profit from every ₹100 of sales.
₹0₹100
Cholamandalam Investment and Finance
₹1,850.00-0.64% today
+10.2% in 1 year
1-year low ₹1,354.701-year high ₹1,940.00
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹30.32 for every ₹1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Cholamandalam Investment and Finance sold, what it kept, and what it did with the cash.
Sales went from ₹71.5 billion in 2023 to ₹172 billion in 2026, with ₹52.3 billion of profit last year.
SalesProfit
Cholamandalam Investment and Finance vs. similar companies
Cholamandalam Investment and Finance grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Cholamandalam Investment and Finance | 30.3× · Expensive | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Cholamandalam Investment and Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 71,453 | 99,389 | 136,580 | 171,546 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 26,649 | 34,201 | 42,627 | 52,326 | |
| 32.38 | 41.06 | 50.60 | 61.83 | |
| – | – | – | – | |
| – | – | – | – | |
| 37.3% | 34.4% | 31.2% | 30.5% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 1,136,269 | 1,566,864 | 2,018,868 | 2,454,482 |
| Cash | 19,916 | 22,362 | 65,213 | 146,951 |
| Total debt | 975,244 | 1,348,478 | 1,755,947 | 2,110,696 |
| Total liabilities | 992,808 | 1,370,932 | 1,782,181 | 2,149,898 |
| 143,461 | 195,932 | 236,687 | 304,584 | |
| 823 | 833 | 842 | 846 | |
| – | – | – | – | |
| 18.6% | 17.5% | 18.0% | 17.2% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -271,051 | -356,829 | -324,132 | -300,208 | |
| 1,895 | 10,762 | 1,995 | 2,651 | |
| -272,945 | -367,591 | -326,127 | -302,859 | |
| Dividends paid | 1,643 | 1,668 | 1,681 | 1,695 |
| – | – | – | – | |
| 285 | 554 | 745 | 841 |
Valuation
- 30.3×
- –
- 1.26
- 4.1×
- 9.2×
- –
- –
- -19.1%
- 3.3%
- 0.1%
Profitability
- –
- –
- 30.5%
- –
- –
- –
- –
- –
- –
- –
Growth
- +33.9%
- +24.1%
- –
- –
- +0.9%
Financial health
- –
- 6.93
- –
- –
- –
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 16%of 876
Top 14%of 878
Bottom 6%of 929
0.1%of the share price, paid each year
On $1,000 invested$1a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
3.2% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Cholamandalam Investment and Finance
Is Cholamandalam Investment and Finance a good stock to buy?
A strong, very profitable business, but the price is high. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Cholamandalam Investment and Finance AI analysis
What does Cholamandalam Investment and Finance do?
Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It is in Credit Services, based in Chennai, India.
Does Cholamandalam Investment and Finance pay a dividend?
Yes. At today's price the dividend is 0.1% a year, about 3% of its yearly profit. In 2026 it paid out ₹1.70 billion in dividends.
Is Cholamandalam Investment and Finance stock halal?
No. Cholamandalam Investment and Finance does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Cholamandalam Investment and Finance stock done over the past year?
Up 10.2% over the past twelve months, to ₹1,850.00. It traded between ₹1,354.70 and ₹1,940.00 and is 4.6% below its high.
Who are Cholamandalam Investment and Finance's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Cholamandalam Investment and Finance's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.