125)
(149)
(179)
(216)
(227)
(233)
(236)
(246)
(261)
(277)
(299)
(301)
(288)
(268)
(240)
(217)
(240)
(281)
(338)
(390)
(414)
(441)
(472)
(509)
(540)
(552)
(567)
(570)
(681)
(820)
(990)
(1 113)
(1 128)
(1 113)
(1 044)
(1 023)
(1 016)
(997)
(984)
(1 006)
(1 033)
(1 077)
(1 136)
(1 211)
(1 321)
(1 426)
(1 584)
(1 981)
(2 184)
(2 426)
(2 559)
(2 448)
(2 533)
(2 617)
(2 763)
Other Operating Expenses
(359)
(1 046)
(1 377)
(1 846)
(1 296)
(3 067)
(3 550)
(4 053)
(2 409)
(3 125)
(2 693)
(2 290)
(2 000)
(2 649)
(2 811)
(2 961)
(1 772)
(3 685)
(3 156)
(3 223)
(996)
(2 569)
(2 851)
(3 007)
(1 159)
(4 084)
(4 636)
(5 065)
(2 055)
(5 581)
(5 928)
(6 526)
(2 170)
(7 003)
(7 329)
(7 416)
(4 232)
(7 381)
(7 191)
(7 385)
(2 615)
(7 615)
(7 873)
(7 918)
(21)
(3 697)
(3 178)
(2 644)
(40)
(7 333)
(7 857)
(8 371)
(144)
(8 074)
(7 644)
(7 399)
(27)
(7 749)
(8 817)
(9 808)
(29)
(12 007)
(12 780)
(13 630)
(76)
(15 288)
(15 323)
(15 129)
(576)
(16 142)
(17 311)
(18 541)
(124)
(18 669)
(18 896)
(19 588)
Operating Income
434
N/A
494
+14%
690
+40%
897
+30%
775
-14%
650
-16%
147
-77%
(726)
N/A
(283)
+61%
(253)
+11%
39
N/A
600
+1 438%
(275)
N/A
634
N/A
984
+55%
1 078
+10%
1 237
+15%
991
-20%
1 546
+56%
1 805
+17%
2 481
+37%
3 305
+33%
3 666
+11%
4 220
+15%
4 686
+11%
4 874
+4%
5 221
+7%
5 390
+3%
6 435
+19%
5 634
-12%
5 744
+2%
6 063
+6%
7 793
+29%
6 937
-11%
7 316
+5%
7 848
+7%
8 865
+13%
9 612
+8%
10 364
+8%
10 639
+3%
11 628
+9%
11 677
+0%
12 560
+8%
13 846
+10%
17 090
+23%
19 136
+12%
20 887
+9%
22 628
+8%
21 221
-6%
21 918
+3%
22 868
+4%
23 913
+5%
24 985
+4%
25 291
+1%
28 103
+11%
31 488
+12%
33 760
+7%
37 231
+10%
37 030
-1%
36 640
-1%
37 063
+1%
37 381
+1%
38 488
+3%
39 235
+2%
42 565
+8%
43 885
+3%
47 573
+8%
51 693
+9%
56 868
+10%
60 657
+7%
65 219
+8%
69 748
+7%
78 335
+12%
79 457
+1%
83 707
+5%
88 895
+6%
Pre-Tax Income
Interest Income Expense
0
0
0
0
0
0
0
0
0
0
0
0
517
0
0
0
(151)
0
0
0
(107)
0
0
0
(61)
0
0
0
(34)
0
0
0
1
0
0
0
1
0
0
0
1
0
0
0
2
0
0
0
2
0
0
0
(129)
0
0
0
(57)
0
0
0
(20)
0
0
0
(121)
570
905
1 135
(187)
1 493
1 613
2 651
1 015
4 988
5 531
5 447
Non-Reccuring Items
0
0
0
0
0
0
(135)
(177)
215
192
268
297
(200)
20
79
92
0
300
0
300
300
0
0
0
(115)
0
0
0
(864)
0
0
0
(1 129)
0
0
0
(87)
0
0
0
(585)
0
0
0
(3 084)
(3 989)
(4 680)
(5 641)
(3 113)
(3 303)
(3 564)
(3 963)
(8 974)
(8 440)
(10 664)
(13 751)
(13 221)
(18 179)
(15 587)
(13 623)
(8 803)
(6 271)
(8 469)
(7 575)
(8 497)
(9 234)
(10 451)
(12 450)
