ALFA Finder| Revenue growth | GWP grew 6.7% YoY to ₹2,130 Cr. |
|---|---|
| Margins | Claims ratio increased to 85.6% vs 81.3% YoY; combined ratio 120.4%. |
| Demand visibility | Positive tailwinds in motor; health insurance remains fastest-growing industry segment. |
| Management confidence | Confident in improving loss ratios through corrective portfolio actions. |
Growth
GWP grew 6.7% YoY to ₹2,130 Cr; GDPI grew 2.6% to ₹1,860 Cr. Net earned premium was ₹1,671 Cr.
Outlook
Aiming to bring motor OD loss ratio below 80% through sourcing optimization and internal interventions. Targeting mid-70s eventually.
Risks
Combined ratio deteriorated to 120.4% due to higher motor reserve strengthening, elevated motor OD claims, and fire losses.
Last quarter's promises, checked
Delivered
- Guided 1/n reporting base effect to end → Delivered non-crop growth visible in H2 (= BEAT)
- Guided 30% EOM compliance → Delivered 30.46% for full year (= BEAT)
Partly delivered
- Targeted 15% plus ROE → Delivered 10.4% for the year (= PARTIAL)
Missed
- Guided combined ratio 112.2% → Delivered 120.4% in Q1 FY27 (= MISS)
- Guided claims ratio 81.3% → Delivered 85.6% in Q1 FY27 (= MISS)
Investor Presentation filed with BSE, 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
Cholamandalam Financial Holdings Limited scheduled a board meeting for November 6, 2026, to consider financial results for the period ended September 2026.
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.
Cholamandalam Financial Holdings Earnings Call Transcript: Key Takeaways
Management is navigating severe pricing pressure in fire and motor insurance while attempting a portfolio cleanup. Growth is tepid as they prioritize underwriting discipline over volume in a hyper-competitive market.