Cholamandalam Investment and Finance Company Q4 FY26 results (Jan–Mar 2026) and concall

Financial Services · Concall AI · Call held 4 May 2026

Company page: Cholamandalam Investment and Finance Company share price, financials & guidance record

Cholamandalam Investment and Finance Company Limited delivered a strong Q4 FY26, marked by 25% YoY disbursement growth and 21% YoY AUM growth. Profitability metrics like ROA (4.1% before overlay) and ROE (23%) showed significant improvement, supported by 40 bps NIM expansion and 20 bps reduction in credit costs. While home loan disbursements saw temporary moderation, the company remains confident in its diversified growth strategy and expects continued improvement in asset quality and profitability, targeting a pre-tax ROA of 3.5% for FY27.

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What they filed

Q4 FY26: revenue up 19.5%, net profit up 30.6% against the same quarter last year.

₹ Cr · quarterly

Line item	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26	Q3 FY26	Q4 FY26
Revenue	6,255	6,733	7,046	7,267	7,491 +20%	7,898 +17%	8,417 +19%
Expenses	1,897	2,038	2,010	2,286	2,460	2,554	2,597
Other income	68	105	92	87	123	111	148
Interest	3,059	3,275	3,365	3,468	3,517	3,646	3,753
Depreciation	63	59	64	67	71	74	72
Profit before tax	1,305	1,466	1,699	1,532	1,566 +20%	1,736 +18%	2,143 +26%
Tax rate	26%	26%	26%	26%	26%	26%	23%
Net profit	968	1,088	1,260	1,138	1,160 +20%	1,290 +19%	1,645 +31%
EPS	11.52	12.94	14.98	13.53	13.78	15.28	19.31

How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.

What they filed

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