Cholamandalam Investment & Finance Company's Q1 FY 2026-27 Quarterly Results

Result Summary

• Cholamandalam Investment & Finance Company Ltd reported a 4.6% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2026-27). On a year-on-year (YoY) basis, it witnessed a growth of 21.8%.
• Its expenses for the quarter were up by 4.3% QoQ and 17.7% YoY.
• The net profit increased 0.7% QoQ and increased 45.6% YoY.
• The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 19.4 during Q1 FY 2026-27.

Financial Statments for Q1 FY 2026-27

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, often referred to as Chola, operates within the financial services industry. It is a prominent player in the non-banking financial sector in India, providing a range of financial products and services. The company's primary offerings include vehicle finance, home loans, SME loans, and investment advisory services. As a subsidiary of the Murugappa Group, one of India's leading business conglomerates, Cholamandalam has established a significant presence across the country. The company is known for its strong focus on customer service and leveraging technology to enhance its financial solutions. Recent developments in the sector, particularly the increasing demand for vehicle finance and SME loans, play a crucial role in the firm's operations.

Revenue

In the first quarter of FY27, Cholamandalam Investment & Finance Company Ltd reported a total income of ₹8956.68 crores. This represents a quarter-over-quarter (QoQ) increase of 4.6% from the previous quarter (Q4FY26), where the total income stood at ₹8563.54 crores. Comparatively, on a year-over-year (YoY) basis, there was a significant increase of 21.8% from Q1FY26, when the company reported a total income of ₹7353.09 crores. These figures reflect the company's ability to generate higher revenue in the current fiscal year compared to the past year. The consistent revenue growth QoQ and YoY highlights the company's expanding financial activities and market penetration.

Profitability

During the first quarter of FY27, the profit before tax for Cholamandalam was ₹2222.07 crores, which is a 3.7% increase from the previous quarter's profit before tax of ₹2141.98 crores. On a YoY basis, the profit before tax saw a substantial rise of 45.1% from Q1FY26, where it was recorded at ₹1531.27 crores. The tax expense for Q1FY27 was ₹567.34 crores, reflecting a QoQ increase of 13.9% and a YoY increase of 43.9%. The profit after tax was ₹1656.22 crores, marking a slight QoQ growth of 0.7% from Q4FY26's ₹1645.20 crores and a notable YoY increase of 45.6% from ₹1137.83 crores in Q1FY26. Earnings per share for Q1FY27 were ₹19.40, showing a QoQ growth of 0.6% and a YoY rise of 43.7% from ₹13.50 in Q1FY26.

Operating Metrics

The total expenses for Cholamandalam in Q1FY27 were ₹5812.55 crores, reflecting a QoQ increase of 4.3% from ₹5575.25 crores in Q4FY26. Year-over-year, total expenses grew by 17.7% compared to ₹4939.49 crores in Q1FY26. Despite the rise in expenses, the company maintained profitability, as evidenced by the increase in profit before tax and net profit margins. The company's efficient cost management and ability to scale operations are reflected in these metrics. The earnings per share also indicate the company's ability to deliver returns to its shareholders, showcasing growth over the quarters.