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CHOLAFIN (Cholamandalam) Stock Analysis
Buy, Hold or Sell?

Let's analyze Cholamandalam together

I guess you are interested in Cholamandalam Investment and Finance Company Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Cholamandalam’s Financial Insights
  • 📈 Technical Analysis (TA) – Cholamandalam’s Price Targets

I'm going to help you getting a better view of Cholamandalam Investment and Finance Company Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Cholamandalam (30 sec.)










1.2. What can you expect buying and holding a share of Cholamandalam? (30 sec.)

How much money do you get?

How much money do you get?
INR0.09
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR281.38
Expected worth in 1 year
INR475.17
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR201.79
Return On Investment
13.2%

For what price can you sell your share?

Current Price per Share
INR1,531.65
Expected price per share
INR1,467 - INR1,684
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Cholamandalam (5 min.)




Live pricePrice per Share (EOD)
INR1,531.65
Intrinsic Value Per Share
INR-6,765.71 - INR-5,503.25
Total Value Per Share
INR-6,484.33 - INR-5,221.87

2.2. Growth of Cholamandalam (5 min.)




Is Cholamandalam growing?

Current yearPrevious yearGrowGrow %
How rich?$2.7b$2.2b$476.8m17.2%

How much money is Cholamandalam making?

Current yearPrevious yearGrowGrow %
Making money$498.7m$400.1m$98.5m19.8%
Net Profit Margin31.2%33.6%--

How much money comes from the company's main activities?

2.3. Financial Health of Cholamandalam (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#32 / 221

Most Revenue
#18 / 221

Most Profit
#17 / 221
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Cholamandalam?

Welcome investor! Cholamandalam's management wants to use your money to grow the business. In return you get a share of Cholamandalam.

First you should know what it really means to hold a share of Cholamandalam. And how you can make/lose money.

Speculation

The Price per Share of Cholamandalam is INR1,532. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Cholamandalam.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Cholamandalam, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR281.38. Based on the TTM, the Book Value Change Per Share is INR48.45 per quarter. Based on the YOY, the Book Value Change Per Share is INR62.38 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR2.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Cholamandalam.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.590.0%0.590.0%0.480.0%0.480.0%0.390.0%0.320.0%
Usd Book Value Change Per Share0.570.0%0.570.0%0.730.0%0.550.0%0.430.0%0.470.0%
Usd Dividend Per Share0.020.0%0.020.0%0.020.0%0.020.0%0.020.0%0.020.0%
Usd Total Gains Per Share0.590.0%0.590.0%0.750.0%0.570.0%0.450.0%0.490.0%
Usd Price Per Share17.78-17.78-13.53-13.41-11.03-10.56-
Price to Earnings Ratio29.99-29.99-28.45-27.49-28.29-36.47-
Price-to-Total Gains Ratio30.12-30.12-17.97-23.82-25.71-21.95-
Price to Book Ratio5.40-5.40-4.97-4.94-4.97-6.58-
Price-to-Total Gains Ratio30.12-30.12-17.97-23.82-25.71-21.95-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share17.920305
Number of shares55
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.020.02
Usd Book Value Change Per Share0.570.43
Usd Total Gains Per Share0.590.45
Gains per Quarter (55 shares)32.4624.85
Gains per Year (55 shares)129.8599.38
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1512512059589
2102492509189188
31537438014284287
42149951019379386
52662464024473485
63174877028568584
73687390033663683
841998103038757782
9461122116042852881
10511247129047947980

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.00.00.0100.0%7.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.00.00.0100.0%7.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.00.00.0100.0%7.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.00.00.0100.0%7.00.00.0100.0%
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3.2. Key Performance Indicators

