Cholamandalam Financial Holdings Ltd.
CHOLAHLDNG · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹1,999.56.
Piotroski F-score 2/9 — quality of earnings & balance sheet.
Investability checklist
- ✓ROE above 15%18.0%
- ✕Low debt (D/E < 0.5)6.21x
- ✕Positive free cash flow
- ✓Revenue growth > 10%15%
- ✓Earnings growing12%
- ✓Net margin ≥ 10%11.5%
- ✓Current ratio > 1.563.94
- ✓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 ≥ 72/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Strong return on equity (18.0%).
Weaknesses
- •High debt relative to equity.
- •Price below its 200-day moving average (downtrend).
- •Weak Piotroski score (2/9).
Opportunities
- •Revenue growing (15% YoY).
- •Trading in our value buy zone versus sector peers.
- •Trades ~59% below our estimated fair value.
About Cholamandalam Financial Holdings Ltd.
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including health,
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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.