CHOLAFIN:NSE-Cholamandalam Investment and Finance Company Limited (INR)

COMMON STOCK | Credit Services | NSE

Last Closing Price

INR 562.30

Change

0.00 (0.00)%

Market Cap

INR 461.73B

Volume

3.04M

Average Target Price

INR 565.00 (+0.48%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Cholamandalam Investment and Finance Company Limited, a non-banking finance company, provides various financial services in India. The company operates through three segments: Vehicle Finance Loans, Home Equity, and Other Loans. It offers two wheeler and commercial vehicle loans, tractor loans, car and MUV loans, and construction equipment loans, as well as loans to automobile dealers; loans against properties; home loans for self-construction, loans for the purchase of plots and ready to occupy homes, and balance transfer facility for existing home loans; home equity loans; business loans for small and medium enterprises; rural and agri-loans; and refinance against existing vehicles. The company also provides wealth management services that cover mutual funds, fixed deposits and bonds, life and general insurance, and home loans for private individuals and professionals; investment advisory services; and stock broking services for mutual funds, stocks and derivatives, exchange traded funds, and bonds, as well as Internet broking, demat, and depository participant services. As of March 31, 2020 it operated through a network of 1091 branches. The company was founded in 1978 and is headquartered in Chennai, India. Address: Dare House, Chennai, India, 600001

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-06-13 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
BAJFINANCE:NSE Bajaj Finance Limited

N/A

INR3,688.56B 83.84 20.10
SBICARD:NSE SBI Cards and Payment Services..

N/A

INR1,029.01B 105.25 N/A
MUTHOOTFIN:NSE Muthoot Finance Limited

N/A

INR590.88B 15.55 N/A
PEL:NSE Piramal Enterprises Limited

N/A

INR508.77B 40.52 21.82
SRTRANSFIN:NSE Shriram Transport Finance Comp..

N/A

INR373.36B 14.54 11.23
PFC:NSE Power Finance Corporation Limi..

N/A

INR344.53B 3.71 9.63
RECLTD:NSE REC Limited

N/A

INR318.36B 3.80 10.46
SUNDARMFIN:NSE Sundaram Finance Limited

N/A

INR288.87B 26.50 10.67
L&TFH:NSE L&T Finance Holdings Limited

N/A

INR241.50B 10.36 N/A
M&MFIN:NSE Mahindra & Mahindra Financial ..

N/A

INR209.00B 11.21 41.24

ETFs Containing CHOLAFIN

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 36.70% 64% D 59% F
Dividend Return 0.32% 9% F 14% F
Total Return 37.01% 67% D+ 59% F
Trailing 12 Months  
Capital Gain 251.33% 93% A 89% B+
Dividend Return 0.81% 38% F 37% F
Total Return 252.14% 93% A 89% B+
Trailing 5 Years  
Capital Gain 196.09% 84% B 84% B
Dividend Return 3.37% 33% F 41% F
Total Return 199.46% 81% B- 84% B
Average Annual (5 Year Horizon)  
Capital Gain 25.60% 81% B- 80% B-
Dividend Return 0.52% 33% F 40% F
Total Return 26.12% 79% C+ 80% B-
Risk Return Profile  
Volatility (Standard Deviation) 69.57% 21% F 26% F
Risk Adjusted Return 37.55% 71% C- 73% C
Market Capitalization 461.73B 90% A- 94% A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 30.40 32% F 38% F
Price/Book Ratio 4.80 13% F 20% F
Price / Cash Flow Ratio -5.22 67% D+ 87% B+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 17.09% 92% A- 78% C+
Return on Invested Capital 2.53% 48% F 40% F
Return on Assets 2.19% 63% D 47% F
Debt to Equity Ratio 663.87% 15% F 3% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.00 80% B- 56% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector