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Cholamandalam Investment and Finance Company Ltd 388.70 28.50 (7.91%)

  • BSE: 532386
  • |
  • NSE: CHOLAFIN
  • |
  • ISIN NO: INE121A01024
  • |
  • INDUSTRY: Finance (including NBFCs)
Profile

CHOLAFIN

CHOLAFIN

In 1978, it was being promoted by the Murugappa Group was also incorporated on 17th August at Chennai as a Public Limited Company. It also used to lead with Hire purchase and leasing services for acquiring computers, industrial equipment, and consumer durables. In 1991, it also expanded its product range by introducing automobile finance under its Credit Cars Scheme. Also, the subsidiary Companies Cholamandalam Software Ltd. was being amalgamated with the Chol ... amandalam Factoring Ltd. and Cholamandalam Lease and Hire Purchase Ltd. and Cholamandalam Housing Finance Ltd. discontinued from being the subsidiaries of the Company. Soon, it also augmented its product range by introducing Gold Nest-Child Education Fixed Deposit Scheme and made an issue of the Commercial Paper to the extent of INR 12 crores that were being rated by CRISIL as P1+, which is the highest rating for the issue of Commercial Paper. It also set up a Merchant Banking Division during the year under review that is expected to contribute vitally to the product range and profits for the future. In 1996, it signed an MOU with Guardia Royal Exchange Insurance Group, the U.K. for risk Management services. Also, the subsidiaries of the company are Cholamadalam Factoring Ltd., Cholamandalam Securities Ltd. & Cholamandalam Hazard Management Ltd. CHML or Cholamandalam Hazard Management Limited is a Joint Venture with M/s. Hazard Management Limited of the U.K. that started its operations to provide advisory services in the industrial risk management sector. In 1997, it entered into a joint venture with Cazenove Fund Management Limited of the U.K., Cholamandalam Cazenove AMC Limited began its first mutual fund scheme in February. Also, it has signed a Memorandum of Understanding with the Guardian Royal Exchange Insurance Group, for risk management services. Also, the maiden mutual fund was being introduced. In 1999, it also joined hands with the world's largest insurance company, the 5bn (or assets under management) Axa, S.A.-France, for entering the non-life insurance business in India. In 2000, NAIL or New Ambadi Investments Pvt Ltd also acquired 35,29,959 (or 14.9%) equity shares of the company, and now, its present holding stands at 29,45,113 (or 17.32%). Cholamandalam Distribution Services Ltd. became a wholly-owned subsidiary of the company and effective since September 28 subscribing to a private placement of 15, 00,000. Also, it signed an MoU with HDFC Standard Life Insurance for distributing the latter's products. It also approved an issue of 35, 00,000 cumulative redeemable preference shares of INR 100/- each aggregating to INR 350 million for cash at par on a private placement basis to persons being banks/ bodies/institutions/corporate/mutual funds/ individuals and several other agencies, whether incorporated or not. In 2003, there was an increase in Authorised Capital from INR 700 million to INR 1600 million. Also, the global distribution system provider, Amadeus, tied up with Cholamandalam Finance for offering online travel insurance solutions. The Board approves the issue of 1,26,49,517 Equity Shares of the company of INR 10/- each at a premium of INR 45/- in the ratio of 1 equity share and for every two equity shares held to the existing equity shareholders of the company on a rights basis. It also invoked INR 150-m placing short term bonds. CARSL or Cholamandalam AXA Risk Services Ltd also became a subsidiary of the Company with effect from August 27, 2004. Some of the Milestones:
  • 2006:
  • Also, the company name was changed from Cholamandalam Investment & Finance Company Ltd. to Cholamandalam DBS Finance Ltd.
  • 2010:
  • Soon after, the company name was being changed from M/s. Cholamandalam DBS Finance Ltd to M/s. Cholamandalam Investment and Finance Company Ltd.
  • It also acquired 347379 equity shares in the M/s. Cholamandalam Factoring Ltd.
  • 2012:
  • N Srinivasan, Director was appointed as the Vice-Chairman of the Company.
  • 2013:
  • It organized Sacha Saathi in Auto Nagar.
  • 2014:
  • Apax Partners acquired about 8% Stake in Cholamandalam Investment.
  • 2015:
  • The businesses to reduce costs, grow business agility, and delivered an Integrated Customer Experience, as on March 10, 2015.
  • 2016:
  • The Company expanded its footprints in Karnataka by opening four new branches.
  • 2017:
  • Also, it teamed up with Mavin for the digital push.
  • It also signed an Agreement with JCB.

