Cholamandalam Investment & Finance Company's Q3 FY 2025-26 Quarterly Results
- 31 Jan 2026
Result Summary
- Cholamandalam Investment & Finance Company 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 17.1%.
- Its expenses for the quarter were up by 4.1% QoQ and 13.9% YoY.
- The net profit increased 11.2% QoQ and increased 18.5% YoY.
- The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 15.25 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 8008.68 | 7613.42 | 6836.76 | 5.2% | 17.1% |
Total Expenses | 5363.07 | 5151.54 | 4708.19 | 4.1% | 13.9% |
Profit Before Tax | 1735.14 | 1564.65 | 1464.58 | 10.9% | 18.5% |
Tax | 445.77 | 406.30 | 377.44 | 9.7% | 18.1% |
Profit After Tax | 1289.97 | 1159.61 | 1088.21 | 11.2% | 18.5% |
Earnings Per Share | 15.25 | 13.75 | 12.91 | 10.9% | 18.1% |
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 financial services sector in India. The company primarily focuses on providing vehicle finance, home loans, SME loans, and a variety of other financial services. As a part of the larger Murugappa Group, it leverages its strong brand reputation and extensive network to cater to the financial needs of diverse customer segments across the country. Recent developments have seen the company expanding its reach and product offerings to address the evolving needs of the market, although specific details on recent major developments are not available from the data provided.
Revenue
For the third quarter of the fiscal year 2026 (Q3FY26), Cholamandalam Investment & Finance Company Ltd reported a total income of ₹8,008.68 crores. This represents a sequential growth of 5.2% from the previous quarter (Q2FY26), where the total income was ₹7,613.42 crores. On a year-over-year basis, the company experienced a substantial increase of 17.1% compared to the same quarter in the previous year (Q3FY25), which recorded a total income of ₹6,836.76 crores. The consistent growth in revenue indicates the company's ability to enhance its income streams effectively over both short-term and annual periods.
Profitability
The company's profit before tax in Q3FY26 stood at ₹1,735.14 crores, marking a significant increase of 10.9% quarter-over-quarter from ₹1,564.65 crores in Q2FY26. Year-over-year growth in profit before tax was also robust at 18.5%, rising from ₹1,464.58 crores in Q3FY25. After accounting for taxes, the profit after tax for Q3FY26 was ₹1,289.97 crores, up 11.2% from ₹1,159.61 crores in the preceding quarter, and up 18.5% from ₹1,088.21 crores in Q3FY25. The earnings per share (EPS) for Q3FY26 was ₹15.25, which increased 10.9% from Q2FY26 and 18.1% from Q3FY25. This performance highlights the company's solid profitability metrics over the analyzed periods.
Operating Metrics
The total expenses for Q3FY26 were reported at ₹5,363.07 crores, which is an increase of 4.1% from Q2FY26's expenses of ₹5,151.54 crores, and a year-over-year increase of 13.9% compared to ₹4,708.19 crores in Q3FY25. The tax provision for the current quarter was ₹445.77 crores, representing a quarter-over-quarter increase of 9.7% from ₹406.30 crores in Q2FY26 and an 18.1% increase from ₹377.44 crores in Q3FY25. These operational metrics reflect the company's expenditure and tax obligations, contributing to the overall financial picture for the quarter. The data indicates a consistent growth trajectory in terms of operational costs, aligning with the company's expansion and revenue growth.