Cholamandalam Financial Holdings Limited

NSE:CHOLAHLDNG India Credit Services
Market Cap
$3.24 Billion
₹280.82 Billion INR
Market Cap Rank
#5420 Global
#185 in India
Share Price
₹1495.50
Change (1 day)
-1.73%
52-Week Range
₹1486.60 - ₹2166.00
All Time High
₹2166.00
Categories
Companies in India Credit Services Banking & Financial
About

Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financial Services, and Insurance and Allied Services segments. The company provides vehicle finance, loan against property, home loans, secured business and personal loans, consumer and small enterprises loans, and small and medium enterprise loans, as well as various other … Read more

Cholamandalam Financial Holdings Limited (CHOLAHLDNG) - Net Assets

Latest net assets as of September 2025: ₹294.68 Billion INR

Based on the latest financial reports, Cholamandalam Financial Holdings Limited (CHOLAHLDNG) has net assets worth ₹294.68 Billion INR as of September 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹2.40 Trillion) and total liabilities (₹2.10 Trillion). 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.

Key Net Assets Metrics

Metric Value
Current Net Assets ₹294.68 Billion
% of Total Assets 12.28%
Annual Growth Rate 21.38%
5-Year Change 137.25%
10-Year Change 617.7%
Growth Volatility 25.68

Cholamandalam Financial Holdings Limited - Net Assets Trend (2005–2025)

This chart illustrates how Cholamandalam Financial Holdings Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Cholamandalam Financial Holdings Limited (2005–2025)

The table below shows the annual net assets of Cholamandalam Financial Holdings Limited from 2005 to 2025.

Year Net Assets Change
2025-03-31 ₹269.49 Billion +21.81%
2024-03-31 ₹221.24 Billion +36.08%
2023-03-31 ₹162.58 Billion +19.29%
2022-03-31 ₹136.29 Billion +19.98%
2021-03-31 ₹113.59 Billion +17.08%
2020-03-31 ₹97.02 Billion +23.36%
2019-03-31 ₹78.64 Billion +104.09%
2018-03-31 ₹38.53 Billion +20.35%
2017-03-31 ₹32.02 Billion -14.73%
2016-03-31 ₹37.55 Billion -4.49%
2015-03-31 ₹39.31 Billion +18.59%
2014-03-31 ₹33.15 Billion +17.63%
2013-03-31 ₹28.18 Billion +37.67%
2012-03-31 ₹20.47 Billion +34.29%
2011-03-31 ₹15.24 Billion +71.93%
2010-03-31 ₹8.87 Billion +20.48%
2009-03-31 ₹7.36 Billion -8.25%
2008-03-31 ₹8.02 Billion +10.30%
2007-03-31 ₹7.27 Billion +22.08%
2006-03-31 ₹5.96 Billion +6.46%
2005-03-31 ₹5.59 Billion --

Equity Component Analysis

This analysis shows how different components contribute to Cholamandalam Financial Holdings 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 4831990000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (March 2025)

Component Amount Percentage
Retained Earnings ₹48.32 Billion 38.61%
Common Stock ₹187.80 Million 0.15%
Other Comprehensive Income ₹49.22 Billion 39.33%
Other Components ₹27.43 Billion 21.92%
Total Equity ₹125.15 Billion 100.00%

Cholamandalam Financial Holdings Limited Competitors by Market Cap

The table below lists competitors of Cholamandalam Financial Holdings Limited ranked by their market capitalization.

Company Market Cap
Tangshan Port Group Co Ltd
SHG:601000
 		$1.71 Billion
Eastern Air Logistics Co Ltd
SHG:601156
 		$1.71 Billion
JTC PLC
PINK:JTCPF
 		$1.71 Billion
Lao Feng Xiang Co Ltd A
SHG:600612
 		$1.71 Billion
Aditya Birla Sun Life AMC Limited
NSE:ABSLAMC
 		$1.71 Billion
Acerinox S.A.
PINK:ACRXF
 		$1.71 Billion
Grupo Lamosa S.A.B. de C.V
MX:LAMOSA
 		$1.70 Billion
THE BK N.T.BUTTERF.+S.NEW
F:4IK
 		$1.70 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Cholamandalam Financial Holdings Limited's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 102,417,300,000 to 125,152,800,000, a change of 22,735,500,000 (22.2%).
  • Net income of 21,736,600,000 contributed positively to equity growth.
  • Dividend payments of 1,039,700,000 reduced retained earnings.
  • Share repurchases of 475,200,000 reduced equity.
  • New share issuances of 475,200,000 increased equity.
  • Other comprehensive income decreased equity by 53,011,700,000.
  • Other factors increased equity by 55,050,300,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income ₹21.74 Billion +17.37%
Dividends Paid ₹1.04 Billion -0.83%
Share Repurchases ₹475.20 Million -0.38%
Share Issuances ₹475.20 Million +0.38%
Other Comprehensive Income ₹-53.01 Billion -42.36%
Other Changes ₹55.05 Billion +43.99%
Total Change ₹- 22.20%