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Key Data
  • Market cap 20409.00 CR.
  • Book value 99.70
  • Stock P/E 27
  • Dividend Yield 0.68%
  • ROCE 10.30%
  • ROE 14.67%
  • Sales Growth (3Y) 22.91%
  • Face Value (3Y) 2.00
Trend Analysis
  • Short Term Trend :
    Up
  • Medium Term Trend :
    Up
  • Long Term Trend :
    Up

Are you friends with trend?

There is a saying in stock market, "Trend is your best friend"

It means, a good trader doesn't place his money against the trend. Many new traders lose money because they are trying to catch trend reversals but seasoned traders wait for a clear trend to emerge before taking the trade in the direction of trend.

Day Technicals

What is Opening Range Breakout?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

NR7

What is NR7 trading strategy?

Narrow Range trading strategy or NR7 Trading strategy is a breakout based method which assumes that the price of security trends up or down after a brief consolidation in a narrow range.

Opening Price clues

How to use Opening Price Clues in your trades?

If the stock has same open and high after it has traded for some time, it implies there was a consistent selling pressure that didn't allow the stock to move higher from the opening price. Similarly, if the stock has same open and low price, it implies there was a consistent buying intent that kept the stock price above the opening price.

Day High Low Range
TIME LOWEST HIGHEST
10 AM - -
11 AM - -
12 PM - -
1 PM - -
2 PM - -
Japanese Candlestick Patterns
Candle Pattern 1 :None
Candle Pattern 2 : None
Candle Pattern 3 :None
Candlestick Price Action
Higher High Higher Low
Pivot Points
Name S4 S3 S2 S1 Pivot Points R1 R2 R3 R4
classic 311.05 326.40 341.75 347.30 357.10 362.65 372.45 387.80 403.15
woodie's 326.02 341.37 346.46 356.72 361.81 372.08 377.16 387.42 402.78
fibonacci - 341.75 347.61 351.24 357.10 362.96 366.59 372.45 -
camarilla 344.41 348.63 350.04 351.44 -- 354.26 355.66 357.07 361.29
Past Performance & Moving Averages
Day’s LOW HIGH RANGE SMA PERFORMANCE Nifty
10 DAY 308.60
394.90
345.20 16.31 % 1.48 %
20 DAY 248.00
394.90
322.84 18.84 % 5.01 %
50 DAY 220.75
394.90
276.00 45.21 % 10.14 %
100 DAY 195.80
394.90
248.24 59.73 % 13.98 %
200 DAY 117.40
394.90
221.71 152.33 % 40.86 %
YTD 117.40
394.90
234.14 19.23 % 6.75 %
52 Week 117.40
1484.65
257.14 15.25 % 7.33 %

Why are moving Averages important in technical Analysis?

An opening range breakout is breaking out of the day's range after a stock has moved for some time in a sideways trend. In technical terms, its a breakout from the support and resistance level in an upward or downward trend.

Gaps On Day Chart
Unfilled Gap Up On 2020-06-19
179.00 ~ 178.80 SUPPORT
Unfilled Gap Down On 2019-06-14
301.25 ~ 1438.30 RESISTANCE
Industry Growth Rate

In Last 1 Year the industry has grown by 15.91 %

In Last 5 Year the industry has grown by 15.26 %

Peer comparison

Sales

COMPANY NAME 2014 2015 2016 2017 2018 2019
CHOLAFIN 3279.00 3715.00 4214.00 4694.00 5559.00 7088.00
RELCAPITAL 7467.00 8900.00 9941.00 17507.00 18725.00 20453.00
RECLTD 17223.00 20544.00 24125.00 24338.00 22658.00 25408.00
PFC 21407.00 24988.00 27861.00 27581.00 48624.00 54114.00
BAJFINANCE 5392.00 7299.00 9970.00 12746.00 18485.00
Total 12344.00 12707.80 14688.00 16818.00 21662.40 25109.60