(13 176)
(15 269)
(17 506)
(20 557)
(24 943)
(27 950)
(30 687)
(33 152)
Gain/Loss on Disposition of Assets
17
0
0
0
3
0
0
0
(91)
0
0
0
513
0
0
0
113
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(6)
0
0
0
(3)
0
0
0
0
0
0
0
(1)
0
0
0
(2)
0
0
0
(1)
0
0
0
(5)
0
0
0
(1)
0
0
0
(7)
0
0
0
(10)
0
0
0
(21)
0
0
0
Total Other Income
5
1
2
3
3
1
1
3
58
3
2
87
12
260
260
173
29
276
286
300
219
49
53
43
12
8
(6)
5
7
(43)
(40)
(55)
4
8
7
7
19
23
27
29
31
32
28
26
2
8
9
211
207
210
209
8
2
6
43
44
2
45
11
10
838
1 169
1 666
2 184
2 206
2 844
3 068
3 021
2 558
2 360
2 306
2 870
3 028
3 486
4 035
4 101
Pre-Tax Income
455
N/A
495
+9%
692
+40%
900
+30%
782
-13%
651
-17%
13
-98%
(900)
N/A
(102)
+89%
(58)
+43%
309
N/A
984
+218%
568
-42%
914
+61%
1 323
+45%
1 342
+1%
1 227
-9%
1 566
+28%
1 831
+17%
2 405
+31%
2 893
+20%
3 355
+16%
3 720
+11%
4 264
+15%
4 522
+6%
4 881
+8%
5 214
+7%
5 394
+3%
5 545
+3%
5 591
+1%
5 704
+2%
6 008
+5%
6 662
+11%
6 944
+4%
7 322
+5%
7 854
+7%
8 794
+12%
9 635
+10%
10 391
+8%
10 668
+3%
11 074
+4%
11 708
+6%
12 587
+8%
13 870
+10%
14 008
+1%
15 154
+8%
16 215
+7%
17 198
+6%
18 315
+6%
18 825
+3%
19 513
+4%
19 958
+2%
15 882
-20%
16 857
+6%
17 481
+4%
17 780
+2%
20 479
+15%
19 096
-7%
21 454
+12%
23 026
+7%
29 076
+26%
32 278
+11%
31 684
-2%
33 843
+7%
36 146
+7%
38 064
+5%
41 093
+8%
43 399
+6%
46 053
+6%
49 240
+7%
51 632
+5%
54 713
+6%
57 415
+5%
59 982
+4%
62 586
+4%
65 292
+4%
Net Income
Tax Provision
(182)
(211)
(282)
(387)
(308)
(297)
(123)
98
291
306
325
221
(170)
(224)
(454)
(465)
(382)
(551)
(718)
(957)
(1 203)
(1 289)
(1 315)
(1 450)
(1 443)
(1 580)
(1 697)
(1 761)
(1 862)
(1 872)
(1 902)
(2 009)
(2 221)
(2 349)
(2 501)
(2 680)
(3 048)
(3 328)
(3 628)
(3 757)
(3 895)
(4 131)
(4 403)
(4 818)
(4 831)
(5 242)
(5 595)
(5 881)
(6 346)
(6 509)
(7 113)
(6 860)
(4 056)
(3 868)
(3 218)
(3 308)
(5 265)
(4 905)
(5 507)
(5 900)
(7 487)
(8 308)
(8 153)
(8 713)
(9 379)
(9 836)
(10 766)
(11 230)
(11 946)
(12 801)
(13 283)
(14 214)
(14 815)
(15 477)
(16 169)
(16 853)
Income from Continuing Operations
274
283
409
512
473
354
(110)
(802)
189
248
635
1 206
397
691
869
877
846
1 015
1 113
1 448
1 690
2 065
2 404
2 813
3 079
3 302
3 518
3 634
3 683
3 720
3 803
4 000
4 441
4 596
4 822
5 174
5 746
6 306
6 762
6 912
7 179
7 578
8 185
9 052
9 177
9 913
10 620
11 317
11 969
12 315
12 400
13 098
11 826
12 988
14 262
14 470
15 214
14 190
15 946
17 126
21 589
23 971
23 532
25 131
26 767
28 228
