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Insights for Cholamandalam Investment and Fin Co Ltd
National Stock Exchange: CHOLAFIN
05 - Growing & Profitable but Heavily Leveraged
Sector: Misc
Industry: Misc
Based on PEG Ratio: Unknown
Today's Price
updated on: 		1451.1 (-2.48%)
Open 1493.9 (-2.86%)
High (Upside %) 1499.8 (3.36%)
Low (Downside %) 1450.0 (0.08%)
P. Close 1488.0 (-2.48%)
Open-High % 0.39%
Open-Low % 2.94%
Low-High % 3.43%
Active Buy Quantity 0
Active Sell Quantity 985
% Overtraded
Current Mood bearish
Previous Data
data from:
Open-High % 3.54%
Open-Low % 0.0%
Low-High % 3.54%
Open-Close % 3.33%
Low-Close % 3.33%
High-Close % 0.2%

CHOLAFIN is a Stock listed in the India on the National Stock Exchange under the ticker 'CHOLAFIN'

Company Summary

Business Units or Product Lines

Cholamandalam Investment and Finance Company Limited operates primarily in vehicle finance, home loans, and small and medium-sized enterprises (SME) loans. Additionally, it offers wealth management services and recently entered consumer and personal loan segments.

Business Models for Each Product Line

Vehicle finance involves lending for both new and used vehicles, generating revenue through interest payments. Home loans and SME loans are secured by property or business collateral, with revenue from interest and fees. Wealth management services generate fee-based revenue through investment management, while consumer and personal loans add to revenue via high interest rates. Major expenses include cost of funds, provisions for bad loans, and operational costs.

Future Opportunities for Growth

The company can leverage digital platforms to expand its reach in underserved rural and semi-urban areas. There's significant growth potential in the personal and consumer loan segments, and opportunities to cross-sell financial products across its diverse customer base. Expanding collaborations with fintech companies for innovative loan solutions could also be beneficial.

Potential Major Risks

Major risks include an economic slowdown affecting borrowers' ability to repay loans, regulatory changes impacting lending practices, and competition from both traditional banks and fintech players. Asset quality is a concern, with potential increases in non-performing assets due to macroeconomic factors.

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Also read: https://finance.yahoo.com/CHOLAFIN.NS/profile

Predicted Prices
Key Low (open) Low (high) Close-Down (open) Close-Down (high) Close-Up (open) Close-Up (low) High (open) High (low)
Low Volatility 1484.22
46.84% hit 		1478.29
55.44% hit 		1490.58
18.62% hit 		1496.78
49.87% hit 		1516.64
15.52% hit 		1458.39
53.16% hit 		1498.69
46.64% hit 		1471.1
55.44% hit
Average Volatility 1467.02
34.07% hit 		1455.36
35.35% hit 		1478.26
18.15% hit 		1480.96
36.36% hit 		1529.37
14.25% hit 		1475.52
35.15% hit 		1520.03
29.91% hit 		1494.28
35.35% hit
High Volatility 1441.43
3.29% hit 		1409.34
3.29% hit 		1463.22
3.63% hit 		1438.18
3.9% hit 		1552.81
3.09% hit 		1520.49
3.09% hit 		1565.22
2.96% hit 		1543.07
3.29% hit

CHOLAFIN's predicted prices using open from of 1493.9 and data until date . Current Price is 1451.1

Basic Stats
EBITDA-Display Revenue-Actual Revenue Market Cap-Display Market Cap-Actual Market Cap Enterprise Value-Display Enterprise Value-Actual Enterprise Value Trailing P/E Forward P/E Price/Sales Price/Book Enterprise Value/Revenue Profit Margin Operating Margin Revenue-Display Quarterly Revenue Growth Diluted EPS Quarterly Earnings Growth Total Cash-Display Total Cash-Actual Total Cash Total Debt-Display Total Debt-Actual Total Debt Total Debt/Equity Operating Cash Flow-Display Operating Cash Flow-Actual Levered Free Cash Flow-Display % Held by Insiders % Held by Institutions
nan Cr 113591803904.0 11359.18 1.2 lakh cr 1203011584000.0 120301.16 2.9 lakh cr 2900201832448.0 290020.18 27.02 17.48 10.59 5.08 25.53 39.21% 52.51% 11359.18 Cr 19.8% 52.92 20.1% 5482.97 Cr 54829699072.0 5482.97 1.76 lakh cr 1758793170944.0 175879.32 7.4309 nan Cr -324131487744.0 nan Cr 49.97% 31.3%

source:https://finance.yahoo.com/CHOLAFIN.NS/key-statistics

Reading Information

source:https://finance.yahoo.com/CHOLAFIN.NS/key-statistics

source:https://www.google.com/finance/quote/CHOLAFIN:NSE

source:https://finance.yahoo.com/CHOLAFIN.NS/analysis

source:https://finance.yahoo.com/CHOLAFIN.NS/fair-value

Upside-Downside Spread
Key Weighted 5D 1M 3M 6M 1Y 3Y 10Y
Upside % (high) 9.39% 2.75% (1491) 9.42% (1587.8) 16.08% (1684.4) 16.08% (1684.4) 16.08% (1684.4) 16.08% (1684.4) 16.08% (1684.4)
Downside % (low) 7.21% 3.25% (1404) 3.25% (1404) 3.25% (1404) 17.58% (1196) 19.51% (1168) 54.66% (658) 92.14% (114)
Spread % 2.19% -0.5% 6.17% 12.83% -1.5% -3.43% -38.58% -76.07%

