Cholamandalam Investment and Finance Company Ltd.
CHOLAFIN · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹900.11.
Piotroski F-score 3/9 — quality of earnings & balance sheet.
Investability checklist
- ✓ROE above 15%19.3%
- ✕Low debt (D/E < 0.5)6.93x
- ✕Positive free cash flow
- ✓Revenue growth > 10%24%
- ✓Earnings growing29%
- ✓Net margin ≥ 10%39.8%
- ✓Current ratio > 1.593.30
- ✕Below our fair value
- ✕Margin of safety ≥ 20%
- ✓Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 73/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Strong return on equity (19.3%).
- •Healthy profit margin (39.8%).
Weaknesses
- •High debt relative to equity.
- •Weak Piotroski score (3/9).
Opportunities
- •Earnings growing (29% YoY).
- •Revenue growing (24% YoY).
Threats
- •Trades ~32% above our estimated fair value.
About Cholamandalam Investment and Finance Company Ltd.
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 offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.