CHOLAHLDNG Cholamandalam Financial Holdings Q2 FY26 results (Jul–Sep 2025) and concall
Cholamandalam Financial Holdings reported a mixed Q2 FY26, with GDPI of INR 1,835 crores and H1 PBT of INR 266 crores. While the expense of management was well within regulatory targets, claims ratios and the combined ratio remained elevated, partly due to higher motor third-party provisioning and crop insurance losses. The company expects growth visibility from Q3 as accounting effects normalize and is actively working on improving motor OD loss ratios and achieving its long-term ROE targets.
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What they filed
Q2 FY26: revenue up 3.2%, net profit up 15.5% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|
| Revenue | 29 | 3 | 52 | 4 | 30 +3% |
| EBITDA | 4,553 | 4,718 | 5,204 | 5,154 | 5,102 +12% |
| Net profit | 24 | 2 | 38 | 2 | 27 +15% |
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.
