Cholamandalam [CHOLAHLDNG] vs Poonawalla Fincorp [POONAWALLA] Detailed Stock Comparison

Cholamandalam Financial Holdings Limited

NSE
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Poonawalla Fincorp Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Cholamandalam Financial Holdings Limited wins in 13 metrics, Poonawalla Fincorp Ltd. wins in 6 metrics, with 0 ties. Cholamandalam Financial Holdings Limited appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Cholamandalam Financial Holdings Limited Poonawalla Fincorp Ltd. Better
P/E Ratio (TTM) 12.44 93.61 Cholamandalam Financial Holdings Limited
Price-to-Book Ratio 2.16 3.30 Cholamandalam Financial Holdings Limited
Debt-to-Equity Ratio 635.38 425.94 Poonawalla Fincorp Ltd.
PEG Ratio 0.43 -0.72 Cholamandalam Financial Holdings Limited
EV/EBITDA 34.05 54.50 Cholamandalam Financial Holdings Limited
Profit Margin (TTM) 11.62% 13.77% Poonawalla Fincorp Ltd.
Operating Margin (TTM) 34.54% 24.29% Cholamandalam Financial Holdings Limited
EBITDA Margin (TTM) 34.54% 24.29% Cholamandalam Financial Holdings Limited
Return on Equity 8.07% -1.20% Cholamandalam Financial Holdings Limited
Return on Assets (TTM) 0.97% -0.28% Cholamandalam Financial Holdings Limited
Free Cash Flow (TTM) $-345.43B $-106.13B Poonawalla Fincorp Ltd.
Dividend Yield 0.03% N/A N/A
1-Year Return -23.73% -5.93% Poonawalla Fincorp Ltd.
Price-to-Sales Ratio (TTM) 1.45 14.38 Cholamandalam Financial Holdings Limited
Enterprise Value $2,212.75B $762.81B Cholamandalam Financial Holdings Limited
EV/Revenue Ratio 10.86 30.08 Cholamandalam Financial Holdings Limited
Gross Profit Margin (TTM) 34.46% 42.34% Poonawalla Fincorp Ltd.
Revenue per Share (TTM) $1,086 $32 Cholamandalam Financial Holdings Limited
Earnings per Share (Diluted) $126.13 $4.45 Cholamandalam Financial Holdings Limited
Beta (Stock Volatility) 0.36 0.29 Poonawalla Fincorp Ltd.

Cholamandalam Financial Holdings Limited vs Poonawalla Fincorp Ltd. Stock Performance Analysis

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CHOLAHLDNG
POONAWALLA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Cholamandalam Financial Holdings Limited2.85%11.00%-5.45%-0.19%-17.46%-16.55%
Poonawalla Fincorp Ltd.1.94%4.84%-3.35%-5.64%-9.84%-17.32%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Cholamandalam Financial Holdings Limited-23.73%65.11%147.39%419.96%1,596.38%3,202.71%
Poonawalla Fincorp Ltd.-5.93%13.59%163.11%278.28%448.50%1,278.96%

Performance & Financial Health Analysis: Cholamandalam Financial Holdings Limited vs Poonawalla Fincorp Ltd.

MetricCHOLAHLDNGPOONAWALLA
Market Information
Market Cap i₹294.64B₹364.66B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i219,7493,334,385
90 Day Avg. Volume i422,1132,134,326
Last Close₹1,567.60₹399.50
52 Week Range₹1,305.00 - ₹2,231.60₹361.20 - ₹570.40
% from 52W High-29.75%-29.96%
All-Time High₹2,231.60 (Jul 02, 2025)₹570.40 (Oct 06, 2025)
% from All-Time High-29.75%-29.96%
Growth Metrics
Quarterly Revenue Growth0.19%0.42%
Quarterly Earnings Growth0.29%7.04%
Financial Health
Profit Margin (TTM) i0.12%0.14%
Operating Margin (TTM) i0.35%0.24%
Return on Equity (TTM) i0.08%-0.01%
Debt to Equity (MRQ) i635.38425.94
Cash & Liquidity
Book Value per Share (MRQ)₹727.96₹126.41
Cash per Share (MRQ)₹597.46₹5.49
Operating Cash Flow (TTM) i₹-271,459,200,000₹-220,099,706,880
Levered Free Cash Flow (TTM) i₹21.74B₹-983,400,000
Dividends
Last 12-Month Dividend Yield i0.03%N/A
Last 12-Month Dividend i₹0.55₹0.00

Valuation & Enterprise Metrics Analysis: Cholamandalam Financial Holdings Limited vs Poonawalla Fincorp Ltd.

