CHOLAFIN.NS Cholamandalam Investment and Finance Company Limited
INR·Price 1692.20·Mkt cap 1.44T55funnel
as of 2026-06-19
Key numbers
Market cap
₹1,44,258 Cr
Current price
₹1,692.2
52w high / low
—
Stock P/E
27.6
Book value
₹357.29
P/B
4.7
ROCE
—
ROE
17.2%
Computed from the latest reported financials and the current market price.
Who's the real player?
Strong90
A genuine play on this theme — most of its business sits right here.
NBFCs~100% core revenue
Is the business healthy?
Weak47
Shaky fundamentals — weak cash generation or a stretched balance sheet. Tread carefully.
- ⚠High accrual ratio: earnings not backed by cash (manipulation risk)
- ⚠Weak FCF conversion (<50% of net income turns into free cash)
- ⚠Altman Z in distress zone (<1.8)
cashflow quality: 0capital efficiency: —growth quality: 100balance sheet: 16.7valuation: 100
FCF conversion
-578.8%
FCF margin
-176.5%
Accrual ratio
15.8%
ROCE
—
ROIC
—
Net debt / EBITDA
—
Interest coverage
—
Revenue CAGR
—
Piotroski F
3
Altman Z
0.7
P / FCF
-4.8
EV / EBITDA
—
- High revenue growth consistency
- Positive net margin
Are the smart people buying?
Mixed57
No ownership-change data for this stock. Conviction is judged from capex and buyback signals alone.
Capex growth 32.9%Ownership-change data not available for this stock.
- Strong promoter/insider stake
- High institutional ownership
- Significant capex growth
What is management saying?
No earnings-call transcript or filings found for this stock.
Is the price right?
DCF not meaningful here — no positive base FCF or share count — DCF not meaningful.
Through the masters' eyes
Each investor's numeric rules, checked against this stock's metrics: exact math, no guesswork. Tap one to see which rules pass, fail, and what to judge yourself.
Scoring this stock against the masters' frameworks…
Financial statements (INR)
↗ sourceCash-flow lines highlighted — we trust cash over reported profit.
| Line | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | 171.55B | 136.58B | 99.39B | 71.45B | — |
| Operating income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| Net income | 52.33B | 42.63B | 34.20B | 26.65B | — |
| Operating cash flow | -300.21B | -324.13B | -356.83B | -271.05B | — |
| Capex | -2.65B | -2.00B | -10.76B | -1.89B | — |
| Free cash flow | -302.86B | -326.13B | -367.59B | -272.94B | — |
| Total assets | 2.45T | 2.02T | 1.57T | 1.14T | — |
| Total equity | 304.58B | 236.69B | 195.93B | 143.46B | — |
| Total debt | 2.11T | 1.76T | 1.35T | 975.24B | — |
| Cash & equivalents | 146.95B | 65.21B | 22.36B | 19.92B | — |
Technical entry
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