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Cholahldng (CHOLAHLDNG)

Financial Services · NSE · end-of-day 2026-10-19

₹1,362.80

Day change

+0.21%

1-year

-25.8%

From 52-week high

-32.4%

Weinstein stage

Stage 4

Minervini template

0/8

Cholahldng closed at ₹1,362.80 on 2026-10-19, down 26% over the past year, 32% below its 52-week high. It meets 0 of 8 conditions of Minervini's trend template; Weinstein's stage analysis reads stage 4 - declining; on earnings, it passes 2 of 5 SEPA checks. Over the year its annualised volatility was about 36%, with a largest fall of 33% from a peak.

About Cholahldng

Cholamandalam Financial Holdings Limited is a diversified financial holding company with interests in vehicle finance, insurance, asset management, and financial services. Through its group companies, it serves retail and commercial customers across multiple financial products. Cross-selling opportunities and a trusted brand strengthen customer relationships. Expansion of financial services supports long-term value creation. India's growing credit and insurance markets remain key growth drivers.

Price, RSI and MACD

6M1Y2Y3Y

Price · -15.3% over the period

RSI (14) · 35.9

MACD (12, 26, 9) · histogram +0.45

Price · -25.8% over the period

RSI (14) · 35.9

MACD (12, 26, 9) · histogram +0.45

Price · -31.9% over the period

RSI (14) · 35.9

MACD (12, 26, 9) · histogram +0.45

Price · +17.9% over the period

RSI (14) · 35.9

MACD (12, 26, 9) · histogram +0.45

Price: daily close adjusted for splits and bonuses, dashed line the 150-day moving average. MACD: green line, orange dashed signal, bars the histogram. Longer periods are drawn from every second or third session.

Fundamentals

Market cap	Sales (TTM)	Net profit (TTM)	P/E	EPS (TTM)	P/B	ROE	ROE previous year	ROA	Debt / equity	Beta
₹25,593 cr	₹40,993 cr	₹6,015 cr	9.6	142.11	1.66	17.5%	19.1%	0.99%	13.61	1.31

Quarterly results

Quarter	Sales ₹ cr	Net profit ₹ cr	EPS	EPS YoY	Sales YoY	Net margin
Jun 2026	11,114	1,789	42.92	+39.3%	+19.6%	16.1%
Mar 2026	10,444	1,626	36.59	+12.0%	+17.2%	15.6%
Dec 2025	9,949	1,386	33.32	+28.7%	+17.2%	13.9%
Sep 2025	9,487	1,214	29.28	+4.6%	+17.3%	12.8%
Jun 2025	9,296	1,260	30.81	+5.5%	+21.8%	13.6%
Mar 2025	8,913	1,362	32.68	+19.6%	+25.8%	15.3%
Dec 2024	8,489	1,093	25.89	+4.1%	+24.9%	12.9%
Sep 2024	8,090	1,125	27.99	+24.9%	+28.4%	13.9%

Consolidated · EPS restated onto today's share count after splits and bonuses · net profit as filed.

Minervini SEPA — earnings checks 2 of 5 pass

Check	Result
Latest quarter EPS up 25%+ on a year ago	✓ Pass
EPS growth accelerating over 3 quarters	✗ Fail
Sales up 25%+, or sales growth accelerating	✗ Fail
Annual EPS up 25%+ in each of the last 2 years	✗ Fail
Net margin above the same quarter last year	✓ Pass

