NSE/CHOLAFIN (NSE/CHOLAFIN)

National Stock Exchange of India: NSE/CHOLAFIN · INR

₹1,545

+76.24 (+5.2%)· Recorded snapshot

Market cap	1.3T
Revenue (ttm)	152B
Net income (ttm)	62.2B
EPS (ttm)	₹67.7
P/E (trailing)	22.8x
P/E (forward)	17.5x
Dividend	₹2.00 (0.13%)
Volume	3,209,085
Beta	0.49

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 152B
Net income (ttm): 62.2B
EPS (ttm): ₹67.7
P/E (trailing): 22.8x
P/E (forward): 17.5x
Market cap: 1.3T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E17.5

P25 n/aP50 n/aP75 n/a

Trailing P/E22.8

P25 n/aP50 n/aP75 n/a

ROE20.6

P25 n/aP50 n/aP75 n/a

ROIC2.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All NSE/CHOLAFIN indicators

Market & fundamental data

Available fields

220

Groups with data

Currency

INR

Showing 220 of 220 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	INR
Country	India
Country code	IN
Earnings date	2026-10-28
Employees	51,320
Employees change	4,642
Employees growth	9.94%
Exchange	National Stock Exchange of India
Financial currency	INR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	March
Founded	1978
Industry	Credit Services
Is primary listing	No
ISIN number	INE121A01024
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split date	2019-06-14
Last stock split type	Forward
Market cap	INR 1.3T
Next earnings date	2026-10-28
Price	INR 1,545.20
Price currency	INR
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	nse/CHOLAFIN
Website	https://www.cholamandalam.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	21.2x
Average P/E ratio (10Y)	24.43x
Average P/E ratio (3Y)	28.67x
Average P/E ratio (5Y)	27.86x
Earnings yield	4.38%
FCF yield	-30.38%
Forward P/E	17.46x
Graham number	813.95477
Graham upside	-47.32%
Industry forward P/E	11.14x
Industry P/E	12.93x
Lynch fair value	INR 1,820.95
Lynch upside	17.85%
P/B ratio	3.82x
P/E ratio	22.81x
P/S ratio	8.68x
Price / tangible book value	3.83x
Sector forward P/E	12.05x
Sector P/E	13.34x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	24.96%
Gross margin	99.94%
Operating margin	54.49%
Pretax margin	54.54%
Profit margin	40.93%
Profit per employee	INR 1.2M
Profitable quarters	63
Profitable years	17
Revenue per employee	INR 3M
ROA	2.56%
ROA (5Y)	2.54%
ROE	20.58%
ROE (5Y)	19.95%
ROIC	2.44%
ROIC (5Y)	2.57%
SBC / revenue	0.53%
Tax / revenue	13.61%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	32.51%
EPS growth (Q)	38.62%
EPS growth (QoQ)	-1.75%
EPS growth 10Y	23.75%
EPS growth 3Y	25.79%
EPS growth 5Y	30.37%
EPS growth quarters	15
EPS growth years	6
Net income growth	33.94%
Net income growth (Q)	40.59%
Net income growth (QoQ)	-1.56%
Net income growth 3Y	27.2%
Net income growth 5Y	31.31%
Net income growth quarters	15
Net income growth years	6
Operating income growth	33.24%
Operating income growth (Q)	95.65%
Operating income growth 3Y	26.32%
Operating income growth 5Y	31.06%
Revenue growth	28.14%
Revenue growth (Q)	64.46%
Revenue growth (QoQ)	28.86%
Revenue growth 10Y	22.32%
Revenue growth 3Y	27.79%
Revenue growth 5Y	23.38%
Revenue growth quarters	59
Revenue growth years	16

