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Cholamandalam Investment and Finance Company Limited Q4 FY26 earnings call summary

NSE: CHOLAFIN · BSE: 511243

Earnings call of 4 May 2026, summarised by AI from the filing.

Chola Q4 FY26 disbursements ₹32,913 cr up 25%, AUM ₹2,42,630 cr up 21%; FY27 guidance 20-23% AUM growth, credit cost 1.5%.

Key takeaways

  1. Overlay ₹200 cr management overlay taken as precautionary buffer for global uncertainties.
  2. Growth drivers All eight business engines contributing; mortgage businesses primary driver, supported by CSEL, consumer durables, gold loans.
  3. Risk Global uncertainties could raise credit costs; overlay taken as precaution.

Original filing on BSE

Cholamandalam Investment and Finance Company Limited Q1 FY27 results

As filed: Revenue ₹8,856 cr (+22% year on year), EBITDA ₹6,204 cr (+25% year on year), PAT ₹1,656 cr (+46% year on year), EBITDA margin 70.1% (+152 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹8,417 cr (+19% year on year), EBITDA ₹5,820 cr (+16% year on year), PAT ₹1,645 cr (+31% year on year), EBITDA margin 69.2% (−233 bps). Score 52 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was well above it. EBITDA margin fell 233 bps year on year. Revenue rose ₹1,371 cr on a year ago, against ₹1,618 cr the year before. Share price after the results: −1.0% in 29 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹7,898 cr (+17% year on year), EBITDA ₹5,344 cr (+14% year on year), PAT ₹1,290 cr (+19% year on year), EBITDA margin 67.7% (−207 bps). Score 37 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 207 bps year on year. Revenue rose ₹1,165 cr on a year ago, against ₹1,726 cr the year before. Share price after the results: +9.6% in 28 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹7,491 cr (+20% year on year), EBITDA ₹5,031 cr (+15% year on year), PAT ₹1,160 cr (+20% year on year), EBITDA margin 67.2% (−253 bps). Score 37 of 100, Below trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was below it. EBITDA margin fell 253 bps year on year. Revenue rose ₹1,236 cr on a year ago, against ₹1,632 cr the year before. Share price after the results: −0.9% in 29 days (Nifty 500: +0.7%).
  • Q1 FY26: Revenue ₹7,267 cr (+25% year on year), EBITDA ₹4,980 cr (+22% year on year), PAT ₹1,138 cr (+20% year on year), EBITDA margin 68.5% (−177 bps). Score 41 of 100, In line with trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 177 bps year on year. Profit fell 10% from last quarter. Revenue rose ₹1,455 cr on a year ago, against ₹1,730 cr the year before. Share price after the results: −3.9% in 29 days (Nifty 500: −2.5%).
  • Q4 FY25: Revenue ₹7,046 cr (+30% year on year), EBITDA ₹5,036 cr (+26% year on year), PAT ₹1,260 cr (+18% year on year), EBITDA margin 71.5% (−240 bps). Score 43 of 100, In line with trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 240 bps year on year. Revenue rose ₹1,618 cr on a year ago, against ₹1,687 cr the year before. Share price after the results: +5.2% in 28 days (Nifty 500: +2.7%).
  • Q3 FY25: Revenue ₹6,733 cr (+34% year on year), EBITDA ₹4,695 cr (+31% year on year), PAT ₹1,088 cr (+25% year on year), EBITDA margin 69.7% (−211 bps). Score 49 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was below it. EBITDA margin fell 211 bps year on year. Revenue rose ₹1,726 cr on a year ago, more than the ₹1,651 cr it added the year before.
  • Q2 FY25: Revenue ₹6,255 cr (+35% year on year), EBITDA ₹4,359 cr (+35% year on year), PAT ₹968 cr (+25% year on year), EBITDA margin 69.7% (−29 bps). Score 75 of 100, Above trend. EBITDA margin fell 29 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Cholamandalam Investment and Finance Company Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.