Financials Cholamandalam Investment and Finance Company Limited NSE India S.E.
Stocks
CHOLAFIN
INE121A01016
Consumer Lending
|
Delayed
NSE India S.E.
12:27:50 05/10/2021 BST
|
5-day change | 1st Jan Change | ||
| 558.75 INR | -0.99% |
|
-1.36% | +45.58% |
| 08-31 | Indian firms turn to longer-term debt amid strong demand as yield gap narrows | RE |
| 08-31 | India new issue-Cholamandalam Investment accepts bids for perpetual bonds, bankers say | RE |
Projected Income Statement: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 58,400 | 72,292 | 99,857 | 135,699 | 170,706 | 208,819 | 251,803 | 302,693 |
| Change | - | 23.79% | 38.13% | 35.89% | 25.8% | 22.33% | 20.58% | 20.21% |
| EBITDA 1 | 28,005 | 33,788 | 42,110 | 54,277 | 67,789 | 88,056 | 108,509 | 131,559 |
| Change | - | 20.65% | 24.63% | 28.89% | 24.89% | 29.9% | 23.23% | 21.24% |
| EBIT 1 | 37,712 | 12,731 | 59,039 | 82,311 | 104,965 | 129,238 | 156,836 | 190,159 |
| Change | - | -66.24% | 363.75% | 39.42% | 27.52% | 23.12% | 21.35% | 21.25% |
| Interest Paid 1 | - | - | - | -124,848 | -143,742 | -172,157 | -210,273 | -252,692 |
| Earnings before Tax (EBT) 1 | 28,909 | 35,997 | 45,821 | 57,369 | 69,607 | 90,815 | 111,341 | 136,703 |
| Change | - | 24.52% | 27.29% | 25.2% | 21.33% | 30.47% | 22.6% | 22.78% |
| Net income 1 | 21,467 | 26,662 | 34,228 | 42,585 | 52,196 | 67,962 | 83,110 | 102,041 |
| Change | - | 24.2% | 28.38% | 24.42% | 22.57% | 30.2% | 22.29% | 22.78% |
| Announcement Date | 05/05/22 | 03/05/23 | 30/04/24 | 25/04/25 | 30/04/26 | - | - | - |
Forecast Balance Sheet: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | 943,946 | 1,301,534 | 1,655,454 | 1,962,552 | 2,359,997 | 2,896,490 | 3,574,064 |
| Change | - | - | 37.88% | 27.19% | 18.55% | 20.25% | 22.73% | 23.39% |
| Announcement Date | 05/05/22 | 03/05/23 | 30/04/24 | 25/04/25 | 30/04/26 | - | - | - |
Cash Flow Forecast: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 328.9 | 959.1 | 1,894 | 10,762 | 1,995 | 2,651 |
| Change | - | 191.61% | 97.53% | 468.09% | -81.46% | 32.87% |
| Free Cash Flow (FCF) 1 | - | - | - | - | - | - |
| Change | - | - | - | - | - | - |
| Announcement Date | 08/07/21 | 07/07/22 | 27/07/23 | 04/07/24 | 09/07/25 | 06/07/26 |
Forecast Financial Ratios: Cholamandalam Investment and Finance Company Limited
| Fiscal Period: March | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 47.95% | 46.74% | 42.17% | 40% | 39.71% | 42.17% | 43.09% | 43.46% |
| EBIT Margin (%) | 64.58% | 17.61% | 59.12% | 60.66% | 61.49% | 61.89% | 62.29% | 62.82% |
| EBT Margin (%) | 49.5% | 49.79% | 45.89% | 42.28% | 40.78% | 43.49% | 44.22% | 45.16% |
| Net margin (%) | 36.76% | 36.88% | 34.28% | 31.38% | 30.58% | 32.55% | 33.01% | 33.71% |
| FCF margin (%) | - | - | - | - | - | - | - | - |
| FCF / Net Income (%) | - | - | - | - | - | - | - | - |
Profitability | ||||||||
| ROA | 2.74% | 2.72% | 2.54% | 2.38% | 2.34% | 2.51% | 2.54% | 2.59% |
| ROE | 20.19% | 20.51% | 20.22% | 19.72% | 19.74% | 20.04% | 20.04% | 20.18% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | 27.94x | 30.91x | 30.5x | 28.95x | 26.8x | 26.69x | 27.17x |
| Debt / Free cash flow | - | - | - | - | - | - | - | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | - | - | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | - | - | - | - |
Items per share | ||||||||
| Cash flow per share 1 | -68.2 | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | 2 | 2 | 2 | 2 | 2 | 2.859 | 3.225 | 3.982 |
| Change | - | 0% | 0% | 0% | 0% | 42.95% | 12.8% | 23.46% |
| Book Value Per Share 1 | 142.5 | 173.8 | 232.7 | 280.9 | 356.7 | 431.9 | 525.9 | 645.6 |
| Change | - | 21.96% | 33.88% | 20.68% | 27% | 21.08% | 21.77% | 22.76% |
| EPS 1 | 26.11 | 32.4 | 41.09 | 50.55 | 61.68 | 78.88 | 97.06 | 119 |
| Change | - | 24.09% | 26.82% | 23.02% | 22.02% | 27.88% | 23.06% | 22.56% |
| Nbr of stocks (in thousands) | 821,041 | 822,040 | 839,969 | 841,310 | 852,037 | 854,023 | 854,023 | 854,023 |
| Announcement Date | 05/05/22 | 03/05/23 | 30/04/24 | 25/04/25 | 30/04/26 | - | - | - |
| 2027 * | 2028 * | |
|---|---|---|
| P/E | 20.1x | 16.3x |
| PBR | 3.67x | 3.01x |
| EV / Sales | 17.8x | 16.9x |
| Yield | 0.18% | 0.2% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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