Investor methods

Method	Checks	Score	Verdict
Minervini	✗ Close above the 150- and 200-day averages ✗ 150-day above 200-day ✗ 200-day rising for a month ✗ 50-day above the 150- and 200-day ✗ Close above the 50-day ✗ At least 25% above the 52-week low · low 1,350.90 ✗ Within 25% of the 52-week high · high 2,014.80 ✗ RS percentile 70 or more · RS 21 Trend template - the gate, measured: a modest 21-day edge.	0/8	0 of 8
Weinstein	Stan Weinstein's stage analysis on the 30-week moving average.		Stage 4 - declining
CAN SLIM	✓ C latest quarter EPS up 25%+ ✗ A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✗ N within 15% of the 52-week high · high 2,014.80 ✗ S more volume on up days than down days (50 sessions) · 0.63x ✗ L RS percentile 80 or more · RS 21 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist.	2/6	Weak
Darvas	✗ New 52-week high in the last 120 sessions Darvas needs a new 52-week high to start a box.	10/100	No box
Turtle	✗ Close above the prior 55-session high · 1,658.00 ✗ Close above the prior 20-session high · 1,541.00 ✗ Close below the prior 20-session low · 1,330.10 Donchian channel breakout - the Turtle traders' entry.		No signal
Greenblatt	The Magic Formula excludes banks and financial companies.		Not applicable
Graham	✓ Price at or below the Graham number · Graham number 1,620.19 ✓ P/E 15 or less · P/E 9.6 ✓ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 1.66 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests.	100/100	Undervalued
Piotroski	The F-score is built for non-financial companies.		Not applicable

Each method's own rules applied to this stock - information, not a buy or sell signal. All were tested on 2024-26 data; only the Minervini trend template showed a consistent edge.

Financial Services sector — top 10 by 1-year return

Stock	1M %	3M %	6M %	1Y %	3Y %	5Y %	P/E	P/B	ROE %	ROCE %	ROA %	D/E	EV/EBITDA	₹ Cr	Sales TTM ₹ Cr	Profit TTM ₹ Cr	EPS	Beta
CHOLAHLDNG this stock	-9.6	-12.3	-15.3	-27.0	+22.4	+91.4	9.6	1.66	17.5	—	0.99	13.61	—	25,593	40,993	6,015	142.1	1.31
VIJIFIN	+13.3	+98.0	+408.7	+470.1	+794.2	+672.3	47.2	7.23	8.8	—	5.75	0.07	—	392	8	6	0.4	0.17
ONELIFECAP	+47.0	+38.3	+225.8	+325.3	+195.9	+163.2	—	2.56	10.0	11.4	—	0.43	19.9	187	16	10	-0.6	0.12
TFCILTD	+11.9	+88.8	+114.3	+112.5	+644.4	+999.9	46.9	5.50	9.8	—	5.47	0.82	—	7,231	291	154	3.3	1.00
PAISALO	-11.1	+11.4	+83.2	+104.3	+104.2	+43.8	24.2	4.04	14.3	—	4.11	2.43	—	7,235	1,204	298	3.3	0.83
BLUSPRING	+30.9	+47.2	+149.4	+102.1	—	—	—	3.61	-2.3	1.1	—	0.12	44.3	2,413	3,534	-18	-0.7	0.77
ARFIN	+12.3	+17.0	+4.3	+99.2	—	—	92.3	9.97	11.0	—	—	0.76	39.5	1,698	722	18	1.1	0.83
KTKBANK	+5.0	+19.8	+34.2	+91.7	+38.5	+360.1	8.7	0.94	10.4	—	1.05	—	—	12,468	9,039	1,437	38.0	1.03
SGFIN	+4.0	-2.3	+32.2	+77.3	—	—	27.4	2.71	11.0	—	—	—	9.8	4,326	—	—	24.6	0.88
SHRIPISTON	+1.0	+9.2	+27.4	+72.5	+298.8	+898.8	36.1	7.01	20.9	20.7	—	0.64	23.0	20,332	4,970	575	127.9	1.26
SOUTHBANK	+17.8	+17.5	+38.1	+66.2	+107.1	+411.9	9.0	1.18	13.5	—	1.09	—	—	14,213	10,500	1,586	6.1	1.26

A blank in a return column means the stock is younger than that window. P/B and ROE come from each company's own filings where held.

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Prices as of 2026-10-19, end of day, from NSE. Fundamentals from each company's own exchange filings (XBRL), EPS restated for splits and bonuses. Figures may be delayed and are for information only.

For research & education only — not investment advice. The methods, checks and verdicts are automated rules applied to public data, not buy/sell recommendations. StockLearn is an independent product of ClusterMicro Technologies, not affiliated with or endorsed by the NSE or any exchange. ClusterMicro Technologies is not a SEBI-registered investment adviser. Consult a SEBI-registered adviser before investing.

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