The key performance indicators of Cholamandalam Investment and Finance Company Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--48.44948.4490%62.379-22%47.155+3%36.779+32%40.197+21%
Book Value Per Share--281.376281.3760%232.926+21%228.283+23%187.777+50%158.596+77%
Current Ratio----0%-0%1.019-100%1.786-100%2.276-100%
Debt To Asset Ratio--0.8830.8830%0.875+1%0.877+1%0.872+1%0.875+1%
Debt To Equity Ratio--7.5307.5300%6.997+8%7.149+5%6.846+10%7.043+7%
Dividend Per Share--1.9991.9990%1.983+1%1.978+1%1.831+9%1.856+8%
Enterprise Value---503970153180.800-503970153180.8000%-398026354041.600-21%-418054695248.000-17%-307487461678.720-39%-180354477190.400-64%
Eps--50.67550.6750%40.658+25%41.004+24%33.339+52%27.638+83%
Ev To Sales Ratio---3.690-3.6900%-3.906+6%-4.128+12%-3.546-4%-1.153-69%
Free Cash Flow Per Share---387.703-387.7030%-436.996+13%-383.009-1%-264.381-32%-208.443-46%
Free Cash Flow To Equity Per Share---387.703-387.7030%-436.996+13%-274.168-29%-166.130-57%-113.396-71%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---5503.245----------
Intrinsic Value_10Y_min---6765.706----------
Intrinsic Value_1Y_max---327.008----------
Intrinsic Value_1Y_min---462.062----------
Intrinsic Value_3Y_max---1153.589----------
Intrinsic Value_3Y_min---1583.538----------
Intrinsic Value_5Y_max---2186.410----------
Intrinsic Value_5Y_min---2910.382----------
Market Cap1288388788809.600+1%1278210546819.2001278210546819.2000%972905345958.400+31%963918771418.667+33%793204698321.280+61%758897894238.172+68%
Net Profit Margin--0.3120.3120%0.336-7%0.337-7%0.336-7%0.325-4%
Operating Margin----0%-0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%-0%
Pb Ratio5.443+1%5.4005.4000%4.966+9%4.944+9%4.972+9%6.577-18%
Pe Ratio30.225+1%29.98629.9860%28.447+5%27.491+9%28.288+6%36.468-18%
Price Per Share1531.650+1%1519.5501519.5500%1156.600+31%1145.917+33%942.970+61%902.186+68%
Price To Free Cash Flow Ratio-3.951-1%-3.919-3.9190%-2.647-32%-2.971-24%-4.974+27%-6.261+60%
Price To Total Gains Ratio30.361+1%30.12130.1210%17.970+68%23.820+26%25.711+17%21.951+37%
Quick Ratio----0%-0%0.987-100%1.689-100%2.116-100%
Return On Assets--0.0210.0210%0.022-3%0.022-5%0.023-6%0.021-2%
Return On Equity--0.1800.1800%0.175+3%0.1800%0.176+2%0.172+5%
Total Gains Per Share--50.44850.4480%64.361-22%49.133+3%38.610+31%42.052+20%
Usd Book Value--2769236730.0002769236730.0000%2292409080.000+21%2246713170.000+23%1848057822.000+50%1560870257.143+77%
Usd Book Value Change Per Share--0.5670.5670%0.730-22%0.552+3%0.430+32%0.470+21%
Usd Book Value Per Share--3.2923.2920%2.725+21%2.671+23%2.197+50%1.856+77%
Usd Dividend Per Share--0.0230.0230%0.023+1%0.023+1%0.021+9%0.022+8%
Usd Enterprise Value---5896450792.215-5896450792.2150%-4656908342.287-21%-4891239934.402-17%-3597603301.641-39%-2110147383.128-64%
Usd Eps--0.5930.5930%0.476+25%0.480+24%0.390+52%0.323+83%
Usd Free Cash Flow---3815683560.000-3815683560.0000%-4300813530.000+13%-3769488840.000-1%-2601977976.000-32%-2051447412.857-46%
Usd Free Cash Flow Per Share---4.536-4.5360%-5.113+13%-4.481-1%-3.093-32%-2.439-46%
Usd Free Cash Flow To Equity Per Share---4.536-4.5360%-5.113+13%-3.208-29%-1.944-57%-1.327-71%
Usd Market Cap15074148829.072+1%14955063397.78514955063397.7850%11382992547.713+31%11277849625.598+33%9280494970.359+61%8879105362.587+68%
Usd Price Per Share17.920+1%17.77917.7790%13.532+31%13.407+33%11.033+61%10.556+68%
Usd Profit--498735900.000498735900.0000%400147020.000+25%403556790.000+24%328114332.000+52%272004274.286+83%
Usd Revenue--1598012910.0001598012910.0000%1192127040.000+34%1216991490.000+31%984902958.000+62%831266280.000+92%
Usd Total Gains Per Share--0.5900.5900%0.753-22%0.575+3%0.452+31%0.492+20%
 EOD+5 -3MRQTTM+0 -0YOY+21 -133Y+19 -175Y+18 -1810Y+20 -16

