CHOLAFINCholamandalam Investment and Finance Company Limited Forensic Risk Analysis

Non Banking Financial Company (NBFC)
Risk ClassStable
Market Cap₹1,15,460 Cr
Primary DriverGovernance
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
0 / 100
-5 QoQ
Improving
Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

0.0th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹1,482.8▼0.68%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

No active forensic penalties contributing.
Final Composite Risk0 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 8 → 0 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • Operating Leverage Stress
  • NIM Compression
What to Watch Next Quarter
  • Debt growth
  • Operating profit margins

Active Risk Objects (2)

CriticalHigh
Operating Leverage Stress
📊 Earnings QualityAnnualActive for 3 Years
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ2 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt levels are creeping up. Monitor for signs of excessive borrowing for non-core activities."

NIM Compression
📊 Earnings QualityQuarterlyActive for 1 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ1 FY2024
CHOLAFIN: NIM decline is accelerating (73 bps drop vs prev 1 bps). [Growth Adjusted: 29%]

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)2.554.59✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+66.0+55.5✅ RESILIENT
Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹1,482.8(-0.68%)
1M Divergence-4.4%
1 Week-5.39%
1 Month-5.13%
6 Months-11.45%
1 Year-6.1%
2 Year+19.79%
3 Year+43.3%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

CHOLAFIN • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.1%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score7.5%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing1%
CoinTree Momentum
Composite Z-Score-0.6172σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#2226 of 2716
Top 81.96% in momentum strength
Timeframe Sparklines
1W-5.4%
1M-5.1%
6M-11.4%
Weinstein Indicators
150 DMA₹1,638.74
200 DMA₹1,616.87
150 DMA Slope-0.4366%Declining
Relative Strength-5.96%Lagging
Relative Turnover (RTR)1.0441
ParticipationNeutral

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (10.5).
CHOLAFINCholamandalam Investment and Finance Company Limited
0 Risk
Sector %ile0th
Delta-5
Active Flags2
Accel+0
Governance

Stable

AFILAkme Fintrade (India) Limited
0 Risk
Sector %ile0th
Delta-5
Active Flags2
Accel+0
Governance

Stable

ARMANFINArman Financial Services Limited
11 Risk
Sector %ile51th
Delta+1
Active Flags9
Accel+1
Earnings Quality

Stable

AIILAuthum Investment & Infrastructure Limited
16 Risk
Sector %ile78th
Delta0
Active Flags6
Accel+0
Earnings Quality

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2025

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY202631,5395,233-30,021198,397
FY202526,1534,263-32,413175,036
FY202419,4203,420-35,683134,475
FY202313,1062,665-27,10597,358