The historical rank and industry rank for Cholamandalam Financial Holdings's Net Margin % or its related term are showing as below:
BOM:504973'
s Net Margin % Range Over the Past 10 Years
Min: 4.09 Med: 6.37 Max: 20.05
Current: 5.97
BOM:504973's Net Margin % is ranked worse than 68.86% of 533
companies
in the Credit Services industry
Industry Median: 14.74
vs BOM:504973: 5.97
Cholamandalam Financial Holdings (BOM:504973) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Cholamandalam Financial Holdings Net Margin % Related Terms
Cholamandalam Financial Holdings Net Margin % 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 Financial Holdings Net Margin % Chart
For the Credit Services subindustry, Cholamandalam Financial Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Financial Holdings Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cholamandalam Financial Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Cholamandalam Financial Holdings's Net Margin % falls into.
* 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 Financial Holdings (BOM:504973) has a Net Margin % of 6.34% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Cholamandalam Financial Holdings and its competitors. This is near median its historical median of 6.37. Over the past decade, Cholamandalam Financial Holdings' Net Margin % has ranged from 4.09 to 20.05. According to the industry distribution chart, Cholamandalam Financial Holdings ranks #367 out of 533 companies in the Credit Services industry, placing it in the top 68.9%.
Is Cholamandalam Financial Holdings' Net Margin % too high?
Cholamandalam Financial Holdings' current Net Margin % of 6.34% is near median its 10-year median of 6.37. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 20.05. The Credit Services industry median Net Margin % is 14.74. Cholamandalam Financial Holdings' value of 6.34% is 57% below this industry median. Based on the distribution chart, Cholamandalam Financial Holdings ranks #367 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, Cholamandalam Financial Holdings has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cholamandalam Financial Holdings' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Cholamandalam Financial Holdings ranks #367 out of 533 companies for Net Margin %. This places Cholamandalam Financial Holdings in the lower half of its industry. The industry median Net Margin % is 14.74. Cholamandalam Financial Holdings' value of 6.34% is 57% below this benchmark. Historically, Cholamandalam Financial Holdings' own Net Margin % has ranged from 4.09 to 20.05 over the past decade. While the company's 10-year median is 6.37 vs. the industry median of 14.74, Cholamandalam Financial Holdings has consistently been below 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.74, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cholamandalam Financial Holdings's current Net Margin % of 6.34% is 57% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Cholamandalam Financial Holdings and its competitors. For the Credit Services industry, the median Net Margin % is 14.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cholamandalam Financial Holdings's current Net Margin % is 6.34%, which is near median its own 10-year median of 6.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cholamandalam Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Cholamandalam Financial Holdings (BOM:504973) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,087.11, compared to a current price of ₹1,661.90 — trading 20.4% below its estimated fair value. The current Net Margin % is 6.34%, which is near median its 10-year median of 6.37 and 57% below the Credit Services industry median of 14.74. Cholamandalam Financial Holdings' overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Cholamandalam Financial Holdings (BOM:504973), the current Net Margin % is 6.34% 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 Financial Holdings (BOM:504973) Overvalued in 2026?
Based on GuruFocus' analysis, Cholamandalam Financial Holdings stock appears to be undervalued.
The current stock price of ₹1,661.90 is trading 20.4% below its estimated GF Value™ of ₹2,087.11.
GuruFocus considers Cholamandalam Financial Holdings to be Modestly Undervalued.
Key valuation signals for BOM:504973:
Net Margin %: 6.34% (near median its 10-year median of 6.37)
GF Value™: ₹2,087.11 vs. price of ₹1,661.90 (20.4% below fair value)
Industry Position: 57% below the Credit Services median (#367 of 533)
No single metric tells the full story. See the BOM:504973 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cholamandalam Financial Holdings Business Description
Cholamandalam Financial Holdings Ltd along with its subsidiaries is a diversified investment company under the Murugappa Group. It offers financial services that include general insurance, residential mortgages, auto loans, risk services, and non-banking financial services. The company's activities are located exclusively in India. It has two primary product segments which include the Financial Services segment which derives key revenue and represents its lending business, and the Insurance and allied services segment.
75GF Score
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