Cholamandalam Financial Holdings Limited (CHOLAHLDNG.NS) stock analysis

In our weekly check, Cholamandalam Financial Holdings Limited is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 3.

About Cholamandalam Financial Holdings Limited

Cholamandalam Financial Holdings Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as CHOLAHLDNG.NS.

What our checks show for CHOLAHLDNG.NS

Red flags

• Analysts expect revenue to shrink about 68.1% a year.
• The stock has fallen as much as 76% from a peak. Would you have held through that?
• Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.

Warning signs

• Analysts expect earnings per share to shrink about 100% a year.
• The net margin is only 6.3%: little room if costs rise.
• The price swings a lot: 35.1% annual volatility. Expect large ups and downs.
• Thinly traded (about 171 thousand shares a day): buying and selling can move the price.

Strengths

• The gross margin is 42.2% and has risen by 3 points: pricing power is holding.
• Operating cash flow is 5.95x net profit: the profit arrives as real cash.
• Revenue grew 29.7% a year over the last 3 years.
• Earnings per share grew 27.4% a year over the last 3 years.
• Net profit grew 27.4% a year over the last 3 years.
• Free cash flow is 36.7% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2026-11-06

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Questions

What grade does Cholamandalam Financial Holdings Limited (CHOLAHLDNG.NS) have?

In our weekly check, Cholamandalam Financial Holdings Limited is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CHOLAHLDNG.NS stock?

This week's biggest flags for Cholamandalam Financial Holdings Limited: Weak revenue forecast, Deep past fall, Low return on capital. In total 7 of 24 checks show a warning or a red flag.

What does Cholamandalam Financial Holdings Limited do?

Cholamandalam Financial Holdings Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as CHOLAHLDNG.NS.

When does Cholamandalam Financial Holdings Limited report earnings next?

The next earnings report is expected on 2026-11-06. 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 2026-10-31

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