Financial

LAST FISCAL CURRENT GROWTH 10 YEAR CAGR
S.NO. COMPANY NAME MARKET CAP CMP BOOK VALUE EPS STOCK P/E ROE GNPA REVENUE NET PROFIT NPM REVENUE NET PROFIT REVENUE NET PROFIT
1 Bajaj Finance Limited 295117.37 4903.30 361.60 69.26 65.38 34.74 1.54% 18485.00 3995.00 21.61% 45.03% 60.06%
2 Paisalo Digital Ltd 67353.69 157.90 154.71 13.89 15.85 1.37 361.00 56.00 15.51% 19.54%
3 PTC INDIA FINANCIAL SERVICES LTD. 54641.40 8.55 32.19 2.87 4.97 0.29 1336.00 184.00 13.77% 12.74%
4 ARMAN FINANCIAL SERVICES LTD. 24912.40 293.50 124.77 30.69 26.84 3.00 141.00 21.00 14.89% 80.77% 200.00%
5 The Investment Trust Of India Ltd 50513.41 99.00 74.90 6.92 17.11 0.69 630.12 35.29 5.60% 87.83% 32.01%
6 PNB GILTS LTD. 47252.88 26.25 50.01
7 SREI INFRASTRUCTURE FINANCE LTD. 30336.84 6.01 58.62 9.67 0.91 0.97 6565.00 487.00 7.42% 21.53% 28.84% 22.78% 19.50%
8 NALWA SONS INVESTMENTS LTD. 33285.22 634.50 5870.00 151.95 5.13 15.60 43.00 78.00 181.40% 19.44% 609.09% 1.51%
9 VARDHMAN HOLDINGS LTD. 31866.51 1000.00 1922.00 632.23 2.03 67.33 9.00 202.00 2244.44% 12.85%
10 POWER FINANCE CORPORATION LTD. 28604.77 108.30 172.14 37.58 3.27 3.76 54114.00 9921.00 18.33% 11.29% 48.32% 23.44% 21.04%
11 MUTHOOT FINANCE LTD. 46232.01 1153.75 264.32 51.86 14.65 5.18 7594.00 2078.00 27.36% 13.11% 13.55%
12 REC Ltd 23846.83 120.75 186.52 29.07 5.19 2.91 25408.00 5741.00 22.60% 12.14% 28.98% 17.93% 16.25%
13 CREST VENTURES LIMITED 17399.06 60.00 115.63 16.84 5.70 1.71 52.00 48.00 92.31% 47.27%
14 Cholamandalam Investment and Finance Company Ltd 30467.73 389.50 83.19 15.32 22.37 7.68 7088.00 1198.00 16.90% 27.50% 30.36% 20.05%
15 SHRIRAM TRANSPORT FINANCE CO.LTD. 24348.85 1071.10 751.03 113.51 9.98 11.35 15529.00 2576.00 16.59% 15.01% 1.06%
16 MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD. 10557.60 170.90 174.08 29.72 13.05 14.85 10429.00 1827.00 17.52% 31.85% 54.18% 22.27% 23.58%
17 RELIANCE CAPITAL LTD. 24568.67 9.71 234.54 20453.00 9.23% 13.41%
18 SUNDARAM FINANCE LTD. 19599.26 1763.50 478.23 105.40 15.83 10.55 3772.00 1161.00 30.78% 59.04% 8.03% 21.33%
19 INDUSTRIAL INVESTMENT TRUST LTD. 16532.44 75.05 206.44 23.00 27.78% 1.93%
20 MANAPPURAM FINANCE LTD. 15205.49 179.80 56.88 10.94 15.43 5.46 0.55% 4116.00 922.00 22.40% 20.32% 36.19% 37.94% 40.85%
Sales

What is Sales Trend ?

Sales trend is a methodology to understand sales results which helps in understanding the trends of the market over a specific period of time. Sales results are an indicative of the sales patterns followed by the customer over a time period.

Profitability

What is Profit & EPS Trend ?

EPS Trends was initially built in late 2015 when I was just getting into frontend development. Coming from a background in Rails, I was frustrated with how many decisions you had to make early on as a javascript developer.

Net Profit
EPS

What is EBITDA Margin & EBIT Margin ?

Corporate accounting is required to adhere to the standards and practices collectively referred to as the generally accepted accounting principles. EBITDA is an excellent way for corporate accountants to start compiling data, but it should not be considered an absolute result. This is due to the fact that many consider EBITDA more of a broad stroke than a definitive form of accounting practice.

