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Cholamandalam Investment and Finance Company Limited, a non-banking finance company, provides various financial services in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other loans segments. It offers two and three wheeler loans, new and used commercial vehicle loans, tractor loans, car and multi utility vehicles loans, and construction equipment loans, as well as loans to automobile dealers; loans against properties; home loans; loans for the self-construction, purchase of resale and new flats, independent houses, and ready to occupy homes; balance transfer facility for existing home loans; mixed use for residential and commercial; shop loans; business loans for micro, small and medium enterprises; professional loans; personal loans; rural and agri-loans; and refinance against existing vehicles. The company also provides supply chain financing, term loans for capex, loan against shares, and funding on hypothecation of machinery for specific industries; wealth management services comprising mutual funds, fixed deposits and bonds, debentures, PMS, insurance, sovereign gold bonds, and initial public offers; other unsecured loans; and stock broking services for mutual funds, stocks and derivatives, exchange-traded funds, and bonds, as well as internet broking, demat, and depository participant services. In addition, it provides online payment gateway services for e-commerce businesses; e-commerce solutions; and Payswiff, an omni channel payment transaction solution. As of March 31, 2022, it operated through a network of 1,145 branches. The company was incorporated in 1978 and is headquartered in Chennai, India.
TODAY'S HIGH
755
TODAY'S LOW
739.5
52 WEEK HIGH
817.75
52 WEEK LOW
469.25
% of Shares Held by
All Insider
51.73%
% of Shares Held by
Institutions
29.88%
% of Float Held by
Institutions
61.91%
Number of Institutions
Holding Shares
171
MARKET CAP
61141.65 Cr.
ETERPRISE VALUE
136075.72 Cr.
NO. OF SHARES
82.16 Cr.
BOOK VALUE
156.948
DIV. YIELD
0.7%
DEBT
79489.55 Cr.
GROSS PROFIT
4976.81 Cr.
CASH
3892.89 Cr.
REVENUE
5501.46 Cr.
REVENUE/SHARE
66.982
| Particulars | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|
| Investments | 1733.53 Cr. | -1540.89 Cr. | 16.43 Cr. | 63.08 Cr. |
| Change To Liabilities | 0 | 0 | 0 | 0 |
| Total cashflows from Investing Activities | 1639.54 Cr. | -1572.28 Cr. | -54.05 Cr. | -10.86 Cr. |
| Net Borrowings | 5291.36 Cr. | 8797.51 Cr. | 4398.42 Cr. | 12200.48 Cr. |
| Total Cash from Financing Activities | 5150.27 Cr. | 8515.87 Cr. | 2451.81 Cr. | 12190.59 Cr. |
| Other Liabilities | -8807.79 Cr. | -11650.98 Cr. | -3942.68 Cr. | -10604.89 Cr. |
| Total Assets | 23.08 Cr. | 9.36 Cr. | 1195.84 Cr. | 1.74 Cr. |
| Net Income | 2153.51 Cr. | 1520.86 Cr. | 1053.72 Cr. | 1198.06 Cr. |
| Change in Cash | 1218.48 Cr. | -1898.36 Cr. | 322.99 Cr. | 2861.89 Cr. |
| Effect of Exchange Rate | 0 | 0 | 0 | 0 |
| Total Cash from Operating Activities | -5571.33 Cr. | -8841.95 Cr. | -2074.77 Cr. | -9317.34 Cr. |
| Depreciation | 100.63 Cr. | 88 Cr. | 93.87 Cr. | 39.01 Cr. |
| Other Cashflows from Investing Activities | 0 | 0 | 0 | 0 |
| Dividends Paid | -164.17 Cr. | -106.55 Cr. | -200.27 Cr. | -122.39 Cr. |
| Change to Inventory | 0 | 0 | 0 | 0 |
| Change to Account Receivables | 0 | 0 | 0 | 0 |
| Other Cashflows from Financing Activities | 0 | -184.45 Cr. | -2942.18 Cr. | 110.76 Cr. |
| Change to Net Income | 982.32 Cr. | 1185.86 Cr. | 702.94 Cr. | 32.50 Cr. |
