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Insights for Cholamandalam Investment and Fin Co Ltd
National Stock Exchange: CHOLAFIN
05 - Growing & Profitable but Heavily Leveraged
Sector: Misc
Industry: Misc
Based on PEG Ratio: Unknown
Today's Price
updated on: 		1601.0 (-0.42%)
Open 1608.0 (-0.44%)
High (Upside %) 1615.3 (0.89%)
Low (Downside %) 1593.0 (0.5%)
P. Close 1607.8 (-0.42%)
Open-High % 0.45%
Open-Low % 0.93%
Low-High % 1.4%
Previous Data

CHOLAFIN is a Stock listed in the India on the National Stock Exchange under the ticker 'CHOLAFIN'

Company Summary

Business Units or Product Lines

Cholamandalam Investment and Finance Company Limited operates primarily in vehicle finance, home loans, and small and medium-sized enterprises (SME) loans. Additionally, it offers wealth management services and recently entered consumer and personal loan segments.

Business Models for Each Product Line

Vehicle finance involves lending for both new and used vehicles, generating revenue through interest payments. Home loans and SME loans are secured by property or business collateral, with revenue from interest and fees. Wealth management services generate fee-based revenue through investment management, while consumer and personal loans add to revenue via high interest rates. Major expenses include cost of funds, provisions for bad loans, and operational costs.

Future Opportunities for Growth

The company can leverage digital platforms to expand its reach in underserved rural and semi-urban areas. There's significant growth potential in the personal and consumer loan segments, and opportunities to cross-sell financial products across its diverse customer base. Expanding collaborations with fintech companies for innovative loan solutions could also be beneficial.

Potential Major Risks

Major risks include an economic slowdown affecting borrowers' ability to repay loans, regulatory changes impacting lending practices, and competition from both traditional banks and fintech players. Asset quality is a concern, with potential increases in non-performing assets due to macroeconomic factors.

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Also read: https://finance.yahoo.com/CHOLAFIN.NS/profile

Basic Stats
Revenue Quarterly Revenue Growth Market Cap-Display EBITDA-Display Market Cap-Actual Market Cap Enterprise Value-Display Enterprise Value-Actual Enterprise Value Trailing P/E Forward P/E Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Return on Assets Return on Equity Revenue-Display Revenue-Actual Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Total Debt/Equity Current Ratio Operating Cash Flow-Display Operating Cash Flow-Actual Operating Cash Flow Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
10857.14 14.1% 1.38 lakh cr nan Cr 1376334118912.0 137633.41 3.02 lakh cr 3017696083968.0 301769.61 32.39 19.69 12.68 5.81 27.8 39.26% 55.57% 2.38% 19.71% 10857.14 Cr 108571402240.0 50.52 18.2% 9704.07 Cr 97040703488.0 9704.07 1.75 lakh cr 1753205964800.0 175320.6 7.4073 91.94 -3241315.0 lakh -324131487744.0 -32413.15 nan Cr 49.98% 32.17%

source:https://finance.yahoo.com/CHOLAFIN.NS/key-statistics

Reading Information

source:https://finance.yahoo.com/CHOLAFIN.NS/key-statistics

source:https://www.google.com/finance/quote/CHOLAFIN:NSE

source:https://finance.yahoo.com/CHOLAFIN.NS/analysis

source:https://finance.yahoo.com/CHOLAFIN.NS/fair-value

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 5.42% 5.21% (1684.4) 5.21% (1684.4) 5.21% (1684.4) 5.21% (1684.4) 5.21% (1684.4) 5.21% (1684.4) 5.21% (1684.4)
Downside % (low) 11.33% -0.03% (1601.5) 8.46% (1465.6) 16.74% (1333.05) 27.05% (1168) 27.05% (1168) 62.52% (600) 93.28% (107.65)
Spread % -5.91% 5.24% -3.25% -11.53% -21.84% -21.84% -57.31% -88.07%

CHOLAFIN's price used for computing the stats is 1601.0 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose -0.42% -1.59% -0.51% 4.93% 17.99% 32.86% 25.15% 162.8% 1316.19%
Last Price 1601.0 1601.0 1601.0 1601.0 1601.0 1601.0 1601.0 1601.0 1601.0
Trend-Previous Close 1607.8 1626.9 1609.2 1525.8 1356.95 1205.05 1279.25 609.2 113.05

