Fact based stock research
Cholamandalam Financial Holdings (BSE:504973)

INE149A01033

How to read the free ranks

For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

Cholamandalam Financial Holdings stock research in summary

tifhl.com

ANALYSIS: With an Obermatt Combined Rank of 22 (worse than 78% compared with investment alternatives), Cholamandalam Financial Holdings (Consumer Finance, India) shares have lower financial characteristics compared with similar stocks. Shares of Cholamandalam Financial Holdings are a good value (attractively priced) with a consolidated Value Rank of 51 (better than 51% of alternatives), show above-average growth (Growth Rank of 59) but are riskily financed (Safety Rank of 16), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 22, is a sell recommendation based on Cholamandalam Financial Holdings's financial characteristics. As the company Cholamandalam Financial Holdings's key financial metrics exhibit excellent performance in two areas, such as good value (Obermatt Value Rank of 51) and above-average growth (Obermatt Growth Rank of 59), it could be argued that the risk-taking in financing (Obermatt Safety Rank of only 16) indicates that the company is optimistic about the future and sees debt as an opportunity to boost returns. More debt means more shareholder returns if everything goes well. However, higher debt burdens are risky when interest rates rise or the business deteriorates in a crisis. If you believe the company's future is market-typical or even better, this could be an argument for a share purchase. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	51
Growth Rank	59
Safety Rank	16
Combined Rank	22

Country	India
Industry	Consumer Finance
Index	Good Governace Growth Markets
Size class	Small

This stock has achievements: Top 10 Stock.

14-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

Multiple opinions. One number.

Analysts rarely agree on a stock’s future. So, who do you believe? Obermatt translates those collective views into a single Sentiment Rank. That plus the financial ranks give you the ultimate 360° View. Sign up to access them.

Why popular stocks have low ratings

It’s easier said than done. When your stock drops, it’s easy to want to sell it and find a better performer. Think twice, or even three times, before trading. Those fees (especially the hidden ones) can eat up your gains.

Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Cholamandalam Financial Holdings

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	37	47	57	51
GROWTH
GROWTH	11	83	61	59
SAFETY
SAFETY	38	51	54	16
SENTIMENT
SENTIMENT	95	52	75	^new
360° VIEW
360° VIEW	47	88	92	^new

Most recent update of the stock research: 14-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Cholamandalam Financial Holdings is in the corresponding investment strategy.
Upgrade to a Premium Account to access the latest ranks.

Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	37	47	57	51
GROWTH
GROWTH	11	83	61	59
SAFETY
SAFETY	38	51	54	16
COMBINED
COMBINED	4	79	77	22

Last update of combined financial performance: 14-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Cholamandalam Financial Holdings the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 51 (better than 51% compared with alternatives), Cholamandalam Financial Holdings shares are more attractively priced than the majority of comparable stocks. The Value Rank is based on consolidating four value indicators, where the majority of metrics are below, and only one is above average for Cholamandalam Financial Holdings. Price-to-Sales (P/S) is 76, which means that the stock price compared with what market professionals expect for future sales is lower than 76% of comparable companies, indicating a good value concerning to Cholamandalam Financial Holdings's revenue size. But all other performance indicators point in a different direction. Dividend yields have a Dividend Yield rank of 23, meaning that dividends are expected to be lower than for 77% of comparable investments. Furthermore, Price-to-Book Capital (also referred to as market-to-book ratio) is less favorable than 68% of alternatives (only 32% of peers have an even higher ratio). The same is valid for Price-to-Profit (or Price / Earnings, P/E), which is higher than for 55% of comparable companies, making the stock more expensive compared with the company's expected profit levels. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 51, is a buy recommendation based on Cholamandalam Financial Holdings's stock price compared with the company's operational size and dividend yields. Since Price-to-Sales is a stable value indicator even in challenging times, investing in Cholamandalam Financial Holdings could be seen as a value investment. However, there must be a good reason for the low market-to-book rank. If the company has a typical capital investment practice, the stock may be overvalued because the profit and dividend-related performance indicators are also low. The stock is only good value if investors can expect profits and dividends to pick up in the future. Else, Cholamandalam Financial Holdings looks like an expensive investment today. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is especially important in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	65	79	83	76
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	48	46	69	45
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	20	36	34	32
DIVIDEND YIELD
DIVIDEND YIELD	21	21	23	23
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	37	47	57	51

