Cholamandalam Financial Holdings Intrinsic Value
CHOLAHLDNG Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1405.44 | ₹1124.35 - ₹1686.53 | -9.6% | EPS: ₹117.12, Sector P/E: 12x |
| Book Value Method | asset | ₹3884.75 | ₹3496.28 - ₹4273.23 | +150.0% | Book Value/Share: ₹14183.68, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹3107.80 | ₹2797.02 - ₹3418.58 | +100.0% | Revenue/Share: ₹20191.58, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3107.80 | ₹2797.02 - ₹3418.58 | +100.0% | EBITDA: ₹20928.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹749.57 | ₹674.61 - ₹824.53 | -51.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹965.07 | ₹868.56 - ₹1061.58 | -37.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹3107.80 | ₹2797.02 - ₹3418.58 | +100.0% | ROE: 18.0%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹4661.70 | ₹4195.53 - ₹5127.87 | +200.0% | EPS: ₹117.12, BVPS: ₹14183.68 |
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Valuation Comparison Chart
CHOLAHLDNG Intrinsic Value Analysis
What is the intrinsic value of CHOLAHLDNG?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Cholamandalam Financial Holdings (CHOLAHLDNG) is ₹3107.80 (median value). With the current market price of ₹1553.90, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹749.57 to ₹4661.70, indicating ₹749.57 - ₹4661.70.
Is CHOLAHLDNG undervalued or overvalued?
Based on our multi-method analysis, Cholamandalam Financial Holdings (CHOLAHLDNG) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 18.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 54.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Cholamandalam Financial Holdings
Additional stock information and data for CHOLAHLDNG
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-34,201 Cr | ₹-34,720 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-35,726 Cr | ₹-37,039 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-29,329 Cr | ₹-29,329 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-5,739 Cr | ₹-5,807 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-9,719 Cr | ₹-9,750 Cr | Negative Cash Flow | 3/10 |