Company File · BSE 504973 · Latest filing Q1 FY27
Standalone = this company only. Consolidated = including its subsidiaries.
Cholamandalam Financial Holdings Limited
Data as of 19 Oct 2026 close · BSE · Latest results Q1 FY27
ISIN INE149A01033 · CHOLAHLDNG · Financial Services › Finance
About the business
What does Cholamandalam Financial Holdings do? It is a Murugappa group holding company. What is a holding company? A company that mainly owns stakes in other companies. Its main holdings are Cholamandalam Investment & Finance, a large lender for vehicles, homes & small businesses, & Cholamandalam MS General Insurance, a joint venture with Japan's Mitsui Sumitomo. Its value mainly comes from these stakes.
Price & valuation · BSE close, 19 Oct 2026
Below its usual level
Book value ₹1,804 a share
- Sales growth
- +19.5%
- Profit growth
- +42.0%
- Op. margin
- 57.5%
- Price/book
- 0.75×
- Usual P/B
- 1.0×
- ROE
- 18.0%
- Promoter
- 46.39%
- Pledged
- 0.02%
From the latest earnings call · Apr to Jun 2026 · transcript filed 20 Aug 2026
Chola MS reported Apr–Jun 2026 gross direct premium income of ₹1,860 crore, growing 2.6% amid industry headwinds in motor & health. Management is undertaking corrective measures in motor OD claims & health profitability while maintaining disciplined underwriting across all segments.
Is it expensive, and is it a good business?
Key ratios
In short Priced below its own usual level (P/B 0.75× vs 1.0×).
What you pay Valuation
Buyers pay about ₹10 for every ₹1 the company earned per share over the last year. Below its 1-year median of 12.7×.
Latest BSE close ÷ last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 19th October 2026.
The share price is 0.8 times the accounting value of each share. Below its 1-year median of 1.0×.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
The market values the company at 0.6 times its yearly sales.
Market value ÷ last 12 months' revenue. As of 19th October 2026.
Needs four consecutive quarters.
Enterprise value ÷ last 12 months' EBITDA. As of 19th October 2026.
The P/E of 9.6 divided by EPS growth of 12.3% (the latest financial year vs the year before). Below 1 is often read as cheap for the growth; above 2 as expensive.
P/E ÷ 12-month EPS growth in % (the last four quarters vs the four before; when those are not all held, the latest financial year vs the year before). Growth above 100% counts as 100%; left blank when EPS fell or was below ₹1 a share a year earlier. Without one-off items when either year has large ones, as for the P/E. As of 19th October 2026.
The company paid ₹1.30 a share in the last 12 months (1 payout), 0.10% of today's share price.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How well it uses money Returns & strength
Needs four consecutive quarters.
Last 12 months' profit before interest & tax ÷ average (equity + borrowings). As of 31st March 2026.
For every ₹100 of shareholders' money, the company earned about ₹18.0 in a year.
Last 12 months' profit after tax (continuing operations where reported) ÷ average equity. As of 31st March 2026.
Needs reported tax expense that reconciles with profit; not yet available for these periods.
Last 12 months' operating profit after tax (profit before interest & tax × (1 − effective tax rate)) ÷ average invested capital (equity + borrowings − cash & bank balances). As of 31st March 2026.
Every ₹1 of assets generated about ₹0.16 of sales in a year.
Last 12 months' revenue ÷ average total assets. As of 31st March 2026.
Operating profit covered interest costs about 2 times.
Last 12 months' profit before interest & tax ÷ finance costs. As of 30th June 2026.
Borrowings not reported separately.
Borrowings ÷ shareholders' equity on the latest balance-sheet date. As of 31st March 2026.
Who owns it Ownership & more
The founders or parent group own 46.39% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th September 2026.
Promoter holding fell by 0.04 percentage points last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th September 2026.
Promoter holding, quarter by quarter
- Sep 202646.39%
- Jun 202646.43%
- Mar 202646.38%
- Dec 202546.38%
- Sep 202546.42%
Promoters have pledged 0.02% of their shares (0.1 lakh shares), 0.01% of the company.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th September 2026.
Pledged, quarter by quarter
- Sep 20260.02%
- Jun 20260.02%
- Mar 20260.02%
- Dec 20250.02%
- Sep 20250.02%
After paying for new plant & equipment, operations left ₹-30,393 crore of cash.
Cash from operations − spending on plant & equipment, latest full year. As of 31st March 2026.
