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Cholamandalam Investment and Finance Company Limited (511243) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Cholamandalam Investment and Finance Company Limited

511243Market cap $14BPrice $16.7

Country🇮🇳India

SectorFinancials

IndustryConsumer Finance

Lends to India's underbanked — vehicle loans, home loans, and SME finance for customers traditional banks often skip. Backed by the Murugappa Group, it's grown into one of India's largest non-bank lenders by betting on borrowers others overlook.

In Bastion Portfolios?

52W Return-11%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+23%9

Revenue Forecast

Rev CAGR (1y)+54%10

Rev CAGR (3y)+32%10

Rev CAGR (5y)+28%10

Earnings Forecast

EPS Growth Y+1+25%8

EPS Growth Y+2+23%8

EPS Growth Y+3+22%8

Quality

Margins

EBIT Margin0%8

Net Income Margin41%10

Free Cash Flow Margin-214%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE21%8

ROAna–

Earnings Stability1010

GEAR+STRONG69

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)194

P/E Ratio (Forward 3y)136

P/BV4.54

EV Multiples

EV/EBITDA Fwd04

EV/EBIT Fwd04

Yield

Free Cash Flow Yield0.0%4

Dividend Yieldna–

Momentum

Short term

1 month return-13%2

3 month return-14%3

YTD return-6%4

Mid term

Price vs 52wHigh82%6

1 year return-2%4

Long term

3 year return+32%4

5 year return+176%9

Risk Shield

Price Risk

Beta0.95

Volatility33%6

Free Cash Flow

Free Cash Flow Margin-214%1

Free Cash Flow Yield0.0%4

Quality

ROCE9%–

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

511243Cholamandalam Investment and Finance Company

Revenue FY26$1.4B

GROWTH RATING↗

VERY STRONG97 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+23%9

Revenue, next 1Y+54%10

Revenue, next 3Y, CAGR+32%10

Revenue, next 5Y, CAGR+28%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+25%8

EPS growth, FY28E+23%8

EPS growth, FY29E+22%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 97% of companies worldwide.

Revenue grew 23%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

Revenue is set to grow 32%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 23%/yr over the last 3 years and is set to grow 32%/yr from here.

The runway holds up: revenue is set to grow 28%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 23%/yr vs revenue 32%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

511243Cholamandalam Investment and Finance Company

Total return Current481%

Price return Current461%

MOMENTUM RATING↗

AVERAGE35 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-13%2

3-month return-14%3

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return-2%4

3-year return+32%4

5-year return+176%9

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +32% over three years and +176% over five, ahead of 60% of the market.

WATCH

It's down 2% over the past year, now 18% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-6%).

WEAKNESSES

The stock is underperforming over the past month (-13%) and over three months (-14%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Cholamandalam. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

511243Cholamandalam Investment and Finance Company

Revenue FY26$1.4B

GROWTH RATING↗

VERY STRONG97 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+23%9

Revenue, next 1Y+54%10

Revenue, next 3Y, CAGR+32%10

Revenue, next 5Y, CAGR+28%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+25%8

EPS growth, FY28E+23%8

EPS growth, FY29E+22%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 97% of companies worldwide.

Revenue grew 23%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

Revenue is set to grow 32%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 23%/yr over the last 3 years and is set to grow 32%/yr from here.

The runway holds up: revenue is set to grow 28%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 23%/yr vs revenue 32%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

511243Cholamandalam Investment and Finance Company

Total return Current481%

Price return Current461%

MOMENTUM RATING↗

AVERAGE35 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-13%2

3-month return-14%3

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return-2%4

3-year return+32%4

5-year return+176%9

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +32% over three years and +176% over five, ahead of 60% of the market.

WATCH

It's down 2% over the past year, now 18% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (-6%).

WEAKNESSES

The stock is underperforming over the past month (-13%) and over three months (-14%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on Cholamandalam. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community