Fact based stock research
Cholamandalam Financial Holdings (BSE:504973)

INE149A01033

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Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

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Cholamandalam Financial Holdings stock research in summary

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ANALYSIS: With an Obermatt Combined Rank of 63 (better than 63% compared with investment alternatives), Cholamandalam Financial Holdings (Consumer Finance, India) shares have above-average financial characteristics compared with similar stocks. Shares of Cholamandalam Financial Holdings are low in value (priced high) with a consolidated Value Rank of 46 (worse than 54% of alternatives) and show below-average growth (Growth Rank of 45) but are safely financed (Safety Rank of 71), which means low debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 63, is a buy recommendation based on Cholamandalam Financial Holdings's financial characteristics. As the company Cholamandalam Financial Holdings's critical financial metrics exhibit below-average performance, such as low value (Obermatt Value Rank of 46) and low growth (Obermatt Growth Rank of 45), it is a somewhat questionable stock investment, where the risk of paying too much for the shares is significant, unless the company has an exceptionally bright future. In this case, good financing practices (Obermatt Safety Rank of 71) are a positive sign, because it may allow the company to weather challenging times until the hoped-for cash flows materialize. This may be true for high-tech or biotechnology companies with enough cash to sustain prolonged business development. If they own properties that only provide cash flows in the future, the stock may look excessively expensive and unattractive today. In such cases, the Obermatt Method has limited value, as it is based on facts we can observe today. If the facts lie all in the future, stock investing becomes guesswork, and this should only be a driver in a limited number of investments that account for a small fraction of a safe portfolio. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	46
Growth Rank	45
Safety Rank	71
Combined Rank	63

Country	India
Industry	Consumer Finance
Index	Good Governace Growth Markets
Size class	Small

This stock has achievements: Top 10 Stock.

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Cholamandalam Financial Holdings

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	37	47	57	46
GROWTH
GROWTH	11	83	61	45
SAFETY
SAFETY	38	51	54	71
SENTIMENT
SENTIMENT	95	52	75	^new
360° VIEW
360° VIEW	47	88	92	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Cholamandalam Financial Holdings is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	37	47	57	46
GROWTH
GROWTH	11	83	61	45
SAFETY
SAFETY	38	51	54	71
COMBINED
COMBINED	4	79	77	63

Last update of combined financial performance: 31-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Cholamandalam Financial Holdings the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 46 (worse than 54% compared with alternatives), Cholamandalam Financial Holdings shares are more expensive than the average comparable stock. The Value Rank is based on consolidating four value indicators, where the majority of metrics are below, and only one is above average for Cholamandalam Financial Holdings. Price-to-Sales (P/S) is 83, which means that the stock price compared with what market professionals expect for future sales is lower than 83% of comparable companies, indicating a good value concerning to Cholamandalam Financial Holdings's revenue size. But all other performance indicators point in a different direction. Dividend yields have a Dividend Yield rank of 15, meaning that dividends are expected to be lower than for 85% of comparable investments. Furthermore, Price-to-Book Capital (also referred to as market-to-book ratio) is less favorable than 79% of alternatives (only 21% of peers have an even higher ratio). The same is valid for Price-to-Profit (or Price / Earnings, P/E), which is higher than for 58% of comparable companies, making the stock more expensive compared with the company's expected profit levels. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 46, is a hold recommendation based on Cholamandalam Financial Holdings's stock price compared with the company's operational size and dividend yields. Since Price-to-Sales is a stable value indicator even in challenging times, investing in Cholamandalam Financial Holdings could be seen as a value investment. However, there must be a good reason for the low market-to-book rank. If the company has a typical capital investment practice, the stock may be overvalued because the profit and dividend-related performance indicators are also low. The stock is only good value if investors can expect profits and dividends to pick up in the future. Else, Cholamandalam Financial Holdings looks like an expensive investment today. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is especially important in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	65	79	83	83
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	48	46	69	42
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	20	36	34	21
DIVIDEND YIELD
DIVIDEND YIELD	21	21	23	15
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	37	47	57	46

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Cholamandalam Financial Holdings; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 45 (better than 45% compared with alternatives), Cholamandalam Financial Holdings shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with half of the indicators below and half above average for Cholamandalam Financial Holdings. Sales Growth has a rank of 89 which means that currently professionals expect the company to grow more than 89% of its competitors. Stock Returns are also above average with a rank of 77. But Capital Growth has only a rank of 40, which means that currently professionals expect the company to grow its invested capital less than 60% of its competitors. Profit Growth is also low, with a rank of only 4, which means that, currently, professionals expect the company to grow its profits below average. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 45, is a hold recommendation for growth and momentum investors. This is a surprising picture, as the messages from the operating growth indicators of revenues, profits, and invested capital are mixed, while stock returns are above average. It may indicate new intellectual properties, such as brand improvement or a strong market position that shows in revenues but not in the capital. The low profit-growth rate may indicate an early phase where costs are still high, and revenues don't fully cover upfront investments or fixed costs. The positive investor outlook with a 77% peer outperformance is reaffirmed in this case which may be a good sign for an investment into a well-protected high-growth company. This fact needs to be confirmed by researching the company website and press. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	13	85	89	89
PROFIT GROWTH
PROFIT GROWTH	8	19	6	4
CAPITAL GROWTH
CAPITAL GROWTH	38	74	64	40
STOCK RETURNS
STOCK RETURNS	51	93	89	77
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	11	83	61	45

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Cholamandalam Financial Holdings.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 71 (better than 71% compared with alternatives), the company Cholamandalam Financial Holdings has financing practices on the safer side, which mean that their overall debt burden is lower than average. This doesn't mean that the business of Cholamandalam Financial Holdings is safe, it only means that the company is on the safer side regarding possible bankruptcy, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with two out of three indicators above-average for Cholamandalam Financial Holdings. Refinancing is at 89, meaning the portion of the debt that is about to be refinanced is below average. It has less debt in the refinancing stage than 89% of its competitors. Liquidity is also good at 67, meaning the company generates more profit to service its debt than 67% of its competitors. This indicates that the company is safer when it comes to debt service. However, Leverage is rather large at 4, which means the company has an above-average debt-to-equity ratio. It has more debt than 96% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 71 (better than 71% compared with alternatives), Cholamandalam Financial Holdings has a financing structure that is safer than that of its competitors. This is not bad if things go well. The higher debt level means better returns to shareholders if things go well. Many top-performing companies operate with higher debt levels, and Cholamandalam Financial Holdings could be in that group. But if you expect the environment to turn rougher, the higher leverage could become a problem. The same is valid if you expect interest rates to rise. That could squeeze shareholder returns, which so far have benefitted from better conditions. In the long-term, investors may have a debt challenge with Cholamandalam Financial Holdings and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	6	6	6	4
REFINANCING
REFINANCING	89	89	87	89
LIQUIDITY
LIQUIDITY	45	54	56	67
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	38	51	54	71

Last update of Safety Rank: 31-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Cholamandalam Financial Holdings and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	89	95	^new
OPINIONS CHANGE
OPINIONS CHANGE	50	50	50	^new
PRO HOLDINGS
PRO HOLDINGS	61	43	25	^new
MARKET PULSE
MARKET PULSE	62	13	61	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	95	52	75	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Cholamandalam Financial Holdings.
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