| Revenue growth | 20% YoY consolidated growth. |
|---|---|
| Margins | Net Income Margin improved to 8.2% from 7.8% YoY. |
| Demand visibility | Strong; highest ever Q1 sales in multiple vehicle segments. |
| Management confidence | High; citing healthy freight activity and rural demand. |
Growth
Consolidated revenue rose 20% YoY to ₹11,214 Cr; Consolidated PAT increased 42% YoY to ₹1,789 Cr.
Outlook
Management targets continued portfolio expansion mirroring industry trends; Q1 disbursements grew 22% overall to ₹29,612 Cr.
Risks
Company notes sectoral reliance on infrastructure spending and potential impact of rainfall on tractor industry demand.
Last quarter's promises, checked
Delivered
- Guided 15% plus ROE → delivered 42% PAT growth (= BEAT)
- Guided focus on car segment growth → delivered 21% Vehicle Finance growth (= BEAT)
- Guided non-motor growth post-1/n base effect → delivered 20% revenue growth (= BEAT)
Partly delivered
- Guided improvement in motor OD loss ratios → delivered NIM 8.2% vs 7.8% (= PARTIAL)
Investor Presentation filed with NSE, NSE: CHOLAHLDNG. Summary written with AI assistance from the document.
Cholamandalam Financial Holdings Ltd: key numbers
- Share price
- ₹1,400.60
- Market cap
- ₹26,300 Cr
- Revenue (annual)
- ₹39,073 Cr
- Net profit (annual)
- ₹2,441 Cr
- P/E (TTM)
- 9.8×Sector 23.2×
- Promoter holding
- 46.43%+0.05% QoQ
- FII holding
- 13.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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