Cholamandalam Financial Holdings Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Consolidate Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Net Sales

9,948.79

9,461.41

9,296.32

8,913.37

8,489.09

8,090.16

7,632.71

Other Operating Income

0.00

Total Operating income

9,948.79

9,461.41

9,296.32

8,913.37

8,489.09

8,090.16

7,632.71

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

1,221.11

1,197.90

1,050.45

1,051.52

1,001.43

928.11

809.14

Power Cost

0.00

Manufacturing Expenses

1,321.49

1,332.81

1,293.85

1,173.39

1,116.24

1,034.85

973.05

Selling and Distribution Expenses

0.00

Other Expenses

1,944.45

1,828.41

1,797.62

1,484.49

1,653.90

1,573.74

1,470.71

Total Expenditure (Excl Depreciation)

4,487.05

4,359.12

4,141.92

3,709.40

3,771.57

3,536.70

3,252.90

Operating Profit (PBDIT) excl Other Income

5,461.74

5,102.29

5,154.40

5,203.97

4,717.52

4,553.46

4,379.81

Other Income

135.33

127.79

86.63

95.99

103.89

89.99

44.72

Operating Profit (PBDIT)

5,597.07

5,230.08

5,241.03

5,299.96

4,821.41

4,643.45

4,424.53

Interest

3,648.02

3,517.75

3,467.67

3,360.55

3,279.72

3,057.52

2,796.27

Exceptional Items

0.00

Gross Profit (PBDT)

1,949.05

1,712.33

1,773.36

1,939.41

1,541.69

1,585.93

1,628.26

Depreciation

87.18

82.55

78.60

79.27

72.35

74.36

69.75

Profit Before Tax

1,863.20

1,631.76

1,696.10

1,862.37

1,471.31

1,512.68

1,559.10

Tax

477.38

417.49

436.56

500.19

378.41

387.44

399.54

Provisions and contingencies

0.00

Profit After Tax

1,384.49

1,212.29

1,258.20

1,359.95

1,090.93

1,124.13

1,158.97

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,384.49

1,212.29

1,258.20

1,359.95

1,090.93

1,124.13

1,158.97

Share in Profit of Associates

1.33

1.98

1.34

2.23

1.97

1.11

0.59

Minority Interest

760.09

664.35

681.04

748.61

606.71

599.70

611.20

Other related items

0.00

Consolidated Net Profit

625.73

549.92

578.50

613.57

486.19

525.54

548.36

Equity Capital

18.78

Face Value

1.0

Reserves

0.00

Earnings per share (EPS)

33.32

29.28

30.8

32.67

25.89

27.98

29.2

Diluted Earnings per share

33.32

29.28

30.81

32.68

25.89

27.99

29.2

Operating Profit Margin (Excl OI)

54.9%

53.93%

55.45%

58.38%

55.57%

56.28%

57.38%

Gross Profit Margin

19.59%

18.1%

19.08%

21.76%

18.16%

19.6%

21.33%

PAT Margin

13.93%

12.83%

13.55%

15.28%

12.87%

13.91%

15.19%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Quarterly Analysis Highlights - QoQ

Net Sales

QoQ Growth in quarter ended Dec 2025 is 5.15% vs 1.78% in Sep 2025

Consolidate Net Profit

QoQ Growth in quarter ended Dec 2025 is 13.79% vs -4.94% in Sep 2025

Operating Profit (PBDIT) excl Other Income

QoQ Growth in quarter ended Dec 2025 is 7.04% vs -1.01% in Sep 2025

Interest

QoQ Growth in quarter ended Dec 2025 is 3.70% vs 1.44% in Sep 2025

Operating Profit Margin (Excl OI)

QoQ Growth in quarter ended Dec 2025 has improved from Sep 2025

Compare Quarterly Results Of Chola Financial With

Select Peers

Figures in Cr

Consolidate Quarterly Results

Change(INR)

Change(%)

Net Sales

9,948.79

57.92

9,890.87

17,076.78%

Other Operating Income

0.00

Total Operating income

9,948.79

57.92

9,890.87

17,076.78%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

1,221.11

4.50

1,216.61

27,035.78%

Power Cost

0.00

Manufacturing Expenses

1,321.49

0.00

1,321.49

Selling and Distribution Expenses

0.00

Other Expenses

1,944.45

5.75

1,938.70

33,716.52%

Total Expenditure (Excl Depreciation)

4,487.05

10.25

4,476.80

43,676.10%

Operating Profit (PBDIT) excl Other Income

5,461.74

47.67

5,414.07

11,357.39%

Other Income

135.33

2.88

132.45

4,598.96%

Operating Profit (PBDIT)

5,597.07

50.55

5,546.52

10,972.34%

Interest

3,648.02

0.05

3,647.97

7,295,940.00%

Exceptional Items

0.00

Gross Profit (PBDT)

1,949.05

50.50

1,898.55

3,759.50%

Depreciation

87.18

0.96

86.22

8,981.25%

Profit Before Tax

1,863.20

80.80

1,782.40

2,205.94%

Tax

477.38

5.41

471.97

8,724.03%

Provisions and contingencies

0.00

Profit After Tax

1,384.49

44.13

1,340.36

3,037.30%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,384.49

44.13

1,340.36

3,037.30%

Share in Profit of Associates

1.33

31.26

-29.93

-95.75%

Minority Interest

760.09

0.00

760.09

Other related items

0.00

Consolidated Net Profit

625.73

75.39

550.34

729.99%

Equity Capital

18.78

50.60

-31.82

-62.89%

Face Value

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

33.32

1.49

31.83

2,136.24%

Diluted Earnings per share

33.32

1.49

31.83

2,136.24%

Operating Profit Margin (Excl OI)

54.90%

82.30%

0.00

-27.40%

Gross Profit Margin

19.59%

87.19%

0.00

-67.60%

PAT Margin

13.93%

130.16%

0.00

-116.23%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Quarterly - Net Sales

Net Sales 9,948.79 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 5.15% vs 1.78% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 17.20% vs 24.94% in Dec 2024

Quarterly - Consolidate Net Profit

Consolidate Net Profit 625.73 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 13.79% vs -4.94% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 28.70% vs 4.08% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 5,461.74 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 7.04% vs -1.01% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 15.78% vs 23.62% in Dec 2024

Quarterly - Interest

Interest 3,648.02 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 3.70% vs 1.44% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 11.23% vs 34.12% in Dec 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) 54.90%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 has improved from Sep 2025

YoY Growth in quarter ended Dec 2025 has fallen from Dec 2024