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Cholamandalam Financial Key Ratios

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NSE: CHOLAHLDNG | BSE: 504973

₹1,520.70

up-down-arrow ₹-5.00 (-0.33%)

As on 07-Sep-2026IST

Market cap

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₹28,567 Cr

Revenue (TTM)

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₹40,890 Cr

P/E Ratio

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10.7

P/B Ratio

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1.7

Div. Yield

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0.1 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 7.21 19.55 17.54 27.27 23.46
EBIT 9.82 24.21 16.12 28.98 27.70
Net Profit 17.29 39.32 20.07 25.35 21.85
EPS 17.29 39.32 21.10 24.16 30.60
Book Value -- -- 23.32 26.41 23.37
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 95.8553.1254.8854.2955.85
Net Margin info --14.6214.5113.8414.12
Return on equity info 4.9640.6418.3339.5241.92
Return on Assets info 4.922.402.442.232.37

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
--
10.52
11.41
11.60
10.64
Peer Median
--
8.82
11.60
10.11
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

18.33

Higher than Peers by 10.07

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
18.33
39.52
41.92
43.25
40.34
Peer Median
8.25
12.06
12.49
10.06
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

2.44

Higher than Peers by 0.10

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
2.44
2.23
2.37
2.51
2.48
Peer Median
2.33
2.23
2.73
6.32
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

54.88

Lower than Peers by 31.85

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
54.88
54.29
55.85
54.81
51.57
Peer Median
86.73
77.19
60.33
81.42
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

14.51

Lower than Peers by 50.20

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
14.51
13.84
14.12
14.70
15.33
Peer Median
64.70
26.49
55.47
586.12
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
--
14.87
15.18
15.84
16.50
Peer Median
0.00
--
--
0.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

17.54

Lower than Peers by 2.42

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
17.54
17.95
28.38
42.20
23.92
Peer Median
19.96
16.46
18.65
37.98
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

16.12

Lower than Peers by 0.36

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
16.12
14.65
30.80
51.14
30.19
Peer Median
16.48
19.11
18.77
64.67
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

20.07

Higher than Peers by 9.97

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
20.07
15.71
23.33
36.20
25.69
Peer Median
10.10
1.96
-1.74
63.83
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

21.10

Higher than Peers by 11.76

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
21.10
12.31
22.63
37.38
26.05
Peer Median
9.34
19.75
0.48
42.57
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
--
23.32
22.02
34.23
18.56
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
--
13.74
14.05
13.17
12.82
Peer Median
--
0.06
0.02
0.02
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
--
5.02
4.57
4.64
2.91
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.16

Lower than Peers by 15.22

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
1.16
0.24
0.23
0.13
0.16
Peer Median
16.38
3.53
2.29
2.69
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.16

Lower than Peers by 13.54

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
1.16
0.24
0.23
0.13
0.16
Peer Median
14.70
10.56
3.92
25.81
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.54

Lower than Peers by 595.97

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
1.54
1.51
1.51
1.56
1.66
Peer Median
597.51
14.20
16.47
177.44
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

10.70

Lower than Peers by 16.30

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
10.70
10.50
15.14
11.81
7.85
Peer Median
27.00
27.00
17.90
14.11
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.67

Lower than Peers by 0.00

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
1.67
1.68
2.65
2.06
1.34
Peer Median
1.68
1.68
1.31
0.47
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.09

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
0.09
0.10
0.07
0.05
0.10
Peer Median
--
--
--
0.29
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

9.74

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
9.74
10.16
10.42
10.38
10.65
Peer Median
--
22.65
28.31
39.08
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

28,567

Higher than Peers by 27,255

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Cholamandalam Financial
28,567
25,643
32,903
20,940
10,133
Peer Median
1,312
1,312
1,801
858
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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