CHOLAHLDNG · Cholamandalam Financial Holdings Ltd · Consumer Financial Services
CHOLAHLDNG · Cholamandalam Financial Holdings Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
31.6% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹10,936 Cr
Revenue YoY
PAT YoY
+39.3%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
1.9
P/S (TTM)
0.7
Sector P/E
24.3
Dividend yield
+0.1%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| CHOLAHLDNG (this stock) | 11.7 | 1.9 | +6.5% | +17.3% | 13.61 | +0.1% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
falling 3q
MF
24.22% (+0.60pp)
rising 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedKey takeaway: Cholamandalam Financial Holdings Limited's earnings call for Q1 FY2027 highlighted performance in its insurance segment, with gross direct premium income (GDPI) of Rs. 1,860 crores, a 2.6% year-over-year growth, and gross written premium (GWP) of Rs. 2,130 crores, up 6.7%. Growth was below expectations due to lower volumes in commercial lines and motor business, as well as pricing pressures in fire and health portfolios. The motor segment grew by 5.7%, driven by commercial vehicles, while commercial lines declined 8.6% due to fire segment pricing pressures. Health remained the fastest-growing segment, contributing 47% of industry premiums, though the company prioritized profitability over volume. The combined ratio for the industry worsened to 117.8% in FY2026, with Chola MS at 115.2%. Management discussed corrective measures, including portfolio optimization, pricing interventions, and improved claims management, aiming to reduce the motor OD loss ratio from 86% to the high-70s over time. Investment income was Rs. 380 crores, with a solvency ratio of 1.93 times. Forward-looking initiatives included technology-driven efficiency improvements and preparation for regulatory changes like Ind AS and DPDP. The company emphasized disciplined underwriting and profitable growth despite challenging market conditions.
The summary presents factual results, management commentary, and strategic initiatives without overtly positive or negative language.
Sourced from an exchange-filed transcript, dated 20 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Cholamandalam Financial Holdings Limited's investor presentation dated August 14, 2026, provided an overview of the company's performance for Q1 FY27. The presentation highlighted a consolidated revenue of ₹11,214 crore and a profit after tax of ₹1,789 crore, reflecting a year-on-year growth of 20% and 42%, respectively. The company reported an increase in disbursements to ₹29,612 crore, up from ₹24,325 crore in Q1 FY26. The asset under management also grew by 19% year-on-year. The vehicle finance segment showed strong performance, with disbursements growing by 21%. The loan against property segment saw a 2% increase in disbursements, while home loans grew by 2% as well. The presentation emphasized the company's strategic focus on expanding its market presence and maintaining a robust risk management framework. The overall tone of the presentation was positive, reflecting strong financial performance and growth across various segments.
The presentation emphasized strong financial growth and strategic market expansion.
Sourced from an exchange-filed presentation, dated 14 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Cholamandalam Financial Holdings Limited held its Q4 FY26 earnings conference call on May 8, 2026, where management discussed the company's performance and future strategies. The company reported a Gross Direct Premium Income (GDPI) of INR 2,048 crores for Q4 and INR 7,762 crores for the fiscal year, impacted by a loss in crop insurance business. Management noted a cautious approach to growing the 2-wheeler segment due to stagnant motor third-party premiums. The claims ratio for the year was 81.3%, higher than the previous year, attributed to increased competitive intensity. The combined ratio was reported at 115.2%. Management highlighted plans to transition to Ind AS accounting by April 2027 and expressed confidence in improving the return on equity (ROE) to 15% in the medium to long term. The call concluded with management emphasizing their commitment to maintaining operational efficiency and addressing regulatory changes.
Management highlighted both challenges and strategies for improvement in various segments.
Sourced from an exchange-filed transcript, dated 15 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Cholamandalam Financial Holdings Limited (CFHL) provided an investor presentation detailing its financial performance for Q4 FY26 and the full fiscal year. The presentation highlighted a 17% increase in revenue to Rs. 10,520 crore and a 19% rise in profit after tax to Rs. 1,626 crore for Q4 FY26 compared to the previous year. Year-to-date figures showed an 18% revenue growth to Rs. 39,576 crore and a 16% increase in profit after tax to Rs. 5,485 crore. The company reported a 26% growth in disbursements for Q4 FY26, totaling Rs. 18,132 crore, and a 15% increase for the full year to Rs. 62,123 crore. The presentation also discussed sector performance, noting growth in various vehicle segments and the company's focus on maintaining portfolio quality and strong collections. Additionally, CFHL's shareholding pattern and market presence were outlined, emphasizing its diversified operations across financial services.
Management emphasized strong financial growth and operational performance.
