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Cholamandalam Financial Holdings share price & results

Cholamandalam Financial Holdings Limited· Financial Services

Results to
Jun 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

RBI Core Investment Company holding Murugappa Group stakes in NBFC, insurance and risk-services arms.

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue4.4 ₹ crore+19.5% YoYQuarterly, as filedQuarter to Jun 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Jun 2026Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit4.4 ₹ crore+107.6% YoYQuarterly, as filedQuarter to Jun 2026Profit after tax as filed.
Return on equity19.09 %−1.7 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)17.54 %−10.6 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Jun 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Jun 2026

Guidance

What management said, and what became of it

1 of 7 judged targets kept · 4 open · verdicts reflect calls analysed to Q1 FY27.

Cholamandalam Financial Holdings Limited management guidance track record on Inve: 11 targets tracked across analysed earnings calls (1 achieved, 6 missed, 4 open).

TargetOriginal wordingSaidLatest callVerdict
Expense of Management (EOM)we are on the path to achieve that glide path level for FY 25-26
Call transcript, Q4 FY25 · 9 May 2025		Q4 FY25Q1 FY27:No new information to change the 'achieved' status.
Call transcript, Q1 FY27 · 14 Aug 2026		Achieved
Health Loss Ratioone can reasonably expect it to be around 72 or so
Call transcript, Q3 FY25 · 7 Feb 2025		Q3 FY25Q1 FY27:Discussed health portfolio profitability and pricing corrections but again avoided giving a specific loss ratio number.
Call transcript, Q1 FY27 · 14 Aug 2026		Ghosted
Return on Equity (ROE)I certainly feel that this level of ROE [18.5%] is quite sustainable as we go along.
Call transcript, Q4 FY25 · 9 May 2025		Q4 FY25Q1 FY27:Combined ratio deteriorated significantly to 120.4%, making the 15%+ ROE target highly challenging. The target was not reiterated.
Call transcript, Q1 FY27 · 14 Aug 2026		At Risk

Source: Inve Guidance Tracker for Cholamandalam Financial Holdings Limited · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

6 of Cholamandalam Financial Holdings Limited's 11 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 8 more targets are in the full ledger.

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Price

₹1,261 +0.55% · +₹6.9

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance −37.3% 1Y

₹1.2k₹1.4k₹1.6k₹1.8k₹2.0kOct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 7 Nov 2025Q3 FY26 — 9 Feb 2026Q4 FY26 — 8 May 2026Q1 FY27 — 14 Aug 2026

1Y: ₹2,012.7 on 24 Oct 2025 → ₹1,261. High ₹2,014.8 (4 Nov 2025), low ₹1,254.1 (26 Oct 2026).

Previous close
₹1,254.1
Market cap
₹23.5k Cr
52-week range
₹1,254.1 – ₹2,014.8
One year
−35.59%
Price to earnings (TTM to Jun 2026)
8.82×
Return on equity (TTM to Jun 2026)
19.09%

Overview

Symbol
NSE:CHOLAHLDNG
Exchange
NSE
Currency
INR

What Cholamandalam Financial Holdings Limited does

Based on the company's own presentations, annual report and earnings calls.

Cholamandalam Financial Holdings (CFHL) is an RBI-registered, non-deposit-taking Systemically Important Core Investment Company, classified as a Middle Layer NBFC under RBI's Scale Based Regulations. Following a 2017 demerger from the erstwhile TI Financial Holdings, it holds strategic stakes in three Murugappa Group financial-services companies: Cholamandalam Investment and Finance Company (CIFCL), a vehicle-finance and secured-lending NBFC; Cholamandalam MS General Insurance (CMSGICL), a multi-line insurer joint-ventured with Mitsui Sumitomo of Japan; and Cholamandalam MS Risk Services (CMSRSL), a risk-management and engineering-solutions JV also with Mitsui Sumitomo. CFHL itself carries no direct operating business beyond managing this investment portfolio and exercising strategic oversight over these group companies.

Segments

  • Cholamandalam Investment and Finance Company (CIFCL)
  • Cholamandalam MS General Insurance Company (CMSGICL)
  • Cholamandalam MS Risk Services (CMSRSL)
CIFCL branch network
1,761 branches across India
CIFCL geographic coverage
26 states and 7 union territories
CIFCL customer base
over 43.7 lakh customers
CMSGICL branch network
198 branches nationwide
CMSGICL intermediary network
over 50,000 intermediaries
CMSGICL market presence points (branches + Chola Insurance Express + virtual offices)
585 touchpoints
Founded 1949Headquarters Chennai, India Company website

How the price took the results

close before → close after

Q1 FY27
+0.8%
14 Aug
Q4 FY26
+1.5%
8 May
Q3 FY26
+3.9%
9 Feb
Q2 FY26
−4.5%
7 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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