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Cholamandalam Investment and Finance Co has the GF Score of 77, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Cholamandalam Investment and Finance Co GF Score Related Terms
NSE:CHOLAFIN vs V, MA, AXP: GF Score Comparison
For the Credit Services subindustry, Cholamandalam Investment and Finance Co's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) has a GF Score of 77 as of Jul. 19, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Cholamandalam Investment and Finance Co and its competitors. This is near median its historical median of 77.00. Over the past decade, Cholamandalam Investment and Finance Co's GF Score has ranged from 49.00 to 94.00.
Is Cholamandalam Investment and Finance Co's GF Score too high?
Cholamandalam Investment and Finance Co's current GF Score of 77 is near median its 10-year median of 77.00. Over the past 10 years, this metric has ranged from a low of 49.00 to a high of 94.00. Overall, Cholamandalam Investment and Finance Co has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cholamandalam Investment and Finance Co's GF Score compare to V and MA?
Cholamandalam Investment and Finance Co's GF Score of 77 can be compared against companies in the Credit Services industry. Historically, Cholamandalam Investment and Finance Co's own GF Score has ranged from 49.00 to 94.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Cholamandalam Investment and Finance Co and its competitors. Cholamandalam Investment and Finance Co's current GF Score is 77, which is near median its own 10-year median of 77.00. 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 ₹2,145.29, compared to a current price of ₹1,804.90 — trading 15.9% below its estimated fair value. The current GF Score is 77, which is near median its 10-year median of 77.00. Cholamandalam Investment and Finance Co's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Cholamandalam Investment and Finance Co (NSE:CHOLAFIN), the current GF Score is 77 as of Jul. 19, 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 ₹1,804.90 is trading 15.9% below its estimated GF Value™ of ₹2,145.29.
GuruFocus considers Cholamandalam Investment and Finance Co to be Modestly Undervalued.
Key valuation signals for NSE:CHOLAFIN:
GF Score: 77 (near median its 10-year median of 77.00)
GF Value™: ₹2,145.29 vs. price of ₹1,804.90 (15.9% below fair value)
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
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.
77GF Score
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