Cholamandalam Investment & Finance Company's Q4 FY 2025-26 Quarterly Results

Result Summary

• Cholamandalam Investment & Finance Company Ltd reported a 6.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 20.0%.
• Its expenses for the quarter were up by 4.0% QoQ and 15.8% YoY.
• The net profit increased 27.5% QoQ and increased 30.6% YoY.
• The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 19.28 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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. Primarily engaged in providing a range of financial products, the company focuses on vehicle finance, home loans, and small and medium enterprise (SME) lending. The company operates within the dynamic financial services industry, which caters to a diverse clientele across India. Recent developments and strategic initiatives by the firm are not available in the current data; thus, any significant changes or expansions in their operations remain unspecified.

Revenue

During the fourth quarter of fiscal year 2026, Cholamandalam Investment & Finance Company Ltd reported a total income of ₹8563.54 crores. This represents a 6.9% increase quarter-over-quarter from ₹8008.68 crores in Q3FY26. Notably, there was a substantial year-over-year growth of 20.0% compared to the total income of ₹7136.91 crores in Q4FY25. The consistent increase in total income over the periods analyzed reflects the company's ability to maintain and grow its revenue streams, although specific factors contributing to this growth are not detailed in the provided data.

Profitability

The company's profitability metrics for Q4FY26 highlight significant growth. Profit Before Tax (PBT) stood at ₹2141.98 crores, marking a 23.4% increase from the previous quarter's ₹1735.14 crores and a 26.1% rise compared to ₹1698.13 crores in Q4FY25. Profit After Tax (PAT) for the same period was ₹1645.20 crores, which was a 27.5% increase from ₹1289.97 crores in Q3FY26 and a 30.6% increment from ₹1259.54 crores in Q4FY25. The Earnings Per Share (EPS) also improved, reaching ₹19.28 in Q4FY26, up by 26.4% from the previous quarter and 29.0% year-over-year. These figures indicate robust profitability, with both PBT and PAT showing significant growth across both quarterly and yearly comparisons.

Operating Metrics

The total expenses for Q4FY26 were recorded at ₹5575.25 crores, which is a 4.0% increase from Q3FY26's ₹5363.07 crores and a 15.8% rise compared to ₹4813.66 crores in Q4FY25. The tax paid for Q4FY26 amounted to ₹497.92 crores, reflecting an 11.7% increase from ₹445.77 crores in the previous quarter and a 13.4% rise from ₹439.02 crores in Q4FY25. These increases in expenses and tax correlate with the overall growth in revenue, which is a typical scenario as companies expand their operations and income. The financial data presents a clear picture of operational growth, although specific operational strategies and efficiencies are not detailed within the data provided.