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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Cholamandalam Investment and Finance Company Limited is an India-based non-banking financial company (investment and credit company). It is engaged in the business of financing. Its segments include Vehicle Finance, Loan against property, Home Loans and Others Loans. The…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
Cholamandalam In & Fin Co is scored on the nbfc / financials framework. It keeps a healthy 16.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 34%/yr and profit at 25%/yr. Book value itself has compounded 29%/yr — the hallmark of a genuine compounder. Return on equity is an elite 18.0%. In the latest quarter profit fell 2% versus the prior quarter.
At 29× earnings, the stock sits at the 18th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price implies ~12%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 24.61 | 11.61 | worse |
| P/B | 4.43 | 1.4 | worse |
| EV/EBITDA | 15.17 | 13.86 | worse |
| ROE | 18.02 | — | — |
| ROCE | 9.02 | — | — |
| ROA | 2.3 | — | — |
| Quick Ratio | 0.92 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 34% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (34% vs 25%) — costs are rising faster than the top line.
Operating margin has compressed from 28% to 22% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 17% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. 24% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 11% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 48.9% — dispersed ownership; institutional flows drive the stock.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.