Cholamandalam Investment and Finance Company Limited
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
Key metrics
Price as of 2026-07-17
Stock price
₹1804.90
Market cap
1,53,617 Cr
Stock P/E
28.5
P/B
5.04
Dividend yield
0.1%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024Standalone only | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | 2,574 Cr | — | 2,892 Cr | — | — | — | — | — |
| Other income | 89 Cr | 161 Cr | 209 Cr | 280 Cr | 44 Cr | 112 Cr | 104 Cr | 91 Cr | 86 Cr | 122 Cr | 110 Cr | 147 Cr |
| Net operating income | 89 Cr | 161 Cr | 209 Cr | 280 Cr | 2,618 Cr | 112 Cr | 2,996 Cr | 91 Cr | 86 Cr | 122 Cr | 110 Cr | 147 Cr |
| Employee cost | 371 Cr | 1,009 Cr | 1,703 Cr | 2,479 Cr | 694 Cr | 1,500 Cr | 893 Cr | 934 Cr | 936 Cr | 1,073 Cr | 1,094 Cr | 1,092 Cr |
| Other expenses | 427 Cr | 777 Cr | 1,135 Cr | 1,590 Cr | 451 Cr | 918 Cr | 481 Cr | 451 Cr | 468 Cr | 490 Cr | 550 Cr | 658 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 39 Cr | 77 Cr | 123 Cr | 198 Cr | 59 Cr | 122 Cr | 59 Cr | 64 Cr | 67 Cr | 71 Cr | 74 Cr | 72 Cr |
| Profit before tax | 956 Cr | 2,021 Cr | 3,177 Cr | 4,605 Cr | 1,275 Cr | 2,579 Cr | 1,465 Cr | 1,698 Cr | 1,531 Cr | 1,565 Cr | 1,735 Cr | 2,142 Cr |
| Tax % | 25.4% | 26.3% | 25.7% | 25.9% | 25.7% | 25.8% | 25.8% | 25.9% | 25.7% | 26.0% | 25.7% | 23.2% |
| Net profit | 710 Cr | 1,483 Cr | 2,355 Cr | 3,420 Cr | 947 Cr | 1,915 Cr | 1,088 Cr | 1,260 Cr | 1,138 Cr | 1,160 Cr | 1,290 Cr | 1,645 Cr |
| EPS (₹) | ₹8.64 | ₹18.03 | ₹28.45 | ₹41.17 | ₹11.27 | ₹22.79 | ₹12.95 | ₹14.98 | ₹13.53 | ₹13.78 | ₹15.29 | ₹19.33 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019Standalone only | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | 6,335 Cr | 8,396 Cr | — | — | Sign in for TTM |
| Other income | 21 Cr | 0.62 Cr | 4 Cr | 91 Cr | 221 Cr | 280 Cr | 307 Cr | 466 Cr | Sign in for TTM |
| Net operating income | 21 Cr | 0.62 Cr | 4 Cr | 91 Cr | 6,556 Cr | 8,677 Cr | 307 Cr | 466 Cr | Sign in for TTM |
| Employee cost | 605 Cr | 700 Cr | 792 Cr | 957 Cr | 1,360 Cr | 2,479 Cr | 3,328 Cr | 4,195 Cr | Sign in for TTM |
| Other expenses | 1,027 Cr | 824 Cr | 744 Cr | 1,088 Cr | 1,412 Cr | 1,590 Cr | 1,850 Cr | 2,166 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 57 Cr | 111 Cr | 102 Cr | 101 Cr | 121 Cr | 198 Cr | 245 Cr | 284 Cr | Sign in for TTM |
| Profit before tax | 1,832 Cr | 1,588 Cr | 2,048 Cr | 2,908 Cr | 3,615 Cr | 4,605 Cr | 5,741 Cr | 6,973 Cr | Sign in for TTM |
| Tax % | 34.6% | 33.6% | 25.7% | 25.8% | 25.9% | 25.9% | 25.8% | 25.0% | Sign in for TTM |
| Net profit | 1,197 Cr | 1,054 Cr | 1,521 Cr | 2,154 Cr | 2,665 Cr | 3,420 Cr | 4,263 Cr | 5,233 Cr | Sign in for TTM |
