ALFA Finder| Revenue growth | GWP grew 6.7% YoY; Fire segment saw 15.5% degrowth due to pricing. |
|---|---|
| Margins | Combined ratio deteriorated to 120.4% due to higher motor and fire losses. |
| Demand visibility | Strong industry health demand; motor remains stable but price-sensitive. |
| Management confidence | Cautiously optimistic; focused on corrective underwriting measures and portfolio cleanup. |
Growth
GWP grew 6.7% to ₹2,130 Crores; motor insurance remains the primary driver despite industry-wide claims inflation.
Outlook
Targeting motor OD loss ratios below 80% through better sourcing and mix management in coming quarters.
Risks
Elevated motor OD loss ratios at 85.6% and aggressive price competition in fire segment are primary triggers.
Last quarter's promises, checked
Partly delivered
- Guided motor OD pricing correction (7-8%) → delivered tepid 5.7% growth (= PARTIAL)
Missed
- Guided 15% plus ROE → delivered 10.4% (= MISS)
- Guided combined ratio improvement → delivered 120.4% (= MISS)
Earnings Call Transcript filed with NSE, NSE: CHOLAHLDNG. Summary written with AI assistance from the document.
Cholamandalam Financial Holdings Ltd: key numbers
- Share price
- ₹1,466.80
- Market cap
- ₹27,543 Cr
- Revenue (annual)
- ₹39,073 Cr
- Net profit (annual)
- ₹2,441 Cr
- P/E (TTM)
- 10.0×Sector 22.4×
- Promoter holding
- 46.39%-0.04% QoQ
- FII holding
- 12.57%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Cholamandalam Financial Holdings Ltd
All →Cholamandalam Financial Holdings Q2 FY27 Results: Net Profit ₹1,520 Cr, Up 25.2% YoY
Cholamandalam Financial Holdings Ltd reported revenue from operations of ₹11,264 Cr (+19.2% YoY) and net profit of ₹1,520 Cr (+25.2% YoY) for Q2 FY27.
- Key figure
- Net profit ₹1,520 Cr · +25.2% YoY
Cholamandalam Financial Holdings Capital Structure Change
Bandhan Mutual Fund lifted its Cholamandalam Financial Holdings stake to 5.0158% by buying 30,010 shares on 22 October 2026. No transaction price was disclosed.
Cholamandalam Financial Holdings Other Announcement
The company submitted the certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026.
Cholamandalam Financial Holdings Board Meeting Date
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Cholamandalam Financial Holdings Investor Presentation: Key Takeaways
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Cholamandalam Financial Holdings Annual General Meeting
Cholamandalam Financial Holdings held its 77th Annual General Meeting on August 14, 2026. Shareholders transacted business including financial statement adoption, dividend approval, and managerial appointment.