Cholamandalam Investment & Finance Company Ltd
Cholamandalam Investment & Finance Company Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Overall AUM growth target is 20% to 25% per year, maintaining medium-term guidance. The company targets overall AUM growth of 20% to 25% annually in the medium term.
From Cholamandalam Investment & Finance Company Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Overall AUM growth target is 20% to 25% per year, maintaining medium-term guidance.
- Vehicle finance: Targeting 15% disbursement growth translating to 20% asset growth in FY '26.
- Non-vehicle segments (Home Loans, LAP, SME, CSEL): Targeting around 30% asset growth; Home Loans disbursement expected at 15-20%, translating to 30%+ book growth over next 2 years.
- SME lending disbursements expected to be flat in near term but growth is anticipated as new products (small term loans and equipment finance) gain traction.
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Profitability & Margins
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Capital Expenditure Plans
- The company has launched a gold loan business targeting select geographies with plans to scale to INR 2,000 crores AUM within 1 to 1.5 years, following a pilot in South and East regions.
- There is ongoing investment to grow and groom five new businesses launched post-COVID, including gold loans and consumer durable lending, aiming to build them as big as vehicle finance, LAP, and home loans over 3-4 years.
- Branch expansion is moderate, with LAP and home loans focusing more on improving productivity rather than aggressive branch addition this year; subsequent years may see 100 additional branches for LAP and HL.
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Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Cholaman.Inv.&Fn's management said in earlier quarters
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Frequently Asked Questions
What were Cholamandalam Investment & Finance Company Ltd Q4 FY25 results?
Overall AUM growth target is 20% to 25% per year, maintaining medium-term guidance. The company targets overall AUM growth of 20% to 25% annually in the medium term.
What is Cholamandalam Investment & Finance Company Ltd share price analysis?
Cholamandalam Investment & Finance Company Ltd currently shows a neutral. The stock trades at a P/E of 28.1 with a market cap of ₹161,528 Cr. Investors should review the full earnings analysis for detailed insights.
Is Cholamandalam Investment & Finance Company Ltd planning capital expenditure?
The company has launched a gold loan business targeting select geographies with plans to scale to INR 2,000 crores AUM within 1 to 1.5 years, following a pilot in South and East regions.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.