Free cash flow, year by year
- FY26₹-30,393 Cr
- FY25₹-34,543 Cr
Each share has a face (nominal) value of ₹1. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 18.78 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹25,556 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
No accepted balance sheet for this basis yet.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
The company reported ₹6,015 crore of profit over the last four quarters.
Sum of the last four quarters' reported profit after tax. As of 30th June 2026.
Each share earned about ₹142.11 over the last year.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 30th June 2026.
Each share is backed by about ₹1804 of net assets on the books.
Shareholders' equity ÷ shares. As of 31st March 2026.
About ₹55.6 of every ₹100 of sales was left after running costs.
EBITDA ÷ revenue over the last four quarters. As of 30th June 2026.
About ₹16.1 of every ₹100 of sales became profit last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 30th June 2026.
Sales were 19.5% higher than a year earlier.
Latest quarter's revenue vs the same quarter last year. As of 30th June 2026.
Profit was 42.0% higher than a year earlier.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 30th June 2026.
No accepted balance sheet for this basis yet.
Current assets ÷ current liabilities. As of 31st March 2026.
Needs four consecutive quarters.
Trade receivables ÷ last 12 months' revenue × 365. As of 31st March 2026.
Stock on hand equals about 0 days of sales.
Inventories ÷ last 12 months' revenue × 365. As of 31st March 2026.
6.4% of pre-tax profit came from other income (interest, dividends, gains).
Other income ÷ profit before tax, last 12 months. As of 30th June 2026.
Each ₹1 of profit brought in ₹-5.48 of operating cash.
Latest full year's cash from operations ÷ profit after tax. As of 31st March 2026.
No accepted balance sheet for this basis yet.
Cash & bank balances − borrowings. As of 31st March 2026.
The company paid about 25.2% of its pre-tax profit as tax.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 30th June 2026.
Everything the company owns earned 2.2% in a year.
Last 12 months' profit ÷ average total assets. As of 31st March 2026.
Operating profit before interest, depreciation & tax was ₹22,781 crore.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 30th June 2026.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
The company spent ₹360 crore on plant & equipment.
Purchase of property, plant & equipment, latest full year. As of 31st March 2026.
No accepted balance sheet for this basis yet.
Current + non-current borrowings. As of 31st March 2026.
Foreign institutions own 12.56%.
Foreign institutional holding from the latest shareholding pattern. As of 30th September 2026.
Domestic institutions own 27.77%.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th September 2026.
The highest price in the last year was ₹2,061.45.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 6th November 2025.
The lowest price in the last year was ₹1,305.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 23rd March 2026.
The share price moved -26.5% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
About 1% of the last year's earnings per share was paid out as dividends.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 30th June 2026.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 18.78 crore, from paid-up capital in the 19th October 2026 filing. Figures are consolidated.
What you pay: Higher numbers mean you pay more for each rupee the company earns or owns.
How well it uses money: Higher returns mean each rupee in the business earns more. Lower debt means less strain.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 4 quarters ₹ crore · Consolidated
| ₹ crore | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|
| Revenue from operations | 9,487 | 9,949 | 10,444 | 11,114 |
| EBITDA | 5,102 | 5,462 | 5,825 | 6,392 |
| Operating margin | 53.8% | 54.9% | 55.8% | 57.5% |
| Profit after tax | 1,214 | 1,386 | 1,626 | 1,789 |
| Basic EPS (₹) | 29.28 | 33.32 | 36.59 | 42.92 |
Latest filings BSE
Corporate announcements 3
- 18 Aug 2026Shareholder Meeting / Postal Ballot-Outcome of AGM
- 17 Aug 2026Shareholder Meeting / Postal Ballot-Scrutinizer''s ReportAGM
- 15 Aug 2026Shareholder Meeting / Postal Ballot-Outcome of AGM
Quarterly results 5
- 6 Oct 2026Board Meeting Intimation for Un-Audited Financial Results For The Quarter And Half-Year Ended September 30, 2026.
- 14 Aug 2026Press Release / Media Release
- 14 Aug 2026Results - Financial Results - 30-06-2026
Conference calls 3
- 15 Oct 2026Analyst / Investor Meet - Intimation
- 20 Aug 2026Earnings Call TranscriptOpens the call notes & transcript
- 14 Aug 2026Analyst / Investor Meet - Outcome
Investor presentations 1
- 14 Aug 2026Investor Presentation
Members see every filing, and what each means for the company in Corporate Intelligence.
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