Cholamandalam Investment & Finance Company Ltd's Q4FY25 Quarter Results
Cholamandalam Investment & Finance Company Ltd's revenue increased 43.4% YoY
- 26 Apr 2025
Result Summary
- Cholamandalam Investment & Finance Company Ltd reported a 19.6% 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 43.4%.
- Its expenses for the quarter were down by 17.5% QoQ and up 51.9% YoY.
- The net profit decreased 2.1% QoQ and increased 24.6% YoY.
- The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 12.7 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 5499.16 | 6836.76 | 3834.57 | -19.6% | 43.4% |
Total Expenses | 3884.67 | 4708.19 | 2558.06 | -17.5% | 51.9% |
Profit Before Tax | 1427.96 | 1464.58 | 1162.56 | -2.5% | 22.8% |
Tax | 378.94 | 377.44 | 307.37 | 0.4% | 23.3% |
Profit After Tax | 1065.23 | 1088.21 | 855.20 | -2.1% | 24.6% |
Earnings Per Share | 12.70 | 12.90 | 10.40 | -1.6% | 22.1% |
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 prominent player in the Indian financial services sector. As part of the Murugappa Group, the company primarily focuses on providing a range of financial products, including vehicle finance, home loans, and small and medium enterprise loans. The company is known for its robust distribution network and strong customer focus. Recent developments in the financial services industry, particularly the shift towards digitalization and increased regulatory scrutiny, have impacted the operational strategies of finance companies. However, specific recent developments pertaining to Cholamandalam Investment & Finance Company Ltd are not available within the provided data.
## Revenue
During the fourth quarter of FY25, Cholamandalam Investment & Finance Company Ltd reported a total income of ₹5499.16 crores. This represents a decline of 19.6% from the previous quarter, Q3FY25, where the total income stood at ₹6836.76 crores. However, when compared to the same period last year, Q4FY24, the total income increased by 43.4% from ₹3834.57 crores. These figures indicate significant year-over-year growth in total income, despite a quarter-over-quarter decline.
## Profitability
The company's profitability metrics show a profit before tax of ₹1427.96 crores in Q4FY25, which is a slight decrease of 2.5% from the ₹1464.58 crores reported in Q3FY25. Compared to the fourth quarter of the previous fiscal year, Q4FY24, there is a 22.8% increase from ₹1162.56 crores. The tax expenses for Q4FY25 were ₹378.94 crores, marking a nominal increase of 0.4% from Q3FY25 and a 23.3% increase year-over-year. Consequently, the profit after tax for Q4FY25 was ₹1065.23 crores, which represents a 2.1% decrease quarter-over-quarter but a 24.6% increase compared to the same quarter in the previous year. Earnings per share for the current quarter were ₹12.70, reflecting a 1.6% decrease from the prior quarter and a 22.1% increase from the previous year.
## Operating Metrics
The total expenses for Q4FY25 were recorded at ₹3884.67 crores, showing a decrease of 17.5% from Q3FY25, where expenses totaled ₹4708.19 crores. Year-over-year, there is a significant increase of 51.9% from Q4FY24, which reported expenses of ₹2558.06 crores. The company's expense management and operational efficiencies can be analyzed further with additional data on operational costs and other financial ratios such as the debt-to-equity ratio, which are not available in the provided data. The P/E ratio and current ratio calculations would require additional information such as market capitalization and current liabilities, which are not included in the financial data provided.
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