| Capital Expenditures | -95.91 Cr. | -32.89 Cr. | -71.56 Cr. | -76.86 Cr. |
| Particulars | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|
| Research Development | None | None | None | None |
| Effect of Accounting Charges | None | None | None | None |
| Income Before Tax | 2902.22 Cr. | 2047.37 Cr. | 1587.80 Cr. | 1831.18 Cr. |
| Minority Interest | None | None | None | None |
| Net Income | 0 | 0 | 0 | 0 |
| Selling General Administrative | 957.20 Cr. | 811.10 Cr. | 727 Cr. | 674.51 Cr. |
| Gross Profit | 5843.09 Cr. | 5015.85 Cr. | 4130.22 Cr. | 3510.75 Cr. |
| Ebit | 0 | 0 | 0 | 0 |
| Operating Income | 2816.54 Cr. | 2044.64 Cr. | 1588.35 Cr. | 1811.41 Cr. |
| Other Operating Expenses | 1968.72 Cr. | 2057.81 Cr. | 1703.62 Cr. | 967.84 Cr. |
| Interest Expense | None | None | None | None |
| Extraordinary Items | None | None | None | None |
| Non Recurring | None | None | None | None |
| Other Items | None | None | None | None |
| Income Tax Expense | 748.71 Cr. | 526.51 Cr. | 534.08 Cr. | 634.59 Cr. |
| Total Revenue | 5843.09 Cr. | 5019.45 Cr. | 4134.31 Cr. | 3513.94 Cr. |
| Total Operating Expenses | 3026.55 Cr. | 2974.81 Cr. | 2545.96 Cr. | 1702.53 Cr. |
| Cost of Revenue | 0 | 3.60 Cr. | 4.09 Cr. | 3.19 Cr. |
| Total Other Income Expense Net | 85.68 Cr. | 2.73 Cr. | -55 Lakhs | 19.77 Cr. |
| Discontinued Operations | None | None | None | None |
| Net Income from Continuous Ops. | 2153.51 Cr. | 1520.86 Cr. | 1053.72 Cr. | 1196.59 Cr. |
| Net Income Applicable to Common Shares | 2153.51 Cr. | 1520.86 Cr. | 1053.72 Cr. | 1198.06 Cr. |
| Particulars | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|
| Intangible Assets | 30.64 Cr. | 29.11 Cr. | 31.27 Cr. | 36.17 Cr. |
| Capital Surplus | 0 | 2866.05 Cr. | 2856.78 Cr. | 1668.50 Cr. |
| Total Liabilities | 70709.68 Cr. | 65044.36 Cr. | 55858.52 Cr. | 51281.41 Cr. |
| Stock Holder Equity | 11769 Cr. | 9599.80 Cr. | 8199.86 Cr. | 6208.71 Cr. |
| Minority Interest | 0 | 0 | 0 | 0 |
| Other Liabilities | 720 Cr. | 437.58 Cr. | 259.77 Cr. | 129.62 Cr. |
| Total Assets | 82478.68 Cr. | 74644.16 Cr. | 64058.38 Cr. | 57490.12 Cr. |
| Common Stock | 164.28 Cr. | 164 Cr. | 163.91 Cr. | 156.36 Cr. |
| Retained Earnings | 0 | 6602.87 Cr. | 5188.21 Cr. | 4338.61 Cr. |
| Other Liabilities | 519.03 Cr. | 284.73 Cr. | 176.68 Cr. | 286.33 Cr. |
| Good Will | 0 | 0 | 0 | 0 |
| Treasury Stock | 11604.72 Cr. | -33.12 Cr. | -9.04 Cr. | 45.24 Cr. |
| Other Assets | 746.56 Cr. | 788.39 Cr. | 541.36 Cr. | 474.67 Cr. |
| Cash | 4301.84 Cr. | 1593.23 Cr. | 3495.14 Cr. | 3164.35 Cr. |
| Current Liabilities | 1017.15 Cr. | 25505.55 Cr. | 17988.85 Cr. | 16270.06 Cr. |
| Long Term Asset Charges | 674.91 Cr. | 768.97 Cr. | 527.47 Cr. | 460.12 Cr. |
| Short Long Term Debt | 0 | 20052.19 Cr. | 14346.88 Cr. | 10832.41 Cr. |
| Other Stockholder Equity | 11604.72 Cr. | -33.12 Cr. | -9.04 Cr. | 45.24 Cr. |
| Property Plant Equipment | 265.18 Cr. | 208.26 Cr. | 262.36 Cr. | 144.97 Cr. |
| Total Cur. Assets | 79381.25 Cr. | 72034.91 Cr. | 63190.69 Cr. | 56792.81 Cr. |
| Long Term Investments | 2055.05 Cr. | 1583.49 Cr. | 32.70 Cr. | 41.50 Cr. |
| Net Tangible Assets | 11738.36 Cr. | 9570.69 Cr. | 8168.59 Cr. | 6172.54 Cr. |
| Short Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 74557.66 Cr. | 66521.61 Cr. | 55987.92 Cr. | 52932.76 Cr. |
| Long Term Debt | 69173.50 Cr. | 39206.05 Cr. | 37620.32 Cr. | 34725.02 Cr. |
| Inventory | 0 | 0 | 0 | 0 |
| Accounts Payable | 127.59 Cr. | 279.30 Cr. | 220.47 Cr. | 231.45 Cr. |
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