CHOLAHLDNG Cholamandalam Financial Holdings Q3 FY26 results (Oct–Dec 2025) and concall
Chola Financial Holdings reported a challenging Q3 FY26 with GDPI of INR 2,067 crores, impacted by the loss of crop insurance business and higher motor OD loss ratios. Despite these headwinds, expense management improved, and the company maintained a strong solvency ratio. Management outlined plans to improve profitability through corrective actions in motor OD, re-entry into crop insurance, and optimizing investment allocation, aiming to return to a 16-18% ROE range in the medium term.
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What they filed
Q3 FY26: revenue up 24.7%, net profit up 40.7% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|
| Revenue | 29 | 3 | 52 | 4 | 30 +3% | 4 +25% |
| EBITDA | 4,553 | 4,718 | 5,204 | 5,154 | 5,102 +12% | 5,462 +16% |
| Net profit | 24 | 2 | 38 | 2 | 27 +15% | 3 +41% |
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.