CHOLAFIN's price used for computing the stats is 1451.1 as on date

Cumulative Return Percent
Key Today 5D 2W 1M 3M 6M 1Y 3Y 10Y
Last Price-Trend PrevClose -2.48% 0.55% -6.47% -4.64% -7.84% 23.46% 7.74% 111.53% 1117.88%
Last Price 1451.1 1451.1 1451.1 1451.1 1451.1 1451.1 1451.1 1451.1 1451.1
Trend-Previous Close 1488 1443.2 1551.4 1521.7 1574.5 1175.35 1346.85 686 119.15

CHOLAFIN's symbol cumulative return percent is computed basis data from date

Return Velocity
5D 2W 1M 3M 6M 1Y
5D window
Metric Mean Median Stdev
Overall -1.19% 1426.03 -1.22% 1425.58 3.02% 1360.66 1491.4
Up 0.62% 1452.16 0% 1443.2 1.39% 1422.11 1482.21
Down -3.87% 1387.36 -4.2% 1382.65 1.49% 1355.11 1419.6
5D Opportunity:
returns: 0.55% (2.7%), p.close: 1443.2
entry: 1482.21, exit: 1491.4, min.ret: -0.62%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -3.17% 1397.51 -4.14% 1383.45 3.03% 1331.99 1463.03
Up 0.43% 1449.46 0% 1443.2 1.02% 1427.48 1471.44
Down -4.51% 1378.17 -4.78% 1374.2 1.48% 1346.04 1410.31
5D Opportunity: SELL-APPROACHING
returns: 0.55% (1.96%), p.close: 1443.2
entry: 1471.44, exit: 1463.03, min.ret: 0.57%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.97% 1429.18 -0.22% 1439.96 2.96% 1365.18 1493.17
Up 1.11% 1459.2 0.78% 1454.43 1.2% 1433.19 1485.2
Down -2.47% 1407.62 -1.83% 1416.83 2.23% 1359.35 1455.89
5D Opportunity:
returns: 0.55% (2.91%), p.close: 1443.2
entry: 1485.2, exit: 1493.17, min.ret: -0.54%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.26% 1439.46 0.46% 1449.82 3.78% 1357.71 1521.21
Up 2.17% 1474.45 1.73% 1468.1 2.19% 1427.09 1521.81
Down -2.44% 1407.96 -1.6% 1420.15 2.38% 1356.38 1459.53
5D Opportunity:
returns: 0.55% (5.45%), p.close: 1443.2
entry: 1521.81, exit: 1521.21, min.ret: 0.04%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.76% 1454.18 0.62% 1452.08 4.5% 1356.71 1551.65
Up 2.96% 1485.96 2.28% 1476.04 3.23% 1416.04 1555.87
Down -2.46% 1407.76 -1.88% 1416.13 2.36% 1356.75 1458.78
5D Opportunity:
returns: 0.55% (7.81%), p.close: 1443.2
entry: 1555.87, exit: 1551.65, min.ret: 0.27%
Using: 5D trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.2% 1446.1 0.51% 1450.6 4.54% 1347.73 1544.47
Up 2.72% 1482.51 2.14% 1474.08 2.94% 1418.91 1546.1
Down -2.64% 1405.03 -2.04% 1413.74 2.61% 1348.52 1461.54
5D Opportunity:
returns: 0.55% (7.13%), p.close: 1443.2
entry: 1546.1, exit: 1544.47, min.ret: 0.11%
Using: 5D trend, 0 Days Left
2W window
Metric Mean Median Stdev
Overall -5.34% 1468.49 -5.57% 1464.91 2.13% 1418.85 1518.13
Up 0.95% 1566.19 0.78% 1563.47 1.1% 1540.52 1591.87
Down -6.61% 1448.9 -8.03% 1426.9 2.83% 1382.95 1514.86
2W Opportunity:
returns: -6.47% (-10.86%), p.close: 1551.4
entry: 1382.95, exit: 1418.85, min.ret: 2.6%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -3.01% 1504.74 -3.46% 1497.67 3.73% 1417.98 1591.51
Up 1.33% 1572.02 1.01% 1567.13 1.29% 1542.05 1602.0
Down -4.88% 1475.73 -5.27% 1469.69 3.32% 1398.53 1552.94
2W Opportunity: BUY-APPROACHING
returns: -6.47% (-9.85%), p.close: 1551.4
