Flash Finance

Cholamandalam Investment and Finance Company LimitedCHOLAFINBank / NBFC

Financial Services Credit Services Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹1,530.90
MCap ₹131,276 Cr · P/E 22.8
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹8,856 Cr
Interest Earned · Jun 2026
+33.1% YoY
₹2,222 Cr
Operating Profit · Jun 2026
-7.9% YoY
₹1,656 Cr
Net Profit · Jun 2026
+45.6% YoY
₹19.43
EPS · Jun 2026
+43.6% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 Cholamandalam Investment and Finance Company Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Cholamandalam Investment and Finance Company Limited reported total income of ₹8,957 crore for the quarter ended June 2026 (Q1 FY27), up 21.8% from ₹7,353 crore in the same quarter last year, and up 4.6% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹8,856 crore and other income ₹100 crore. Net interest income (interest earned minus interest expended of ₹4,007 crore) worked out to ₹4,849 crore.

Net profit rose 45.6% year-on-year to ₹1,656 crore, from ₹1,138 crore. Earnings per share (EPS) came in at ₹19.43.

Full year and trailing twelve months

For the full year FY26, Cholamandalam Investment and Finance Company Limited posted total income of ₹31,541 crore, a growth of 20.6% over FY25, with a net profit of ₹5,232 crore (up 22.7% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹33,144 crore with a net profit of ₹5,751 crore.

Valuation snapshot

At the current price of ₹1,530.90, CHOLAFIN has a market capitalisation of ₹131,276 crore and a trailing P/E of about 22.8.

Within the Credit Services industry, it is the 3rd-largest of the 23 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 48.93%, foreign institutional investors (FIIs) 24.87%, domestic institutional investors (DIIs) 20.38%, public shareholders 5.83% of Cholamandalam Investment and Finance Company Limited.

Promoter holding slipped from 49.22% to 48.93% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹131,276 Cr
Current Price ?
₹1,530.9
P/E ?
22.83above ind
Industry P/E ?
14.30
P/B ?
4.31
P/S ?
3.96
P/FCF ?
-4.34
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.91
Earnings Yield ?
4.4%
Dividend Yield ?
0.13%
Profitability & Returns
Total Income (TTM) ?
₹33,144 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹5,751 Cr
EPS (TTM) ?
₹67.06
ROCE ?
N/A
ROE ?
18.9%
ROA ?
2.3%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹8,957 Cr
PAT — latest qtr ?
₹1,656 Cr
YoY qtr sales growth ?
21.8%
YoY qtr profit growth ?
45.6%
Sales growth (3y) ?
34%
Sales growth (5y) ?
27%
Profit growth (3y) ?
25%
Profit growth (5y) ?
28%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
48.93%
Change in promoter holding ?
-0.97%
Pledged percentage ?
N/A
Market
Return 3 months ?
-11.2%
Return 6 months ?
-2.4%

🗓️ Quarterly results (15 quarters · ₹ Cr)

same fiscal quarter as Jun bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 YoY % QoQ %
Interest Earned 3,1423,4993,8514,2234,6164,9385,3755,7766,7336,4246,6566,9017,8988,4178,856 +33.1% +5.2%
Other Income 266336320472439561482546104713697712111148100 -85.6% -32.2%
Total Income 3,4083,8354,1714,6955,0555,4995,8576,3226,8377,1377,3537,6138,0098,5658,957 +21.8% +4.6%
Interest Expended 1,5431,7342,0062,2042,4412,5792,7963,0593,2753,3653,4683,5173,6463,7534,007 +15.6% +6.8%
Operating Profit 1,0851,2771,3281,4651,5151,6141,8571,9282,1292,3242,4142,462——2,222 -7.9% —
Provisions 159114372400359187582624664625882897——— — —
Profit Before Tax 9231,1639521,0621,1561,4441,2751,3051,4661,6991,5321,5661,7362,1432,224 +45.1% +3.8%
Net Profit 6858557107738721,0659479681,0881,2601,1381,1601,2901,6451,656 +45.6% +0.7%
EPS 8.3410.408.649.4010.4012.6811.2711.5212.9514.9813.5313.7815.2819.3119.43 +43.6% +0.6%
Gross NPA % — 4.63% 4.30% 4.07% 3.92% 3.54% 3.62% 3.78% 4.00% 3.97% 4.29% 4.57% 4.63% 4.36% — — —
Net NPA % — 3.11% 2.77% 2.59% 2.56% 2.32% 2.37% 2.48% 2.66% 2.63% 2.86% 3.07% 3.13% 2.87% — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹24,308 Cr ₹29,872 Cr ₹32,073 Cr +22.9%
Other Income ₹1,846 Cr ₹1,668 Cr ₹1,071 Cr -9.6%
Total Income ₹26,154 Cr ₹31,541 Cr ₹33,144 Cr +20.6%
Interest Expended ₹12,495 Cr ₹14,384 Cr ₹14,924 Cr +15.1%
Net Interest Income ₹11,814 Cr ₹15,488 Cr ₹17,149 Cr +31.1%
Operating Profit ₹8,237 Cr ₹4,875 Cr ₹4,684 Cr -40.8%
Provisions ₹2,494 Cr ₹1,780 Cr ₹897 Cr -28.7%
Profit Before Tax ₹5,744 Cr ₹6,977 Cr ₹7,668 Cr +21.5%
Tax ₹1,481 Cr ₹800 Cr ₹974 Cr -46.0%
Net Profit ₹4,263 Cr ₹5,232 Cr ₹5,751 Cr +22.7%
EPS ₹50.72 ₹61.90 ₹67.80 +22.0%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 164168168170 +1.2%
Reserves 14,18219,42523,50030,288 +28.9%
Borrowing 97,358134,475175,036211,070 +20.6%
Other Liabilities 1,9232,6183,1823,920 +23.2%
Total Liabilities 113,627156,686201,887245,448 +21.6%
Fixed Assets 4031,5631,7801,883 +5.8%
CWIP 60131128 +154.5%
Investments 3,5624,0366,3676,646 +4.4%
Other Assets 109,602151,075193,729236,892 +22.3%
Total Assets 113,627156,686201,887245,448 +21.6%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -27,105-35,683-32,413-30,021 +7.4%
Cash from Investing Activity -2,148-2,855-2,948-2,554 +13.4%
Cash from Financing Activity 27,46638,47139,79535,610 -10.5%
Net Cash Flow -1,787-664,4343,035 -31.6%
Free Cash Flow -27,293-36,754-32,600-30,263 +7.2%
CFO/OP -283%-249%-169%-133% +21.3%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 20%20%20%19% -5.0%