MetricCHOLAHLDNG (Apr 26, 2026)POONAWALLA (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i12.4493.61
Forward P/E i10.2626.93
PEG Ratio i0.43-0.72
Price to Sales (TTM) i1.4514.38
Price to Book (MRQ) i2.163.30
Market Capitalization
Market Capitalization i₹294.64B₹364.66B
Enterprise Value i₹2.21T₹762.81B
Enterprise Value Metrics
Enterprise to Revenue i10.8630.08
Enterprise to EBITDA i34.0554.50
Risk & Other Metrics
Beta i0.360.29
Book Value per Share (MRQ) i₹727.96₹126.41

Financial Statements Comparison: Cholamandalam Financial Holdings Limited vs Poonawalla Fincorp Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCHOLAHLDNG (2025)POONAWALLA (2025)
Revenue/Sales i349.96B40.00B
Cost of Goods Sold i239.94B19.86B
COGS % of Revenue i68.6%49.6%
Gross Profit i110.02B20.14B
Gross Margin i31.4%50.4%
Research & Development iN/AN/A
Operating Income (EBIT) i58.51B12.25B
Operating Margin i16.7%30.6%
EBITDA i64.99B14.00B
EBITDA Margin i18.6%35.0%
Pre-Tax Income i64.00B-1.35B
Pre-Tax Income % of Revenue i18.3%-3.4%
Income Tax i16.66B-370.60M
Income Tax % of Revenue i4.8%-0.9%
Net Income (Profit) i47.40B-983.40M
Profit Margin i13.5%-2.5%

Balance Sheet & Liquidity Metrics

MetricCHOLAHLDNG (2025)POONAWALLA (2025)
Cash & Equivalents i53.86B246.50M
Total Current Assets i591.99B137.48B
Total Current Assets % of Revenue i169.2%343.7%
Total Current Liabilities i637.35B147.27B
Total Current Liabilities % of Revenue i182.1%368.1%
Long-Term Debt i1.17T120.85B
Long-Term Debt % of Revenue i334.8%302.1%
Total Shareholders Equity i269.49B81.75B
Retained Earnings i48.32B16.60B
Retained Earnings % of Revenue i13.8%41.5%
Property, Plant & Equipment i19.01B1.27B

Cash Flow Statement Comparison

MetricCHOLAHLDNG (2025)POONAWALLA (2025)
Operating Cash Flow i-271.46B-120.92B
Operating Cash Flow % of Revenue i-77.6%-302.3%
Capital Expenditures i-3.27B-128.80M
Free Cash Flow i-345.43B-106.13B
FCF Margin i-98.7%-265.3%
Debt Repayment i-1.21T-93.04B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricCHOLAHLDNGPOONAWALLA
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i187.78M875.42M
Float Shares i98.52M322.45M
% Held by Insiders i46.89%62.81%
% Held by Institutions i32.27%16.39%
% Held by Public i20.84%20.80%

Dividend Analysis & Yield Comparison: Cholamandalam Financial Holdings Limited vs Poonawalla Fincorp Ltd.

MetricCHOLAHLDNGPOONAWALLA
Last 12-Month Dividend i₹0.55₹0.00
Last 12-Month Dividend Yield i0.03%N/A
3-Year Avg Annual Dividend i₹0.55₹1.47
3-Year Avg Dividend Yield i0.06%0.37%
3-Year Total Dividends i₹1.65₹4.40
Ex-Dividend DateAug 02, 2024Jan 31, 2024