CHOLAMANDALAM INV chart

Last update: 2022-06-03
Key statistics and financials
Revenue per share 71.20
Dividend & Yield2.00₹ (0.30%)
Beta 0.98
Market capitalization 555.56B
Operating cash flow -55.71B
ESG Scores unknown

Company description

Cholamandalam Investment and Finance Company Limited, a non-banking finance company, provides various financial services in India. The company operates through Vehicle Finance Loans, Loan Against Property, Home Loans, and Other loans segments. It offers two and three wheeler loans, commercial vehicle loans, tractor loans, car and MUV loans, and construction equipment loans, as well as loans to automobile dealers; loans against properties; home loans; loans for the purchase of resale and new flats, independent houses, and plots; ready to occupy homes; balance transfer facility for existing home loans; home equity loans; business loans for micro, and small and medium enterprises; rural and agri-loans; and refinance against existing vehicles. The company also provides wealth management services that cover mutual funds, fixed deposits and bonds, PMS, insurance, sovereign gold bonds, and initial public offers; investment advisory services; other unsecured loans; and stockbroking services for mutual funds, stocks and derivatives, exchange-traded funds, and bonds, as well as internet broking, demat, and depository participant services. As of March 31, 2021, it operated through a network of 1,137 branches. The company was incorporated in 1978 and is headquartered in Chennai, India.

Sector: Financial Services - Industry: Credit Services

Financial data

Financial Statements

Cashflow Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Change To Liabilities
Total Cashflows From Investing Activities -108.6M -540.5M -15.72B 16.4B
Net Borrowings 122B 43.98B 87.98B 52.91B
Total Cash From Financing Activities 121.91B 24.52B 85.16B 51.5B
Change To Operating Activities -106.05B -39.43B -116.51B -88.08B
Issuance Of Stock 17.4M 11.96B 93.6M 230.8M
Net Income 11.98B 10.54B 15.21B 21.54B
Change In Cash 28.62B 3.23B -18.98B 12.18B
Effect Of Exchange Rate
Total Cash From Operating Activities -93.17B -20.75B -88.42B -55.71B
Depreciation 390.1M 938.7M 880M 1.01B
Change To Account Receivables
Other Cashflows From Financing Activities 1.11B -29.42B -1.84B
Change To Netincome 325M 7.03B 11.86B 9.82B
Capital Expenditures -768.6M -715.6M -328.9M -959.1M

Income Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Research Development
Income Before Tax 18.31B 15.88B 20.47B 29.02B
Net Income 11.98B 10.54B 15.21B 21.54B
Selling General Administrative 6.75B 7.27B 8.11B 9.57B
Gross Profit 35.11B 41.3B 50.16B 58.43B
Ebit
Operating Income 18.11B 15.88B 20.45B 28.17B
Interest Expense
Income Tax Expense 6.35B 5.34B 5.27B 7.49B
Total Revenue 35.14B 41.34B 50.19B 58.43B
Cost Of Revenue 31.9M 40.9M 36M
Total Other Income ExpenseNet 197.7M -5.5M 27.3M 856.8M
Net Income From Continuing Ops 11.97B 10.54B 15.21B 21.54B
Net Income Applicable To Common Shares 11.98B 10.54B 15.21B 21.54B

Balance Sheet Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Total Liabilities 512.81B 558.59B 650.44B 707.1B
Total Stockholder Equity 62.09B 82B 96B 117.69B
Other Current Liabilities 1.3B 2.6B 4.38B 7.2B
Total Assets 574.9B 640.58B 746.44B 824.79B
Common Stock 1.56B 1.64B 1.64B 1.64B
Other Current Assets 6.07B 35.93B 38.74B 3.35B
Retained Earnings 43.39B 51.88B 66.03B
Treasury Stock 452.4M -90.4M -331.2M 116.05B
Cash 31.64B 34.95B 15.93B 43.02B
Total Current Liabilities 162.7B 179.89B 255.06B 10.17B
Other Stockholder Equity 452.4M -90.4M -331.2M 116.05B
Property, Plant, and Equipment 1.45B 2.62B 2.08B 2.65B
Total Current Assets 567.93B 631.91B 720.35B 793.81B
Net Tangible Assets 61.73B 81.69B 95.71B 117.38B
Net Receivables 529.33B 559.88B 665.22B 745.58B
Accounts Payable 2.31B 2.2B 2.79B 1.28B


Insider Transactions

Here are the insider transactions of stock shares related to CHOLAMANDALAM INV:

