Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) Debt-to-Equity: (As of Jun. 2026)

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NSE:CHOLAFIN Cholamandalam Investment and Finance Co Ltd NSE:CHOLAFIN
78 GF Score
Price ₹1,800.00
GF Value ₹1,758.52
Valuation Fairly Valued
! 7 Warning Signs
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What is Cholamandalam Investment and Finance Co Debt-to-Equity?

Cholamandalam Investment and Finance Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹ Mil. Cholamandalam Investment and Finance Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹ Mil. Cholamandalam Investment and Finance Co's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹ Mil.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Cholamandalam Investment and Finance Co's Debt-to-Equity or its related term are showing as below:

NSE:CHOLAFIN' s Debt-to-Equity Range Over the Past 10 Years
Min: 5.74   Med: 6.88   Max: 8.26
Current: 6.95

During the past 13 years, the highest Debt-to-Equity Ratio of Cholamandalam Investment and Finance Co was 8.26. The lowest was 5.74. And the median was 6.88.

NSE:CHOLAFIN's Debt-to-Equity is ranked worse than
92.81% of 459 companies
in the Credit Services industry
Industry Median: 1.21 vs NSE:CHOLAFIN: 6.95

Cholamandalam Investment and Finance Co  (NSE:CHOLAFIN) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Cholamandalam Investment and Finance Co Debt-to-Equity Related Terms

Cholamandalam Investment and Finance Co Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Cholamandalam Investment and Finance Co's Debt-to-Equity can be seen below:

* 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 Debt-to-Equity Chart

Cholamandalam Investment and Finance Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.89 6.80 6.88 7.42 6.95

Cholamandalam Investment and Finance Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 7.23 - 6.95 -

NSE:CHOLAFIN vs V, MA, AXP: Debt-to-Equity Comparison

For the Credit Services subindustry, Cholamandalam Investment and Finance Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Cholamandalam Investment and Finance Co's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Cholamandalam Investment and Finance Co's Debt-to-Equity falls into.


NSE:CHOLAFIN
78GF Score
Cholamandalam Investment and Finance Co Ltd NSE:CHOLAFIN
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cholamandalam Investment and Finance Co Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Cholamandalam Investment and Finance Co's Debt to Equity Ratio for the fiscal year that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(776747.5 + 1340110) / 304584
=6.95

Cholamandalam Investment and Finance Co's Debt to Equity Ratio for the quarter that ended in Jun. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=( + ) /
=N/A

* 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.

Is Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Cholamandalam Investment and Finance Co stock appears to be overvalued. The current stock price of ₹1,800.00 is trading 2.4% above its estimated GF Value™ of ₹1,758.52. GuruFocus considers Cholamandalam Investment and Finance Co to be Fairly Valued.

Key valuation signals for NSE:CHOLAFIN:

  • Debt-to-Equity:
  • GF Value™: ₹1,758.52 vs. price of ₹1,800.00 (2.4% above fair value)
  • GF Score™: 78/100 with 7 warning signs

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 Business Description

Other Exchanges 511243:India
Address Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai, TN, IND, 600032
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.
78GF Score

Get the complete analysis for NSE:CHOLAFIN

Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,800.00
Price
₹1,758.52
GF Value