financial_services · CHOLAHLDNG
Cholamandalam Financial
Cholamandalam Financial: PE below historical average. ROTATIONAL regime.
Price
₹1,574.2
Price 2026-08-20
5 day
-1.44%
Short-term move
1 month
+1.55%
Medium-term
Regime
ROTATIONAL
68% confidence
Market cap
₹31.9k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's ROTATIONAL regime affect Cholamandalam Financial (CHOLAHLDNG) in the financial_services sector?”
Price chart
₹1,563
-26.06% over period
About Cholamandalam Financial
Cholamandalam Financial Holdings Limited, an investment company, provides financial services in India. It operates through Financing, Insurance, and Others segments. The company offers vehicle finance, loans against property, home loans, secured business and personal loans, consumer and small enterprises loans, gold loans, and small and medium enterprise loans, as well as various other financial services to customers; and general insurance services, including motor, property and casualty, health, accident, fire and engineering, crop, marine, and travel insurance, as well as reinsurance. It serves first-time borrowers, new to credit customers, and individuals, as well as corporates, small, micro, medium enterprises. The company was formerly known as TI Financial Holdings Limited and changed its name to Cholamandalam Financial Holdings Limited in March 2019. Cholamandalam Financial Holdings Limited was incorporated in 1949 and is based in Chennai, India.
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -9.7% over 14 days) — not a reliable pattern.
52-week position
Trading at 72.6% of 52-week high
Technicals
RSI 14
59
Trend
downtrend
50 DMA
Below
200 DMA
Below
Key metrics
P/E ratio
13.1
29th pct · 7 quarterly points (limited history)
P/B
2.1
ROE
18.0%
Moderate profitability — 18.0% ROE
Market cap
₹31.9k Cr
Revenue growth
1520.0% YoY
Promoter
46.9%
52-week range
₹1,305 – ₹2,169
72.6% of high
RSI (14)
59.0
downtrend
vs 50 DMA
Below
DMA ₹1,591.72
Coverage
100/100
HIGH
Quick Take
Cholamandalam Financial: PE below historical average. ROTATIONAL regime.
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJAJFINSV Bajaj Finserv | ₹2,016 | -0.4% | 30.9 | 14.6% | 530% | ₹3.0L Cr |
| BAJAJHLDNG Bajaj Holdings | ₹11,368 | -1.1% | 12.4 | 12.6% | -4830% | ₹1.2L Cr |
| ABCAPITAL Aditya Birla Capital | ₹409 | +0.3% | 28.4 | 11.2% | 770% | ₹1.1L Cr |
| 360ONE 360 ONE WAM | ₹1,203 | +1.7% | 39.3 | 14.4% | 2690% | ₹46.8k Cr |
| ANANDRATHI Anand Rathi Wealth | ₹2,171.1 | -1.3% | 87.4 | 46.7% | 4760% | ₹34.1k Cr |
| ANGELONE Angel One | ₹289.5 | -0.9% | 34.1 | 15.5% | 3350% | ₹30.7k Cr |
| AADHARHFC Aadhar Housing Finance | ₹474.95 | -5.6% | 22 | 15.8% | 2090% | ₹23.9k Cr |
| APTUS Aptus Value Housing | ₹253.3 | -0.2% | 15.2 | 20.1% | 2210% | ₹14.3k Cr |
| CHOLAHLDNG Cholamandalam Financial | ₹1,574.2 | -0.7% | 13.1 | 18% | 1520% | ₹31.9k Cr |
Tensions to watch
PE in bottom 29% historically — undervaluation or fundamental deterioration?
Low PE can signal value OR declining growth expectations. Check recent earnings and sector outlook.
Promoter holding at 46.9% — neither distress selling nor aggressive buying
No strong insider signal. Watch for changes in promoter stake as a leading indicator.
Key Watchpoints
Breaks above ₹1653 (+5%)
Trend reversal confirmation
Breaks below ₹1495 (-5%)
Further downside risk
PE reverts to median of 13.4 (7 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