Filer Name Transaction Text Ownership Date Filer Relation Shares
Abraham (Reji)Sale at price 8.00 per share.D2021-09-03UNREPORTED3.2k
Chandrasekar (R)Sale at price 8.00 per share.D2021-09-03UNREPORTED56k
Madhusudanan (C P)Sale at price 7.81 per share.D2021-09-02UNREPORTED4.75k
Valli Subbiah Benefit TrustSale at price 7.82 per share.D2021-09-01Promoter147.9k
Vaseekaran (Paul E E)Other at price 2.77 per share.D2021-08-31UNREPORTED22.46k
Joy SequeiraOther at price 3.81 per share.D2021-08-31UNREPORTED13k
Kini (Vijay K M)Other at price 2.77 per share.D2021-08-31UNREPORTED20k
Padhi (Bibhu Prasad)Other at price 2.77 per share.D2021-08-31UNREPORTED18.43k
Potulwar (Ashish Prakash)Other at price 2.77 per share.D2021-08-31UNREPORTED17.4k
Prakash (J)Other at price 3.81 per share.D2021-08-31UNREPORTED4k
S (Manickam)Other at price 2.77 per share.D2021-08-31UNREPORTED17.82k
Saini (Aman)Other at price 3.81 per share.D2021-08-31UNREPORTED8.98k
Selvan (Arul D)Other at price 2.77 per share.D2021-08-31UNREPORTED35k
Subramanian (Shankar)Sale at price 7.12 per share.D2021-08-27Chief Risk Officer1.5k
Subramanian (Shankar)Other at price 4.03 per share.D2021-08-11Chief Risk Officer2k
Sujatha (P)Other at price 2.72 per share.D2021-08-11UNREPORTED26.3k
Venkata (R Ratnam)Other at price 2.72 per share.D2021-08-11UNREPORTED32.9k
Waikar (Mahesh Madhukar)Other at price 2.72 per share.D2021-08-11UNREPORTED10k
Benjamin (Jeyanth P)Other at price 3.42 per share.D2021-08-11UNREPORTED4.86k
Bhatia (Ajay)Other at price 2.72 per share.D2021-08-11UNREPORTED1.5k
Kini (Vijay K M)Other at price 2.72 per share.D2021-08-11UNREPORTED10k
Kumar (Prashant)Other at price 2.72 per share.D2021-08-11UNREPORTED5.4k
Kumar (Vinay M)Other at price 3.74 per share.D2021-08-11Promoter9.12k
Kundu (Ravindra Kumar)Other at price 2.72 per share.D2021-08-11Director (Executive)20k
Madhusudanan (C P)Other at price 3.42 per share.D2021-08-11UNREPORTED8.98k
Menon (Balraj C)Other at price 2.72 per share.D2021-08-11UNREPORTED12k
Murpani (Pankaj)Other at price 2.72 per share.D2021-08-11UNREPORTED3k
Nishim (T D)Other at price 2.13 per share.D2021-08-11UNREPORTED33.8k
Nishim (T D)Other at price 2.72 per share.D2021-08-11UNREPORTED1.91k
Bhatia (Ajay)Other at price 2.72 per share.D2021-08-02UNREPORTED8.5k
Krishnakumar (K P)Other at price 2.72 per share.D2021-08-02UNREPORTED41.38k
Murpani (Pankaj)Other at price 2.72 per share.D2021-08-02UNREPORTED54.24k
Waikar (Mahesh Madhukar)Other at price 2.72 per share.D2021-08-02UNREPORTED10k
Tiwari (Abhista)Other at price 3.52 per share.D2021-06-30UNREPORTED24.64k
K (Kannan)Other at price 4.25 per share.D2021-06-30UNREPORTED9.02k
Kshatriya (Jeetendra Singh)Other at price 3.74 per share.D2021-06-30UNREPORTED8.98k
Abraham (Reji)Other at price 3.42 per share.D2021-06-18UNREPORTED7k
Chandrasekar (R)Other at price 2.73 per share.D2021-06-18UNREPORTED90k
Khanapurkar (Ashish)Other at price 2.13 per share.D2021-06-18UNREPORTED6.94k
Sandhu (Amandeep Singh)Sale at price 7.15 per share.D2021-06-18Promoter7.5k
Kshatriya (Jeetendra Singh)Sale at price 7.75 per share.D2021-06-15UNREPORTED8.98k
Venkata (Ramanan)Acquisition at price 6826.87 per share.D2021-06-11UNREPORTED15.6k
Nishim (T D)Sale at price 7.94 per share.D2021-06-07UNREPORTED8k
Prakash (J)Sale at price 7.82 per share.D2021-06-03UNREPORTED500
Kumar (Vinay M)Sale at price 7.54 per share.D2021-06-02Promoter14.16k
Modi (Samir)Sale at price 7.64 per share.D2021-06-02Promoter1k
Sandhu (Amandeep Singh)Other at price 3.48 per share.D2021-06-01Promoter7.5k
Selvan (Arul D)Other at price 2.77 per share.D2021-06-01UNREPORTED6.6k
Sujatha (P)Other at price 2.77 per share.D2021-06-01UNREPORTED92.58k
Venkata (Ramanan)Other at price 3.48 per share.D2021-06-01Promoter10.6k
Alagappan (Valli)Acquisition at price 6881.05 per share.D2021-05-27Promoter8

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to CHOLAMANDALAM INV. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on CHOLAMANDALAM INV

Here is the result of two systematic investment strategies applied to CHOLAMANDALAM INV. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on CHOLAMANDALAM INV

The following chart shows the equity curve of the two systematic investment strategies applied to CHOLAMANDALAM INV:

CHOLAMANDALAM INV automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 133.53% on the backtest period.

