Cholamandalam Investment and Finance Company Limited (CHOLAFIN.NS) stock analysis

In our weekly check, Cholamandalam Investment and Finance Company Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5.

About Cholamandalam Investment and Finance Company Limited

Cholamandalam Investment and Finance Company Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as CHOLAFIN.NS.

What our checks show for CHOLAFIN.NS

Red flags

• The gross margin fell by 3.9 points, to 53.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 3.7% a year.
• The stock has fallen as much as 94% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.1 years.
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.

Warning signs

• The net margin fell by 3.9 points over 5 years, to 17.4%: the company keeps less of each sale as profit.

Strengths

• Operating cash flow is 2.63x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 22.3% a year over the next years.
• Analysts expect the net margin to improve by 16.1 points from today's 17.4%.
• Revenue grew 37% a year over the last 3 years.
• Earnings per share grew 27.9% a year over the last 3 years.
• Net profit grew 29.2% a year over the last 3 years.

Next earnings report: 2026-10-28

Similar companies

PFC.NS · 8593.T · SHRIRAMFIN.NS · V · MA · BAJFINANCE.NS

Questions

What grade does Cholamandalam Investment and Finance Company Limited (CHOLAFIN.NS) have?

In our weekly check, Cholamandalam Investment and Finance Company Limited is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CHOLAFIN.NS stock?

This week's biggest flags for Cholamandalam Investment and Finance Company Limited: Gross margin falling, Weak revenue forecast, Deep past fall. In total 7 of 25 checks show a warning or a red flag.

What does Cholamandalam Investment and Finance Company Limited do?

Cholamandalam Investment and Finance Company Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as CHOLAFIN.NS.

When does Cholamandalam Investment and Finance Company Limited report earnings next?

The next earnings report is expected on 2026-10-28. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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