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

Investors may react cautiously to news that CHOLAFIN's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 21.393463
debtToEquity 743.089000
earningsGrowth 0.200000
revenueGrowth 0.198000
grossMargins 0.999090
operatingMargins 0.525050
trailingEps 52.830000
forwardEps 0.000000

CHOLAFIN's Forward PE is at a healthy level, indicating that the stock price is well-positioned relative to its earnings. With the stock not being overvalued, there remains room for future growth, suggesting a balanced opportunity for investors seeking potential upside.
CHOLAFIN's elevated debt-to-equity ratio suggests that the company is using significant debt to finance its operations. This level of leverage can amplify financial risk, particularly if profitability decreases or external conditions become unfavorable.
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.
Positive gross and operating margins for Cholamandalam Investment and Finance Company Limited highlight the company's profitability. These metrics reflect Cholamandalam Investment and Finance Company Limited's efficiency in controlling costs while generating strong revenue from its core operations, signaling robust financial health.

Price projections:

Price projections for CHOLAFIN
Price projections for CHOLAFIN

Price projections for CHOLAFIN have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for CHOLAFIN's future.

Recommendation changes over time:

Recommendations trend for CHOLAFIN
Recommendations trend for CHOLAFIN


Analysts have been favoring CHOLAFIN with a buy bias recently, signaling a promising investment opportunity. This optimistic outlook may attract more investors, positioning CHOLAFIN as a desirable option for those seeking to invest their money in a stable, profitable company with strong growth potential.