Cholamandalam Financial Holdings Ltd's Q4FY25 Quarter Results
- 10 May 2025
Result Summary
- Cholamandalam Financial Holdings Ltd reported a 16.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 35.5%.
- Its expenses for the quarter were down by 16.2% QoQ and up 37.6% YoY.
- The net profit increased 4.7% QoQ and increased 27.0% YoY.
- The earnings per share (EPS) of Cholamandalam Financial Holdings Ltd stood at 27.3 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 7157.91 | 8592.98 | 5281.23 | -16.7% | 35.5% |
Total Expenses | 5414.99 | 6459.66 | 3933.98 | -16.2% | 37.6% |
Profit Before Tax | 1555.85 | 1469.34 | 1245.15 | 5.9% | 25.0% |
Tax | 430.17 | 378.41 | 345.73 | 13.7% | 24.4% |
Profit After Tax | 1143.75 | 1092.90 | 900.77 | 4.7% | 27.0% |
Earnings Per Share | 27.30 | 25.90 | 21.70 | 5.4% | 25.8% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Cholamandalam Financial Holdings Ltd, commonly known as Chola, is a part of the Murugappa Group, a leading business conglomerate. The company operates primarily in the financial services sector, offering a range of products and services including vehicle finance, home loans, SME loans, and a variety of investment advisory services. While specific recent developments are not provided in the data, Chola typically focuses on expanding its product offerings and enhancing customer service through digital transformation and other strategic initiatives. The company's commitment to innovation and growth positions it as a prominent player in the financial services industry.
Revenue
In the fourth quarter of FY25, Cholamandalam Financial Holdings Ltd reported a total income of ₹7157.91 crores. This represents a decrease of 16.7% from the previous quarter (Q3FY25), where the total income was ₹8592.98 crores. However, when compared year-over-year, there is a significant increase of 35.5% from Q4FY24, where the total income stood at ₹5281.23 crores. This change in revenue indicates notable fluctuations in the company's income, with a strong annual growth.
Profitability
During Q4FY25, the company recorded a Profit Before Tax of ₹1555.85 crores, which marks a 5.9% increase from the preceding quarter's figure of ₹1469.34 crores. On an annual basis, this represents a 25.0% increase from the ₹1245.15 crores reported in Q4FY24. The tax expense for Q4FY25 was ₹430.17 crores, up 13.7% from Q3FY25 and 24.4% from Q4FY24. Consequently, the Profit After Tax for Q4FY25 amounted to ₹1143.75 crores, showing a quarterly growth of 4.7% and a year-over-year rise of 27.0%. The Earnings Per Share for the quarter was ₹27.30, reflecting a 5.4% increase quarter-over-quarter and a 25.8% increase year-over-year.
Operating Metrics
Cholamandalam's total expenses for Q4FY25 were reported at ₹5414.99 crores, which is a 16.2% decrease from the previous quarter's expenses of ₹6459.66 crores. Year-over-year, expenses increased by 37.6% from ₹3933.98 crores in Q4FY24. The decrease in expenses from Q3FY25 to Q4FY25, coupled with the increase over the year, suggests significant operational changes or adaptations. While specific operational metrics such as debt-to-equity or current ratios are not provided, the available data highlights the company's spending patterns and margin improvements over the analyzed period.
