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Cholamandalam Investment and Finance

Cholamandalam's net profit rose 30.3% to INR 11,981 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance made a net profit of INR 11,981 mil under revenues of INR 35,207 mil in 2018, up 30.3% and 21.3% ...

Cholamandalam's net profit rose 30.3% to INR 11,981 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance made a net profit of INR 11,981 mil under revenues of INR 35,207 mil in 2018, up 30.3% and 21.3% ...

Cholamandalam's price/earnings (P/E) fell 23.2% to 19.0 in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance stock traded at INR 290 per share at the end 2018 implying a market capitalization of USD 3,260 mil. ...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	INR mil	20,483	25,777	29,778
Net Fee Income	INR mil	...	1,793	2,473
Other Income	INR mil	4,175	1,456	2,956
Total Revenues	INR mil	24,658	29,026	35,207
Operating Profit	INR mil	14,203	14,008	18,315
Provisions	INR mil	3,160	0	0
Net Profit	INR mil	7,194	9,193	11,981

Balance Sheet		2016	2017	2018
Interbank Loans	INR mil	1,821	228	168
Customer Loans	INR mil	292,616	422,440	526,108
Total Assets	INR mil	305,982	441,668	574,901
Shareholders' Equity	INR mil	42,999	51,258	62,087
Interbank Borrowing	INR mil	32,305	0	0
Customer Deposits	INR mil	0	0	0
Issued Debt Securities	INR mil	151,046	201,664	321,238

Ratios		2016	2017	2018
ROE	%	18.0	19.5	21.1
ROA	%	2.46	2.46	2.36
Costs (As % Of Assets)	%	3.58	4.02	3.32
Costs (As % Of Income)	%	42.4	51.7	48.0
Capital Adequacy Ratio	%	18.6	18.4	17.4
Net Interest Margin	%	7.00	6.90	5.86
Loans (As % Of Deposits)	%	...	...	...

Valuation	2016	2017	2018
Price/Earnings (P/E)	21.0	24.7	19.0
Price/Book Value (P/BV)	3.51	4.43	3.66
Earnings Per Share (EPS)	9.21	11.8	15.3
Book Value Per Share	55.0	65.5	79.4

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	INR mil													8,826	11,977	14,637	18,161	20,483
Total Revenues	INR mil													11,618	15,103	17,573	21,661	24,658
Operating Profit	INR mil													5,755	8,371	9,913	13,049	14,203
Net Profit	INR mil													3,079	3,683	4,441	5,747	7,194
balance sheet
Interbank Loans	INR mil	...	...	...	...	...	...	...	...					1,720	390	246	160	1,821
Customer Loans	INR mil													174,335	203,752	231,311	268,341	292,616
Debt Securities	INR mil													48.6	166	118	115	218
Total Assets	INR mil													182,285	215,442	238,680	278,892	305,982
Shareholders' Equity	INR mil													19,526	22,868	31,744	36,732	42,999
Interbank Borrowing	INR mil													69,699	31,473	26,763	39,712	32,305
Customer Deposits	INR mil													0	0	0	0	0
Issued Debt Securities	INR mil													82,987	98,330	124,245	109,312	151,046
ratios
ROE	%													18.3	17.4	16.3	16.8	18.0
ROA	%													1.94	1.85	1.96	2.22	2.46
Costs (As % Of Assets)	%													3.70	3.38	3.37	3.33	3.58
Costs (As % Of Income)	%													50.5	44.6	43.6	39.8	42.4
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	19.0	17.2	21.2	19.7	18.6
Net Interest Margin	%													5.56	6.02	6.45	7.02	7.00
Interest Income (As % Of Revenues)	%													76.0	79.3	83.3	83.8	83.1
Fee Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Equity (As % Of Assets)	%													10.7	10.6	13.3	13.2	14.1
Loans (As % Of Deposits)	%	...	...			...			...	...	...	...	...	...	...	...	...	...	...	...
Loans (As % Assets)	%													95.6	94.6	96.9	96.2	95.6
valuation
Market Capitalisation (End Of Period)	USD mil													669	669	1,357	1,643	2,220
Number Of Shares (Average)	mil													671	717	726	755	781
Share Price (End Of Period)	INR													54.6	57.7	118	144	193
Earnings Per Share (EPS)														4.59	5.14	6.12	7.61	9.21
Book Value Per Share														29.1	31.9	43.7	48.6	55.0
Price/Earnings (P/E)										...				11.9	11.2	19.3	19.0	21.0
Price/Book Value (P/BV)														1.88	1.81	2.69	2.97	3.51
Earnings Per Share Growth	%	...												62.7	12.0	19.1	24.4	21.0
Book Value Per Share Growth	%	...												24.2	9.65	37.1	11.2	13.1