entry: 1398.53, exit: 1417.98, min.ret: 1.39%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall -0.5% 1543.63 -1.38% 1530.04 4.44% 1440.32 1646.94
Up 3.19% 1600.91 2.77% 1594.37 2.7% 1538.12 1663.71
Down -3.73% 1493.46 -3.17% 1502.3 3.03% 1422.87 1564.04
2W Opportunity: BUY-APPROACHING
returns: -6.47% (-8.28%), p.close: 1551.4
entry: 1422.87, exit: 1440.32, min.ret: 1.23%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.41% 1573.24 1.25% 1570.82 5.3% 1449.85 1696.63
Up 4.67% 1623.91 3.96% 1612.77 4.15% 1527.39 1720.43
Down -3.64% 1494.96 -2.84% 1507.31 3.09% 1423.07 1566.85
2W Opportunity: BUY-APPROACHING
returns: -6.47% (-8.27%), p.close: 1551.4
entry: 1423.07, exit: 1449.85, min.ret: 1.88%
Using: 2W trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.4% 1557.55 0.46% 1558.56 6.09% 1415.86 1699.24
Up 4.36% 1619.05 3.77% 1609.95 3.94% 1527.38 1710.71
Down -4.04% 1488.66 -3.5% 1497.05 3.6% 1404.98 1572.35
2W Opportunity: BUY-APPROACHING
returns: -6.47% (-9.44%), p.close: 1551.4
entry: 1404.98, exit: 1415.86, min.ret: 0.77%
Using: 2W trend, 0 Days Left
1M window
Metric Mean Median Stdev
Overall -4.03% 1460.45 -3.59% 1467.09 3.58% 1378.67 1542.23
Up 3.28% 1571.57 3.25% 1571.22 2.23% 1520.64 1622.5
Down -6.0% 1430.46 -6.29% 1425.98 2.47% 1374.08 1486.83
1M Opportunity:
returns: -4.64% (-9.7%), p.close: 1521.7
entry: 1374.08, exit: 1378.67, min.ret: 0.33%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 0.11% 1523.42 -0.86% 1508.56 5.39% 1400.3 1646.55
Up 5.69% 1608.28 4.57% 1591.28 4.45% 1506.62 1709.93
Down -4.87% 1447.58 -5.02% 1445.39 2.88% 1381.86 1513.3
1M Opportunity:
returns: -4.64% (-9.19%), p.close: 1521.7
entry: 1381.86, exit: 1400.3, min.ret: 1.33%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 3.5% 1574.94 3.67% 1577.51 6.17% 1434.14 1715.74
Up 7.88% 1641.65 8.36% 1648.97 4.4% 1541.12 1742.18
Down -4.65% 1450.91 -4.82% 1448.41 3.05% 1381.26 1520.57
1M Opportunity:
returns: -4.64% (-9.23%), p.close: 1521.7
entry: 1381.26, exit: 1434.14, min.ret: 3.83%
Using: 1M trend, 0 Days Left
Metric Mean Median Stdev
Overall 1.04% 1537.56 0.78% 1533.5 8.66% 1339.95 1735.17
Up 7.03% 1628.74 6.37% 1618.6 4.98% 1514.96 1742.51
Down -5.97% 1430.87 -5.33% 1440.6 4.89% 1319.31 1542.43
1M Opportunity:
returns: -4.64% (-13.3%), p.close: 1521.7
entry: 1319.31, exit: 1339.95, min.ret: 1.56%
Using: 1M trend, 0 Days Left

CHOLAFIN's symbol current price is 1451.1 (-2.48%) as on . Yesterday's close was 1488. It's return velocities are computed basis data from date .

Win Percent
Key Weighted 5D 1M 3M 6M 1Y 3Y
Open-High (> 1.0%) 51.6% 60.0% 45.45% 43.94% 53.03% 50.79% 50.26%
Open-Low (> 1.0%) 57.74% 60.0% 54.55% 56.06% 62.12% 63.49% 57.54%
Open-Close-Up (> 0.5%) 34.73% 40.0% 27.27% 34.85% 36.36% 34.92% 35.71%
Open-Close-Down (> 0.5%) 40.86% 40.0% 40.91% 40.91% 44.7% 45.63% 39.95%
Low-Close-Up (> 1.0%) 72.89% 100% 54.55% 53.03% 62.12% 57.54% 54.5%
High-Close-Down (> 1.0%) 46.03% 40.0% 50.0% 46.97% 56.82% 57.54% 53.44%

CHOLAFIN's symbol win percent is computed basis data from date

Associated Tags