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Stock Research: Cholamandalam Investment and Finance

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Cholamandalam Investment and Finance

NSI:CHOLAFIN INE121A01024
44
  • Value
    14
  • Growth
    77
  • Safety
    Safety
    34
  • Combined
    55
  • Sentiment
    18
  • 360° View
    360° View
    44
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Company Description

Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company primarily engaged in financing. Its main businesses include Vehicle Finance, Loan against property, Home Loans, and Other Loans (consumer and small enterprise loans, secured business and personal loans, and SME loans). It also acts as a composite corporate agent for insurance. The company operates in India. In the last fiscal year, the company had a market cap of $15255 million, profits of $1551 million, revenue of $3006 million, and 46678 employees.

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ANALYSIS: With an Obermatt 360° View of 44 (better than 44% compared with alternatives), overall professional sentiment and financial characteristics for the stock Cholamandalam Investment and Finance are below the industry average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Cholamandalam Investment and Finance. The consolidated Growth Rank has a good rank of 77, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth, as well as stock returns. It ranks higher than 77% of competitors in the same industry. The other indicators are below average, namely the Value, Safety, and Sentiment Ranks.The Value Rank at 14 means that the share price of Cholamandalam Investment and Finance is on the high side compared with its peers regarding revenues, profits, and invested capital. The stock price is higher than for 86% of alternative stocks in the same industry. The consolidated Safety Rank has a riskier rank of 34, which means that the company has a riskier financing structure than 66% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. The consolidated Sentiment Rank also has a low rank of 18, indicating professional investors are more pessimistic about the stock than for 82% of alternative investment opportunities. ...read more

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Strongest Rank Leverage
Weakest Rank Revenue Growth
Country India
Industry Consumer Finance
Size X-Large
Website cholamandalam.com
Index
Cholamandalam Investment and Finance stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
14 13 11 21
Growth
77 99 100 79
Safety
Safety
34 8 4 23
Sentiment
18 33 58 34
360° View
360° View
44 18 38 12
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Metrics Current 2025 2024 2023
Analyst Opinions
36 67 54 84
Opinions Change
50 32 50 37
Pro Holdings
n/a 19 36 8
Market Pulse
4 50 67 48
Sentiment
18 33 58 34
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Metrics Current 2025 2024 2023
Value
14 13 11 21
Growth
77 99 100 79
Safety Safety
34 8 4 23
Combined
55 18 23 18
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
20 16 11 25
Price vs. Earnings (P/E)
16 13 11 27
Price vs. Book (P/B)
14 17 16 25
Dividend Yield
47 18 12 20
Value
14 13 11 21
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Metrics Current 2025 2024 2023
Revenue Growth
97 93 94 56
Profit Growth
79 77 71 58
Capital Growth
14 80 81 100
Stock Returns
44 77 91 63
Growth
77 99 100 79
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Metrics Current 2025 2024 2023
Leverage
1 4 4 4
Refinancing
1 86 37 70
Liquidity
23 9 30 51
Safety Safety
34 8 4 23

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Frequently Asked
Questions

The only positive is high growth. The stock is expensive (low Value Rank), risky to finance, and carries critical professional sentiment. This is a risky proposition. Avoid unless you have exceptional conviction that the growth alone will overcome the price and financial risks.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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