income statement	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	INR mil													22,926	29,671	34,215	38,641	42,763
Interest Cost	INR mil													14,100	17,694	19,578	20,480	22,279
Net Interest Income	INR mil													8,826	11,977	14,637	18,161	20,483
Net Fee Income	INR mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Other Income	INR mil													2,792	3,125	2,936	3,500	4,175
Total Revenues	INR mil													11,618	15,103	17,573	21,661	24,658
Operating Cost	INR mil													5,863	6,731	7,659	8,612	10,455
Operating Profit	INR mil													5,755	8,371	9,913	13,049	14,203
Provisions	INR mil	...												1,233	2,834	3,249	4,273	3,160
Extra and Other Cost	INR mil	...												0	-7.28	1.88	-19.3	-30.8
Pre-Tax Profit	INR mil													4,522	5,545	6,662	8,795	11,074
Tax	INR mil													1,443	1,862	2,221	3,048	3,895
Minorities	INR mil													...	0	0	-0.332	-15.0
Net Profit	INR mil													3,079	3,683	4,441	5,747	7,194
growth rates
Net Interest Income Growth	%	...												52.2	35.7	22.2	24.1	12.8
Net Fee Income Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Total Revenue Growth	%	...												32.7	30.0	16.4	23.3	13.8
Operating Cost Growth	%	...												28.4	14.8	13.8	12.4	21.4
Operating Profit Growth	%	...												28.4	14.8	47.3	31.6	8.85
Pre-Tax Profit Growth	%	...												56.3	22.6	20.2	32.0	25.9
Net Profit Growth	%	...												82.2	19.6	20.6	29.4	25.2
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...	...		0.492	0.560	0.579	0.643	0.613		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...	...		0.520	0.683	0.814	1.40	...	...	...

balance sheet	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	INR mil													4,037	8,128	3,522	5,095	4,938
Interbank Loans	INR mil	...	...	...	...	...	...	...	...					1,720	390	246	160	1,821
Customer Loans	INR mil													174,335	203,752	231,311	268,341	292,616
Debt Securities	INR mil													48.6	166	118	115	218
Fixed Assets	INR mil													663	686	651	1,063	1,196
Total Assets	INR mil													182,285	215,442	238,680	278,892	305,982
Shareholders' Equity	INR mil													19,526	22,868	31,744	36,732	42,999
Of Which Minority Interest	INR mil													0	0	0	35.0	20.0
Liabilities	INR mil													162,759	192,574	206,936	242,160	262,983
Interbank Borrowing	INR mil													69,699	31,473	26,763	39,712	32,305
Customer Deposits	INR mil													0	0	0	0	0
Issued Debt Securities	INR mil													82,987	98,330	124,245	109,312	151,046
Other Liabilities	INR mil													10,073	62,771	55,928	93,137	79,633
growth rates
Customer Loan Growth	%	...												34.1	16.9	13.5	16.0	9.05
Total Asset Growth	%	...												35.1	18.2	10.8	16.8	9.71
Shareholders' Equity Growth	%	...												39.1	17.1	38.8	15.7	17.1
Customer Deposit Growth	%	...	...	...			...			...	...	...	...	...	...	...	...	...	...	...
market share
Market Share in Customer Loans	%	...	...	...	...									0.316	0.317	0.326	0.337	0.354		...
Market Share in Total Assets	%													0.210	0.213	0.214	0.221	0.215		...
Market Share in Customer Deposits	%													0	0	0	0	0		...