3.3 Fundamental Score

Let's check the fundamental score of Cholamandalam Investment and Finance Company Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1530.225
Price to Book Ratio (EOD)Between0-15.443
Net Profit Margin (MRQ)Greater than00.312
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.883
Debt to Equity Ratio (MRQ)Less than17.530
Return on Equity (MRQ)Greater than0.150.180
Return on Assets (MRQ)Greater than0.050.021
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Cholamandalam Investment and Finance Company Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5043.852
Ma 20Greater thanMa 501,569.535
Ma 50Greater thanMa 1001,583.602
Ma 100Greater thanMa 2001,527.381
OpenGreater thanClose1,542.350
Total3/5 (60.0%)

4. In-depth Analysis

4.1 About Cholamandalam Investment and Finance Company Ltd

Cholamandalam Investment and Finance Company Limited, operates as a non-banking finance company in India. The company operates through Vehicle Finance, Loan Against Property, Home Loans, and Other Loans segments. It offers loans for commercial vehicles, passenger vehicles, two- and three- wheelers, and tractors, as well as construction equipment. The company also provides secured loans against property, and home and SME loans, as well as consumer and small enterprise loans, including personal loans, professional loans, and business loans to salaried, self-employed professional and non-professional customers, and micro and small businesses. In addition, it offers portfolio management services, such as investment solutions to individual clients; stock broking services to retail and institutional investors; and distributes insurance products and mutual funds. Further, the company provides dealer portal services under the Gaadi Bazaar brand, that acts as a hub for dealers in listing vehicles, generating leads, and applying for loans and trade advances. Additionally, it operates Payswiff, an omni channel payment transaction solution that lets business owners accept payments from their customers in-store, at home deliveries, online and on-the-go using mPOS and POS solutions. The company was incorporated in 1978 and is based in Chennai, India.

Fundamental data was last updated by Penke on 2025-06-28 17:46:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is overpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Cholamandalam earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare Cholamandalam to the Credit Services industry mean.
  • A Net Profit Margin of 31.2% means that ₹0.31 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 31.2%. The company is making a huge profit. +2
  • The TTM is 31.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ31.2%TTM31.2%0.0%
TTM31.2%YOY33.6%-2.4%
TTM31.2%5Y33.6%-2.4%
5Y33.6%10Y32.5%+1.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ31.2%12.8%+18.4%
TTM31.2%13.7%+17.5%
YOY33.6%14.2%+19.4%
3Y33.7%14.9%+18.8%
5Y33.6%15.9%+17.7%
10Y32.5%15.2%+17.3%
4.3.1.2. Return on Assets

Shows how efficient Cholamandalam is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Cholamandalam to the Credit Services industry mean.
  • 2.1% Return on Assets means that Cholamandalam generated ₹0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 2.1%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.1%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.1%TTM2.1%0.0%
TTM2.1%YOY2.2%-0.1%
TTM2.1%5Y2.3%-0.1%
5Y2.3%10Y2.1%+0.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.1%0.9%+1.2%
TTM2.1%0.9%+1.2%
YOY2.2%1.0%+1.2%
3Y2.2%1.1%+1.1%
5Y2.3%1.0%+1.3%
10Y2.1%1.0%+1.1%
4.3.1.3. Return on Equity