CHOLAFIN's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall 0.59% 1636.43 0.54% 1635.64 1.78% 1592.92 1679.94
Up 1.99% 1659.34 2.27% 1663.77 1.11% 1632.3 1686.39
Down -1.02% 1610.36 -1.17% 1607.8 0.71% 1592.95 1627.76
5D Opportunity: BUY-APPROACHING
returns: -1.59% (-2.09%), p.close: 1626.9
entry: 1592.95, exit: 1592.92, min.ret: -0.0%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.02% 1659.7 1.52% 1651.56 2.44% 1600.17 1719.23
Up 3.06% 1676.68 3.19% 1678.81 1.73% 1634.53 1718.83
Down -0.51% 1618.59 -0.01% 1626.69 0.71% 1601.15 1636.03
5D Opportunity: BUY-ACTIVE
returns: -1.59% (-1.58%), p.close: 1626.9
entry: 1601.15, exit: 1600.17, min.ret: -0.06%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.32% 1648.32 1.57% 1652.42 3.16% 1571.32 1725.31
Up 2.8% 1672.51 2.63% 1669.71 2.1% 1621.2 1723.81
Down -1.6% 1600.94 -1.14% 1608.36 1.81% 1556.88 1645.0
5D Opportunity:
returns: -1.59% (-4.3%), p.close: 1626.9
entry: 1556.88, exit: 1571.32, min.ret: 0.93%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.54% 1651.88 1.34% 1648.66 4.5% 1542.08 1761.67
Up 3.41% 1682.3 2.89% 1673.99 3.49% 1597.24 1767.36
Down -1.91% 1595.87 -1.19% 1607.48 2.14% 1543.74 1648.01
5D Opportunity:
returns: -1.59% (-5.11%), p.close: 1626.9
entry: 1543.74, exit: 1542.08, min.ret: -0.11%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.14% 1645.39 0.97% 1642.64 4.65% 1531.81 1758.97
Up 3.35% 1681.36 2.85% 1673.3 3.41% 1598.13 1764.59
Down -2.4% 1587.89 -1.81% 1597.47 2.46% 1527.91 1647.87
5D Opportunity:
returns: -1.59% (-6.08%), p.close: 1626.9
entry: 1527.91, exit: 1531.81, min.ret: 0.26%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.59% 1636.48 0.55% 1635.9 4.51% 1526.44 1746.53
Up 2.89% 1673.87 2.27% 1663.83 3.04% 1599.59 1748.16
Down -2.48% 1586.54 -1.98% 1594.69 2.48% 1526.13 1646.96
5D Opportunity:
returns: -1.59% (-6.19%), p.close: 1626.9
entry: 1526.13, exit: 1526.44, min.ret: 0.02%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall 5.1% 1691.24 5.26% 1693.84 2.43% 1632.62 1749.86
Up 6.18% 1708.63 5.41% 1696.22 2.01% 1660.07 1757.19
Down -0.87% 1595.2 -0.06% 1608.3 1.33% 1563.05 1627.34
2W Opportunity:
returns: -0.51% (-2.87%), p.close: 1609.2
entry: 1563.05, exit: 1632.62, min.ret: 4.45%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.12% 1643.36 3.32% 1662.55 4.9% 1525.06 1761.66
Up 5.1% 1691.21 5.02% 1689.98 3.18% 1614.43 1767.98
Down -2.72% 1565.38 -1.81% 1580.14 3.04% 1492.07 1638.69
2W Opportunity:
returns: -0.51% (-7.28%), p.close: 1609.2
entry: 1492.07, exit: 1525.06, min.ret: 2.21%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.84% 1654.97 4.27% 1677.93 4.82% 1538.52 1771.43
Up 5.51% 1697.84 5.36% 1695.47 4.21% 1596.3 1799.39
Down -2.97% 1561.47 -2.34% 1571.57 3.08% 1487.13 1635.8
2W Opportunity:
returns: -0.51% (-7.59%), p.close: 1609.2
entry: 1487.13, exit: 1538.52, min.ret: 3.46%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.12% 1643.3 3.04% 1658.11 5.65% 1506.81 1779.79
Up 5.45% 1696.97 5.02% 1690.04 4.29% 1593.47 1800.48
Down -3.49% 1553.03 -2.79% 1564.22 3.25% 1474.64 1631.43
2W Opportunity:
returns: -0.51% (-8.36%), p.close: 1609.2
entry: 1474.64, exit: 1506.81, min.ret: 2.18%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.2% 1628.5 0.99% 1625.13 6.31% 1476.29 1780.7
Up 4.69% 1684.64 4.17% 1676.24 4.27% 1581.58 1787.71
Down -3.71% 1549.46 -2.97% 1561.44 3.45% 1466.13 1632.79
2W Opportunity:
returns: -0.51% (-8.89%), p.close: 1609.2
entry: 1466.13, exit: 1476.29, min.ret: 0.69%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall 4.57% 1595.58 4.81% 1599.25 4.77% 1486.32 1704.84
Up 9.59% 1672.16 8.79% 1659.97 4.67% 1565.31 1779.01
Down -5.39% 1443.61 -5.15% 1447.17 3.22% 1369.85 1517.36
1M Opportunity:
returns: 4.93% (16.6%), p.close: 1525.8
entry: 1779.01, exit: 1704.84, min.ret: 4.17%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 6.76% 1628.9 7.46% 1639.64 5.14% 1511.25 1746.54
Up 10.17% 1680.95 10.19% 1681.33 3.74% 1595.34 1766.56
Down -3.97% 1465.18 -4.15% 1462.42 3.02% 1395.99 1534.36
1M Opportunity:
returns: 4.93% (15.78%), p.close: 1525.8
entry: 1766.56, exit: 1746.54, min.ret: 1.13%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 3.16% 1574.0 3.82% 1584.08 7.14% 1410.53 1737.47
Up 8.14% 1649.94 8.8% 1660.02 4.51% 1546.68 1753.2
Down -5.6% 1440.34 -5.2% 1446.38 4.28% 1342.32 1538.36
1M Opportunity:
returns: 4.93% (14.9%), p.close: 1525.8
entry: 1753.2, exit: 1737.47, min.ret: 0.9%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 2.53% 1564.39 3.31% 1576.3 9.02% 1357.96 1770.82
Up 7.88% 1646.0 8.25% 1651.74 5.4% 1522.44 1769.56
Down -5.61% 1440.15 -4.87% 1451.44 4.96% 1326.74 1553.56
1M Opportunity:
returns: 4.93% (15.98%), p.close: 1525.8
entry: 1769.56, exit: 1770.82, min.ret: -0.07%
Using: 1M trend, 0 Days Left

CHOLAFIN's symbol current price is 1601.0 (-0.42%) as on . Yesterday's close was 1607.8. It's return velocities are computed basis data from date .

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