Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) LT-Debt-to-Total-Asset: 0.86 (As of Mar. 2026)

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NSE:CHOLAFIN Cholamandalam Investment and Finance Co Ltd NSE:CHOLAFIN
77 GF Score
Price ₹1,804.90
GF Value ₹2,144.06
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Cholamandalam Investment and Finance Co LT-Debt-to-Total-Asset?

Cholamandalam Investment and Finance Co NSE:CHOLAFIN +0.88% 77 LT-Debt-to-Total-Asset is 0.86 as of Mar. 2026. GuruFocus rates NSE:CHOLAFIN with a GF Score™ of 77/100 and a GF Value™ of ₹2,144.06 (Modestly Undervalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Cholamandalam Investment and Finance Co's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.86.

Cholamandalam Investment and Finance Co's long-term debt to total assets ratio declined from Mar. 2025 (0.87) to Mar. 2026 (0.86). It may suggest that Cholamandalam Investment and Finance Co is progressively becoming less dependent on debt to grow their business.

Cholamandalam Investment and Finance Co  (NSE:CHOLAFIN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Cholamandalam Investment and Finance Co LT-Debt-to-Total-Asset Related Terms

Cholamandalam Investment and Finance Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Cholamandalam Investment and Finance Co's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Cholamandalam Investment and Finance Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.84 0.86 0.86 0.87 0.86

Cholamandalam Investment and Finance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.87 0.00 0.87 0.00 0.86
NSE:CHOLAFIN
77GF Score
Cholamandalam Investment and Finance Co Ltd NSE:CHOLAFIN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Cholamandalam Investment and Finance Co LT-Debt-to-Total-Asset Calculation

Cholamandalam Investment and Finance Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=2116857.5/2454482.3
=0.86

Cholamandalam Investment and Finance Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=2116857.5/2454482.3
=0.86

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.86 mean?
Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) has a LT-Debt-to-Total-Asset of 0.86 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Cholamandalam Investment and Finance Co and its competitors.
Is Cholamandalam Investment and Finance Co's LT-Debt-to-Total-Asset too high?
Cholamandalam Investment and Finance Co's current LT-Debt-to-Total-Asset is 0.86. 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 LT-Debt-to-Total-Asset compare to V and MA?
Cholamandalam Investment and Finance Co's LT-Debt-to-Total-Asset of 0.86 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Cholamandalam Investment and Finance Co and its competitors. Cholamandalam Investment and Finance Co's current LT-Debt-to-Total-Asset is 0.86. 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 ₹2,144.06, compared to a current price of ₹1,804.90 — trading 15.8% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.86. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Cholamandalam Investment and Finance Co (NSE:CHOLAFIN), the current LT-Debt-to-Total-Asset is 0.86 as of Mar. 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 15.8% below its estimated GF Value™ of ₹2,144.06. GuruFocus considers Cholamandalam Investment and Finance Co to be Modestly Undervalued.

Key valuation signals for NSE:CHOLAFIN:

  • LT-Debt-to-Total-Asset: 0.86
  • GF Value™: ₹2,144.06 vs. price of ₹1,804.90 (15.8% below fair value)
  • GF Score™: 77/100 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.
77GF Score

Get the complete analysis for NSE:CHOLAFIN

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

₹1,804.90
Price
₹2,144.06
GF Value