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Cholamandalam Financial Holdings Q1 FY27 Share Price & Earnings Call Analysis

₹1,365.00+4.67% today
Market cap
₹25,632 Cr
P/E
9.61
ROE
17.47%
PEG
0.40
Price to sales
0.61
Debt to equity
13.61
52W high / low
₹2,015 / ₹1,254
Sales growth (5Y)
23.01%
EBITDA margin
55.71%
Net profit margin
14.02%
Promoter holding
46.39%
Sales (last year)
₹40,890 Cr

Cholamandalam Financial Holdings Ltd, part of the Murugappa Group, is an RBI-registered Core Investment Company with interests in lending, general insurance, and risk-management services.[1]

Guidance scorecard · Q1 FY27 call

What Cholamandalam Financial Holdings Ltd's management guided
and where it ranks in Finance

Revenue0–10%MarginsFlatCapexWhat management saidFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

0–10%
  • General insurance industry growth in Q1 FY2027 was about 8.3%, primarily driven by motor and health segments.
  • Motor portfolio grew by approximately 5.7%, mainly from the commercial vehicle segment.
  • Commercial lines, particularly fire insurance, saw pressure with an 8.6% decline due to intense pricing competition.
  • Focus on improving commercial lines via marine, engineering, and liability segments which showed better performance.
  • Moderate growth in health insurance aimed at improving portfolio quality over volume.
  • Expansion plans in retail health through bancassurance and retail/aggregator channels, leveraging a strong hospital network of 13,000+ hospitals.
  • Cautious and disciplined approach towards motor and commercial insurance growth considering underwriting and claims challenges.

2 more points from Cholamandalam Financial Holdings Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Cholamandalam Financial Holdings Ltd said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

  • Investments in building capabilities in retail health insurance, indicating a focus on gradual scale-up through bancassurance and broking channels.
  • Continued initiatives in technology-enabled transformation, including rollout and enhancements in motor issuance and claims processes, aimed at improving operational efficiency and customer experience.
  • Ongoing portfolio management and rebalancing of the investment portfolio to maintain prudent strategy and strong liquidity.
  • Preparation and organizational readiness for implementation of IFRS, Risk-Based Capital framework, and Digital Personal Data Protection compliance, indicating future investments in compliance and reporting infrastructure.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

See what Cholamandalam Financial Holdings Ltd said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

  • The company sees a healthy pipeline of opportunities in the group health and SME segments.
  • In commercial lines, there is encouraging traction across segments supported by strong reputation and credible reinsurance capacity.
  • Growth in commercial lines is driven by expanding the opportunity funnel and improving conversion rates, not large risk concentrations.

2 more points from Cholamandalam Financial Holdings Ltd's call on the order book

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Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Cholamandalam Financial Holdings Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Financials of Cholamandalam Financial Holdings Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Cholamandalam Financial Holdings Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +5,1865,6266,3176,7957,0667,6338,0908,4898,9139,2969,4619,94910,366
Interest1,7432,0132,2092,4452,5822,7963,0583,2803,3613,4683,5183,6483,755
Expenses +2,2442,5882,8982,9782,9323,2533,5373,7723,7094,1424,3594,4874,541
Financing Profit1,1991,0251,2101,3711,5521,5841,4961,4381,8431,6871,5851,8142,070
Financing Margin %23%18%19%20%22%21%18%17%21%18%17%18%20%
Other Income +9789554811045911069888130137156
Depreciation50525255887074727979838784
Profit before tax1,2461,0621,2131,3631,5741,5591,5131,4711,8621,6961,6321,8632,142
Tax %28%25%27%25%27%26%26%26%27%26%26%26%24%
Net Profit +9017928881,0271,1441,1601,1251,0931,3621,2601,2141,3861,626
EPS in Rs21.7219.7822.4124.8827.3229.2027.9925.8932.6830.8129.2933.3236.59
Gross NPA %
Net NPA %

Financials of Cholamandalam Financial Holdings Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +9,6968,0042,6888,90910,92613,13513,90014,64418,15425,83033,19639,073
Interest2,10397602,6553,5874,5924,6084,3285,7789,24912,49414,388
Expenses +6,5427,0292,3774,4905,1476,5886,8077,2108,59711,38914,26917,529
Financing Profit1,051-13111,7642,1921,9542,4853,1063,7805,1916,4337,155
Financing Margin %11%-0%12%20%20%15%18%21%21%20%19%18%
Other Income +1231,538102116092221256262510
Depreciation171163177078150145154176248296333
Profit before tax1,0031,3742951,6952,1351,8062,4003,0443,8245,2006,4007,333
Tax %32%27%30%34%34%36%27%26%26%26%26%25%
Net Profit +6841,1815381,1271,4151,1651,7642,2392,8103,8514,7405,485
EPS in Rs22.6855.4724.2629.3237.1229.3443.9354.4968.7194.39115.76130.01
Dividend Payout %9%9%1%4%3%2%1%1%1%1%1%1%

Financials of Cholamandalam Financial Holdings Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital373719191919191919191919
Reserves2,2903,2872,7453,2913,9254,5725,3676,4277,64210,22312,49615,435
Borrowing21,4311,441038,20050,44755,11763,79769,22997,191134,014174,366210,400
Other Liabilities +6,5794,9005,12911,89713,54616,14719,43222,09726,18132,66237,73342,479
Total Liabilities30,3389,6657,89253,40767,93775,85588,61697,771131,033176,917224,615268,333
Fixed Assets +1,5211,3361023113064794474646231,7842,0292,278
CWIP4056041411104060355428
Investments2,6655,1416,5366,2117,5528,89311,67813,28217,53620,05824,27124,968
Other Assets +26,1123,1311,25446,88160,06566,47276,48183,984112,813155,041198,261241,059
Total Assets30,3389,6657,89253,40767,93775,85588,61697,771131,033176,917224,615268,333

Financials of Cholamandalam Financial Holdings Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,685-500594-6,302-9,274-1,914-9,719-5,738-29,329-35,726-34,201-30,033
Cash from Investing Activity +-461193-1,263-1,825-94-96-62-135295-2,625-1,038-2,528
Cash from Financing Activity +1,704748-698,28712,1712,4277,6887,07327,28838,26939,65235,650
Net Cash Flow-443441-7381602,803417-2,0931,199-1,746-824,4133,089
Free Cash Flow-1,822-674568-6,391-9,367-2,011-9,781-5,874-29,586-36,887-34,528-30,365
CFO/OP-41%-13%230%-126%-145%-17%-125%-65%-296%-238%-173%-131%

Financials of Cholamandalam Financial Holdings Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %19%21%15%18%19%13%17%17%18%20%19%17%

Guidance history

How Cholamandalam Financial Holdings Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →0–10%Flat———
Q4 FY26 call →10–20%Flat———
Q3 FY26 call →0–10%Up 2%+———
Q2 FY26 call →0–10%Up 0–2%———

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

16out of 100

Momentum score · price trend

16 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−28.7%25%
Last 6 months−12.3%33%
Last 3 months−9.2%42%

The price is 35.6% below its all-time high of ₹2,118.1 (18 Jul 2025). Stocks more than 20% below their peak have their score halved, so 31 became 16.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Cholamandalam Financial Holdings Ltd: 0.4 × 25 + 0.4 × 33 + 0.2 × 42 = 31, halved to 16 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Cholamandalam Financial Holdings Ltd's management said in earlier quarters

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