| EPS (₹) | ₹76.56 | ₹13.39 | ₹18.55 | ₹26.24 | ₹32.44 | ₹41.17 | ₹50.72 | ₹61.98 | Sign in for TTM |
| Dividend payout % | — | — | — | 7.6% | 6.2% | 4.9% | 3.9% | 3.2% | Sign in for TTM |
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Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019Standalone only | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 156 Cr | 164 Cr | 164 Cr | 164 Cr | 164 Cr | 168 Cr | 168 Cr | 170 Cr |
| Reserves | 6,209 Cr | — | — | — | 14,182 Cr | 19,425 Cr | 23,500 Cr | 30,288 Cr |
| Borrowings | — | 43,273 Cr | 47,182 Cr | 52,005 Cr | 73,186 Cr | 1,04,511 Cr | 1,33,792 Cr | 1,56,543 Cr |
| Other liabilities | 51,094 Cr | 20,612 Cr | 27,298 Cr | 30,310 Cr | 26,095 Cr | 32,582 Cr | 44,426 Cr | 58,447 Cr |
| Total liabilities | 57,426 Cr | 64,049 Cr | 74,644 Cr | 82,479 Cr | 1,13,627 Cr | 1,56,686 Cr | 2,01,887 Cr | 2,45,448 Cr |
| Fixed assets (net) | — | — | — | — | 375 Cr | 1,539 Cr | 1,754 Cr | 1,839 Cr |
| CWIP | — | — | — | — | 36 Cr | 0.0000 Cr | 4 Cr | 28 Cr |
| Investments | — | 33 Cr | 1,583 Cr | 2,055 Cr | 3,584 Cr | 4,073 Cr | 6,367 Cr | 6,646 Cr |
| Other assets | — | 15 Cr | 57 Cr | 71 Cr | 1,011 Cr | 1,060 Cr | 5,484 Cr | 8,642 Cr |
| Total assets | 57,426 Cr | 64,049 Cr | 74,644 Cr | 82,479 Cr | 1,13,627 Cr | 1,56,686 Cr | 2,01,887 Cr | 2,45,448 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019Standalone only | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | -5,571 Cr | -27,105 Cr | -35,683 Cr | -32,413 Cr | -30,021 Cr |
| Cash from investing | — | — | — | 1,640 Cr | -2,148 Cr | -2,855 Cr | -2,948 Cr | -2,554 Cr |
| Cash from financing | — | — | — | 5,150 Cr | 27,466 Cr | 38,471 Cr | 39,795 Cr | 35,610 Cr |
| Net cash flow | — | — | — | 1,218 Cr | -1,787 Cr | -66 Cr | 4,434 Cr | 3,035 Cr |
| Free cash flow (OCF − Capex) | — | — | — | -5,628 Cr | -27,248 Cr | -36,759 Cr | -32,613 Cr | -30,286 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019Standalone only | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 85.1% | 14.2% | 14.0% | 13.8% | 10.4% | 10.9% | 11.6% | 11.4% |
| ROE % | 18.8% | 642.6% | 927.0% | 0.0% | 18.6% | 17.5% | 18.0% | 17.2% |
| Debtor days | — | 1 | 2 | 3 | 3 | 4 | 3 | 4 |
| Inventory days | — | — | — | — | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — | — |
| Cash conversion cycle | — | 1 | 2 | 3 | 3 | 4 | 3 | 4 |
| Debt / equity | — | 263.89 | 287.57 | 316.56 | 5.10 | 5.33 | 5.65 | 5.14 |
| Current ratio | — | — | — | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 6.88 | 7.02 | 7.12 | 7.80 | 7.54 | 6.95 | 6.85 |
Compare with peers
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