Last update of Value Rank: 14-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Cholamandalam Financial Holdings; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 59 (better than 59% compared with alternatives), Cholamandalam Financial Holdings shows an above-average growth dynamic in its industry. Investors also speak of positive momentum. The Growth Rank is based on consolidating four value indicators, with half of the indicators below and half above average for Cholamandalam Financial Holdings. Sales Growth has a rank of 97 which means that currently professionals expect the company to grow more than 97% of its competitors. Stock Returns are also above average with a rank of 81. But Capital Growth has only a rank of 48, which means that currently professionals expect the company to grow its invested capital less than 52% of its competitors. Profit Growth is also low, with a rank of only 4, which means that, currently, professionals expect the company to grow its profits below average. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 59, is a buy recommendation for growth and momentum investors. This is a surprising picture, as the messages from the operating growth indicators of revenues, profits, and invested capital are mixed, while stock returns are above average. It may indicate new intellectual properties, such as brand improvement or a strong market position that shows in revenues but not in the capital. The low profit-growth rate may indicate an early phase where costs are still high, and revenues don't fully cover upfront investments or fixed costs. The positive investor outlook with a 81% peer outperformance is reaffirmed in this case which may be a good sign for an investment into a well-protected high-growth company. This fact needs to be confirmed by researching the company website and press. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	13	85	89	97
PROFIT GROWTH
PROFIT GROWTH	8	19	6	4
CAPITAL GROWTH
CAPITAL GROWTH	38	74	64	48
STOCK RETURNS
STOCK RETURNS	51	93	89	81
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	11	83	61	59

Last update of Growth Rank: 14-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Cholamandalam Financial Holdings.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 16 (better than 16% compared with alternatives), the company Cholamandalam Financial Holdings has much riskier financing practices than comparable other companies, which means that their overall debt burden is significantly above the industry average. This doesn't mean that the business of Cholamandalam Financial Holdings is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Cholamandalam Financial Holdings and the other two below average. Refinancing is at 55, meaning the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 55% of its competitors. But Leverage is high with a rank of 6, meaning the company has an above-average debt-to-equity ratio. It has more debt than 94% of its competitors. Liquidity is also on the riskier side with a rank of 42, meaning the company generates less profit to service its debt than 58% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 16 (worse than 84% compared with alternatives), Cholamandalam Financial Holdings has a financing structure that is significantly riskier than that of its competitors. A good Refinancing Rank means that the problems of the company may not be around the corner. But high Leverage is only good if things go well, and low Liquidity is a signal for caution. The financing signals for Cholamandalam Financial Holdings are on the riskier side, requiring the company's future to be on the safer side. Investors may want to look at Growth and Sentiment ranks before making an investment decision. In the long-term, investors may have a debt challenge with Cholamandalam Financial Holdings and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	6	6	6	6
REFINANCING
REFINANCING	89	89	87	55
LIQUIDITY
LIQUIDITY	45	54	56	42
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	38	51	54	16

Last update of Safety Rank: 14-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Cholamandalam Financial Holdings and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	89	95	^new
OPINIONS CHANGE
OPINIONS CHANGE	50	50	50	^new
PRO HOLDINGS
PRO HOLDINGS	61	43	25	^new
MARKET PULSE
MARKET PULSE	62	13	61	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	95	52	75	^new

Last update of Sentiment Rank: 14-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Cholamandalam Financial Holdings.
Upgrade to a Premium Account to access the latest ranks.