Cholamandalam Investment and Finance Company Limited (CHOLAFIN) - Net Assets
Based on the latest financial reports, Cholamandalam Investment and Finance Company Limited (CHOLAFIN) has net assets worth Rs259.42 Billion INR (≈ $2.81 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs2.17 Trillion ≈ $23.44 Billion USD) and total liabilities (Rs1.91 Trillion ≈ $20.63 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Cholamandalam Investment and Finance Com to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs259.42 Billion |
| % of Total Assets | 11.97% |
| Annual Growth Rate | 24.44% |
| 5-Year Change | 146.55% |
| 10-Year Change | 544.37% |
| Growth Volatility | 15.71 |
Cholamandalam Investment and Finance Company Limited - Net Assets Trend (2005–2025)
This chart illustrates how Cholamandalam Investment and Finance Company Limited's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of Cholamandalam Investment and Finance Com for the complete picture of this company's asset base.
Annual Net Assets for Cholamandalam Investment and Finance Company Limited (2005–2025)
The table below shows the annual net assets of Cholamandalam Investment and Finance Company Limited from 2005 to 2025. For live valuation and market cap data, see how much is Cholamandalam Investment and Finance Com worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs236.69 Billion ≈ $2.56 Billion |
+20.80% |
| 2024-03-31 | Rs195.93 Billion ≈ $2.12 Billion |
+36.58% |
| 2023-03-31 | Rs143.46 Billion ≈ $1.55 Billion |
+21.90% |
| 2022-03-31 | Rs117.69 Billion ≈ $1.27 Billion |
+22.60% |
| 2021-03-31 | Rs96.00 Billion ≈ $1.04 Billion |
+17.07% |
| 2020-03-31 | Rs82.00 Billion ≈ $886.78 Million |
+32.07% |
| 2019-03-31 | Rs62.09 Billion ≈ $671.45 Million |
+20.21% |
| 2018-03-31 | Rs51.65 Billion ≈ $558.56 Million |
+19.35% |
| 2017-03-31 | Rs43.28 Billion ≈ $468.02 Million |
+17.82% |
| 2016-03-31 | Rs36.73 Billion ≈ $397.24 Million |
+15.74% |
| 2015-03-31 | Rs31.74 Billion ≈ $343.22 Million |
+38.79% |
| 2014-03-31 | Rs22.87 Billion ≈ $247.30 Million |
+17.12% |
| 2013-03-31 | Rs19.53 Billion ≈ $211.16 Million |
+39.10% |
| 2012-03-31 | Rs14.04 Billion ≈ $151.81 Million |
+32.18% |
| 2011-03-31 | Rs10.62 Billion ≈ $114.85 Million |
+41.11% |
| 2010-03-31 | Rs7.53 Billion ≈ $81.39 Million |
+5.49% |
| 2009-03-31 | Rs7.13 Billion ≈ $77.16 Million |
+34.84% |
| 2008-03-31 | Rs5.29 Billion ≈ $57.22 Million |
+71.31% |
| 2007-03-31 | Rs3.09 Billion ≈ $33.40 Million |
+2.48% |
| 2006-03-31 | Rs3.01 Billion ≈ $32.59 Million |
+0.96% |
| 2005-03-31 | Rs2.99 Billion ≈ $32.29 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Cholamandalam Investment and Finance Company Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 8560946900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs85.53 Billion | 36.14% |
| Common Stock | Rs1.68 Billion | 0.71% |
| Other Comprehensive Income | Rs99.83 Billion | 42.18% |
| Other Components | Rs49.64 Billion | 20.97% |
| Total Equity | Rs236.69 Billion | 100.00% |
Cholamandalam Investment and Finance Company Limited Competitors by Market Cap
The table below lists competitors of Cholamandalam Investment and Finance Company Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tryg A/S
CO:TRYG
|
$14.28 Billion |
|
Deckers Outdoor Corporation
NYSE:DECK
|
$14.32 Billion |
|
Kasikornbank Public Company Limited
BK:KBANK
|
$14.33 Billion |
|
Carlisle Companies Incorporated
NYSE:CSL
|
$14.33 Billion |
|
Advanced Energy Industries Inc
NASDAQ:AEIS
|
$14.26 Billion |
|
Jde Peets Nv
AS:JDEP
|
$14.22 Billion |
|
Plains All American Pipeline LP
NASDAQ:PAA
|
$14.22 Billion |
|
Rocket Companies Inc
NYSE:RKT
|
$14.21 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Cholamandalam Investment and Finance Company Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 195,932,400,000 to 236,686,900,000, a change of 40,754,500,000 (20.8%).
- Net income of 42,627,000,000 contributed positively to equity growth.
- Dividend payments of 1,681,100,000 reduced retained earnings.
- Share repurchases of 475,200,000 reduced equity.
- New share issuances of 475,200,000 increased equity.
- Other comprehensive income increased equity by 98,153,300,000.
