Cholamandalam Investment and Finance Company financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹9,395cr+23.4% on Q2 FY26
Net interest income
₹4,179cr+23.5% on Q2 FY26
Net profit
₹1,630cr+40.6% on Q2 FY26
EPS
₹19.09+38.5% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income9,3957,613+23.4%
Net interest income4,1793,384+23.5%
Net profit1,6301,160+40.6%
EPS₹19.09₹13.78+38.5%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹9,395 crNet profit₹1,630 crNet interest margin6.2%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
1,31,713————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
34,92331,53926,15319,42013,106
—+20.6%+34.7%+48.2%—
15,66714,01911,2538,3966,335
—+24.6%+34.0%+32.5%—
6.3%6.3%6.3%6.2%6.5%
38.7%38.7%39.7%41.9%39.3%
1.8%1.8%1.5%1.1%1.0%
6,2225,2334,2633,4202,665
—+22.8%+24.6%+28.3%—
₹74.55₹61.39₹50.01₹40.12₹31.26
—+22.8%+24.6%+28.3%—
19.3%19.3%19.7%20.2%20.4%
2.3%2.3%2.4%2.5%2.7%
Balance sheet
2,40,3572,17,7441,82,0381,44,4631,04,810
—+19.6%+26.0%+37.8%—
2,12,1002,12,1001,75,0361,34,47597,358
6.96×6.96×7.40×6.86×6.79×
8.06×8.06×8.53×8.00×7.92×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

CHOLAFIN₹1,545.20

Cholamandalam Investment and Finance Company Ltd.

· Banking & Finance
₹ CrorePeersSHRIRAMFINSUNDARMFINUNIONBANKMUTHOOTFINPFCPNBRECLTDBAJAJHLDNGMcap ₹1.32L Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————1,31,712.8
Total Income13,105.619,419.926,152.831,538.734,923.4
Growth %, YoY—+48.2+34.7+20.6—
Net Interest Income6,334.68,396.411,253.214,019.115,666.6
Growth %, YoY—+32.5+34.0+24.6—
NIM %, on assets6.466.216.286.276.27
Cost to Income %39.3241.8739.7038.7438.74
Credit Cost %, on avg loans0.951.061.531.771.77
Net Income2,664.93,420.14,262.75,232.66,221.7
Growth %, YoY—+28.3+24.6+22.8—
EPS, Adj (current shares)31.2640.1250.0161.3974.55
Growth %, YoY—+28.3+24.6+22.8—
ROE %20.4120.1519.7119.3319.33
ROA %2.722.532.382.342.34
Balance Sheet
Loans1,04,809.71,44,462.71,82,037.62,17,743.72,40,356.9
Growth %, YoY—+37.8+26.0+19.6—
Total Borrowings97,357.51,34,474.91,75,036.02,12,099.92,12,099.9
Debt/Equity ×6.796.867.406.966.96
Leverage (Assets/Equity) ×7.928.008.538.068.06
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

Cholamandalam Finance financials and key ratios

Prices at the 29 October 2026 close · figures from the company's filings with NSE

Cholamandalam Investment and Finance (NSE: CHOLAFIN) had a market capitalisation of ₹1,37,616 crore at the 29 October 2026 close (₹1,604.20 a share), a PE ratio of 21.7 on the last four quarters' profit and a price-to-book ratio of 3.99. In FY26 its consolidated net profit attributable to shareholders was ₹5,233 crore on revenue of ₹31,073 crore; in Q2 FY27 (July–September 2026) it was ₹1,764 crore, up 52.1% year on year. Promoters held 48.93% of the shares on 30 September 2026.

Share price used
₹1,604.20 · 29 October 2026 close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

Cholamandalam Finance at a glance · consolidated

Market cap
₹1,37,616 Crat ₹1,604.20 · 29 Oct close
PE ratio (last 4 quarters)
21.726.3 on FY26 profit
Price to book (PB)
3.99book value ₹402.53 a share
ROE (FY26)
19.3%
Debt to equity
6.72net debt ₹2,18,213 Cr
Promoter holding
48.93%−0.3 pts vs 30 Jun 202630 September 2026
Dividend yield
0.12%₹2 a share in 12 months
Net worth
₹34,531 Cr+33.1% vs 30 Sep 202530 September 2026
EPS (FY26)
₹61.98

Questions

What is the Cholamandalam Finance PE ratio today?

Cholamandalam Finance's PE ratio is 21.7 at the 29 October 2026 close (₹1,604.20 a share): a market capitalisation of ₹1,37,616 crore divided by consolidated net profit attributable to shareholders of ₹6,355 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit attributable to shareholders (₹5,233 crore) it is 26.3.

What is the Cholamandalam Finance PB ratio (price to book value)?

Cholamandalam Finance's price-to-book (PB) ratio is 3.99 at the 29 October 2026 close: a market capitalisation of ₹1,37,616 crore divided by shareholders' equity (book value) of ₹34,531 crore on 30 September 2026. That is a book value of ₹402.53 per share against a share price of ₹1,604.20.

What is the Cholamandalam Finance debt to equity ratio?