Performance at glance

Performance

133.53 %

Latent gain

5170.14 ₹

Invested capital

3871.76 ₹

Annualized return

31.64 %
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Momentum strategy results on CHOLAMANDALAM INV

This is the result of two momentum investment strategies applied to CHOLAMANDALAM INV. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on CHOLAMANDALAM INV

The following chart shows all the entries opened by the momentum investment system on CHOLAMANDALAM INV:

CHOLAMANDALAM INV momentum entries
  • The first momentum investment strategy would give 120.98% of return on CHOLAMANDALAM INV. That represents 9900.45₹ of latent gain with 8183.35₹ of employed capital.
  • The second momentum investment strategy would give 140.32% of return on CHOLAMANDALAM INV. That represents 6787.92₹ of latent gain with 4837.38₹ of employed capital.
Performance at glance (1Q Momentum)

Performance

120.98 %

Latent gain

9900.45 ₹

Invested capital

8183.35 ₹

Annualized return

0.0 %
Performance at glance (2Q Momentum)

Performance

140.32 %

Latent gain

6787.92 ₹

Invested capital

4837.38 ₹

Annualized return

37.52 %

Momentum equity curve on CHOLAMANDALAM INV

The following chart shows the equity curve of the two momentum strategies applied to CHOLAMANDALAM INV:

CHOLAMANDALAM INV momentum equity

Note: the dividends potentially given by CHOLAMANDALAM INV are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on CHOLAMANDALAM INV

The following chart shows the employed capital evolution of the two momentum strategies on CHOLAMANDALAM INV since the beginning:

CHOLAMANDALAM INV

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250₹, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000₹.


Buy the dip strategy result on CHOLAMANDALAM INV

Buy the dip entry openings on CHOLAMANDALAM INV

CHOLAMANDALAM INV

The performance achieved by the robo-advisor on CHOLAMANDALAM INV is 0%. That represents 0.0$ of latent gain with 0.0₹ of employed capital. The following chart shows CHOLAMANDALAM INV stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of CHOLAMANDALAM INV, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

0 %

Latent gain

0.0 ₹

Invested capital

0.0 ₹

Annualized return

0.0 %

Equity curve of the strategy applied to CHOLAMANDALAM INV

The following chart shows the result of the investment strategy applied to CHOLAMANDALAM INV:

CHOLAMANDALAM INV

Note: the dividends potentially given by CHOLAMANDALAM INV are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on CHOLAMANDALAM INV

The following chart shows the employed capital evolution since the beginning of the investment strategy on CHOLAMANDALAM INV:

CHOLAMANDALAM INV

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on CHOLAMANDALAM INV

In this section, I will compare the three previous investment strategies applied to CHOLAMANDALAM INV.

Equity curve comparison on CHOLAMANDALAM INV

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

CHOLAMANDALAM INV investment strategy comparison

Employed capital comparison on CHOLAMANDALAM INV

CHOLAMANDALAM INV investment comparison

Performance comparison on CHOLAMANDALAM INV

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 133.53% 5170.14₹ 3871.76₹ 31.64%
Momentum 1 quarter 120.98% 9900.45₹ 8183.35₹ 30.4%
Momentum 2 quarters 140.32% 6787.92₹ 4837.38₹ 37.52%
Non-directional 0% 0.0₹ 0.0₹ 0.0%
Annualized return comparison

Automatic investment

31.64 %

Momentum 1Q

37.52 %

Momentum 2Q

37.52 %

Non-directional

0.0 %

Correlated stocks

Here are the most positively and negatively correlated stocks with CHOLAMANDALAM INV:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between CHOLAMANDALAM INV and the other stocks. There may be false positives or some missing correlated stocks. If the price of CHOLAMANDALAM INV does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name CHOLAMANDALAM INV
Country India
City Chennai
Address Dare House
Phone 91 44 4090 7172
Website www.cholamandalam.com
FullTime employees
Industry Credit Services
Sector Financial Services
Exchange XNSE
Ticker CHOLAFIN.XNSE
Market

CHOLAMANDALAM INV ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown