Cholamandalam Financial Holdings Limited (CHOLAHLDNG) - Net Assets

Latest as of September 2025: Rs294.68 Billion INR ≈ $3.19 Billion USD

Based on the latest financial reports, Cholamandalam Financial Holdings Limited (CHOLAHLDNG) has net assets worth Rs294.68 Billion INR (≈ $3.19 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 (Rs2.40 Trillion ≈ $25.94 Billion USD) and total liabilities (Rs2.10 Trillion ≈ $22.76 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 Cholamandalam Financial Holdings Limited (CHOLAHLDNG) asset resilience to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs294.68 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. Also explore CHOLAHLDNG asset base for the complete picture of this company's asset base.

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. For live valuation and market cap data, see market value of Cholamandalam Financial Holdings Limited.

Year	Net Assets	Change
2025-03-31	Rs269.49 Billion ≈ $2.91 Billion	+21.81%
2024-03-31	Rs221.24 Billion ≈ $2.39 Billion	+36.08%
2023-03-31	Rs162.58 Billion ≈ $1.76 Billion	+19.29%
2022-03-31	Rs136.29 Billion ≈ $1.47 Billion	+19.98%
2021-03-31	Rs113.59 Billion ≈ $1.23 Billion	+17.08%
2020-03-31	Rs97.02 Billion ≈ $1.05 Billion	+23.36%
2019-03-31	Rs78.64 Billion ≈ $850.51 Million	+104.09%
2018-03-31	Rs38.53 Billion ≈ $416.73 Million	+20.35%
2017-03-31	Rs32.02 Billion ≈ $346.27 Million	-14.73%
2016-03-31	Rs37.55 Billion ≈ $406.08 Million	-4.49%
2015-03-31	Rs39.31 Billion ≈ $425.16 Million	+18.59%
2014-03-31	Rs33.15 Billion ≈ $358.52 Million	+17.63%
2013-03-31	Rs28.18 Billion ≈ $304.78 Million	+37.67%
2012-03-31	Rs20.47 Billion ≈ $221.38 Million	+34.29%
2011-03-31	Rs15.24 Billion ≈ $164.85 Million	+71.93%
2010-03-31	Rs8.87 Billion ≈ $95.88 Million	+20.48%
2009-03-31	Rs7.36 Billion ≈ $79.58 Million	-8.25%
2008-03-31	Rs8.02 Billion ≈ $86.74 Million	+10.30%
2007-03-31	Rs7.27 Billion ≈ $78.64 Million	+22.08%
2006-03-31	Rs5.96 Billion ≈ $64.41 Million	+6.46%
2005-03-31	Rs5.59 Billion ≈ $60.51 Million	--