ratios	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%													18.3	17.4	16.3	16.8	18.0
ROA	%													1.94	1.85	1.96	2.22	2.46
Costs (As % Of Assets)	%													3.70	3.38	3.37	3.33	3.58
Costs (As % Of Income)	%													50.5	44.6	43.6	39.8	42.4
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	19.0	17.2	21.2	19.7	18.6
Tier 1 Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	13.6
Net Interest Margin	%													5.56	6.02	6.45	7.02	7.00
Interest Spread	%	...												4.51	4.96	5.27	5.81	5.80
Asset Yield	%													14.5	14.9	15.1	14.9	14.6
Cost Of Liabilities	%	...												9.94	9.96	9.80	9.12	8.82
Interest Income (As % Of Revenues)	%													76.0	79.3	83.3	83.8	83.1
Fee Income (As % Of Revenues)	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
Other Income (As % Of Revenues)	%													24.0	20.7	16.7	16.2	16.9
Equity (As % Of Assets)	%													10.7	10.6	13.3	13.2	14.1
Loans (As % Of Deposits)	%	...	...			...			...	...	...	...	...	...	...	...	...	...	...	...
Loans (As % Assets)	%													95.6	94.6	96.9	96.2	95.6
Cost of Provisions (As % Of Loans)	%	...												0.811	1.50	1.49	1.71	1.13

other data	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...	...	...	...	...								2,044	2,550	2,674	4,000	6,776

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Cholamandalam Investment and Finance in Numbers
Annual (2000 - 2018)

Oct 2019

Statistical Dossier

$19.99

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Cholamandalam's net interest margin fell 15.0% to 5.86% in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance's net interest margin amounted to 5.86% in 2018, down from 6.90% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 10.1% in 2007 and an all time low of -4.44% in 2002...

Cholamandalam's price/earnings (P/E) fell 23.2% to 19.0 in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance stock traded at INR 290 per share at the end 2018 implying a market capitalization of USD 3,260 mil. Since the end of 2013, the stock has appreciated by 404 % implying an annual average growth of 38.2 %. In absolute terms, the valu...

Cholamandalam's net interest margin fell 15.0% to 5.86% in 2018

By Helgi Library - October 15, 2019

Cholamandalam's total revenues rose 21.3% to INR 29,026 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance generated total banking revenues of INR 29,026 mil in 2017, up 17.7% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared...

Cholamandalam's customer loans rose 24.5% to INR 422,440 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance's customer loans reached INR 422,440 mil in 2017, up 44.4% compared to the previous year. Indian banking sector provided customer loans of INR 88,362 bil in 2017, up 7.04% when compared to the last year. Cholamandalam ...

Cholamandalam's total revenues rose 21.3% to INR 29,026 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam's customer loans rose 24.5% to INR 422,440 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam's customer deposits remain unchanged at INR 0 mil in 2018

By Helgi Library - October 15, 2019

Cholamandalam Investment and Finance's customer deposits reached INR 0 mil in 2017, down 0% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. Cholamandalam ...

Cholamandalam's customer deposits remain unchanged at INR 0 mil in 2018

By Helgi Library - October 15, 2019

More News

Finance

Cholamandalam Investment and Finance has been growing its revenues and asset by 17.6% and 27.3% a year on average in the last 3 years. Its loans and deposits have grown by 25.2% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 19.6% in the last three years with net profit growing 27.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 48.0% in 2018, compared to 47.4% average in the last three years.

Equity represented 10.8% of total assets or 11.8% of loans at the end of 2018. Cholamandalam Investment and Finance's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.

Valuation

Cholamandalam Investment and Finance stock traded at INR 290 per share at the end of 2018 resulting in a market capitalization of USD 3,260 mil. Over the previous five years, stock price rose by 404% or 38.2% a year on average. That’s compared to an average ROE of 18.3% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 19.0x and price to book value (PBV) of 3.66x in 2018.

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