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NSE:CHOLAFIN'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 3.33 Med: 14.05 Max: 22.31
Current: 17.5
During the past years, Cholamandalam Investment and Finance Co's highest Cyclically Adjusted PS Ratio was 22.31. The lowest was 3.33. And the median was 14.05.
NSE:CHOLAFIN's Cyclically Adjusted PS Ratio is ranked worse than 89.62% of 424
companies
in the Credit Services industry
Industry Median: 3.13
vs NSE:CHOLAFIN: 17.50
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Cholamandalam Investment and Finance Co's adjusted revenue per share data for the three months ended in Jun. 2026 was ₹57.764. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is ₹106.65 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Cholamandalam Investment and Finance Co Cyclically Adjusted PS Ratio Related Terms
Cholamandalam Investment and Finance Co Cyclically Adjusted PS Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cholamandalam Investment and Finance Co Cyclically Adjusted PS Ratio Chart
Cholamandalam Investment and Finance Co Annual Data
NSE:CHOLAFIN vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison
For the Credit Services subindustry, Cholamandalam Investment and Finance Co's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cholamandalam Investment and Finance Co Cyclically Adjusted PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cholamandalam Investment and Finance Co's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Cholamandalam Investment and Finance Co's Cyclically Adjusted PS Ratio falls into.
Cholamandalam Investment and Finance Co Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 17.50 mean?
Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) has a Cyclically Adjusted PS Ratio of 17.50 as of Aug. 09, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Cholamandalam Investment and Finance Co and its competitors. This is 25% above median its historical median of 14.05. Over the past decade, Cholamandalam Investment and Finance Co's Cyclically Adjusted PS Ratio has ranged from 3.33 to 22.31. According to the industry distribution chart, Cholamandalam Investment and Finance Co ranks #380 out of 424 companies in the Credit Services industry, placing it in the top 89.6%.
Is Cholamandalam Investment and Finance Co's Cyclically Adjusted PS Ratio too high?
Cholamandalam Investment and Finance Co's current Cyclically Adjusted PS Ratio of 17.50 is 25% above median its 10-year median of 14.05. Over the past 10 years, this metric has ranged from a low of 3.33 to a high of 22.31. The Credit Services industry median Cyclically Adjusted PS Ratio is 3.13. Cholamandalam Investment and Finance Co's value of 17.50 is 459.1% above this industry median. Based on the distribution chart, Cholamandalam Investment and Finance Co ranks #380 out of 424 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Cholamandalam Investment and Finance Co has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cholamandalam Investment and Finance Co's Cyclically Adjusted PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Cholamandalam Investment and Finance Co ranks #380 out of 424 companies for Cyclically Adjusted PS Ratio. This places Cholamandalam Investment and Finance Co in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.13. Cholamandalam Investment and Finance Co's value of 17.50 is 459.1% above this benchmark. Historically, Cholamandalam Investment and Finance Co's own Cyclically Adjusted PS Ratio has ranged from 3.33 to 22.31 over the past decade. While the company's 10-year median is 14.05 vs. the industry median of 3.13, Cholamandalam Investment and Finance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Credit Services company?
The median Cyclically Adjusted PS Ratio among Credit Services companies is 3.13, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cholamandalam Investment and Finance Co's current Cyclically Adjusted PS Ratio of 17.50 is 459.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Cholamandalam Investment and Finance Co and its competitors. For the Credit Services industry, the median Cyclically Adjusted PS Ratio is 3.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cholamandalam Investment and Finance Co's current Cyclically Adjusted PS Ratio is 17.50, which is 25% above median its own 10-year median of 14.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cholamandalam Investment and Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,157.62, compared to a current price of ₹1,866.20 — trading 13.5% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 17.50, which is 25% above median its 10-year median of 14.05 and 459.1% above the Credit Services industry median of 3.13. Cholamandalam Investment and Finance Co's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Cholamandalam Investment and Finance Co (NSE:CHOLAFIN), the current Cyclically Adjusted PS Ratio is 17.50 as of Aug. 09, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Cholamandalam Investment and Finance Co stock appears to be undervalued.
The current stock price of ₹1,866.20 is trading 13.5% below its estimated GF Value™ of ₹2,157.62.
GuruFocus considers Cholamandalam Investment and Finance Co to be Modestly Undervalued.
Key valuation signals for NSE:CHOLAFIN:
Cyclically Adjusted PS Ratio: 17.50 (25% above median its 10-year median of 14.05)
GF Value™: ₹2,157.62 vs. price of ₹1,866.20 (13.5% below fair value)
Industry Position: 459.1% above the Credit Services median (#380 of 424)
No single metric tells the full story. See the NSE:CHOLAFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cholamandalam Investment and Finance Co Ltd serves as the financial services arm of the Murugappa Group. Its subsidiaries include Cholamandalam Securities Limited (CSEC) and Cholamandalam Home Finance Limited (CHFL). The company's operating segments include; Vehicle finance loans its key revenue generating segment, which provides loans for the purchase of vehicles, tractors, and construction equipment; the Home Loans segment includes loans given for the acquisition of residential property; Loan against property includes loans to the customer against immovable property; and Other loans represents loans against shares and SME loans. The company operates solely in India.
76GF Score
Get the complete analysis for NSE:CHOLAFIN
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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