👥 Shareholding (latest 6 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026 % Chg
Promoters 49.90%49.88%49.72%49.25%49.22%48.93% -0.6%
FIIs 27.96%26.85%26.56%24.87%24.45%24.87% +1.7%
DIIs 16.05%17.27%17.54%19.91%20.62%20.38% -1.2%
Public 6.07%6.00%6.16%5.95%5.70%5.83% +2.3%
No. of Shareholders 1,83,9331,65,0681,70,0501,60,4281,51,2191,70,510 +12.8%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJFINANCE Bajaj Finance ₹926.00 576,334 26.6 90,578 22,067 19.7% 24.4% 18.4% 15.2% 21.8% 28.7%
2 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
3 CHOLAFIN Cholamandalam Investment ₹1,529.90 131,191 22.6 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
4 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
5 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
6 IRFC Indian Railway ₹81.09 105,973 14.4 30,364 7,372 18.9% 24.3% 0.7% 7.8% 24.4% 10.2%
7 RECLTD REC ₹312.70 82,341 5.1 59,274 16,035 27.4% 27.1% 5.7% 2.7% -2.4% -6.1%
8 LTF L&T Finance ₹309.10 77,462 15.9 20,052 4,871 12.7% 24.3% 12.4% 67.1% 26.5% 32.4%
9 SBICARD SBI Cards ₹655.20 62,352 28.8 20,712 2,166 28.8% 10.5% 11.1% 13.1% 7.4% 14.0%
10 HDBFS HDB FINANCIAL ₹670.85 55,577 18.8 19,362 2,960 27.7% 15.3% — — 10.1% 34.2%
11 PIRAMALFIN PIRAMAL FINANCE ₹2,256.00 53,275 — — — — — — — — —
12 SUNDARMFIN Sundaram Finance ₹4,700.00 51,802 23.4 10,164 2,220 23.7% 21.8% 15.2% 9.5% 12.8% 33.9%
13 M&MFIN Mahindra & Mahindra ₹356.50 49,540 13.8 22,720 3,604 12.8% 15.9% 13.9% 26.5% 18.1% 60.9%
14 POONAWALLA Poonawalla Fincorp ₹444.00 38,888 34.7 8,900 1,088 15.8% 12.2% 60.9% 652.7% 70.1% 405.2%
15 HUDCO Housing and Urban ₹172.35 34,503 8.1 14,119 4,255 19.2% 30.1% 28.8% 48.9% 26.9% 35.1%
16 IREDA Indian Renewable ₹111.71 31,382 15.9 8,915 1,970 17.4% 22.1% 23.4% 10.3% 13.9% 1.0%
17 MANAPPURAM Manappuram Finance ₹329.00 30,904 20.9 10,300 1,445 16.2% 14.0% -5.5% -17.5% 34.2% 341.4%
18 IIFL IIFL Finance ₹600.00 25,517 — — — — — 30.8% 214.4% 28.4% 92.6%
19 CHOLAHLDNG Cholamandalam Financial ₹1,329.60 24,967 9.4 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
20 CGCL Capri Global ₹238.54 22,951 20.4 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
21 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
22 CREDITACC CreditAccess Grameen ₹1,142.40 18,310 11.5 6,779 1,587 29.7% 23.4% 5.3% 46.5% 26.2% 298.7%
23 KISSHT OnEMI Technology ₹361.35 6,406 — — — — — — — 44.6% 58.5%
❓ Frequently asked questions
What was Cholamandalam Investment and Finance Company Limited's total income in Q1 FY27?
Cholamandalam Investment and Finance Company Limited reported total income of ₹8,957 crore for the quarter ended June 2026 (Q1 FY27), up 21.8% from ₹7,353 crore in the same quarter last year, and up 4.6% sequentially over the March 2026 quarter.
What was Cholamandalam Investment and Finance Company Limited's net profit in Q1 FY27?
Net profit rose 45.6% year-on-year to ₹1,656 crore, from ₹1,138 crore. Earnings per share (EPS) came in at ₹19.43.
What is CHOLAFIN's market capitalisation and P/E ratio?
At the current price of ₹1,530.90, CHOLAFIN has a market capitalisation of ₹131,276 crore and a trailing P/E of about 22.8.
Who owns Cholamandalam Investment and Finance Company Limited? (shareholding pattern)
As of Sep 2026, promoters held 48.93%, foreign institutional investors (FIIs) 24.87%, domestic institutional investors (DIIs) 20.38%, public shareholders 5.83% of Cholamandalam Investment and Finance Company Limited.
TTM ends 2026-06-30. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI