CompanyGraph
Cholamandalam Financial Holdings Limited
CHOLAHLDNG · NSE India · India
cholafhl.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 $3.1B, above the global median of $1.15B
- FinancialsLow earnings quality
- Interpretations1 currently firing — 1
Sign in to view price data.
Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
0.08%Above 5Y avg (0.07%)
Annual Rate
INR 1.30Paid annual
Payout Ratio
1.0%Sustainable
Last Ex-Dividend
Aug 6, 2026
The reported statements, read against the company's own industry.
What stands out
- Returns appear driven by leverage
Financials view
Market Capitalization
295.49BINR3.10B · vs all stocks (USD)
Trailing P/E
12.11xvs Credit Services peers
Revenue (TTM)
211.42BINR2.22B · vs all stocks (USD)
Profit Margin
11.55%vs Credit Services peers
Beta
0.3890xvs all stocks
52-Week Change
-25.63%vs all stocks
Market Capitalization
295.49BINR3.10B · vs all stocks (USD)
Enterprise Value
2.42TINR25.39B · vs all stocks (USD)
Trailing P/E
12.11xvs Credit Services peers
Forward P/E
7.83xvs Credit Services peers
Price to Sales (TTM)
1.40xvs Credit Services peers
Price to Book (MRQ)
1.91xvs Credit Services peers
Enterprise to Revenue
11.44xvs Credit Services peers
Enterprise to EBITDA
33.79xvs Credit Services peers
Gross Margin
37.06%vs Credit Services peers
Profit Margin
11.55%vs Credit Services peers
Operating Margin
37.15%vs Credit Services peers
Return on Assets (TTM)
2.23%vs Credit Services peers
Return on Equity (TTM)
18.04%vs Credit Services peers
Revenue (TTM)
211.42BINR2.22B · vs all stocks (USD)
Revenue per Share (TTM)
1.13KINRUpdated Jul 19, 2026Quarterly Revenue Growth
15.20%vs Credit Services peers
Gross Profit (TTM)
158.54BINR1.67B · vs all stocks (USD)
EBITDA (TTM)
66.35BINR696.85M · vs all stocks (USD)
Net Income (TTM)
24.41BINR256.41M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
12.00%vs Credit Services peers
Operating Cash Flow (TTM)
-300.33BINR-3.15B · vs all stocks (USD)
Levered Free Cash Flow (TTM)
24.41BINR256.41M · vs all stocks (USD)
Trailing Annual Dividend Rate
1.30INRUpdated Jul 19, 2026Trailing Annual Dividend Yield
0.08%vs all stocks
5-Year Average Dividend Yield
0.07%vs all stocks
Payout Ratio
1.00%vs Credit Services peers
Minority Interest (Equity)
184.26BINRFY2026 · Mar 31, 2026Revenue
408.52BINRFY2026 · Mar 31, 2026Cost of Goods Sold
266.62BINRFY2026 · Mar 31, 2026Gross Profit
141.90BINRFY2026 · Mar 31, 2026Operating Income
68.23BINR716.61M · vs all stocks (USD)
Pre-tax Income
73.33BINRFY2026 · Mar 31, 2026Income Tax Expense
18.48BINRFY2026 · Mar 31, 2026Net Income
54.85BINRFY2026 · Mar 31, 2026EBIT
68.23BINRFY2026 · Mar 31, 2026EBITDA (Income Statement)
71.55BINRFY2026 · Mar 31, 2026Other Operating Expenses
75.55BINRFY2026 · Mar 31, 2026Minority Interests (P&L)
-30.44BINRFY2026 · Mar 31, 2026Preferred Stock Dividends
0.00INRFY2026 · Mar 31, 2026Operating Cash Flow
-256.71BINRFY2026 · Mar 31, 2026Free Cash Flow
-260.03BINRFY2026 · Mar 31, 2026Cash & Cash Equivalents (End of Period)
84.75BINRFY2026 · Mar 31, 2026Starting Profit (CF Statement)
73.26BINRFY2026 · Mar 31, 2026Stock-based Compensation
840.90MINRFY2026 · Mar 31, 2026Other Non-cash Items
122.70BINRFY2026 · Mar 31, 2026Change in Accounts Receivable (CF)
-453.28BINRFY2026 · Mar 31, 2026Change in Other Assets/Liabilities
-220.80MINRFY2026 · Mar 31, 2026Capital Expenditures
-3.32BINRFY2026 · Mar 31, 2026Purchase of Investments
-21.97BINRFY2026 · Mar 31, 2026Net Investing Cash Flow
-25.28BINRFY2026 · Mar 31, 2026Long-term Debt Issuance
1.62TINRFY2026 · Mar 31, 2026Long-term Debt Payments
-1.27TINRFY2026 · Mar 31, 2026Common Dividends Paid
-1.19BINRFY2026 · Mar 31, 2026Net Financing Cash Flow
358.13BINRFY2026 · Mar 31, 2026Shares Outstanding
187.78MSharesUpdated Jul 19, 2026Float Shares
99.39MSharesUpdated Jul 19, 2026% Held by Insiders
