Cholamandalam Investment and Finance Company Limited
Financial trend (84/100) does the heavy lifting; valuation (13/100) is the drag.
ExpensiveOvervaluedStocksWizard rates Cholamandalam Investment and Finance Company Limited a Hold, scoring 45/100 on our blended model. We put fair value near ₹1,221.92; at ₹1,849.9 that leaves roughly 34% downside, so the stock screens overvalued by 34%. On 29.0x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹1,852.67. Financial health scores 98/100, with a Piotroski F-score of 3/9. The average analyst target of ₹1,850.56 is roughly in line with the current price across 34 analysts. It clears 7 of 12 investability checks, with durability 73, valuation 25 and momentum 83 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹977.54.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-0.15% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 19.3%
- Fail: Low debt (D/E < 0.5): 6.93x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 24%
- Pass: Earnings growing: 29%
- Pass: Net margin ≥ 10%: 39.8%
- Pass: Current ratio > 1.5: 93.30
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter49.3%
- Institutions37.8%
- Public & other12.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Strong return on equity (19.3%).
- Healthy profit margin (39.8%).
- Trading near its 52-week high.
Opportunities
- Earnings growing (29% YoY).
- Revenue growing (24% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (3/9).
Threats
- Rich valuation versus sector peers.
- Trades ~34% above our estimated fair value.
About Cholamandalam Investment and Finance Company Limited
Cholamandalam Investment and Finance Company Limited is a non-banking finance company in India that provides vehicle financing across commercial vehicles, passenger vehicles, two- and three-wheelers, and tractors, along with construction equipment loans. The company also offers loans against property and home loans through its multiple operating segments.
Cholamandalam Investment and Finance Company Limited — frequently asked questions
Is Cholamandalam Investment and Finance Company Limited a buy, hold or sell?
StocksWizard currently rates Cholamandalam Investment and Finance Company Limited (CHOLAFIN) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Cholamandalam Investment and Finance Company Limited's fair value?
Our blended DCF and relative-valuation model estimates Cholamandalam Investment and Finance Company Limited's fair value at about ₹1,221.92, versus a current price of ₹1,849.9 — roughly 34% downside. On that basis the stock looks overvalued by 34%.
Is Cholamandalam Investment and Finance Company Limited financially healthy?
Cholamandalam Investment and Finance Company Limited scores 98/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Cholamandalam Investment and Finance Company Limited's share price performed?
Cholamandalam Investment and Finance Company Limited is up 12% over three months, and last traded at ₹1,849.9. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.