Cholamandalam Investment and Finance Co (BOM:511243) Margin of Safety % (DCF FCF Based): N/A (As of Aug. 19, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:511243 Cholamandalam Investment and Finance Co Ltd BOM:511243
65 GF Score
Price ₹1,873.00
GF Value ₹2,154.96
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Cholamandalam Investment and Finance Co Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-19), Cholamandalam Investment and Finance Co's Predictability Rank is 4.5-Stars. Cholamandalam Investment and Finance Co's intrinsic value calculated from the Discounted FCF model is ₹1611.69 and current share price is ₹1873.00. Consequently,

Cholamandalam Investment and Finance Co's Margin of Safety % (DCF FCF Based) using Discounted FCF model is N/A.

BOM:511243 vs V, MA, AXP: Margin of Safety % (DCF FCF Based) Comparison

For the Credit Services subindustry, Cholamandalam Investment and Finance Co's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Cholamandalam Investment and Finance Co's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Cholamandalam Investment and Finance Co's Margin of Safety % (DCF FCF Based) falls into.


BOM:511243
65GF Score
Cholamandalam Investment and Finance Co Ltd BOM:511243
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Cholamandalam Investment and Finance Co Margin of Safety % (DCF FCF Based) Calculation

Cholamandalam Investment and Finance Co's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(-3323.25-1873.00)/-3323.25
=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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

Is Cholamandalam Investment and Finance Co (BOM:511243) Overvalued in 2026?

Based on GuruFocus' analysis, Cholamandalam Investment and Finance Co stock appears to be undervalued. The current stock price of ₹1,873.00 is trading 13.1% below its estimated GF Value™ of ₹2,154.96. GuruFocus considers Cholamandalam Investment and Finance Co to be Modestly Undervalued.

Key valuation signals for BOM:511243:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: ₹2,154.96 vs. price of ₹1,873.00 (13.1% below fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the BOM:511243 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 CHOLAFIN: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.
65GF Score

Get the complete analysis for BOM:511243

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,873.00
Price
₹2,154.96
GF Value