Cholamandalam Financial Holdings Limited (CHOLAHLDNG) — key facts
NSE-listed · Financial Services. Data as of 11 Nov 2026 (IST) from InvestSights.
Last close: ₹1,424.2 (-3.53% day change)
Key ratios
- P/E ratio
- 10.95
- P/B ratio
- 1.66
- ROE (%)
- 15.8
- ROCE (%)
- 4.42
- Debt/Equity
- 13.61
- Dividend yield (%)
- 0.47
- Market cap (₹ Cr)
- 26,743.27
Financial health
Industrial forensic models are not applicable. NBFC financial health is assessed using the documented Ind-AS lending framework.
InvestSights quality score
66.9/100 — Above Average (descriptive data-driven composite; not a recommendation)
Management guidance track record
- Crop premium annualised shortfall versus FY25: guided 500Rs Cr, delivered 590Rs Cr (FY26) — missed guidance
- Expense of Management ratio on full premium basis: guided 30.4%, delivered 29.3% (9M FY26) — exceeded guidance
Latest earnings call (Q1 FY27)
AI summary: The central signal is that Chola MS is prioritising underwriting repair over near-term premium growth, particularly in motor OD and health. Q1 GDPI grew only 2.6%, while the claims ratio increased to 85.6% and the combined ratio reached 120.4%, reflecting elevated motor OD claims, motor reserving actions and a ₹12.4 crore net fire loss. Management’s clearest operational…
Full analysis on InvestSights
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