Book Value vs Market Value Analysis

This analysis compares Cholamandalam Financial Holdings 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: 2.24x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has decreased from 55.12x to 2.24x 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 ₹27.13 ₹1495.50 x
2006-03-31 ₹30.46 ₹1495.50 x
2007-03-31 ₹37.40 ₹1495.50 x
2008-03-31 ₹41.35 ₹1495.50 x
2009-03-31 ₹37.67 ₹1495.50 x
2010-03-31 ₹43.46 ₹1495.50 x
2011-03-31 ₹55.16 ₹1495.50 x
2012-03-31 ₹70.26 ₹1495.50 x
2013-03-31 ₹88.74 ₹1495.50 x
2014-03-31 ₹104.30 ₹1495.50 x
2015-03-31 ₹124.25 ₹1495.50 x
2016-03-31 ₹177.35 ₹1495.50 x
2017-03-31 ₹147.37 ₹1495.50 x
2018-03-31 ₹177.63 ₹1495.50 x
2019-03-31 ₹210.12 ₹1495.50 x
2020-03-31 ₹244.53 ₹1495.50 x
2021-03-31 ₹286.89 ₹1495.50 x
2022-03-31 ₹343.32 ₹1495.50 x
2023-03-31 ₹408.01 ₹1495.50 x
2024-03-31 ₹545.42 ₹1495.50 x
2025-03-31 ₹666.51 ₹1495.50 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Cholamandalam Financial Holdings 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): 17.37%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 6.24%
  • • Asset Turnover: 0.16x
  • • Equity Multiplier: 17.95x
  • Recent ROE (17.37%) is below the historical average (17.84%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2005 18.77% 6.48% 1.18x 2.45x ₹439.79 Million
2006 32.43% 12.33% 0.78x 3.39x ₹1.26 Billion
2007 24.83% 9.78% 0.68x 3.75x ₹1.02 Billion
2008 9.11% 3.41% 0.55x 4.85x ₹-68.31 Million
2009 7.82% 2.25% 0.62x 5.59x ₹-151.82 Million
2010 14.01% 4.27% 0.57x 5.72x ₹323.26 Million
2011 19.07% 3.88% 0.40x 12.24x ₹931.66 Million
2012 20.53% 4.17% 0.38x 12.90x ₹1.38 Billion
2013 17.39% 3.72% 0.34x 13.96x ₹1.23 Billion
2014 15.96% 3.55% 0.32x 14.02x ₹1.16 Billion
2015 18.23% 4.41% 0.32x 13.06x ₹1.92 Billion
2016 31.25% 13.62% 0.79x 2.92x ₹7.06 Billion
2017 16.45% 20.05% 0.29x 2.86x ₹1.78 Billion
2018 16.50% 6.19% 0.86x 3.10x ₹2.17 Billion
2019 17.67% 6.51% 0.16x 17.23x ₹3.02 Billion
2020 12.00% 4.09% 0.18x 16.52x ₹917.92 Million
2021 15.31% 5.71% 0.16x 16.45x ₹2.86 Billion
2022 15.87% 6.54% 0.16x 15.17x ₹3.79 Billion
2023 16.84% 6.66% 0.15x 17.10x ₹5.24 Billion
2024 17.31% 6.50% 0.15x 17.27x ₹7.48 Billion
2025 17.37% 6.24% 0.16x 17.95x ₹9.22 Billion

Industry Comparison

This section compares Cholamandalam Financial Holdings Limited's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $12,741,878,259
  • Average return on equity (ROE) among peers: 12.31%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Cholamandalam Financial Holdings Limited (CHOLAHLDNG) ₹294.68 Billion 18.77% 7.14x $1.71 Billion
Akme Fintrade India Ltd (AFIL) $1.37 Billion 3.01% 1.73x $15.17 Million
Arman Financial Services Limited (ARMANFIN) $92.66 Million 19.57% 4.41x $102.52 Million
Baid Finserv Limited (BAIDFIN) $1.30 Billion 5.85% 1.62x $4.97 Million
Bajaj Finance Limited (BAJFINANCE) $96.00 Billion 19.13% 5.64x $26.87 Billion
Capital Trust Limited (CAPTRUST) $71.67 Million 3.08% 1.26x $600.21K
Capri Global Capital Limited (CGCL) $2.81 Billion 44.70% 0.62x $557.05 Million
Capital India Finance Limited (CIFL) $6.94 Billion -0.40% 1.34x $2.96K
CP Capital Limited (CPCAP) $4.99 Billion 8.72% 0.16x $4.86 Million
CREDITACCESS GRAMEEN LIMITED (CREDITACC) $1.11 Billion 7.16% 3.91x $736.39 Million