30 327
32 169
34 107
36 440
38 349
40 499
42 600
44 505
46 417
48 439
Income to Minority Interest
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
4
8
15
17
16
17
16
19
25
20
15
8
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Equity Earnings Affiliates
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(2)
(4)
(3)
(6)
(4)
(4)
(5)
(2)
(4)
(5)
(10)
(6)
(7)
(54)
(100)
(139)
(167)
(118)
(100)
(99)
(69)
93
133
173
185
27
29
35
30
Net Income (Common)
274
N/A
283
+3%
409
+45%
512
+25%
473
-8%
354
-25%
(110)
N/A
(802)
-629%
(190)
+76%
(131)
+31%
256
N/A
827
+223%
493
-40%
691
+40%
869
+26%
877
+1%
841
-4%
1 010
+20%
1 108
+10%
1 443
+30%
1 690
+17%
2 065
+22%
2 404
+16%
2 813
+17%
3 079
+9%
3 302
+7%
3 518
+7%
3 634
+3%
3 683
+1%
3 720
+1%
3 803
+2%
4 000
+5%
4 407
+10%
4 561
+3%
4 787
+5%
5 139
+7%
5 721
+11%
6 282
+10%
6 742
+7%
6 896
+2%
7 194
+4%
7 597
+6%
8 202
+8%
9 070
+11%
9 193
+1%
9 932
+8%
10 646
+7%
11 336
+6%
11 981
+6%
12 321
+3%
12 394
+1%
13 094
+6%
10 537
-20%
11 699
+11%
12 976
+11%
13 182
+2%
15 209
+15%
14 181
-7%
15 940
+12%
17 119
+7%
21 535
+26%
23 869
+11%
23 392
-2%
24 963
+7%
26 649
+7%
28 127
+6%
30 228
+7%
32 100
+6%
34 201
+7%
36 573
+7%
38 522
+5%
40 684
+6%
42 627
+5%
44 534
+4%
46 452
+4%
48 470
+4%
EPS (Diluted)
1.35
N/A
1.37
+1%
1.98
+45%
1.95
-2%
1.95
N/A
1.33
-32%
-0.44
N/A
-2.41
-448%
-0.6
+75%
-0.39
+35%
0.77
N/A
2.49
+223%
1.48
-41%
1.52
+3%
1.58
+4%
1.47
-7%
1.55
+5%
1.69
+9%
1.87
+11%
2.43
+30%
2.82
+16%
3.1
+10%
3.62
+17%
4.23
+17%
4.59
+9%
4.6
+0%
4.9
+7%
5.07
+3%
5.14
+1%
5.18
+1%
5.29
+2%
5.44
+3%
6.07
+12%
6.21
+2%
5.92
-5%
6.57
+11%
7.57
+15%
8.05
+6%
8.63
+7%
9.06
+5%
9.21
+2%
9.72
+6%
10.5
+8%
11.6
+10%
11.75
+1%
12.69
+8%
13.59
+7%
14.49
+7%
15.31
+6%
15.74
+3%
15.84
+1%
16.73
+6%
13.37
-20%
14.26
+7%
15.82
+11%
16.07
+2%
18.52
+15%
17.28
-7%
19.41
+12%
20.83
+7%
26.19
+26%
29.02
+11%
28.44
-2%
30.34
+7%
32.38
+7%
34.15
+5%
36.64
+7%
38.17
+4%
41.06
+8%
43.51
+6%
45.73
+5%
48.26
+6%
50.6
+5%
52.85
+4%
55.08
+4%
57.45
+4%

See Also

Summary
CHOLAFIN intrinsic value, competitors valuation, and company profile.
DCF Valuation
CHOLAFIN stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CHOLAFIN stock valuation using valuation multiples.
Wall Street Estimates
CHOLAFIN price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CHOLAFIN stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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