CompanyGraph
Cholamandalam Investment and Finance Company Ltd.
CHOLAFIN · India
cholamandalam.comFinancials as of FY2026
What stands out
- Returns appear driven by leverage
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleMarket cap is $16.21B, above the global median of $1.15B
- PositionOperating margin is 55.3%, higher than 95% of its Credit Services peers (median 25.6%)
- Interpretations5 currently firing — 5
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
0.14%Below 5Y avg (0.20%)
Annual Rate
INR 2.60Paid semi-annual
Payout Ratio
3.2%Sustainable
Last Ex-Dividend
Jul 20, 2026
The reported statements, read against the company's own industry.
What stands out
- Returns appear driven by leverage
Financials view
Market Capitalization
1.54TINR16.21B · vs all stocks (USD)
Trailing P/E
29.24xvs Credit Services peers
Revenue (TTM)
131.73BINR1.38B · vs all stocks (USD)
Profit Margin
39.72%vs Credit Services peers
Beta
0.5240xvs all stocks
52-Week Change
14.78%vs all stocks
Forward Annual Dividend Yield
0.14%vs all stocks
Market Capitalization
1.54TINR16.21B · vs all stocks (USD)
Enterprise Value
3.56TINR37.36B · vs all stocks (USD)
Trailing P/E
29.24xvs Credit Services peers
Forward P/E
18.76xvs Credit Services peers
PEG Ratio
0.5935xvs Credit Services peers
Price to Sales (TTM)
11.71xvs Credit Services peers
Price to Book (MRQ)
5.05xvs Credit Services peers
Enterprise to Revenue
27.00xvs Credit Services peers
Profit Margin
39.72%vs Credit Services peers
Operating Margin
55.32%vs Credit Services peers
Return on Assets (TTM)
2.34%vs Credit Services peers
Return on Equity (TTM)
19.33%vs Credit Services peers
Revenue (TTM)
131.73BINR1.38B · vs all stocks (USD)
Revenue per Share (TTM)
156.03INRUpdated Jul 19, 2026Quarterly Revenue Growth
24.80%vs Credit Services peers
Gross Profit (TTM)
131.63BINR1.38B · vs all stocks (USD)
EBITDA (TTM)
0.00INRvs all stocks (USD)
Net Income (TTM)
52.33BINR549.58M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
30.60%vs Credit Services peers
Operating Cash Flow (TTM)
-300.21BINR-3.15B · vs all stocks (USD)
Levered Free Cash Flow (TTM)
52.33BINR549.58M · vs all stocks (USD)
Forward Annual Dividend Rate
2.60INRUpdated Jul 19, 2026Forward Annual Dividend Yield
0.14%vs all stocks
Trailing Annual Dividend Rate
2.00INRUpdated Jul 19, 2026Trailing Annual Dividend Yield
0.11%vs all stocks
5-Year Average Dividend Yield
0.20%vs all stocks
Payout Ratio
3.23%vs Credit Services peers
Revenue
167.52BINRFY2026 · Mar 31, 2026Pre-tax Income
69.73BINRFY2026 · Mar 31, 2026Income Tax Expense
17.44BINRFY2026 · Mar 31, 2026Net Income
52.33BINRFY2026 · Mar 31, 2026Selling, General & Administrative
3.23BINRFY2026 · Mar 31, 2026Other Operating Expenses
17.08BINRFY2026 · Mar 31, 2026EPS (Basic)
61.98INRFY2026 · Mar 31, 2026EPS (Diluted)
61.83INRFY2026 · Mar 31, 2026Basic Shares Outstanding
844.24MSharesFY2026 · Mar 31, 2026Diluted Shares Outstanding
844.24MSharesFY2026 · Mar 31, 2026Minority Interests (P&L)
0.00INRFY2026 · Mar 31, 2026Operating Cash Flow
203.34BINRFY2026 · Mar 31, 2026Free Cash Flow
200.92BINRFY2026 · Mar 31, 2026Cash & Cash Equivalents (End of Period)
83.15BINRFY2026 · Mar 31, 2026Starting Profit (CF Statement)
69.73BINRFY2026 · Mar 31, 2026Stock-based Compensation
840.90MINRFY2026 · Mar 31, 2026Other Non-cash Items
135.09BINRFY2026 · Mar 31, 2026Change in Accounts Receivable (CF)
-2.08BINRFY2026 · Mar 31, 2026Change in Other Assets/Liabilities
-244.30MINRFY2026 · Mar 31, 2026Capital Expenditures
-2.42BINRFY2026 · Mar 31, 2026Purchase of Investments
-1.62TINRFY2026 · Mar 31, 2026Sale of Investments
1.62TINRFY2026 · Mar 31, 2026Other Investing Activity