- Other factors decreased equity by 98,344,700,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs42.63 Billion | +18.01% |
| Dividends Paid | Rs1.68 Billion | -0.71% |
| Share Repurchases | Rs475.20 Million | -0.2% |
| Share Issuances | Rs475.20 Million | +0.2% |
| Other Comprehensive Income | Rs98.15 Billion | +41.47% |
| Other Changes | Rs-98.34 Billion | -41.55% |
| Total Change | Rs- | 20.80% |
Book Value vs Market Value Analysis
This analysis compares Cholamandalam Investment and Finance Company Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 5.56x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 95.35x to 5.56x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-03-31 | Rs16.39 | Rs1562.90 | x |
| 2006-03-31 | Rs15.89 | Rs1562.90 | x |
| 2007-03-31 | Rs15.20 | Rs1562.90 | x |
| 2008-03-31 | Rs21.80 | Rs1562.90 | x |
| 2009-03-31 | Rs22.89 | Rs1562.90 | x |
| 2010-03-31 | Rs22.66 | Rs1562.90 | x |
| 2011-03-31 | Rs19.51 | Rs1562.90 | x |
| 2012-03-31 | Rs23.42 | Rs1562.90 | x |
| 2013-03-31 | Rs29.09 | Rs1562.90 | x |
| 2014-03-31 | Rs31.89 | Rs1562.90 | x |
| 2015-03-31 | Rs43.72 | Rs1562.90 | x |
| 2016-03-31 | Rs48.59 | Rs1562.90 | x |
| 2017-03-31 | Rs55.35 | Rs1562.90 | x |
| 2018-03-31 | Rs66.02 | Rs1562.90 | x |
| 2019-03-31 | Rs79.36 | Rs1562.90 | x |
| 2020-03-31 | Rs104.05 | Rs1562.90 | x |
| 2021-03-31 | Rs116.91 | Rs1562.90 | x |
| 2022-03-31 | Rs143.15 | Rs1562.90 | x |
| 2023-03-31 | Rs174.33 | Rs1562.90 | x |
| 2024-03-31 | Rs235.24 | Rs1562.90 | x |
| 2025-03-31 | Rs280.96 | Rs1562.90 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Cholamandalam Investment and Finance Company Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.01%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.30%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 8.53x
- Recent ROE (18.01%) is above the historical average (13.36%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 10.31% | 13.33% | 0.13x | 5.75x | Rs9.38 Million |
| 2006 | 11.80% | 14.53% | 0.12x | 6.99x | Rs54.11 Million |
| 2007 | 8.87% | 6.26% | 0.12x | 12.13x | Rs-35.01 Million |
| 2008 | 8.95% | 5.00% | 0.15x | 12.13x | Rs-55.78 Million |
| 2009 | -2.64% | -1.64% | 0.17x | 9.67x | Rs-901.61 Million |
| 2010 | 7.01% | 5.52% | 0.14x | 9.28x | Rs-224.92 Million |
| 2011 | 7.96% | 7.08% | 0.12x | 9.18x | Rs-216.17 Million |
| 2012 | 12.04% | 9.44% | 0.13x | 9.61x | Rs286.18 Million |
| 2013 | 15.77% | 12.01% | 0.14x | 9.34x | Rs1.13 Billion |
| 2014 | 16.10% | 11.25% | 0.15x | 9.42x | Rs1.40 Billion |
| 2015 | 13.99% | 11.96% | 0.16x | 7.52x | Rs1.27 Billion |
| 2016 | 15.66% | 13.64% | 0.15x | 7.60x | Rs2.08 Billion |
| 2017 | 16.63% | 15.32% | 0.15x | 7.10x | Rs2.87 Billion |
| 2018 | 17.80% | 16.55% | 0.14x | 7.66x | Rs4.03 Billion |
| 2019 | 19.30% | 16.91% | 0.12x | 9.26x | Rs5.77 Billion |
| 2020 | 12.85% | 12.10% | 0.14x | 7.81x | Rs2.34 Billion |
| 2021 | 15.84% | 15.87% | 0.13x | 7.78x | Rs5.61 Billion |
| 2022 | 18.30% | 21.23% | 0.12x | 7.01x | Rs9.77 Billion |
| 2023 | 18.58% | 20.69% | 0.11x | 7.92x | Rs12.30 Billion |
| 2024 | 17.46% | 17.61% | 0.12x | 8.00x | Rs14.61 Billion |
| 2025 | 18.01% | 16.30% | 0.13x | 8.53x | Rs18.96 Billion |
Industry Comparison
This section compares Cholamandalam Investment and Finance Company Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $16,073,853,771
- Average return on equity (ROE) among peers: 14.73%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Cholamandalam Investment and Finance Company Limited (CHOLAFIN) | Rs259.42 Billion | 10.31% | 7.35x | $14.26 Billion |
| Akme Fintrade India Ltd (AFIL) | $2.05 Billion | 7.72% | 0.91x | $41.31 Million |
| Arman Financial Services Limited (ARMANFIN) | $59.71 Million | 8.44% | 1.58x | $169.77 Million |
| Baid Finserv Limited (BAIDFIN) | $1.55 Billion | 6.70% | 1.20x | $19.08 Million |
| Bajaj Finance Limited (BAJFINANCE) | $11.53 Billion | 7.76% | 3.18x | $62.99 Billion |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $1.94 Billion |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $113.59 Billion | 7.26% | 6.80x | $3.16 Billion |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $14.28 Billion | 14.88% | 2.65x | $2.25 Billion |
| CSL Finance Limited (CSLFINANCE) | $518.95 Million | 12.68% | 0.00x | $55.14 Million |
| DCM Financial Services Limited (DCMFINSERV) | $-432.89 Million | 0.00% | 0.00x | $1.13 Million |
About Cholamandalam Investment and Finance Company Limited
Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against pr… Read more