EBITDA Margin
EBIT Margin
NPM
Cash Flow

Why is the Cash Flow Analysis important?

A business needs cash to pay its expenses, to pay bank loans, to pay taxes and to purchase new assets. A cash flow report determines whether a business has enough cash to do exactly this.

Operating Activities
Financing Activities
Investing Activities
Financial Health

What Is Financial Health?

Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to financial health, including the amount of savings you have, how much you’re putting away for retirement, and how much of your income you are spending on fixed or non-discretionary expenses.

Debt to Equity
Piotroski Score
  • 0
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9

What Is the Piotroski Score?

The Piotroski score is a discrete score between 0-9 that reflects nine criteria used to determine the strength of a firm's financial position.

Altman Z Score (Mfg Company)
  • Distress (< 1.81)
  • Caution (>1.81 < 2.99)
  • 16.38
    Safe (3 & above)
Altman Z Score (Non-Mfg Company)
  • Distress ( < 1.23)
  • Caution (>1.23 < 2.6)
  • 68.46
    Safe (2.6 & above)
Valuation

What Is Valuation?

Valuation is the analytical process of determining the current (or projected) worth of an asset or a company. There are many techniques used for doing a valuation. An analyst placing a value on a company looks at the business's management, the composition of its capital structure, the prospect of future earnings, and the market value of its assets, among other metrics.

CHOLAFIN: Future
TRADING SYMBOL OI VOLUME LAST PRICE LOT SIZE EXPIRY DATE
CHOLAFIN20DECFUT 5590000.00 14607500.00 381.20 2500 2020-12-31
CHOLAFIN21JANFUT 70000.00 167500.00 378.85 2500 2021-01-28
CHOLAFIN21FEBFUT 574000.00 0.00 0.00 2500 2021-02-25
ROLLOVER COST: -0.62% (INR -2.35)
ROLLOVER%:10.33%
What is the significance of Rollover data?

Rollover in an important data point and should be analyzed in the expiry week. Rollover involves carry forwarding of ‘futures’ positions from one series (which is nearing expiry date) to the next one.

Rollover percentage actually indicates whether the traders are willing to carry forward their existing. positions (long or short) to the next series or not. Generally, the rollover figures alone will not indicate which direction traders are betting on. You should also check whether absolute open interest is increasing or decreasing over expiries

What is Options Max Pain Theory?

Options Max Pain Theory suggests,

“On option expiration day, the underlying stock price often moves toward a point that brings maximum loss to option buyers.”

Ratio Analysis

The Bank was incorporated in the year 2004 by Rana Kapoor and Late Ashok Kapur, which is a new age private sector bank. And since the inception of the bank has fructified into a “Full-Service Commercial Bank,” it has steadily built Corporate and Institutional Banking, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the whole country.

It is well-equipped to offer a spectrum of products and services to all the corporate and retail customers.