Sourced from an exchange-filed presentation, dated 08 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Cholamandalam Financial Holdings Limited held its Q3 FY26 earnings conference call on February 9, 2026, where management provided an overview of the company's performance. The General Insurance segment reported a Gross Direct Premium Income (GDPI) of INR 2,067 crores for Q3 and INR 5,714 crores for the nine-month period. Management noted a significant impact from the loss of crop insurance business, which affected GDPI by INR 84 crores in the quarter and INR 467 crores cumulatively. The company reported a combined ratio of 116.2% for the nine months, influenced by higher motor third-party reserving. The profit before tax for the nine-month period was INR 346 crores, with a return on equity (ROE) of 7.9%. Management acknowledged challenges in the motor insurance sector but expressed confidence in future improvements as they adapt their strategies and await new crop business opportunities.
Management highlighted both challenges and potential improvements in future performance.
Sourced from an exchange-filed transcript, dated 13 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Cholamandalam Financial Holdings Limited (CFHL) presented its Q3 FY26 performance, highlighting a consolidated revenue of Rs. 10,084 crore, a 17% increase from Q3 FY25. Profit after tax rose by 27% to Rs. 1,386 crore, with earnings per share at Rs. 33.32. Year-to-date figures showed revenue of Rs. 29,056 crore and profit after tax of Rs. 3,860 crore, marking increases of 19% and 14%, respectively. The company reported a 17% year-on-year growth in assets under management. Disbursements in vehicle finance grew by 17% in Q3 FY26, while loan against property disbursements increased by 26%. The home loans segment saw a 10% rise in disbursements. The presentation also discussed sector outlooks, emphasizing growth in vehicle finance and loan against property, while noting challenges in asset quality and provisions. CFHL's shareholding pattern included significant institutional holdings, with promoters holding 46.38%.
The presentation highlighted both growth achievements and challenges in asset quality.
Sourced from an exchange-filed presentation, dated 09 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedCholamandalam Financial Holdings Limited (CFHL) reported a stable financial position in FY2025-26, with no significant audit issues or regulatory actions impacting its going-concern status. The company operates as a Core Investment Company (CIC) under RBI regulations, holding investments in financial services entities like Cholamandalam Investment and Finance Company Limited (CIFCL) and Cholamandalam MS General Insurance Company Limited (CMSGICL). The Board of Directors held five meetings during the year, and the Audit Committee met regularly with independent directors. The company emphasized digital innovation and risk management, with no material defaults or disputes noted. The standalone financial statements were audited without key audit matters, and the company maintains adequate internal controls. The outlook for FY2026-27 remains stable, supported by resilient domestic demand and ongoing structural reforms in India.
- CFHL operates as a Core Investment Company (CIC) under RBI regulations, with no material regulatory actions or defaults noted.
- The company's standalone financial statements were audited without key audit matters, and internal controls are deemed adequate.
- No significant disputes, defaults, or regulatory penalties were reported during FY2025-26.
- The Board held five meetings, and the Audit Committee met regularly with independent directors.
- The outlook for FY2026-27 remains stable, supported by resilient domestic demand and structural reforms in India.
Key takeaway: Cholamandalam Financial Holdings Limited maintains a stable financial position with no material audit issues or regulatory actions, supported by its investments in financial services and a focus on digital innovation and risk management.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Default / Covenant Breach (2 items)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceOlder (3+ years ago)
The predecessor auditors resigned after completing three continuous years as statutory auditors, and they were not aware of reasons why the current auditors should not accept the audit engagements.
Default / Covenant Breach
2 occurrencesRecent (last 12 months)
The company has undisputed statutory dues including provident fund, income-tax, goods and service tax, cess, and other material statutory dues that were outstanding as of March 31, 2026 for more than six months from the date they became payable.
Earlier (1-3 years ago)
The company has undisputed statutory dues pending for more than six months as of March 31, 2025.
Routine disclosures
Contingent Liability
5 occurrencesRecent (last 12 months)
The company has contested claims not provided for, including income tax matters and GST matters where the company has gone on appeal, as of March 31, 2026.
Earlier (1-3 years ago)
The company has contested claims not provided for as of March 31, 2025 and March 31, 2024 related to income tax matters where the company has gone on appeal.
The company has contingent liabilities related to contested claims not provided for, specifically income tax matters where the company has gone on appeal.
Older (3+ years ago)
The company has contested claims not provided for, specifically related to income tax matters where the company has gone on appeal, as of March 31, 2023.
The company has contingent liabilities related to contested tax issues as of March 31, 2022.
Related-Party Transaction
3 occurrencesRecent (last 12 months)
The company has transactions with related parties including dividend payments to Ambadi Investments Limited, Mitsui Sumitomo Insurance Company Limited, non-executive directors, promoters, and promoter group, as well as expenses reimbursement and services received from several entities.
Older (3+ years ago)
The company has investments in associates/joint ventures amounting to 1,275.15 crore as of March 31, 2023, and 1,275.15 crore as of March 31, 2022.
The company has granted a loan to White Data System India Private Limited, an associate, with an outstanding value less than ₹50,000 as of March 31, 2022.
Statutory dues in dispute
1 occurrenceOlder (3+ years ago)
The company has unpaid disputed amounts related to income tax for the years 2016-17 and 2017-18, with disputes pending before the Commissioner of Income Tax (Appeals).
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
0.86% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).