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Cholamandalam Financial Holdings Ltd

NSE:CHOLAHLDNGFinancial ServicesNSE:CNX500NSE:CNXSMALLCAP

₹1,362.80+0.21%At closeAt close · Mon 19 Oct · ≈ AED 52.65 · Market cap $2.69B · Next earnings Fri 6 Nov

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	43.5%	39.2%	36.9%	29.9%	31.4%	48.6%	—	—
Operating margin	31.1%	17.9%	18.1%	17.5%	16.7%	27.5%	27.5%	+0.0 pts
Net margin	5.7%	6.5%	6.7%	6.5%	6.2%	6.2%	6.2%	+0.0 pts
EBITDA margin	25.8%	20.6%	20.7%	20.1%	19.3%	19.4%	—	—
Return on equity	15.3%	15.9%	16.8%	17.3%	17.4%	15.8%	7.2%	−8.6 pts
Return on assets	0.9%	1.0%	1.0%	1.0%	1.0%	0.9%	0.9%	+0.0 pts
Return on capital employed	7.6%	4.0%	3.8%	3.9%	3.6%	4.4%	—	—
Debt / equity	11.9×	10.7×	12.7×	13.1×	13.9×	13.6×	6.2×	−54.4%
Debt / assets	72.2%	70.8%	74.2%	75.7%	77.6%	78.4%	—	—
Interest coverage	1.0×	0.6×	0.6×	177.9×	130.4×	0.0×	—	—
Current ratio	1.0×	0.9×	0.9×	0.8×	0.9×	0.8×	0.8×	+0.0%
Quick ratio	1.0×	0.9×	0.9×	0.8×	0.9×	0.8×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.1×	0.7×	0.7×	+0.0%
Asset turnover	0.2×	0.2×	0.1×	0.2×	0.2×	0.1×	—	—
Receivables turnover	23.9×	25.2×	28.8×	34.6×	35.9×	0.2×	—	—
Dividend payout	7.1%	9.8%	7.8%	5.8%	4.8%	4.9%	—	—