Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers portfolio management services, such as investment solutions to individual clients; stock broking services to retail and institutional investors; and distributes insurance products and mutual funds. Further, the company provides dealer portal services under the Gaadi Bazaar brand, that acts as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omni channel payment transaction solution that lets business owners accept payments from their customers in-store, at home deliveries, online and on-the-go using mPOS and POS solutions. The company was incorporated in 1978 and is based in Chennai, India.

Revenue projections:

Revenue projections for CHOLAFIN
Revenue projections for CHOLAFIN

Cholamandalam Investment and Finance Company Limited's revenue projections show a decrease from last year, which tends to make investors more cautious. This could have a negative impact on the company's bottom line, as lower revenues typically suggest reduced profitability and growth potential, prompting concern among investors.

Financial Ratios:

currentRatio 0.000000
forwardPE 23.848515
debtToEquity 738.948000
earningsGrowth 0.245000
revenueGrowth 0.266000
grossMargins 0.998990
operatingMargins 0.524180
trailingEps 48.400000
forwardEps 0.000000

CHOLAFIN's Forward PE being in a good range indicates the stock is priced well relative to its earnings. It is not overvalued, leaving space for future growth, making it an appealing option for investors interested in long-term value appreciation.
CHOLAFIN's elevated debt-to-equity ratio reflects substantial leverage, meaning the company relies heavily on borrowed funds. This could increase financial risk, particularly in times of economic uncertainty or if the company's profitability declines.
CHOLAFIN's positive earnings and revenue growth suggest that the company is poised for business expansion. This financial strength indicates that CHOLAFIN is expected to continue growing, with rising profits and sales contributing to its long-term success.
With positive gross and operating margins, CHOLAFIN demonstrates strong profitability. This reflects the company's ability to manage costs and maintain healthy profits, showcasing effective operational efficiency and financial stability.

Price projections:

Price projections for CHOLAFIN
Price projections for CHOLAFIN

Over time, price projections for CHOLAFIN have risen steadily, pointing to growing optimism among analysts about the company's future. This upward trend suggests a positive outlook for CHOLAFIN's continued growth.

Recommendation changes over time:

Recommendations trend for CHOLAFIN
Recommendations trend for CHOLAFIN


The analysts' recent buy bias for CHOLAFIN indicates strong confidence in the stock's future performance. This could encourage more investors to view CHOLAFIN as a worthwhile investment, positioning the company as a top choice for those seeking financial security and long-term growth opportunities.