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Bulk Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
CHOLAFIN 2017-11-01 NORWEST VENTURE PARTNERS X FII - MAURITIUS S 1187500.00 1200.03
CHOLAFIN 2017-01-19 DYNASTY ACQUISITION (FDI) LTD S 3748032.00 975.04
CHOLAFIN 2017-01-19 DYNASTY ACQUISITION (FDI) LTD S 1642918.00 976.54
CHOLAFIN 2017-01-19 STICHTING DEPOSITARY APG EMERGING MARKETS EQUITY POOL P 1066943.00 975.00
CHOLAFIN 2016-05-27 CREADOR I LLC S 1760000.00 875.00
CHOLAFIN 2015-01-14 SBI MUTUAL FUND P 2725000.00 495.00
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FII I S 2491224.00 495.10
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FUND S 1094800.00 495.00
CHOLAFIN 2014-03-28 JWALAMUKHI INVESTMENT HOLDINGS P 3000000.00 286.99
CHOLAFIN 2014-03-28 INTERNATIONAL FINANCE CORPORATION S 2957838.00 287.00
CHOLAFIN 2012-07-24 MORGAN STANLEY ASIA (SINGAPORE) PTE P 2019915.00 200.00
CHOLAFIN 2012-07-24 COPTHALL MAURITIUS INVESTMENT LIMITED S 2019915.00 200.00
CHOLAFIN 2012-02-07 FNIL A/C COPTHALL MAURITIUS INVESTMENT LIMITED P 843750.00 160.00
CHOLAFIN 2007-06-15 KOTAK PMS S 194764.00 156.22
CHOLAFIN 2006-05-03 KOTAKSEC.PMS SIP P 317795.00 185.00
CHOLAFIN 2005-10-27 AMBIKA KAPUR S 300000.00 143.20
CHOLAFIN 2005-10-27 CRYSTAL TECHNOLOGIES P LT P 300000.00 143.20
CHOLAFIN 2005-10-26 CRYSTAL TECHNOLOGIES P LT P 276700.00 143.90
CHOLAFIN 2005-10-26 SUMANT KAPUR S 276700.00 143.90
CHOLAFIN 2004-06-17 CD Equisearch Pvt.Ltd. P 303500.00 53.80
CHOLAFIN 2004-06-17 Portfolio Mgmt. & Financi S 303500.00 53.80
Block Deals
Symbol Name Deal Date Client Name Transcation Type Quantity Price
CHOLAFIN 2019-08-27 OPPENHEIMER DEVELOPING MARKETS EQUITY UCITS FUND S 108542.00 273.00
CHOLAFIN 2019-08-27 INVESCO DEVELOPING MARKETS EQUITY FUND P 108542.00 273.00
CHOLAFIN 2019-08-27 OPPENHEIMER EMERGING MARKETS INNOVATORS UCITS FUND S 70533.00 273.00
CHOLAFIN 2019-08-27 INVESCO EMERGING MARKETS INNOVATORS EQUITY FUND P 70533.00 273.00
CHOLAFIN 2019-08-27 OPPENHEIMER DEVELOPING MARKETS EQUITY SRI UCITS FUND S 208820.00 273.00
CHOLAFIN 2019-08-27 INVESCO DEVELOPING MARKETS SRI EQUITY FUND P 208820.00 273.00
CHOLAFIN 2019-06-25 TI FINANCIAL HOLIDING LTD P 875000.00 276.75
CHOLAFIN 2019-06-25 AMBADI INVESTMENTS LIMITED S 875000.00 276.75
CHOLAFIN 2017-06-15 VAN ECK EMERGING MARKETS EQUITY UCITS S 70500.00 1097.50
CHOLAFIN 2017-06-15 VANECK ICAV-VANECK-EMERGING MARKETS EQUITY UCITS P 70500.00 1097.50
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FII I S 1286224.00 495.00
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FII I S 500000.00 495.00
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FII I S 400000.00 495.00
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FII I S 343976.00 495.00
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FII I S 250000.00 495.00
CHOLAFIN 2015-01-14 MULTIPLES PRIVATE EQUITY FUND S 1094800.00 495.00
CHOLAFIN 2015-01-14 TATA TRUSTEE COMPANY LIMI TED TRUSTEE FOR TATA MUTUAL FUND P 500000.00 495.00
CHOLAFIN 2015-01-14 SBI MUTUAL FUND P 1286224.00 495.00
CHOLAFIN 2015-01-14 SBI MUTUAL FUND P 1094800.00 495.00
CHOLAFIN 2015-01-14 SBI MUTUAL FUND P 343976.00 495.00
CHOLAFIN 2015-01-14 SUNDARAM MUTUAL FUND P 250000.00 495.00
CHOLAFIN 2015-01-14 BIRLA MUTUAL FUND P 400000.00 495.00
Dividend history
Ex Date Amount
2020-03-04 0.70
2019-12-23 1.00
2019-07-22 0.40
2019-02-08 4.50
2018-07-18 2.00
2018-02-09 4.50
2017-07-19 2.00
2017-02-06 3.50
2016-07-21 2.00
2016-02-09 2.50
2015-07-23 1.00
2015-02-05 2.50
2014-07-23 1.00
2014-02-06 2.50
2013-07-24 1.00
2013-01-30 2.50
2012-07-23 1.00
2012-02-13 1.50
2011-07-21 1.50
2010-05-05 1.00
2008-07-23 4.00
2007-07-23 4.00
2004-03-17 5.00
2003-03-11 5.00
2001-07-09 3.37
Bonus Data
Company Name Split Date From Value To Value
Split Data
Company Name Split Date From Value To Value
Cholamandalam Investment and Finance Company Ltd 2019-06-14 10.00 2.00