Cholamandalam Investment & Finance Company Ltd vs Tata Capital Ltd

A side-by-side comparison of Cholamandalam Investment & Finance Company Ltd (CHOLAFIN) and Tata Capital Ltd (TATACAP) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

On the numbers, Cholamandalam Investment & Finance Company Ltd leads CHOLAFIN vs TATACAP on 8 of 14 metrics. See the breakdown below — the right pick still depends on your goals (value vs growth, risk appetite).

  • Valuation22
  • Profitability31
  • Growth20
  • Size & financial health13
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

Even

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

30.34
P/E ratio
32.92
5.01
P/B ratio
3.30
0.11%
Dividend yield
0.15%
₹61.41
EPS
₹11.42

Profitability

CHOLAFIN takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

19.30%
Return on equity
12.30%
9.70%
Return on capital
8.58%
68.62%
EBITDA margin
73.04%
17.14%
Net margin
15.80%

Growth

CHOLAFIN takes 2/2

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

34.77%
Revenue CAGR (3Y)
33.27%
25.22%
Profit CAGR (3Y)
18.41%

Size & financial health

TATACAP takes 3/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹1.59L Cr
Market cap
₹1.60L Cr
₹31,539 Cr
Revenue
₹31,583 Cr
₹5,233 Cr
Net profit
₹4,891 Cr
7.13
Debt / equity
5.64
Cholamandalam Investment & Finance Company Ltd
  • + ["Company has delivered good profit growth of 28.0% CAGR over last 5 years", "Company's median sales growth is 21.4% of last 10 years"]
  • ["Stock is trading at 5.21 times its book value", "Company has low interest coverage ratio.", "Company might be capitalizing the interest cost"]
Tata Capital Ltd
  • ["Stock is trading at 3.48 times its book value", "Company has low interest coverage ratio.", "Company has a low return on equity of 13.2% over last 3 years.", "Company might be capitalizing the interest cost"]
Cholamandalam Investment & Finance Company Ltd full analysis Tata Capital Ltd full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.