Chola Financial Q1 FY27 Share Price & Earnings Call Analysis

Financials of Chola Financial

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

Financials of Chola Financial

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 Chola Financial

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 Chola Financial

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 Chola Financial

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 Chola Financial

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%

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What Chola Financial's management said in earlier quarters

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