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Cholamandalam Financial Holdings LimitedCHOLAHLDNGBank / NBFC

Financial Services Credit Services Latest results: Jun 2026 15 quarters of data
Consolidated Standalone
₹1,360.00
MCap ₹25,538 Cr · P/E 4.2
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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.
₹11,114 Cr
Interest Earned · Jun 2026
+59.8% YoY
₹2,398 Cr
Operating Profit · Jun 2026
-6.9% YoY
₹1,789 Cr
Net Profit · Jun 2026
+42.0% YoY
₹42.92
EPS · Jun 2026
+41.6% YoY
—
Gross NPA % · Jun 2026
—
Net NPA % · Jun 2026

📝 Cholamandalam Financial Holdings Limited — results explained

Quarter ended June 2026 (Q1 FY27)

Cholamandalam Financial Holdings Limited reported total income of ₹11,214 crore for the quarter ended June 2026 (Q1 FY27), up 19.5% from ₹9,383 crore in the same quarter last year, and up 6.6% sequentially over the March 2026 quarter.

Of this, interest earned contributed ₹11,114 crore and other income ₹101 crore. Net interest income (interest earned minus interest expended of ₹4,007 crore) worked out to ₹7,106 crore.

Net profit rose 42.0% year-on-year to ₹1,789 crore, from ₹1,260 crore. Earnings per share (EPS) came in at ₹42.92.

Full year and trailing twelve months

For the full year FY26, Cholamandalam Financial Holdings Limited posted total income of ₹39,578 crore, a growth of 18.3% over FY25, with a net profit of ₹5,486 crore (up 15.7% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹41,410 crore with a net profit of ₹6,015 crore.

Valuation snapshot

At the current price of ₹1,360.00, CHOLAHLDNG has a market capitalisation of ₹25,538 crore and a trailing P/E of about 4.2.

Within the Credit Services industry, it is the 18th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 46.39%, foreign institutional investors (FIIs) 12.56%, domestic institutional investors (DIIs) 27.77%, the government 0.46%, public shareholders 12.81% of Cholamandalam Financial Holdings Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹25,538 Cr
Current Price ?
₹1,360.0
P/E ?
4.25below ind
Industry P/E ?
15.80
P/B ?
1.65
P/S ?
0.62
P/FCF ?
-0.84
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.18
Earnings Yield ?
23.6%
Dividend Yield ?
0.09%
Profitability & Returns
Total Income (TTM) ?
₹41,410 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹6,015 Cr
EPS (TTM) ?
₹320.33
ROCE ?
N/A
ROE ?
38.9%
ROA ?
2.2%
Gross NPA % ?
N/A
Net NPA % ?
N/A
Growth
Total Income — latest qtr ?
₹11,214 Cr
PAT — latest qtr ?
₹1,789 Cr
YoY qtr sales growth ?
19.5%
YoY qtr profit growth ?
42.0%
Sales growth (3y) ?
29%
Sales growth (5y) ?
23%
Profit growth (3y) ?
24%
Profit growth (5y) ?
24%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
46.39%
Change in promoter holding ?
-0.05%
Pledged percentage ?
N/A
Market
Return 3 months ?
-13.6%
Return 6 months ?
-17.1%

