CHOLAFIN
Cholamandalam Investment And Finance Company Limited
Each stock's 10,000-path forecast, rendered as light.
Cholamandalam Investment And Finance Company Limited (CHOLAFIN) Stock Analysis & Case Study
Is CHOLAFIN a good buy? The data-driven verdict.
Cholamandalam Investment And Finance Company Limited (CHOLAFIN) trades at ₹1,866,on the numbers it mixed signals, a Downstox Snapshot Score of 54/100.
On the numbers, Cholamandalam Investment And Finance Company Limited (CHOLAFIN) mixed signals, a Downstox Snapshot Score of 54/100, weighing premium at 27.7× earnings, ROE of 19.4%, a 59% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
CHOLAFIN fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How CHOLAFIN ranks against the 2,373 companies in our screener
- CHOLAFIN's market cap of 1.59L Cr ranks in the top 3% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CHOLAFIN's book value of ₹357 ranks in the 84th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CHOLAFIN's promoter holding of 49.2% ranks in the 28th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CHOLAFIN's 3-year profit (PAT) growth of 25.0% ranks in the 63rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CHOLAFIN's 3-year revenue growth of 34.0% ranks in the 88th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for CHOLAFIN, as of 9 Aug 2026, so it is not ranked here.
Is CHOLAFIN overvalued? CHOLAFIN P/E vs its NBFC
CHOLAFIN's P/E of 27.7× sits above the NBFC peer median of 23.2×, so on earnings it screens richer than peers, while its 0.11% dividend yield is below the peer median of 0.97%.
CHOLAFIN share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 9.8y of CHOLAFIN history (21%/yr drift, 34%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| CHOLAFIN 2027 | ₹1,303 | ₹2,015 | ₹3,115 | +8% |
| CHOLAFIN 2028 | ₹1,173 | ₹2,175 | ₹4,033 | +17% |
| CHOLAFIN 2029 | ₹1,125 | ₹2,349 | ₹4,905 | +26% |
| CHOLAFIN 2030 | ₹1,067 | ₹2,536 | ₹6,027 | +36% |
| CHOLAFIN 2031 | ₹1,045 | ₹2,738 | ₹7,175 | +47% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability CHOLAFIN goes up, or doubles?
The bull case for CHOLAFIN
- CHOLAFIN's return on equity of 19.4% ranks in the 83rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹4,905.
The bear case & risks
- CHOLAFIN's P/E of 27.7x is lower than 49% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹1,125.
CHOLAFIN volatility & expected range, how bumpy is the ride?
Over the last 9.8 years CHOLAFIN compounded at 21%/year with annualized volatility of 34%. That volatility implies a 1-year 80% range of ₹1,303-₹3,115, the honest backbone behind any single price target.
CHOLAFIN price forecast, the full 60-month probability fan
CHOLAFIN price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds CHOLAFIN hits common targets within the simulated horizon?
Full multi-horizon detail on the CHOLAFIN price target & forecast page.
CHOLAFIN Piotroski F-Score: 6/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. CHOLAFIN scores 6/8, mixed financial health.
CHOLAFIN MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy CHOLAFIN with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 27.82% | 3.6× |
| Zerodha | 26.80% | 3.7× |
| Groww | 26.69% | 3.7× |
| Dhan | 24.40% | 4.1× |
| Kotak NeoCHEAPEST | 24.39% | 4.1× |
| Paytm Money | 24.83% | 4.0× |
| Pocketful | 31.35% | 3.2× |
| Anand Rathi | 31.40% | 3.2× |
| Bajaj Broking | 25.00% | 4.0× |
| Share India | 31.34% | 3.2× |
Compare every broker on the CHOLAFIN MTF page.
CHOLAFIN vs peers,NBFC comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| CHOLAFIN (this stock) | 27.7× | 0.11% | ₹1.59L Cr |
| BAJFINANCE | 32.8× | 0.50% | ₹6.71L Cr |
| BAJAJFINSV | 31.3× | 0.07% | ₹3.22L Cr |
| RECLTD | 6.0× | 5.05% | ₹96,639 Cr |
| IRFC | 16.1× | 2.37% | ₹1.16L Cr |
| PFC | 5.3× | 4.42% | ₹1.39L Cr |
| SHRIRAMFIN | 23.2× | 0.97% | ₹2.62L Cr |
Fundamentals from Screener.in, as of 9 Aug 2026
About Cholamandalam Investment And Finance Company Limited: sector, index & market-cap context
Cholamandalam Investment And Finance Company Limited (CHOLAFIN) is a large-cap NSE-listed company in the NBFC sector, and a constituent of the Nifty 500 index, with a market capitalisation of ₹1.59L Cr. See more stocks on our screener.
How the CHOLAFIN Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Cholamandalam Investment And Finance Company Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
CHOLAFIN analysis, FAQs
Is Cholamandalam Investment And Finance Company Limited (CHOLAFIN) a good buy?
On the numbers, Cholamandalam Investment And Finance Company Limited (CHOLAFIN) mixed signals, a Downstox Snapshot Score of 54/100, weighing premium at 27.7× earnings, ROE of 19.4%, a 59% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is CHOLAFIN overvalued or undervalued?
CHOLAFIN trades at 27.7× earnings versus a peer median of 23.2×, so it screens richer than its NBFC peers.
What is the CHOLAFIN share price target for 2031?
CHOLAFIN's probability-weighted 2031 median target is ₹2,738, with an 80% range of ₹1,045-₹7,175 (10,000-path Monte-Carlo).
What is the probability CHOLAFIN doubles in 5 years?
The modelled probability of CHOLAFIN reaching ₹3,732 (2×) within 5 years is 34%.
What is the bull case for CHOLAFIN?
CHOLAFIN's return on equity of 19.4% ranks in the 83rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in CHOLAFIN?
CHOLAFIN's P/E of 27.7x is lower than 49% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.