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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.
History
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 Financial Holdings Limited is a core investment company and all the activities of the Company revolve around the main business in India. The Company holds investments in financial services/risk management companies, which include Cholamandalam Investment and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
An exceptional, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
Cholamandalam Financial Holdings is scored on the nbfc / financials framework. It keeps a healthy 14.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 29%/yr and profit at 25%/yr. Book value itself has compounded 28%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 15.8%. In the latest quarter profit grew 10% versus the prior quarter.
At 11× earnings, the stock sits at the 8th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-13%/yr growth over a decade — undemanding expectations. 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 | 4.54 | — | — |
| P/B | 1.77 | 7.05 | better |
| EV/EBITDA | 9.52 | 16.2 | better |
| ROE | 15.8 | 4.93 | better |
| ROCE | 9.32 | 44.21 | worse |
| ROA | 2.05 | — | — |
| Quick Ratio | 0.56 | — | — |
| 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. 29% 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 (29% vs 25%) — costs are rising faster than the top line.
Operating margin has compressed from 21% to 19% — costs or competition are eating into profitability. Margins have declined for 3 consecutive years — watch for a structural cost problem.
ROE at 16% — 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.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building. Run-rate stepping up — recent quarters average 11% above earlier ones.
Profit jumped 10% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (13% → 16%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 46.4% — dispersed ownership; institutional flows drive the stock. FIIs trimmed 3.9pp — foreign money is rotating out. MF holding up 3.7pp — domestic institutional discovery underway.
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.