| Management target | Revenue 23.0% FY27 |
|---|
| Revenue growth | AUM grew 21% YoY; disbursements up 25% to 32,913 Cr. |
|---|---|
| Margins | NIM improved by 40 bps YoY as cost of funds softened. |
| Demand visibility | Strong demand in commercial and passenger vehicles in early Q1. |
| Management confidence | Confident but cautious; added a 200 Cr precautionary buffer. |
Growth
AUM grew 21% YoY to 2.42 lakh Cr, driven by strong 26% growth in vehicle finance.
Outlook
Projecting 20-23% AUM growth for FY27 with Net Credit Costs targeted at 1.5% and 3.5% Pre-tax ROA.
Risks
Precautionary overlay for fuel price volatility and global supply chain disruptions; higher credit costs in CSEL segment.
Last quarter's promises, checked
Delivered
- Guided 20-23% growth → delivered 21% AUM growth (= BEAT)
- Guided ROA 3.5% (pre-tax) → delivered 4.1% (before overlay) (= BEAT)
- Guided 1.6% credit cost → delivered 1.4% (before overlay) (= BEAT)
Partly delivered
- Guided home loan growth → delivered mild moderation due to elections (= PARTIAL)
Earnings Call Transcript 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
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- Value
- ₹213.2 Cr
Cholamandalam Investment & Finance Company Investor Presentation: Key Takeaways
Cholamandalam reported strong Q1 FY27 results with PAT rising 46% YoY to ₹1,654 Cr. The company is diversifying into Gold loans and maintaining high ROE while expanding its physical branch network.