46.87%vs all stocks
% Held by Institutions
31.49%vs all stocks
Total Cash (MRQ)
166.77BINR1.75B · vs all stocks (USD)
Total Cash per Share (MRQ)
888.04INRUpdated Jul 19, 2026Total Debt (MRQ)
2.10TINR22.11B · vs all stocks (USD)
Total Debt to Equity (MRQ)
6.21xvs Credit Services peers
Current Ratio (MRQ)
63.94xvs Credit Services peers
Book Value per Share (MRQ)
822.93INRUpdated Jul 19, 2026Total Assets
2.68TINR28.18B · vs all stocks (USD)
Total Current Assets
747.94BINRFY2026 · Mar 31, 2026Total Liabilities
2.34TINRFY2026 · Mar 31, 2026Total Non-current Assets
1.94TINRFY2026 · Mar 31, 2026Total Non-current Liabilities
1.46TINRFY2026 · Mar 31, 2026Total Current Liabilities
881.27BINRFY2026 · Mar 31, 2026Cash
28.93BINRFY2026 · Mar 31, 2026Cash Equivalents
55.82BINRFY2026 · Mar 31, 2026Cash & Cash Equivalents
84.75BINRFY2026 · Mar 31, 2026Other Short-term Investments
89.65BINRFY2026 · Mar 31, 2026Accounts Receivable
3.27BINRFY2026 · Mar 31, 2026Accounts Payable
13.60BINRFY2026 · Mar 31, 2026Short-term Debt
775.74BINRFY2026 · Mar 31, 2026Other Current Liabilities
1.63BINRFY2026 · Mar 31, 2026Long-term Debt
1.33TINRFY2026 · Mar 31, 2026Other Non-current Liabilities
58.00MINRFY2026 · Mar 31, 2026Common Stock (Book)
187.80MINRFY2026 · Mar 31, 2026Retained Earnings
65.50BINRFY2026 · Mar 31, 2026Total Shareholders' Equity
338.80BINR3.56B · vs all stocks (USD)
52-Week Low
1.30KINRUpdated Jul 19, 202652-Week High
2.14KINRUpdated Jul 19, 202652-Week Change
-25.63%vs all stocks
Beta
0.3890xvs all stocks
50-Day MA
1.60KINRUpdated Jul 19, 2026200-Day MA
1.70KINRUpdated Jul 19, 2026Avg 10-Day Volume
167.27KSharesUpdated Jul 19, 2026Avg 30-Day Volume
170.57KSharesUpdated Jul 19, 2026Diluted EPS (TTM)
129.98INRUpdated Jul 19, 20261 interpretation 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 growing?
Multi-Year Revenue, Profit, And Income Growth
Revenue has risen in each of three years, gross profit in each of four, and it has made a profit in all five.
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.
Structural Tensions
Returns appear driven by leverageSignificant
Return on Equity: 0.18Debt-to-Equity: 6.21
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -4.37
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 $3.1B, above the global median of $1.15BNotable
Market cap (USD): 3,103,495,869.525Global Median: 1,146,734,693.424
Revenue is $2.22B, above the global median of $520.53MNotable
Revenue (USD): 2,220,592,488.432Global Median: 520,528,949.311
Levered free cash flow is $256.41M, above the global median of $16.24MNotable
Levered free cash flow (USD): 256,408,688.7Global Median: 16,239,329.704
Companies that share the same coordination system — how they create, deliver, or capture value.
FB Financial Corp
Tier 1RiskSpread-Based LeverageRuleFlow
Bank of Guiyang Co., Ltd.
Tier 1RiskSpread-Based LeverageRuleFlow
Provident Financial Services Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Optima Bank S.A.
Tier 1RiskSpread-Based LeverageRuleFlow
Guosheng Financial Holding Co., Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
Banco BBVA Argentina S.A.
Tier 1RiskSpread-Based LeverageRuleFlow
PNB Housing Finance Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
IIFL Finance Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
Minmetals Capital Co., Ltd.
Tier 1RiskSpread-Based LeverageFlowInterface
BNK Financial Group Inc.
Tier 1RiskSpread-Based LeverageRuleFlow
Companies that share active interpretations — structural patterns currently present in both stocks.
Lotte Rental Co., Ltd.
1 interpretationMulti-Year Revenue, Profit, And Income Growth
Y.D. More Investments Ltd.
1 interpretationMulti-Year Revenue, Profit, And Income Growth
Qingdao Choho Industrial Co., Ltd.
1 interpretationMulti-Year Revenue, Profit, And Income Growth