CHOLAHLDNG

What Cholamandalam Financial Holdings promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 11 tracked 1 delivered 6 missed 4 open
  • Expense of Management (EOM) delivered said Q4 FY25 Promised: we are on the path to achieve that glide path level for FY 25-26 Q1 FY27: No new information to change the 'achieved' status.
  • Health Loss Ratio went quiet said Q3 FY25 Promised: one can reasonably expect it to be around 72 or so Q1 FY27: Discussed health portfolio profitability and pricing corrections but again avoided giving a specific loss ratio number.
  • Return on Equity (ROE) at risk said Q4 FY25 Promised: I certainly feel that this level of ROE [18.5%] is quite sustainable as we go along. Q1 FY27: Combined ratio deteriorated significantly to 120.4%, making the 15%+ ROE target highly challenging. The target was not reiterated.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 11 tracked commitments for Cholamandalam Financial Holdings — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens