Financials Cholamandalam Investment and Finance Company Limited
Stocks
CHOLAFIN
INE121A01024
Consumer Lending
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Market Closed -
Other stock markets
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5-day change | 1st Jan Change | ||
| 1,808.55 INR | +0.88% |
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+1.05% | +6.24% |
| 06-25 | India new issue-Cholamandalam Investment accepts bids for subordinated bonds, bankers say | RE |
| 06-19 | Cholamandalam Investment Raises INR1 Billion Through Allotment of Securities | MT |
Projected Income Statement: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 58,400 | 72,292 | 99,857 | 135,699 | 170,706 | 205,920 | 248,555 | 298,478 |
| Change | - | 23.79% | 38.13% | 35.89% | 25.8% | 20.63% | 20.7% | 20.09% |
| EBITDA 1 | 28,005 | 33,788 | 42,110 | 54,277 | 67,789 | 84,739 | 106,932 | 130,681 |
| Change | - | 20.65% | 24.63% | 28.89% | 24.89% | 25% | 26.19% | 22.21% |
| EBIT 1 | 37,712 | 12,731 | 59,039 | 82,311 | 104,965 | 126,526 | 153,301 | 187,465 |
| Change | - | -66.24% | 363.75% | 39.42% | 27.52% | 20.54% | 21.16% | 22.29% |
| Interest Paid 1 | - | - | - | -124,848 | -143,742 | -173,839 | -210,611 | -252,492 |
| Earnings before Tax (EBT) 1 | 28,909 | 35,997 | 45,821 | 57,369 | 69,607 | 88,077 | 109,058 | 135,873 |
| Change | - | 24.52% | 27.29% | 25.2% | 21.33% | 26.54% | 23.82% | 24.59% |
| Net income 1 | 21,467 | 26,662 | 34,228 | 42,585 | 52,196 | 65,699 | 81,495 | 101,531 |
| Change | - | 24.2% | 28.38% | 24.42% | 22.57% | 25.87% | 24.04% | 24.59% |
| Announcement Date | 5/5/22 | 3/5/23 | 30/4/24 | 25/4/25 | 30/4/26 | - | - | - |
Forecast Balance Sheet: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | 943,946 | 1,301,534 | 1,655,454 | 1,962,552 | 2,375,010 | 2,917,203 | 3,597,045 |
| Change | - | - | 37.88% | 27.19% | 18.55% | 21.02% | 22.83% | 23.3% |
| Announcement Date | 5/5/22 | 3/5/23 | 30/4/24 | 25/4/25 | 30/4/26 | - | - | - |
Cash Flow Forecast: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 328.9 | 959.1 | 1,894 | 10,762 | 1,995 | 2,651 |
| Change | - | 191.61% | 97.53% | 468.09% | -81.46% | 32.87% |
| Free Cash Flow (FCF) 1 | - | - | - | - | - | - |
| Change | - | - | - | - | - | - |
| Announcement Date | 8/7/21 | 7/7/22 | 27/7/23 | 4/7/24 | 9/7/25 | 6/7/26 |
Forecast Financial Ratios: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 47.95% | 46.74% | 42.17% | 40% | 39.71% | 41.15% | 43.02% | 43.78% |
| EBIT Margin (%) | 64.58% | 17.61% | 59.12% | 60.66% | 61.49% | 61.44% | 61.68% | 62.81% |
| EBT Margin (%) | 49.5% | 49.79% | 45.89% | 42.28% | 40.78% | 42.77% | 43.88% | 45.52% |
| Net margin (%) | 36.76% | 36.88% | 34.28% | 31.38% | 30.58% | 31.91% | 32.79% | 34.02% |
| FCF margin (%) | - | - | - | - | - | - | - | - |
| FCF / Net Income (%) | - | - | - | - | - | - | - | - |
Profitability | ||||||||
| ROA | 2.74% | 2.72% | 2.54% | 2.38% | - | 2.44% | 2.51% | 2.56% |
| ROE | 20.19% | 20.51% | 20.22% | 19.72% | 19.74% | 19.47% | 19.85% | 20.25% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | 27.94x | 30.91x | 30.5x | 28.95x | 28.03x | 27.28x | 27.53x |
| Debt / Free cash flow | - | - | - | - | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | - | - | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | - | - | - | - |
Items per share | ||||||||
| Cash flow per share 1 | -68.2 | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | 2 | 2 | 2 | 2 | - | 2.68 | 3.144 | 3.708 |
| Change | - | 0% | 0% | 0% | - | - | 17.3% | 17.95% |
| Book Value Per Share 1 | 142.5 | 173.8 | 232.7 | 280.9 | 356.7 | 429.2 | 521.5 | 633.3 |
| Change | - | 21.96% | 33.88% | 20.68% | 27% | 20.32% | 21.51% | 21.44% |
| EPS 1 | 26.11 | 32.4 | 41.09 | 50.55 | 61.68 | 77.04 | 95.15 | 117.3 |
| Change | - | 24.09% | 26.82% | 23.02% | 22.02% | 24.91% | 23.5% | 23.26% |
| Nbr of stocks (in thousands) | 821,041 | 822,040 | 839,969 | 841,310 | 852,037 | 852,324 | 852,324 | 852,324 |
| Announcement Date | 5/5/22 | 3/5/23 | 30/4/24 | 25/4/25 | 30/4/26 | - | - | - |
| 2027 * | 2028 * | |
|---|---|---|
| P/E | 23.5x | 19x |
| PBR | 4.21x | 3.47x |
| EV / Sales | 19x | 17.9x |
| Yield | 0.15% | 0.17% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Quarterly revenue - Rate of surprise
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