| Revenue growth | AUM grew 21% YoY; NIMs improved by 40bps. |
|---|---|
| Margins | NIMs improved as cost of funds softened during the quarter. |
| Demand visibility | Strong visibility across commercial vehicles, MSME, and consumer segments. |
| Management confidence | Balanced; optimistic on growth but cautious with precautionary ₹200cr buffer. |
Growth
AUM reached ₹2,42,630cr, driven by 26% growth in Vehicle Finance and 45% in Consumer segments.
Outlook
Guided FY27 AUM growth of 20-23% with target pre-tax ROA of 3.5%.
Risks
Potential credit cost volatility from fuel price fluctuations; ₹200cr overlay reflects caution on asset quality.
Earnings Call filed with BSE, NSE: CHOLAFIN. Summary written with AI assistance from the document.
Cholamandalam Investment & Finance Company Ltd: key numbers
- Share price
- ₹1,662.70
- Market cap
- ₹1,40,179 Cr
- Revenue (annual)
- ₹31,073 Cr
- Net profit (annual)
- ₹5,233 Cr
- P/E (TTM)
- 24.4×Sector 22.0×
- Promoter holding
- 49.22%-0.03% QoQ
- FII holding
- 24.46%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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Cholamandalam Investment & Finance Company Employee Stock Options
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- Value
- ₹4.19 Cr
Cholamandalam Investment & Finance Company Debt & Borrowing: ₹213.2 Cr
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- Value
- ₹213.2 Cr
Cholamandalam Investment & Finance Company Earnings Call Transcript: Key Takeaways
Management maintains a 20-23% growth guidance despite global macro uncertainties. A precautionary 200 Cr overlay was added to mitigate potential fuel and supply chain risks, showcasing a conservative but confident posture.
- Call
- Guides 23% growth