Cholamandalam Finance's debt-to-equity ratio was 6.72 on 30 September 2026: borrowings, debt securities, deposits and subordinated debt of ₹2,31,911 crore against total equity of ₹34,531 crore. A year earlier, on 30 September 2025, it was 7.23.

What is the Cholamandalam Finance market cap?

Cholamandalam Finance's market capitalisation was ₹1,37,616 crore (₹1.38 lakh crore) at the 29 October 2026 close: 85.79 crore shares at ₹1,604.20 each.

What is the Cholamandalam Finance ROE?

In FY26, Cholamandalam Finance's return on equity (ROE) was 19.3%. ROE is net profit attributable to shareholders divided by average shareholders' equity (the start and end of the year).

What is the Cholamandalam Finance EPS?

Cholamandalam Finance's basic earnings per share (EPS) were ₹61.98 in FY26, against ₹50.72 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹73.14.

What is the Cholamandalam Finance net worth?

Cholamandalam Finance's net worth — shareholders' equity in its consolidated balance sheet — was ₹34,531 crore on 30 September 2026, up 33.1% from ₹25,942 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹1,37,616 crore at the 29 October 2026 close.

What is the Cholamandalam Finance book value per share?

Cholamandalam Finance's book value per share was ₹402.53 on 30 September 2026: shareholders' equity of ₹34,531 crore divided by the 85.79 crore shares in issue, up 30.6% from ₹308.19 a year earlier. The share price at the 29 October 2026 close was ₹1,604.20.

What is the Cholamandalam Finance dividend yield?

Cholamandalam Finance's dividend yield is 0.12% at the 29 October 2026 close: dividends of ₹2 a share that went ex-dividend in the 12 months before that day, divided by the share price of ₹1,604.20. They were ₹0.70 on 21 July 2026 and ₹1.30 on 5 February 2026 (interim).

What is the Cholamandalam Finance dividend in 2026 and its record date?

In 2026, Cholamandalam Finance has declared two dividends totalling ₹2 a share: ₹1.30 (interim) with record date 5 February 2026 and ₹0.70 with record date 21 July 2026.

What is the Cholamandalam Finance promoter holding?

Promoters held 48.93% of Cholamandalam Finance on 30 September 2026, down 0.29 percentage points from 49.22% the previous quarter and down 0.95 percentage points from 49.88% a year earlier, according to the shareholding pattern filed with NSE.

What are the Cholamandalam Finance latest quarterly results?

Cholamandalam Finance's latest results are for Q2 FY27 (July–September 2026), filed on 28 October 2026: consolidated net profit attributable to shareholders ₹1,764 crore, up 52.1% from ₹1,160 crore in Q2 FY26; revenue from operations ₹9,395 crore, up 25.4% year on year.

What is the Cholamandalam Finance shareholding pattern?

On 30 September 2026, Cholamandalam Finance's shares were held by promoters 48.93%, foreign portfolio investors (FII/FPI) 24.87%, domestic institutions (DII) 20.38% (including mutual funds at 14.80%) and retail and other non-institutional investors 5.83%. Over the year, FII holding was down 1.98 percentage points from 26.85% and DII holding was up 3.11 percentage points from 17.27%.

How does the Cholamandalam Finance PE ratio compare with its peers?

At the 29 October 2026 closing prices, on FY26 net profit attributable to shareholders, Cholamandalam Finance's PE ratio is 26.3, the highest of the four: Shriram Finance 19.7, Sundaram Finance 21.1 and Union Bank of India 7.3, a peer average of 16.1. Each is the company's market capitalisation at that price divided by its FY26 net profit.

Cholamandalam Finance vs Shriram Finance: how do they compare?

In FY26, Cholamandalam Finance earned net profit attributable to shareholders of ₹5,233 crore on revenue of ₹31,073 crore, against ₹10,024 crore on ₹48,133 crore for Shriram Finance. At the 29 October 2026 close, Cholamandalam Finance's market capitalisation was ₹1,37,616 crore against ₹1,97,915 crore for Shriram Finance, and its PE ratio on FY26 profit 26.3 against 19.7.

What is the Cholamandalam Finance revenue and profit in FY26?

In FY26 (April 2025–March 2026), Cholamandalam Finance's consolidated net profit attributable to shareholders was ₹5,233 crore, up 22.8% from ₹4,263 crore in FY25, on revenue from operations of ₹31,073 crore (up 20.2%). Over three years, from FY23, net profit was up 96.4%.

When are the Cholamandalam Finance next results?

Cholamandalam Finance has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does Cholamandalam Finance compare with its peers?

On FY26 consolidated figures, against Shriram Finance, Sundaram Finance and Union Bank of India: Cholamandalam Finance's return on equity of 19.3% is the highest of the four (Shriram Finance 16.4%, Sundaram Finance 14.7%, Union Bank of India 15.7%; peer average 15.6%).

Where do these Cholamandalam Finance figures come from?

From Cholamandalam Investment and Finance's own consolidated results, balance sheets and shareholding patterns filed with NSE, and NSE prices (the latest used here: the 29 October 2026 close). Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.