Cholamandalam Investment & Finance Company's Q2 FY 2025-26 Quarterly Results
- 06 Jan 2026
Result Summary
- Cholamandalam Investment & Finance Company Ltd reported a 3.5% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 20.4%.
- Its expenses for the quarter were up by 4.3% QoQ and 17.2% YoY.
- The net profit increased 1.9% QoQ and increased 19.8% YoY.
- The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 13.75 during Q2 FY 2025-26.
Financial Statments for Q2 FY 2025-26
Total Income | 7613.42 | 7353.09 | 6322.34 | 3.5% | 20.4% |
Total Expenses | 5151.54 | 4939.49 | 4394.60 | 4.3% | 17.2% |
Profit Before Tax | 1564.65 | 1531.27 | 1304.21 | 2.2% | 20.0% |
Tax | 406.30 | 394.17 | 337.08 | 3.1% | 20.5% |
Profit After Tax | 1159.61 | 1137.83 | 967.80 | 1.9% | 19.8% |
Earnings Per Share | 13.75 | 13.50 | 11.49 | 1.9% | 19.7% |
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 financial services sector, primarily engaged in providing a wide range of financial products and services. The company operates in the non-banking finance segment and is known for its offerings in vehicle finance, home loans, small and medium enterprises (SME) loans, and a host of other financial services. As a part of the Murugappa Group, Cholamandalam has established a strong presence in the Indian market. While specific recent developments are not provided, the company continues to focus on expanding its reach and enhancing its service offerings to cater to the diverse financial needs of its customers.
Revenue
For the second quarter of the fiscal year 2026 (Q2FY26), Cholamandalam Investment & Finance Company Ltd reported a total income of ₹7613.42 crores. This represents a quarter-over-quarter (QoQ) increase of 3.5% from ₹7353.09 crores in Q1FY26 and a year-over-year (YoY) growth of 20.4% from ₹6322.34 crores in Q2FY25. The consistent growth in revenue over both the quarterly and annual periods suggests that the company has maintained a strong revenue stream, potentially driven by its diverse financial product offerings and a robust customer base. The increase in total income highlights the company's ability to generate higher revenue despite potential market fluctuations.
Profitability
In terms of profitability, Cholamandalam reported a profit before tax (PBT) of ₹1564.65 crores for Q2FY26, marking a QoQ increase of 2.2% from ₹1531.27 crores in Q1FY26 and a YoY rise of 20.0% from ₹1304.21 crores in Q2FY25. The profit after tax (PAT) for the same period was ₹1159.61 crores, reflecting a QoQ growth of 1.9% from ₹1137.83 crores in Q1FY26 and a YoY increase of 19.8% from ₹967.80 crores in Q2FY25. The earnings per share (EPS) for Q2FY26 stood at ₹13.75, up from ₹13.50 in Q1FY26 and ₹11.49 in Q2FY25, corresponding to a QoQ growth of 1.9% and a YoY growth of 19.7%. These figures indicate that the company has effectively managed its expenses to enhance profitability and deliver value to its shareholders.
Operating Metrics
Cholamandalam experienced an increase in total expenses, which were reported at ₹5151.54 crores for Q2FY26, up by 4.3% QoQ from ₹4939.49 crores in Q1FY26 and 17.2% YoY from ₹4394.60 crores in Q2FY25. The rise in expenses aligns with the growth in total income, suggesting that the company is investing in its operations to support revenue growth. The tax expense for Q2FY26 was ₹406.30 crores, an increase of 3.1% QoQ from ₹394.17 crores in Q1FY26 and 20.5% YoY from ₹337.08 crores in Q2FY25. The upward trend in tax expenses is proportional to the increase in profitability, reflecting the company's improved financial performance. The financial data indicates that despite rising expenses, the company has managed to sustain its operational efficiency and profitability.