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	Rs48.32 Billion	38.61%
Common Stock	Rs187.80 Million	0.15%
Other Comprehensive Income	Rs49.22 Billion	39.33%
Other Components	Rs27.43 Billion	21.92%
Total Equity	Rs125.15 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
Suzhou Recodeal Interconnect System Co Ltd SHG:688800	$3.16 Billion
Titan Wind Energy Suzhou SHE:002531	$3.16 Billion
Holitech Technology Co Ltd SHE:002217	$3.16 Billion
Avient Corp NYSE:AVNT	$3.16 Billion
Yongan Futures Co.Ltd. SHG:600927	$3.16 Billion
Companhia Energética de Minas Gerais - CEMIG SA:CMIG3	$3.16 Billion
TOMRA SYSTEMS ADR/1 NK 1 F:TMR0	$3.15 Billion
United States Lime & Minerals Inc NASDAQ:USLM	$3.15 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	Rs21.74 Billion	+17.37%
Dividends Paid	Rs1.04 Billion	-0.83%
Share Repurchases	Rs475.20 Million	-0.38%
Share Issuances	Rs475.20 Million	+0.38%
Other Comprehensive Income	Rs-53.01 Billion	-42.36%
Other Changes	Rs55.05 Billion	+43.99%
Total Change	Rs-	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: 2.33x
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 57.36x to 2.33x 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	Rs27.13	Rs1556.10	x
2006-03-31	Rs30.46	Rs1556.10	x
2007-03-31	Rs37.40	Rs1556.10	x
2008-03-31	Rs41.35	Rs1556.10	x
2009-03-31	Rs37.67	Rs1556.10	x
2010-03-31	Rs43.46	Rs1556.10	x
2011-03-31	Rs55.16	Rs1556.10	x
2012-03-31	Rs70.26	Rs1556.10	x
2013-03-31	Rs88.74	Rs1556.10	x
2014-03-31	Rs104.30	Rs1556.10	x
2015-03-31	Rs124.25	Rs1556.10	x
2016-03-31	Rs177.35	Rs1556.10	x
2017-03-31	Rs147.37	Rs1556.10	x
2018-03-31	Rs177.63	Rs1556.10	x
2019-03-31	Rs210.12	Rs1556.10	x
2020-03-31	Rs244.53	Rs1556.10	x
2021-03-31	Rs286.89	Rs1556.10	x
2022-03-31	Rs343.32	Rs1556.10	x
2023-03-31	Rs408.01	Rs1556.10	x
2024-03-31	Rs545.42	Rs1556.10	x
2025-03-31	Rs666.51	Rs1556.10	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	Rs439.79 Million
2006	32.43%	12.33%	0.78x	3.39x	Rs1.26 Billion
2007	24.83%	9.78%	0.68x	3.75x	Rs1.02 Billion
2008	9.11%	3.41%	0.55x	4.85x	Rs-68.31 Million
2009	7.82%	2.25%	0.62x	5.59x	Rs-151.82 Million
2010	14.01%	4.27%	0.57x	5.72x	Rs323.26 Million
2011	19.07%	3.88%	0.40x	12.24x	Rs931.66 Million
2012	20.53%	4.17%	0.38x	12.90x	Rs1.38 Billion
2013	17.39%	3.72%	0.34x	13.96x	Rs1.23 Billion
2014	15.96%	3.55%	0.32x	14.02x	Rs1.16 Billion
2015	18.23%	4.41%	0.32x	13.06x	Rs1.92 Billion
2016	31.25%	13.62%	0.79x	2.92x	Rs7.06 Billion
2017	16.45%	20.05%	0.29x	2.86x	Rs1.78 Billion
2018	16.50%	6.19%	0.86x	3.10x	Rs2.17 Billion
2019	17.67%	6.51%	0.16x	17.23x	Rs3.02 Billion
2020	12.00%	4.09%	0.18x	16.52x	Rs917.92 Million
2021	15.31%	5.71%	0.16x	16.45x	Rs2.86 Billion
2022	15.87%	6.54%	0.16x	15.17x	Rs3.79 Billion
2023	16.84%	6.66%	0.15x	17.10x	Rs5.24 Billion
2024	17.31%	6.50%	0.15x	17.27x	Rs7.48 Billion
2025	17.37%	6.24%	0.16x	17.95x	Rs9.22 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: $23,745,256,005
Average return on equity (ROE) among peers: 11.07%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Cholamandalam Financial Holdings Limited (CHOLAHLDNG)	Rs294.68 Billion	18.77%	7.14x	$3.16 Billion
Akme Fintrade India Ltd (AFIL)	$1.30 Billion	0.00%	2.50x	$41.31 Million
Arman Financial Services Limited (ARMANFIN)	$3.66 Billion	25.65%	4.57x	$169.77 Million
Baid Finserv Limited (BAIDFIN)	$108.03 Million	5.96%	2.17x	$19.08 Million
Bajaj Finance Limited (BAJFINANCE)	$96.00 Billion	19.13%	5.64x	$62.99 Billion
Capri Global Capital Limited (CGCL)	$38.37 Billion	7.28%	2.95x	$1.94 Billion
Cholamandalam Investment and Finance Company Limited (CHOLAFIN)	$22.87 Billion	16.10%	8.42x	$14.26 Billion
CREDITACCESS GRAMEEN LIMITED (CREDITACC)	$51.07 Billion	16.18%	3.28x	$2.25 Billion
CSL Finance Limited (CSLFINANCE)	$773.42 Million	9.31%	0.08x	$55.14 Million
DCM Financial Services Limited (DCMFINSERV)	$-439.02 Million	0.00%	0.00x	$1.13 Million

About Cholamandalam Financial Holdings Limited

NSE:CHOLAHLDNG India Credit Services

Market Cap

$3.16 Billion

Rs292.20 Billion INR

Market Cap Rank

#4781 Global

#204 in India

Share Price

Rs1556.10

Change (1 day)

+0.49%

52-Week Range

Rs1350.90 - Rs2166.00

All Time High

Rs2166.00