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Cholamandalam Financial Holdings Limited Q1 FY27 earnings call summary

NSE: CHOLAHLDNG · BSE: 504973

Earnings call of 14 Aug 2026, summarised by AI from the filing.

No provision taken for Supreme Court judgment; matter sub judice with review petition filed.

Key takeaways

  1. Change No provision taken for Supreme Court judgment; matter sub judice with review petition filed.
  2. Growth driver Motor portfolio grew 5.7%, driven by commercial vehicle segment.
  3. Risk Motor OD loss ratio elevated; management does not accept it as sustainable.

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.