NSE:CHOLAFIN'
s Net Margin % Range Over the Past 10 Years
Min: 25.49 Med: 31.32 Max: 37.3
Current: 30.5
NSE:CHOLAFIN's Net Margin % is ranked better than 73.17% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs NSE:CHOLAFIN: 30.50
Cholamandalam Investment and Finance Co (NSE:CHOLAFIN) 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 Investment and Finance Co Net Margin % Related Terms
Cholamandalam Investment and Finance Co 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 Investment and Finance Co Net Margin % Chart
Cholamandalam Investment and Finance Co Annual Data
NSE:CHOLAFIN vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, Cholamandalam Investment and Finance Co'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 Investment and Finance Co Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Cholamandalam Investment and Finance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Cholamandalam Investment and Finance Co'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 Investment and Finance Co (NSE:CHOLAFIN) has a Net Margin % of 34.20% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Cholamandalam Investment and Finance Co and its competitors. This is near median its historical median of 31.32. Over the past decade, Cholamandalam Investment and Finance Co's Net Margin % has ranged from 25.49 to 37.30. According to the industry distribution chart, Cholamandalam Investment and Finance Co ranks #143 out of 533 companies in the Credit Services industry, placing it in the top 26.8%.
Is Cholamandalam Investment and Finance Co's Net Margin % too high?
Cholamandalam Investment and Finance Co's current Net Margin % of 34.20% is near median its 10-year median of 31.32. Over the past 10 years, this metric has ranged from a low of 25.49 to a high of 37.30. The Credit Services industry median Net Margin % is 14.54. Cholamandalam Investment and Finance Co's value of 34.20% is 135.2% above this industry median. Based on the distribution chart, Cholamandalam Investment and Finance Co ranks #143 out of 533 companies in the Credit Services industry, which is above the industry midpoint. Overall, Cholamandalam Investment and Finance Co has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Cholamandalam Investment and Finance Co's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Cholamandalam Investment and Finance Co ranks #143 out of 533 companies for Net Margin %. This puts Cholamandalam Investment and Finance Co in the upper half of its industry. The industry median Net Margin % is 14.54. Cholamandalam Investment and Finance Co's value of 34.20% is 135.2% above this benchmark. Historically, Cholamandalam Investment and Finance Co's own Net Margin % has ranged from 25.49 to 37.30 over the past decade. While the company's 10-year median is 31.32 vs. the industry median of 14.54, Cholamandalam Investment and Finance Co has consistently been above 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 14.54, 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 Investment and Finance Co's current Net Margin % of 34.20% is 135.2% above 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 Investment and Finance Co and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cholamandalam Investment and Finance Co's current Net Margin % is 34.20%, which is near median its own 10-year median of 31.32. 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 ₹2,111.55, compared to a current price of ₹1,799.20 — trading 14.8% below its estimated fair value. The current Net Margin % is 34.20%, which is near median its 10-year median of 31.32 and 135.2% above the Credit Services industry median of 14.54. Cholamandalam Investment and Finance Co's overall GF Score™ is 76/100 with 7 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 Investment and Finance Co (NSE:CHOLAFIN), the current Net Margin % is 34.20% 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 ₹1,799.20 is trading 14.8% below its estimated GF Value™ of ₹2,111.55.
GuruFocus considers Cholamandalam Investment and Finance Co to be Modestly Undervalued.
Key valuation signals for NSE:CHOLAFIN:
Net Margin %: 34.20% (near median its 10-year median of 31.32)
GF Value™: ₹2,111.55 vs. price of ₹1,799.20 (14.8% below fair value)
Industry Position: 135.2% above the Credit Services median (#143 of 533)
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.
76GF Score
Get the complete analysis for NSE:CHOLAFIN
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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