Cholamandalam Financial Holdings' Q3 FY 2025-26 Quarterly Results

Result Summary

• Cholamandalam Financial Holdings Ltd reported a 5.2% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 17.4%.
• Its expenses for the quarter were up by 3.5% QoQ and 13.2% YoY.
• The net profit increased 14.1% QoQ and increased 26.8% YoY.
• The earnings per share (EPS) of Cholamandalam Financial Holdings Ltd stood at 33.32 during Q3 FY 2025-26.

Financial Statments for Q3 FY 2025-26

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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 is a prominent player in the financial services industry in India. The company is known for offering a wide range of financial products, including vehicle finance, home loans, and SME loans. It operates predominantly in the Indian market and has established a strong presence in the financial sector. The company is part of the Murugappa Group, a diversified business conglomerate. As of the latest updates, there are no specific recent major developments provided.

Revenue

In the third quarter of fiscal year 2026, Cholamandalam Financial Holdings Ltd reported a total income of ₹10,084.12 crores. This represents a quarter-over-quarter increase of 5.2% compared to ₹9,589.20 crores in the previous quarter, Q2FY26. The year-over-year growth is even more substantial, with an increase of 17.4% compared to ₹8,592.98 crores in Q3FY25. This growth in total income highlights the company's ability to enhance its revenue generation over time.

Profitability

The company’s profitability has shown a positive trajectory in Q3FY26. The profit before tax (PBT) stood at ₹1,861.87 crores, reflecting a quarter-over-quarter increase of 14.2% from ₹1,629.78 crores in Q2FY26 and a year-over-year increase of 26.7% from ₹1,469.34 crores in Q3FY25. After accounting for taxes, the profit after tax (PAT) was ₹1,385.82 crores, which is a 14.1% increase from the previous quarter's ₹1,214.27 crores and a 26.8% increase from ₹1,092.90 crores in the same quarter last year. The earnings per share (EPS) also rose to ₹33.32, up from ₹29.28 in the previous quarter and ₹25.89 in the previous year, showing growth of 13.8% QoQ and 28.7% YoY.

Operating Metrics

The total expenses for Q3FY26 amounted to ₹7,311.78 crores, marking a 3.5% increase from ₹7,062.06 crores in Q2FY26 and a 13.2% increase from ₹6,459.66 crores in Q3FY25. The tax expense for the quarter was ₹477.38 crores, which increased by 14.3% from ₹417.49 crores in the previous quarter and by 26.2% from ₹378.41 crores in the previous year. These operating metrics reflect the company's ongoing operational activities and changes in its cost structure over the periods.