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	INR -5.5B
Depreciation and amortization	INR 2.8B
EPS	INR 67.74
Financing cash flow	INR 444.3B
Free cash flow	INR -400.9B
Free cash flow minus SBC	INR -401.7B
Gross profit	INR 151.9B
Income taxes	INR 20.7B
Investing cash flow	INR -27.4B
Net borrowing	INR 430.9B
Net cash flow	INR 21.4B
Net income	INR 62.2B
Operating cash flow minus SBC	INR -396.3B
Operating income	INR 82.8B
Revenue	INR 152B
Stock-based compensation	INR 801.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	INR 404.34
Debt / equity	6.72
Net cash (debt)	INR -2.2T
Net cash / market cap	-163.89%
Net debt / equity	6.26
Piotroski F-Score	4
Property, plant and equipment	INR 23.6B
Shareholders' equity	INR 345.3B
Tangible book value	INR 344.9B
Tangible book value per share	INR 403.88
Total assets	INR 2.7T
Total cash	INR 156.6B
Total debt	INR 2.3T
Total liabilities	INR 2.4T
WACC	2.52%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.06
Current ratio	147.36
Quick ratio	146.81
Working capital	INR 2.6T
Working capital turnover	0.07

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-1.08%
Dividend growth	0%
Dividend growth (10Y)	8.31%
Dividend growth (3Y)	0%
Dividend growth (5Y)	0%
Dividend growth years	0
Dividend payment date	2026-08-26
Dividend payment years	17
Dividend payout frequency	Semi-Annual
Dividend per share	INR 2.00
Dividend yield	0.13%
Ex-dividend date	2026-07-21
Last dividend	INR 0.70
Payout ratio	2.74%
Shareholder yield	-0.95%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	578.23%
10Y return CAGR	21.52%
10Y total return	601.76%
150-day SMA	INR 1,668.24
15Y price change	4,899.03%
15Y return CAGR	30.54%
15Y total return	5,345.45%
1D price change	5.19%
1M price change	-7.07%
1M total return	-7.07%
1W price change	-0.5%
1W total return	-0.5%
1Y price change	-10.81%
1Y return CAGR	-10.71%
1Y total return	-10.7%
20-day SMA	INR 1,560.23
200-day SMA	INR 1,669.39
20Y price change	4,969.55%
20Y return CAGR	23.23%
20Y total return	6,418.21%
3M price change	-13.44%
3M total return	-13.44%
3Y price change	32.29%
3Y return CAGR	9.93%
3Y total return	32.84%
50-day SMA	INR 1,713.96
50-day SMA vs 200-day SMA	50over200
52-week high	INR 1,952.50
52-week high date	2026-08-06
52-week low	INR 1,299.40
52-week low date	2026-04-02
5Y price change	147.83%
5Y return CAGR	20.13%
5Y total return	150.15%
6M price change	-0.99%
6M total return	-0.95%
All-time high	INR 1,952.50
All-time high date	2026-08-06
All-time low	INR 4.20
All-time low date	2009-02-27
Average true range (ATR)	INR 51.67
Average volume	1.7M
Beta (5Y)	0.49
Change from 52-week high	-20.86%
Change from 52-week low	18.92%
Change from all-time high	-20.86%
Change from all-time low	36,690.48%
Change from open	5.19%
Day's gap	0%
Dollar volume	INR 5B
High price	INR 1,557.10
Low price	INR 1,451.20
Monthly RSI	50.62
Open price	INR 1,469.00
Position in 52-week range	88.76%
Previous close	INR 1,469.00
Price vs 150-day SMA	-7.38%
Price vs 20-day SMA	-0.96%
Price vs 200-day SMA	-7.44%
Price vs 50-day SMA	-9.85%
Relative volume	1.86
RSI	43.11
Sharpe ratio	-0.18
Sharpe ratio (3Y)	0.25
Sharpe ratio (5Y)	0.66
Sortino ratio	-0.1
Sortino ratio (3Y)	0.59
Sortino ratio (5Y)	1.2
Volume	3.2M
Weekly RSI	40.81
YTD price change	-9.22%
YTD total return	-9.12%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	434.1M
Shares change (QoQ)	0.19%
Shares change (YoY)	1.08%
Shares held by insiders	0.84%
Shares held by institutions	34.3%

Deeper analysis on NSE/CHOLAFIN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this NSE/CHOLAFIN report

Is a complete NSE/CHOLAFIN research report available?

No complete published report is available for nse/CHOLAFIN (NSE/CHOLAFIN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

NSE/CHOLAFIN (NSE/CHOLAFIN)

Price

Financial snapshot

Fair-value bridge

Latest news · NSE/CHOLAFIN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All NSE/CHOLAFIN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on NSE/CHOLAFIN

Frequently asked questions