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Discovery themes featuring this stock
Bearish
3
Neutral
5
Bullish
6
Bearish
35
Neutral
5
Bullish
6
Bearish
32
Neutral
0
Bullish
0
Bearish
3
Neutral
5
Bullish
6
Bearish
3
Neutral
5
Bullish
6
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
Bearish
32
Neutral
0
Bullish
0
Upcoming Result Date: Nov 05, 2026
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Discovery themes featuring this stockCholamandalam Financial Holdings Ltd (CHOLAHLDNG) is currently trading at 1,327.50 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Cholamandalam Financial Holdings Limited is the Murugappa Group holding company for financial services, owning material stakes in Cholamandalam MS General Insurance and lending and wealth subsidiaries, and operating across general insurance, NBFC lending, SME finance, leasing, risk advisory and fintech services through group companies and acquisitions. Chola MS reported Q1 FY2027 gross direct premium income of Rs. 1,860 crore (up 2.6% year‑on‑year) and gross written premium of Rs. 2,130 crore (up 6.7% year‑on‑year), but reported a quarterly combined ratio elevated at 120.4% driven by motor OD reserve strengthening, higher claims and a one large fire loss, highlighting near‑term underwriting pressure. The insurance balance sheet remains robust with a solvency ratio of 1.93x and an investment portfolio of approximately Rs. 19,000 crore generating about Rs. 380 crore of investment income in the quarter, while portfolio yield improved to 7.31% through active portfolio management and rebalancing. Management is prioritizing profitability over volume in health and commercial lines, implementing portfolio optimization, pricing interventions, tighter underwriting controls, claims process improvements, and technology initiatives such as a full motor issuance platform rollout and claims workflow enhancements to restore sustainable underwriting margins. On the lending side, Cholamandalam Financial Holdings Limited materially expanded SME footprint in FY2026 to 22 regions, over 120 branches and ~12,200 MSME customers, and established strategic OEM partnerships and new leasing and secured business products to diversify and scale originations beyond traditional retail lending channels.
Over the past 52 weeks, Cholamandalam Financial Holdings Ltd has traded between a low of ₹1,281.20 and a high of ₹2,061.45. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Cholamandalam Financial Holdings Ltd has a market capitalization of approximately 24,967.83. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Cholamandalam Financial Holdings Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 4.15 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 24,967.83 Cr, Cholamandalam Financial Holdings Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Cholamandalam Financial Holdings Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Cholamandalam Financial Holdings Ltd is 4.15. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The budget's increased capital expenditure of ₹12.2 lakh crore is expected to significantly boost demand for commercial vehicles and construction equipment, which are the core lending segments for Cholamandalam's NBFC subsidiary.
Cholamandalam Financial Holdings Limited is the Murugappa Group holding company for financial services, owning material stakes in Cholamandalam MS General Insurance and lending and wealth subsidiaries, and operating across general insurance, NBFC lending, SME finance, leasing, risk advisory and fintech services through group companies and acquisitions.
Chola MS reported Q1 FY2027 gross direct premium income of Rs. 1,860 crore (up 2.6% year‑on‑year) and gross written premium of Rs. 2,130 crore (up 6.7% year‑on‑year), but reported a quarterly combined ratio elevated at 120.4% driven by motor OD reserve strengthening, higher claims and a one large fire loss, highlighting near‑term underwriting pressure.
The insurance balance sheet remains robust with a solvency ratio of 1.93x and an investment portfolio of approximately Rs. 19,000 crore generating about Rs. 380 crore of investment income in the quarter, while portfolio yield improved to 7.31% through active portfolio management and rebalancing.
Management is prioritizing profitability over volume in health and commercial lines, implementing portfolio optimization, pricing interventions, tighter underwriting controls, claims process improvements, and technology initiatives such as a full motor issuance platform rollout and claims workflow enhancements to restore sustainable underwriting margins.
On the lending side, Cholamandalam Financial Holdings Limited materially expanded SME footprint in FY2026 to 22 regions, over 120 branches and ~12,200 MSME customers, and established strategic OEM partnerships and new leasing and secured business products to diversify and scale originations beyond traditional retail lending channels.
Finance
Investment Company
24,927 Cr
High Risk
4.1
15.9
15.6
1.6
2,061.45
1,281.20
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
586.80 | 29,689 Cr | 68.90 | 1.02 | 0.58 | 1.48 | 1.62 | 1.32 | ||
1329.65 | 24,968 Cr | 4.15 | 1.62 | 0.10 | 15.80 | 9.32 | 2.24 | ||
10999.45 | 22,254 Cr | 5.72 | 3.44 | 0.78 | 26.23 | 17.66 | 6.07 | ||
11966.95 | 13,677 Cr | 49.10 | 0.49 | 1.84 | 1.12 | 1.12 | 0.90 | ||
11285.35 | 12,527 Cr | 99.06 | 0.38 | 0.00 | 0.44 | 0.57 | 0.32 | ||
387.65 | 8,610 Cr | 62.86 | 1.43 | 2.88 | 8.65 | 3.93 | 2.03 | ||
212.35 | 7,321 Cr | 405.36 | 2.59 | 0.00 | 2.96 | 2.01 | 0.12 | ||
| Median: 7 Co. | — | 1329.65 | 13,677 Cr | 62.86 | 1.43 | 0.58 | 2.96 | 2.01 | 1.32 |
