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Cholamandalam Financial Holdings Limited Q4 FY26 results deck summary

NSE: CHOLAHLDNG · BSE: 504973

Results deck of 8 May 2026, summarised by AI from the filing.

Q4 FY26 consolidated revenue ₹10,520 cr (+17%) and PAT ₹1,626 cr (+19%); Chola MS FY26 PBT fell to ₹445 cr.

Key takeaways

  1. Q4 FY26 results Consolidated revenue ₹10,520 cr (Q4 FY25: ₹9,009 cr, +17%) and PAT ₹1,626 cr (Q4 FY25: ₹1,362 cr, +19%).
  2. Guidance HCV growth expected stable in FY'27; LCV moderate owing to high base; PV to moderate to single digit in FY'27.
  3. Change Chola MS FY26 PBT fell to ₹445 cr from ₹681 cr in FY25 on crop insurance loss and TP provisioning.
  4. Driver Vehicle Finance disbursements grew 26% in Q4 FY26 to ₹18,132 cr and 15% in FY26 to ₹62,123 cr.
  5. Risk Loan losses rose in Vehicle Finance, LAP and Home Loans in Q4 FY26 and FY26.

Original filing on BSE

Cholamandalam Financial Holdings Limited Q1 FY27 results

As filed: Revenue ₹11,114 cr (+20% year on year), EBITDA ₹6,392 cr (+24% year on year), PAT ₹1,789 cr (+42% year on year), EBITDA margin 57.5% (+206 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 ₹10,444 cr (+17% year on year), EBITDA ₹5,825 cr (+12% year on year), PAT ₹1,626 cr (+19% year on year), EBITDA margin 55.8% (−261 bps). Score 41 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was in line with it. EBITDA margin fell 261 bps year on year. Revenue rose ₹1,531 cr on a year ago, against ₹1,830 cr the year before. Share price after the results: −17.4% in 28 days (Nifty 500: −3.2%).
  • Q3 FY26: Revenue ₹9,949 cr (+17% year on year), EBITDA ₹5,462 cr (+16% year on year), PAT ₹1,386 cr (+27% year on year), EBITDA margin 54.9% (−67 bps). Score 45 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was in line with it. EBITDA margin fell 67 bps year on year. Revenue rose ₹1,460 cr on a year ago, against ₹1,694 cr the year before. Share price after the results: −4.9% in 30 days (Nifty 500: −5.9%).
  • Q2 FY26: Revenue ₹9,487 cr (+17% year on year), EBITDA ₹5,103 cr (+12% year on year), PAT ₹1,214 cr (+8% year on year), EBITDA margin 53.8% (−250 bps). Score 29 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 250 bps year on year. Profit fell 4% from last quarter. Revenue rose ₹1,397 cr on a year ago, against ₹1,790 cr the year before. Share price after the results: −2.8% in 28 days (Nifty 500: +1.4%).
  • Q1 FY26: Revenue ₹9,296 cr (+22% year on year), EBITDA ₹5,155 cr (+18% year on year), PAT ₹1,260 cr (+9% year on year), EBITDA margin 55.5% (−193 bps). Score 29 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 193 bps year on year. Profit fell 7% from last quarter. Revenue rose ₹1,663 cr on a year ago, against ₹2,007 cr the year before. Share price after the results: −4.8% in 28 days (Nifty 500: +0.6%).
  • Q4 FY25: Revenue ₹8,913 cr (+26% year on year), EBITDA ₹5,204 cr (+25% year on year), PAT ₹1,362 cr (+19% year on year), EBITDA margin 58.4% (−23 bps). Score 42 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 23 bps year on year. Revenue rose ₹1,830 cr on a year ago, against ₹1,897 cr the year before. Share price after the results: +6.1% in 28 days (Nifty 500: +6.1%).
  • Q3 FY25: Revenue ₹8,489 cr (+25% year on year), EBITDA ₹4,717 cr (+24% year on year), PAT ₹1,093 cr (+6% year on year), EBITDA margin 55.6% (−59 bps). Score 28 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 59 bps year on year. Revenue rose ₹1,694 cr on a year ago, against ₹2,070 cr the year before.
  • Q2 FY25: Revenue ₹8,090 cr (+28% year on year), EBITDA ₹4,554 cr (+34% year on year), PAT ₹1,125 cr (+27% year on year), EBITDA margin 56.3% (+226 bps). Score 79 of 100, Above trend. EBITDA margin rose 226 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 3% from last quarter.

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

Cholamandalam Financial Holdings Limited earnings call, investor presentation and press release summaries

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