-21.49BINRFY2026 · Mar 31, 2026Net Investing Cash Flow
-25.54BINRFY2026 · Mar 31, 2026Long-term Debt Issuance
1.62TINRFY2026 · Mar 31, 2026Long-term Debt Payments
-1.27TINRFY2026 · Mar 31, 2026Common Dividends Paid
-1.70BINRFY2026 · Mar 31, 2026Net Financing Cash Flow
357.63BINRFY2026 · Mar 31, 2026Shares Outstanding
852.04MSharesUpdated Jul 19, 2026Float Shares
432.22MSharesUpdated Jul 19, 2026% Held by Insiders
49.20%vs all stocks
% Held by Institutions
36.71%vs all stocks
Total Cash (MRQ)
100.16BINR1.05B · vs all stocks (USD)
Total Cash per Share (MRQ)
117.55INRUpdated Jul 19, 2026Total Debt (MRQ)
2.12TINR22.24B · vs all stocks (USD)
Total Debt to Equity (MRQ)
6.95xvs Credit Services peers
Current Ratio (MRQ)
2.92xvs Credit Services peers
Book Value per Share (MRQ)
357.48INRUpdated Jul 19, 2026Total Assets
2.45TINR25.78B · vs all stocks (USD)
Total Liabilities
2.15TINRFY2026 · Mar 31, 2026Cash
197.50MINRFY2026 · Mar 31, 2026Cash & Cash Equivalents
108.90BINRFY2026 · Mar 31, 2026Accounts Payable
2.12BINRFY2026 · Mar 31, 2026Long-term Debt
2.12TINRFY2026 · Mar 31, 2026Common Stock (Book)
1.70BINRFY2026 · Mar 31, 2026Retained Earnings
125.64BINRFY2026 · Mar 31, 2026Total Shareholders' Equity
304.58BINR3.20B · vs all stocks (USD)
52-Week Low
1.30KINRUpdated Jul 19, 202652-Week High
1.87KINRUpdated Jul 19, 202652-Week Change
14.78%vs all stocks
Beta
0.5240xvs all stocks
50-Day MA
1.65KINRUpdated Jul 19, 2026200-Day MA
1.65KINRUpdated Jul 19, 2026Avg 10-Day Volume
38.36KSharesUpdated Jul 19, 2026Avg 30-Day Volume
143.98KSharesUpdated Jul 19, 2026Diluted EPS (TTM)
61.79INRUpdated Jul 19, 20265 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsIs this company financially stable?
Debt Financing Activity
More cash moved through borrowing and repaying than through the business itself, and most of its debt is long-term.
Reads
How does this company use capital?
Diagnostic
Elevated ROE With High Debt-to-Equity and Equity Multiplier
Return on equity reads high on a balance sheet carrying a lot of debt against that equity.
Reads
Cash-Flow Ratios Elevated
More of its sales turn into cash than in its industry, and less of that cash is consumed by reinvestment than at most of its peers.
Reads
FCF Ratios Elevated
Its free cash flow is large next to assets and equity, and more of its operating cash reaches it than in its industry.
Reads
Multi-Year FCF With Growth And Margin
Three years of positive free cash flow and rising revenue, four of rising equity, and much of its sales turns into cash.
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Operating margin is 55.3%, higher than 95% of its Credit Services peers (median 25.6%)Significant
Operating margin: 0.55Industry median: 0.26Industry P95: 0.54Peers compared: 72.00
Price-to-book is 5.05×, higher than 95% of its Credit Services peers (median 1.72×)Significant
Price-to-book: 5.05Industry median: 1.72Industry P95: 4.37Peers compared: 72.00
Structural Tensions
Returns appear driven by leverageSignificant
Return on Equity: 0.19Debt-to-Equity: 6.95
Financial Health
High earnings qualityNotable
Earnings Quality Score: 3.53
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Market cap is $16.21B, above the global median of $1.15BNotable
Market cap (USD): 16,206,003,518.485Global Median: 1,146,734,693.424
Revenue is $1.38B, above the global median of $520.53MNotable
Revenue (USD): 1,383,508,714.881Global Median: 520,528,949.311
Levered free cash flow is $549.58M, above the global median of $16.24MNotable
Levered free cash flow (USD): 549,581,028.3Global Median: 16,239,329.704
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