Shows how efficient Cholamandalam is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Cholamandalam to the Credit Services industry mean.
  • 18.0% Return on Equity means Cholamandalam generated ₹0.18 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 18.0%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 18.0%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ18.0%TTM18.0%0.0%
TTM18.0%YOY17.5%+0.6%
TTM18.0%5Y17.6%+0.4%
5Y17.6%10Y17.2%+0.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ18.0%3.2%+14.8%
TTM18.0%3.3%+14.7%
YOY17.5%3.7%+13.8%
3Y18.0%3.5%+14.5%
5Y17.6%3.5%+14.1%
10Y17.2%3.9%+13.3%
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4.3.2. Operating Efficiency of Cholamandalam Investment and Finance Company Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Cholamandalam is operating .

  • Measures how much profit Cholamandalam makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Cholamandalam to the Credit Services industry mean.
  • An Operating Margin of 0.0% means the company generated ₹0.00  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-18.3%-18.3%
TTM-16.0%-16.0%
YOY-22.9%-22.9%
3Y-18.1%-18.1%
5Y-19.6%-19.6%
10Y-23.6%-23.6%
4.3.2.2. Operating Ratio

Measures how efficient Cholamandalam is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₹0.00 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.975-0.975
TTM-0.922-0.922
YOY-0.832-0.832
3Y-0.868-0.868
5Y-0.828-0.828
10Y-0.796-0.796
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4.4.3. Liquidity of Cholamandalam Investment and Finance Company Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Cholamandalam is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 0.00 means the company has ₹0.00 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y1.786-1.786
5Y1.78610Y2.276-0.490
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-2.212-2.212
TTM-2.158-2.158
YOY-1.763-1.763
3Y1.0193.329-2.310
5Y1.7863.991-2.205
10Y2.2764.470-2.194
4.4.3.2. Quick Ratio

Measures if Cholamandalam is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Cholamandalam to the Credit Services industry mean.
  • A Quick Ratio of 0.00 means the company can pay off ₹0.00 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y1.689-1.689
5Y1.68910Y2.116-0.427
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.945-0.945
TTM-0.987-0.987
YOY-1.515-1.515
3Y0.9872.579-1.592
5Y1.6894.212-2.523
10Y2.1164.219-2.103
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4.5.4. Solvency of Cholamandalam Investment and Finance Company Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Cholamandalam assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Cholamandalam to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.88 means that Cholamandalam assets are financed with 88.3% credit (debt) and the remaining percentage (100% - 88.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 0.883. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.883. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.883TTM0.8830.000
TTM0.883YOY0.875+0.008
TTM0.8835Y0.872+0.011
5Y0.87210Y0.875-0.003
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8830.734+0.149
TTM0.8830.741+0.142
YOY0.8750.721+0.154
3Y0.8770.715+0.162
5Y0.8720.719+0.153
10Y0.8750.706+0.169
4.5.4.2. Debt to Equity Ratio

Measures if Cholamandalam is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Cholamandalam to the Credit Services industry mean.
  • A Debt to Equity ratio of 753.0% means that company has ₹7.53 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The MRQ is 7.530. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.530. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.530TTM7.5300.000
TTM7.530YOY6.997+0.533
TTM7.5305Y6.846+0.684
5Y6.84610Y7.043-0.197
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ7.5302.569+4.961
TTM7.5302.593+4.937
YOY6.9972.590+4.407
3Y7.1492.610+4.539
5Y6.8462.526+4.320
10Y7.0432.407+4.636
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings Cholamandalam generates.

