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Cholamandalam Investment and Finance Co. Ltd. (IN:CHOLAFIN)
:CHOLAFIN
India Market
CHOLAFIN
Cholamandalam Investment and Finance Co. Ltd.
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Cholamandalam Investment and Finance Co. Ltd. (CHOLAFIN) Ratios

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Cholamandalam Investment and Finance Co. Ltd. Ratios

IN:CHOLAFIN's free cash flow for Q1 2027 was ₹0.54. For the 2027 fiscal year, IN:CHOLAFIN's free cash flow was decreased by ₹ and operating cash flow was ₹0.25. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 7.44 6.24 32.38 0.09 6.96
Quick Ratio
 7.44 6.24 32.38 0.09 -17.42
Cash Ratio
 7.44 6.03 40.10 0.09 22.95
Solvency Ratio
 0.03 0.03 0.03 0.03 0.03
Operating Cash Flow Ratio
 -5.60 6.19 -136.80 -0.75 -206.89
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 -0.75 -0.79
Net Current Asset Value
₹ -2.22T₹ -2.00T₹ -1.71T₹ -1.33T₹ -983.69B
Leverage Ratios
Debt-to-Assets Ratio
 0.86 0.86 0.87 0.86 0.86
Debt-to-Equity Ratio
 6.72 6.93 7.40 6.86 6.79
Debt-to-Capital Ratio
 0.87 0.87 0.88 0.87 0.87
Long-Term Debt-to-Capital Ratio
 0.87 0.87 0.88 0.82 0.81
Financial Leverage Ratio
 7.82 8.06 8.53 8.00 7.92
Debt Service Coverage Ratio
 0.82 0.38 0.36 0.06 0.07
Interest Coverage Ratio
 1.27 0.73 0.46 0.50 0.63
Debt to Market Cap
 1.71 1.85 1.42 1.37 1.56
Interest Debt Per Share
 2.81K 2.67K 2.23K 1.73K 1.25K
Net Debt to EBITDA
 25.39 27.05 27.65 27.03 25.26
Profitability Margins
Gross Profit Margin
54.09%52.59%51.81%52.47%55.48%
EBIT Margin
23.74%22.12%22.18%23.76%28.07%
EBITDA Margin
24.61%23.02%23.13%24.78%29.01%
Operating Profit Margin
28.94%33.32%22.18%23.76%28.07%
Pretax Profit Margin
23.74%22.12%22.18%23.76%28.07%
Net Profit Margin
17.82%16.59%16.47%17.61%20.69%
Continuous Operations Profit Margin
17.82%16.59%16.47%17.61%20.69%
Net Income Per EBT
75.04%75.00%74.24%74.11%73.72%
EBT Per EBIT
82.04%66.39%100.00%100.00%100.00%
Return on Assets (ROA)
2.30%2.13%2.11%2.18%2.35%
Return on Equity (ROE)
20.50%17.18%18.01%17.46%18.58%
Return on Capital Employed (ROCE)
3.77%4.32%2.85%4.23%3.18%
Return on Invested Capital (ROIC)
2.83%3.24%2.11%2.08%7.52%
Return on Tangible Assets
2.30%2.13%2.11%2.18%2.35%
Earnings Yield
4.59%4.58%3.45%3.47%4.26%
Efficiency Ratios
Receivables Turnover
 11.68K 1.06K 24.16 33.29 29.74
Payables Turnover
 175.75 70.51 52.65 31.22 33.41
Inventory Turnover
 0.00 0.00 0.00 0.00 1.80
Fixed Asset Turnover
 14.80 16.89 14.73 12.56 31.38
Asset Turnover
 0.13 0.13 0.13 0.12 0.11
Working Capital Turnover Ratio
 5.89 3.12 -1.45 -0.92 7.68
Cash Conversion Cycle
 -2.05 -4.83 8.18 -0.73 204.67
Days of Sales Outstanding
 0.03 0.34 15.11 10.96 12.27
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 203.32
Days of Payables Outstanding
 2.08 5.18 6.93 11.69 10.93
Operating Cycle
 0.03 0.34 15.11 10.96 215.60
Cash Flow Ratios
Operating Cash Flow Per Share
 -120.82 178.86 -385.67 -429.54 -329.77
Free Cash Flow Per Share
 -122.65 175.72 -388.04 -442.50 -331.92
CapEx Per Share
 1.83 3.14 2.37 12.96 2.15
Free Cash Flow to Operating Cash Flow
 1.02 0.98 1.01 1.03 1.01
Dividend Paid and CapEx Coverage Ratio
 -47.93 34.74 -88.17 -28.71 -79.48
Capital Expenditure Coverage Ratio
 -65.97 56.96 -162.45 -33.16 -153.36
Operating Cash Flow Coverage Ratio
 -0.04 0.07 -0.19 -0.27 -0.28
Operating Cash Flow to Sales Ratio
 -0.30 0.48 -1.25 -1.84 -2.10
Free Cash Flow Yield
-7.73%12.97%-26.43%-37.33%-43.60%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 21.68 21.86 28.95 28.79 23.48
Price-to-Sales (P/S) Ratio
 3.88 3.63 4.77 5.07 4.86
Price-to-Book (P/B) Ratio
 3.92 3.75 5.21 5.03 4.36
Price-to-Free Cash Flow (P/FCF) Ratio
 -12.94 7.71 -3.78 -2.68 -2.29
Price-to-Operating Cash Flow Ratio
 -13.13 7.57 -3.81 -2.76 -2.31
Price-to-Earnings Growth (PEG) Ratio
 0.67 0.98 1.25 1.07 1.00
Enterprise Value Multiple
 41.16 42.80 48.27 47.49 42.01
Enterprise Value
 3.54T 3.11T 2.89T 2.29T 1.57T
EV to EBITDA
 41.16 42.80 48.27 47.49 42.01
EV to Sales
 10.13 9.85 11.16 11.77 12.18
EV to Free Cash Flow
 -33.77 20.95 -8.86 -6.22 -5.75
EV to Operating Cash Flow
 -34.28 20.58 -8.91 -6.41 -5.79
Tangible Book Value Per Share
 403.88 360.26 281.23 235.42 173.90
Shareholders’ Equity Per Share
 404.34 360.78 281.62 235.86 174.54
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.26 0.26 0.26
Revenue Per Share
 408.93 373.57 308.01 233.77 156.68
Net Income Per Share
 72.85 61.98 50.72 41.17 32.42
Tax Burden
 0.75 0.75 0.74 0.74 0.74
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.13 <0.01 0.01
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 -1.50 2.89 -7.60 -10.43 -7.50
Currency in INR