Cholamandalam Financial Holdings Limited
Valuation (87/100) does the heavy lifting; momentum (18/100) is the drag.
Buy zoneOur blended model reads Cholamandalam Financial Holdings Limited as a Hold at 59/100. On 11.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 24% below its 52-week high of ₹2,019.5 and 14% above the low of ₹1,350.9. Financial health scores 68/100, with a Piotroski F-score of 2/9. The average analyst target of ₹2,161.67 implies about 41% upside across 3 analysts. It clears 7 of 12 investability checks, with durability 57, valuation 74 and momentum 18 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 ₹2,055.47.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-24.03% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold59Piotroski F-score 2/9 — 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%: 18.0%
- Fail: Low debt (D/E < 0.5): 6.23x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 17%
- Pass: Earnings growing: 12%
- Pass: Net margin ≥ 10%: 11.5%
- Pass: Current ratio > 1.5: 2.29
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter47.1%
- Institutions33.3%
- Public & other19.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Strong return on equity (18.0%).
Opportunities
- Revenue growing (17% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~68% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
About Cholamandalam Financial Holdings Limited
Cholamandalam Financial Holdings Limited operates as an investment company providing financial services in India across two segments: Financial Services and Insurance and Allied Services. It offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprise loans, and SME loans, along with general insurance services including health coverage.
Cholamandalam Financial Holdings Limited — frequently asked questions
Is Cholamandalam Financial Holdings Limited a buy, hold or sell?
StocksWizard currently rates Cholamandalam Financial Holdings Limited (CHOLAHLDNG) a Hold, based on a blended score of 59/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Cholamandalam Financial Holdings Limited's fair value?
Our blended DCF and relative-valuation model estimates Cholamandalam Financial Holdings Limited's fair value at about ₹2,569.34, versus a current price of ₹1,534.2 — roughly 67% upside. On that basis the stock looks undervalued by 67%.
Is Cholamandalam Financial Holdings Limited financially healthy?
Cholamandalam Financial Holdings Limited scores 68/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Cholamandalam Financial Holdings Limited's share price performed?
Cholamandalam Financial Holdings Limited is down 11% over three months, and last traded at ₹1,534.2. 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.