  • Above 15 is considered overpriced but always compare Cholamandalam to the Credit Services industry mean.
  • A PE ratio of 29.99 means the investor is paying ₹29.99 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The EOD is 30.225. Based on the earnings, the company is overpriced. -1
  • The MRQ is 29.986. Based on the earnings, the company is overpriced. -1
  • The TTM is 29.986. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD30.225MRQ29.986+0.239
MRQ29.986TTM29.9860.000
TTM29.986YOY28.447+1.539
TTM29.9865Y28.288+1.698
5Y28.28810Y36.468-8.181
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD30.2259.821+20.404
MRQ29.9868.970+21.016
TTM29.98610.013+19.973
YOY28.4478.195+20.252
3Y27.4919.919+17.572
5Y28.28810.718+17.570
10Y36.46812.888+23.580
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The EOD is -3.951. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -3.919. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -3.919. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.951MRQ-3.919-0.031
MRQ-3.919TTM-3.9190.000
TTM-3.919YOY-2.647-1.273
TTM-3.9195Y-4.974+1.055
5Y-4.97410Y-6.261+1.287
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-3.9510.848-4.799
MRQ-3.9190.687-4.606
TTM-3.9190.750-4.669
YOY-2.6470.034-2.681
3Y-2.971-0.066-2.905
5Y-4.9740.202-5.176
10Y-6.261-0.057-6.204
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Cholamandalam is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 5.40 means the investor is paying ₹5.40 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of Cholamandalam Investment and Finance Company Ltd:

  • The EOD is 5.443. Based on the equity, the company is overpriced. -1
  • The MRQ is 5.400. Based on the equity, the company is overpriced. -1
  • The TTM is 5.400. Based on the equity, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD5.443MRQ5.400+0.043
MRQ5.400TTM5.4000.000
TTM5.400YOY4.966+0.435
TTM5.4005Y4.972+0.428
5Y4.97210Y6.577-1.605
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD5.4430.948+4.495
MRQ5.4000.917+4.483
TTM5.4000.959+4.441
YOY4.9661.040+3.926
3Y4.9441.045+3.899
5Y4.9721.198+3.774
10Y6.5771.462+5.115
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets2,018,867,600
Total Liabilities1,782,180,700
Total Stockholder Equity236,686,900
 As reported
Total Liabilities 1,782,180,700
Total Stockholder Equity+ 236,686,900
Total Assets = 2,018,867,600

Assets

Total Assets2,018,867,600
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 95,007,500
Total Current Assets  (as reported)0
Total Current Assets  (calculated)95,007,500
+/- 95,007,500
Long-term Assets
Property Plant Equipment 17,576,900
Long Term Investments 69,404,500
Intangible Assets 329,400
Long-term Assets  (as reported)0
Long-term Assets  (calculated)87,310,800
+/- 87,310,800

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity236,686,900
Total Current Liabilities
Accounts payable 2,369,400
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)2,369,400
+/- 2,369,400
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Total Stockholder Equity (as reported)236,686,900
Total Stockholder Equity (calculated)0
+/- 236,686,900
Other
Capital Stock1,682,500
Common Stock Shares Outstanding 840,941
Net Debt 1,655,352,500
Net Invested Capital 1,987,046,900
Property Plant and Equipment Gross 17,576,900



6.2. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2025-03-312024-03-312023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-31
> Total Assets 
0
0
574,901,200
640,490,300
746,441,600
824,786,800
1,136,269,000
1,566,864,100
2,018,867,600
2,018,867,6001,566,864,1001,136,269,000824,786,800746,441,600640,490,300574,901,20000
   > Total Current Assets 
292,971,270
436,043,400
568,091,200
631,906,900
720,014,800
793,772,600
1,088,831,300
0
0
001,088,831,300793,772,600720,014,800631,906,900568,091,200436,043,400292,971,270
       Cash And Cash Equivalents 
0
0
32,208,100
66,711,300
44,432,200
38,613,800
30,071,000
22,362,300
95,007,500
95,007,50022,362,30030,071,00038,613,80044,432,20066,711,30032,208,10000
       Net Receivables 
287,183,257
425,704,600
529,327,600
559,879,200
665,216,100
748,588,900
1,055,127,700
0
0
001,055,127,700748,588,900665,216,100559,879,200529,327,600425,704,600287,183,257
       Other Current Assets 
850,427
6,955,900
6,070,100
35,934,300
39,536,400
16,330,000
21,856,500
0
0
0021,856,50016,330,00039,536,40035,934,3006,070,1006,955,900850,427
   > Long-term Assets 000000000
       Property Plant Equipment 
1,196,445
1,414,100
1,449,700
2,623,600
2,082,600
2,651,800
4,104,300
15,467,600
17,576,900
17,576,90015,467,6004,104,3002,651,8002,082,6002,623,6001,449,7001,414,1001,196,445
       Long Term Investments 
0
0
1,301,900
1,469,000
16,293,600
22,415,800
41,333,500
42,834,900
69,404,500
69,404,50042,834,90041,333,50022,415,80016,293,6001,469,0001,301,90000
       Intangible Assets 
0
0
361,700
312,700
291,100
306,400
526,200
364,400
329,400
329,400364,400526,200306,400291,100312,700361,70000
> Total Liabilities 
0
0
512,814,100
558,491,700
650,443,600
707,096,800
992,808,000
1,370,931,700
1,782,180,700
1,782,180,7001,370,931,700992,808,000707,096,800650,443,600558,491,700512,814,10000
   > Total Current Liabilities 
104,113,518
119,183,000
162,700,600
179,888,500
254,623,100
260,660,300
356,183,800
0
0
00356,183,800260,660,300254,623,100179,888,500162,700,600119,183,000104,113,518
       Accounts payable 
2,986,865
2,140,300
2,314,500
2,204,700
985,900
1,275,900
1,716,100
2,956,900
2,369,400
2,369,4002,956,9001,716,1001,275,900985,9002,204,7002,314,5002,140,3002,986,865
       Other Current Liabilities 
4,405,344
1,010,500
1,296,200
2,597,700
7,750,500
8,990,800
11,759,700
0
0
0011,759,7008,990,8007,750,5002,597,7001,296,2001,010,5004,405,344
   > Long-term Liabilities 000000000
       Deferred Long Term Liability 
320,766
308,888
0
0
0
0
0
0
0
0000000308,888320,766
> Total Stockholder Equity
0
0
62,087,100
81,998,600
95,998,000
117,690,000
143,461,000
195,932,400
236,686,900
236,686,900195,932,400143,461,000117,690,00095,998,00081,998,60062,087,10000
   Common Stock
1,562,775
1,563,300
1,563,600
1,639,100
1,640,000
1,642,100
1,644,100
0
0
001,644,1001,642,1001,640,0001,639,1001,563,6001,563,3001,562,775
   Retained Earnings Total Equity000000000
   Accumulated Other Comprehensive Income 000000000
   Capital Surplus 000000000
   Treasury Stock000000000
   Other Stockholders Equity 
53,568
346,000
452,400
-90,400
-331,200
1,236,100
1,761,600
0
0
001,761,6001,236,100-331,200-90,400452,400346,00053,568



6.3. Balance Sheets

Currency in INR. All numbers in thousands.




6.4. Cash Flows

Currency in INR. All numbers in thousands.




6.5. Income Statements

Currency in INR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2025-03-31. Currency in INR. All numbers in thousands.

Gross Profit (+$)
totalRevenue136,582,300
Cost of Revenue-0
Gross Profit0136,582,300
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense00
 
Net Interest Income (+$)
Interest Income237,477,400
Interest Expense-124,945,300
Other Finance Cost-0
Net Interest Income112,532,100
 
Pretax Income (+$)
Operating Income0
Net Interest Income112,532,100
Other Non-Operating Income Expenses0
Income Before Tax (EBT)57,441,5000
EBIT - interestExpense = -124,945,300
42,627,000
167,572,300
Interest Expense124,945,300
Earnings Before Interest and Taxes (EBIT)0182,386,800
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax57,441,500
Tax Provision-14,814,500
Net Income From Continuing Ops42,627,00042,627,000
Net Income42,627,000
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-112,532,100
 

Technical Analysis of Cholamandalam
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Cholamandalam. The general trend of Cholamandalam is BULLISH with 28.6% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Cholamandalam's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (28.6%) Bearish trend (-28.6%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Cholamandalam Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Cholamandalam Investment and Finance Company Ltd.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 1,665 < 1,683 < 1,684.

The bearish price targets are: 1,495 > 1,472 > 1,467.

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Cholamandalam Investment and Finance Company Ltd Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Cholamandalam Investment and Finance Company Ltd. The current mas is .

The long score for the Moving Averages is 9/14.
The longshort score for the Moving Averages is 4/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Cholamandalam Investment and Finance Company Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Cholamandalam Investment and Finance Company Ltd. The current macd is -12.9673434.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Cholamandalam price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Cholamandalam. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Cholamandalam price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Cholamandalam Investment and Finance Company Ltd Daily Moving Average Convergence/Divergence (MACD) ChartCholamandalam Investment and Finance Company Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Cholamandalam Investment and Finance Company Ltd. The current adx is 9.94536584.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Cholamandalam shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Cholamandalam Investment and Finance Company Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Cholamandalam Investment and Finance Company Ltd. The current sar is 1,602.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Cholamandalam Investment and Finance Company Ltd Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Cholamandalam Investment and Finance Company Ltd. The current rsi is 43.85. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
Cholamandalam Investment and Finance Company Ltd Daily Relative Strength Index (RSI) ChartCholamandalam Investment and Finance Company Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Cholamandalam Investment and Finance Company Ltd. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Cholamandalam price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Cholamandalam Investment and Finance Company Ltd Daily Stochastic Oscillator ChartCholamandalam Investment and Finance Company Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Cholamandalam Investment and Finance Company Ltd. The current cci is -81.87590423.

Cholamandalam Investment and Finance Company Ltd Daily Commodity Channel Index (CCI) ChartCholamandalam Investment and Finance Company Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Cholamandalam Investment and Finance Company Ltd. The current cmo is -17.17323056.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Cholamandalam Investment and Finance Company Ltd Daily Chande Momentum Oscillator (CMO) ChartCholamandalam Investment and Finance Company Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Cholamandalam Investment and Finance Company Ltd. The current willr is -83.87197992.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Cholamandalam Investment and Finance Company Ltd Daily Williams %R ChartCholamandalam Investment and Finance Company Ltd Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Cholamandalam Investment and Finance Company Ltd.

Cholamandalam Investment and Finance Company Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Cholamandalam Investment and Finance Company Ltd. The current atr is 40.47.

Cholamandalam Investment and Finance Company Ltd Daily Average True Range (ATR) ChartCholamandalam Investment and Finance Company Ltd Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Cholamandalam Investment and Finance Company Ltd. The current obv is 38,244.

Cholamandalam Investment and Finance Company Ltd Daily On-Balance Volume (OBV) ChartCholamandalam Investment and Finance Company Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Cholamandalam Investment and Finance Company Ltd. The current mfi is 45.56.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Cholamandalam Investment and Finance Company Ltd Daily Money Flow Index (MFI) ChartCholamandalam Investment and Finance Company Ltd Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Cholamandalam Investment and Finance Company Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-14STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-20WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-24SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-02-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-27MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-03STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-03-04BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-03-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-13MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-17STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-21STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-24STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-03-26MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-03-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-04-03WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-07STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-11SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-17STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-21STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-22STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-07STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-08STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-09DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-05-14WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-16STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-19STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-21STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-22STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-27CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-06-03WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-04CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-06-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-09SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-06-11STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-17STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-18CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-19STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-06-27CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-01CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-07-02MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-07-03CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-07-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-09DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-07-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside

6.3. Candlestick Patterns

Cholamandalam Investment and Finance Company Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Cholamandalam Investment and Finance Company Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5043.852
Ma 20Greater thanMa 501,569.535
Ma 50Greater thanMa 1001,583.602
Ma 100Greater thanMa 2001,527.381
OpenGreater thanClose1,542.350
Total3/5 (60.0%)
Penke
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