Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN

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Cholamandalam Investment and Finance Company Ltd Logo
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
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Price: 1 189.35 INR 0.37% Market Closed
Market Cap: 999.9B INR
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Relative Value

The Relative Value of one CHOLAFIN stock under the Base Case scenario is 2 847.8 INR. Compared to the current market price of 1 189.35 INR, Cholamandalam Investment and Finance Company Ltd is Undervalued by 58%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

CHOLAFIN Relative Value
Base Case
2 847.8 INR
Undervaluation 58%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

4.5
P/S
P/S
Price to Sales
4.5
vs History
68
vs Industry
26
Median 3Y
5.5
Median 5Y
5
Industry
3.1
Forward
7.3
More Details
25.9
P/E
P/E
Price to Earnings
25.9
vs History
57
vs Industry
13
Median 3Y
28.7
Median 5Y
27.3
Industry
15.3
Forward
22.4
More Details
Negative
P/OCF
P/OCF
Price to OCF
N/A
vs History
vs Industry
Median 3Y
-3.4
Median 5Y
-4.7
Industry
10.2
More Details
Negative
P/FCFE
P/FCFE
Price to FCFE
N/A
vs History
vs Industry
Median 3Y
-18.5
Median 5Y
-16.3
Industry
12.7
More Details
5.1
P/B
P/B
Price to Book Value
5.1
vs History
36
vs Industry
7
Median 3Y
5.2
Median 5Y
4.8
Industry
1.3
More Details
8.4
EV/S
EV/S
Enterprise Value to Sales
8.4
vs History
87
vs Industry
15
Median 3Y
11.8
Median 5Y
10.4
Industry
4.8
Forward
13.7
More Details
16.3
EV/GP
EV/GP
Enterprise Value to Gross Profit
16.3
vs History
90
vs Industry
11
Median 3Y
20.6
Median 5Y
19.4
Industry
7
More Details
27.6
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
27.6
vs History
73
vs Industry
15
Median 3Y
33.4
Median 5Y
31.5
Industry
14.2
More Details
28.6
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
28.6
vs History
73
vs Industry
11
Median 3Y
34.4
Median 5Y
32.2
Industry
14.6
Forward
23.6
More Details
Negative
EV/OCF
EV/OCF
Enterprise Value to OCF
N/A
vs History
vs Industry
Median 3Y
-6.9
Median 5Y
-11.8
Industry
12.4
More Details
Negative
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
N/A
vs History
vs Industry
Median 3Y
-6.9
Median 5Y
-11.8
Industry
13.5
More Details
1.2
EV/IC
EV/IC
Enterprise Value to IC
1.2
vs History
84
vs Industry
22
Median 3Y
1.5
Median 5Y
1.5
Industry
0.9
More Details

Multiples Across Competitors

CHOLAFIN Competitors Multiples
Cholamandalam Investment and Finance Company Ltd Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
999B INR 4.5 25.9 27.6 28.6
US
American Express Co
NYSE:AXP
212.8B USD 3 21.8 25.6 29.1
US
Capital One Financial Corp
NYSE:COF
69.2B USD 1.8 17 36.3 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.2T INR 6.8 27.4 24.6 25.3
US
Discover Financial Services
NYSE:DFS
44.4B USD 2.1 11.6 163.5 0
US
Synchrony Financial
NYSE:SYF
25.8B USD 1.3 8.3 87.4 0
KZ
Kaspi.kz AO
NASDAQ:KSPI
18.6B USD 0 0 0 0
US
SoFi Technologies Inc
NASDAQ:SOFI
17.4B USD 6.9 95.1 101.1 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR 2.9 13.7 19 19.8
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR 1.5 3.8 8.3 11.9
US
Ally Financial Inc
NYSE:ALLY
10.9B USD 1.2 14.1 23.6 0
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
Average EV/EBIT: 23
28.6
155%
0.2
US
American Express Co
NYSE:AXP
29.1
89%
0.3
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
25.3
101%
0.3
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
19.8
N/A N/A
US
S
Santander Consumer USA Holdings Inc
F:77S
11.9
N/A N/A
US
Ally Financial Inc
NYSE:ALLY
Not Available N/A N/A

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
Discover More
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