Cholamandalam Financial Holdings Intrinsic Value
Cholamandalam Financial Holdings (CHOLAHLDNG) median intrinsic value is ₹3015.40 from 9 valuation models (range ₹452–₹4523), vs current price ₹1507.70 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Check CHOLAHLDNG company valuation to track the company's total market size over time.
CHOLAHLDNG Valuation Methods Summary — DCF, Graham Number & P/E
Cholamandalam Financial Holdings intrinsic value across 9 models vs current price ₹1507.70 — upside/downside and value range per method. See CHOLAHLDNG P/B ratio to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1756.32 | ₹1405.06 - ₹2107.58 | +16.5% | EPS: ₹146.36, Sector P/E: 12x |
| Book Value Method | asset | ₹3769.25 | ₹3392.33 - ₹4146.18 | +150.0% | Book Value/Share: ₹17831.58, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹3015.40 | ₹2713.86 - ₹3316.94 | +100.0% | Revenue/Share: ₹22151.58, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3015.40 | ₹2713.86 - ₹3316.94 | +100.0% | EBITDA: ₹23924.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹936.70 | ₹843.03 - ₹1030.37 | -37.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹1206.01 | ₹1085.41 - ₹1326.61 | -20.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹3015.40 | ₹2713.86 - ₹3316.94 | +100.0% | ROE: 19.2%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹4523.10 | ₹4070.79 - ₹4975.41 | +200.0% | EPS: ₹146.36, BVPS: ₹17831.58 |
| Dividend Yield Method | dividend | ₹452.31 | ₹407.08 - ₹497.54 | -70.0% | DPS: ₹1.30, Target Yield: 4.0% |
CHOLAHLDNG Intrinsic Value vs Market Price — All Valuation Models
Cholamandalam Financial Holdings fair value range ₹452–₹4523 vs current market price ₹1507.70 across 9 valuation models. For current market price and key ratios, visit CHOLAHLDNG share price.
CHOLAHLDNG Intrinsic Value Analysis — Undervalued or Overvalued?
Cholamandalam Financial Holdings median intrinsic value ₹3015.40, current price ₹1507.70 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of CHOLAHLDNG?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Cholamandalam Financial Holdings (CHOLAHLDNG) is ₹3015.40 (median value). With the current market price of ₹1507.70, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹452.31 to ₹4523.10, indicating ₹452.31 - ₹4523.10.
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%.
CHOLAHLDNG Financial Health — Key Ratios vs Industry Benchmarks
Cholamandalam Financial Holdings financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 56.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
CHOLAHLDNG Cash Flow Quality — Operating & Free Cash Flow
Cholamandalam Financial Holdings operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-30,033 Cr | ₹-31,297 Cr | Negative Cash Flow | 3/10 |
| 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 |