🗓️ 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 3,3605,1864,0894,4684,8677,0665,6436,0526,4518,9136,9547,2027,53910,36611,114 +59.8% +7.2%
Other Income 1,416971,6251,9051,9751102,0342,1292,142982,4292,3872,545156101 -95.9% -35.4%
Total Income 4,7775,2835,7156,3726,8427,1767,6778,1818,5939,0119,3839,58910,08410,52211,214 +19.5% +6.6%
Interest Expended 1,5511,7432,0132,2092,4452,5822,7963,0583,2803,3613,4683,5183,6483,7554,007 +15.6% +6.7%
Operating Profit 1,132—1,4381,6161,712—2,1402,1352,133—2,5772,5272,772—2,398 -6.9% —
Provisions 160—373400349—582622664—882897910—— — —
Profit Before Tax 9701,2461,0621,2131,3631,5741,5591,5131,4711,8621,6961,6321,8632,1422,400 +41.5% +12.1%
Net Profit 7209017928881,0271,1441,1601,1251,0931,3621,2601,2141,3861,6261,789 +42.0% +10.0%
EPS 17.6921.7219.7822.4124.8827.3229.2027.9925.8932.6830.3129.2833.3236.5942.92 +41.6% +17.3%
Gross NPA % — — — — — — — — — — — — 4.63% — — — —
Net NPA % — — — — — — — — — — — — 3.13% — — — —
Capital Adequacy Ratio — — — — — — — — — — — — — — — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹27,059 Cr ₹32,061 Cr ₹36,221 Cr +18.5%
Other Income ₹6,404 Cr ₹7,517 Cr ₹5,189 Cr +17.4%
Total Income ₹33,463 Cr ₹39,578 Cr ₹41,410 Cr +18.3%
Interest Expended ₹12,495 Cr ₹14,388 Cr ₹14,928 Cr +15.2%
Net Interest Income ₹14,564 Cr ₹17,673 Cr ₹21,293 Cr +21.3%
Operating Profit ₹6,409 Cr ₹7,876 Cr ₹7,698 Cr +22.9%
Provisions ₹1,868 Cr ₹2,690 Cr ₹1,808 Cr +44.0%
Profit Before Tax ₹6,405 Cr ₹7,333 Cr ₹8,037 Cr +14.5%
Tax ₹1,165 Cr ₹1,331 Cr ₹1,506 Cr +14.2%
Net Profit ₹4,740 Cr ₹5,486 Cr ₹6,015 Cr +15.7%
EPS ₹115.76 ₹129.50 ₹142.11 +11.9%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 19191919 +0.0%
Reserves 7,64210,22312,49615,435 +23.5%
Borrowing 97,191134,014174,366210,400 +20.7%
Other Liabilities 26,18132,66237,73342,479 +12.6%
Total Liabilities 131,033176,917224,615268,333 +19.5%
Fixed Assets 6231,7842,0292,278 +12.3%
CWIP 60355428 -48.1%
Investments 17,53620,05824,27124,968 +2.9%
Other Assets 112,813155,041198,261241,059 +21.6%
Total Assets 131,033176,917224,615268,333 +19.5%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -29,329-35,726-34,201-30,033 +12.2%
Cash from Investing Activity 295-2,625-1,038-2,528 -143.5%
Cash from Financing Activity 27,28838,26939,65235,650 -10.1%
Net Cash Flow -1,746-824,4133,089 -30.0%
Free Cash Flow -29,586-36,887-34,528-30,365 +12.1%
CFO/OP -296%-238%-173%-131% +24.3%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 18%20%19%17% -10.5%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Sep 2026 % Chg
Promoters 46.44%46.42%46.38%46.38%46.39% +0.0%
FIIs 18.32%17.39%16.47%13.81%12.56% -9.1%
DIIs 21.43%22.52%23.55%26.09%27.77% +6.4%
Government 0.46%0.46%0.46%0.46%0.46% +0.0%
Public 13.34%13.21%13.14%13.26%12.81% -3.4%
No. of Shareholders 50,78047,99544,22547,75243,791 -8.3%

⚖️ 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 ₹1,034.50 643,553 31.7 86,183 20,648 21.1% 24.0% 18.4% 15.2% 18.7% 27.6%
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 ₹1,845.90 157,642 27.2 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 20.2 18,902 2,761 31.0% 14.6% — — 10.6% 38.3%
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 15.2 21,808 3,259 14.7% 14.9% 13.9% 26.5% 14.1% 75.3%
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 16.0 8,628 1,964 9.8% 22.8% 23.4% 10.3% 14.8% 36.8%
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 CHOLAHLDNG Cholamandalam Financial ₹1,539.00 28,899 10.8 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
19 CGCL Capri Global ₹265.50 25,545 22.7 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
20 IIFL IIFL Finance ₹600.00 25,517 — — — — — 30.8% 214.4% 28.4% 92.6%
21 CREDITACC CreditAccess Grameen ₹1,403.30 22,489 18.6 6,383 1,211 31.9% 19.0% 5.3% 46.5% 21.9% 719.7%
22 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
23 KISSHT OnEMI Technology ₹361.35 6,406 — — — — — — — 44.6% 58.5%
❓ Frequently asked questions
What was Cholamandalam Financial Holdings Limited's total income in Q1 FY27?
Cholamandalam Financial Holdings Limited reported total income of ₹11,214 crore for the quarter ended June 2026 (Q1 FY27), up 19.5% from ₹9,383 crore in the same quarter last year, and up 6.6% sequentially over the March 2026 quarter.
What was Cholamandalam Financial Holdings Limited's net profit in Q1 FY27?
Net profit rose 42.0% year-on-year to ₹1,789 crore, from ₹1,260 crore. Earnings per share (EPS) came in at ₹42.92.
What is CHOLAHLDNG's market capitalisation and P/E ratio?
At the current price of ₹1,360.00, CHOLAHLDNG has a market capitalisation of ₹25,538 crore and a trailing P/E of about 4.2.
Who owns Cholamandalam Financial Holdings Limited? (shareholding pattern)
As of Sep 2026, promoters held 46.39%, foreign institutional investors (FIIs) 12.56%, domestic institutional investors (DIIs) 27.77%, the government 0.46%, public shareholders 12.81% of Cholamandalam Financial Holdings 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