Cholamandalam Investment & Finance Company's Q1 FY 2025-26 Quarterly Results

Result Summary

• Cholamandalam Investment & Finance Company Ltd reported a 33.7% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 25.5%.
• Its expenses for the quarter were up by 27.2% QoQ and 23.5% YoY.
• The net profit increased 6.8% QoQ and increased 20.1% YoY.
• The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 13.5 during Q1 FY 2025-26.

Financial Statments for Q1 FY 2025-26

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 Investment & Finance Company Ltd is a part of the Murugappa Group, which is a well-diversified conglomerate in India. The company primarily operates in the financial services industry, offering a range of products including vehicle finance, home loans, small and medium enterprise loans, and a variety of other financial services. As a non-banking financial company (NBFC), Cholamandalam has established a significant presence in the Indian financial sector. The company is known for its strong focus on customer satisfaction and has a wide distribution network across the country to reach its diverse client base. Recent major developments are not available in the provided data set.

Revenue

In the first quarter of the fiscal year 2026 (Q1FY26), Cholamandalam Investment & Finance Company Ltd reported a total income of ₹7353.09 crores. This marks a significant quarter-over-quarter (QoQ) increase of 33.7% compared to the previous quarter (Q4FY25), where the total income was ₹5499.16 crores. On a year-over-year (YoY) basis, the total income grew by 25.5% from ₹5856.75 crores in the first quarter of the previous fiscal year (Q1FY25). These figures demonstrate a strong revenue performance over both the quarterly and yearly periods.

Profitability

For the quarter ending Q1FY26, Cholamandalam recorded a profit before tax (PBT) of ₹1531.27 crores, which represents a 7.2% increase QoQ from ₹1427.96 crores in Q4FY25. Year-over-year, the PBT showed a growth of 20.1% from ₹1274.53 crores in Q1FY25. The company's tax expenses for Q1FY26 were ₹394.17 crores, increasing by 4.0% QoQ from ₹378.94 crores in Q4FY25 and by 20.2% YoY from ₹327.91 crores in Q1FY25. Subsequently, the profit after tax (PAT) for Q1FY26 stood at ₹1137.83 crores, reflecting a 6.8% increase QoQ from ₹1065.23 crores and a 20.1% increase YoY from ₹947.15 crores. Earnings per share (EPS) for the same quarter was ₹13.50, an increase of 6.3% QoQ from ₹12.70 and a 19.5% rise YoY from ₹11.30.

Operating Metrics

The total expenses for Cholamandalam in Q1FY26 amounted to ₹4939.49 crores, which is a 27.2% increase QoQ from ₹3884.67 crores in the preceding quarter and a 23.5% rise YoY from ₹4000.55 crores in Q1FY25. This increase in expenses is aligned with the growth in total income, indicating a scaling of operational activities. Significant trends observed include the consistent growth in income and profitability metrics over the quarterly and yearly periods. The financial data provided does not include specific operational or financial ratios such as P/E ratio, debt-to-equity ratio, or current ratio, thus preventing further detailed analysis in these areas.