| Revenue growth | GWP grew 6.7% YoY to ₹2,130 Cr. |
|---|---|
| Margins | Claims ratio increased to 85.6% vs 81.3% YoY; combined ratio 120.4%. |
| Demand visibility | Positive tailwinds in motor; health insurance remains fastest-growing industry segment. |
| Management confidence | Confident in improving loss ratios through corrective portfolio actions. |
Growth
GWP grew 6.7% YoY to ₹2,130 Cr; GDPI grew 2.6% to ₹1,860 Cr. Net earned premium was ₹1,671 Cr.
Outlook
Aiming to bring motor OD loss ratio below 80% through sourcing optimization and internal interventions. Targeting mid-70s eventually.
Risks
Combined ratio deteriorated to 120.4% due to higher motor reserve strengthening, elevated motor OD claims, and fire losses.
Last quarter's promises, checked
Delivered
- Guided 1/n reporting base effect to end → Delivered non-crop growth visible in H2 (= BEAT)
- Guided 30% EOM compliance → Delivered 30.46% for full year (= BEAT)
Partly delivered
- Targeted 15% plus ROE → Delivered 10.4% for the year (= PARTIAL)
Missed
- Guided combined ratio 112.2% → Delivered 120.4% in Q1 FY27 (= MISS)
- Guided claims ratio 81.3% → Delivered 85.6% in Q1 FY27 (= MISS)
Investor Presentation filed with BSE, NSE: CHOLAHLDNG. Summary written with AI assistance from the document.
Cholamandalam Financial Holdings Ltd: key numbers
- Share price
- ₹1,403.00
- Market cap
- ₹26,345 Cr
- Revenue (annual)
- ₹39,073 Cr
- Net profit (annual)
- ₹2,441 Cr
- P/E (TTM)
- 9.9×Sector 22.8×
- Promoter holding
- 46.43%+0.05% QoQ
- FII holding
- 13.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Cholamandalam Financial Holdings Ltd
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Cholamandalam Financial Holdings Earnings Call Transcript: Key Takeaways
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Cholamandalam Financial Holdings reported a consolidated PAT of Rs. 1,789 Cr for the quarter ended June 30, 2026, representing a 42% year-on-year growth.
Cholamandalam Financial Holdings Investor Presentation: Key Takeaways
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Cholamandalam Financial Holdings Q1 FY27 Results: Net Profit ₹1,789 Cr, Up 42.0% YoY
Cholamandalam Financial Holdings Ltd reported revenue from operations of ₹11,114 Cr (+19.5% YoY) and net profit of ₹1,789 Cr (+42.0% YoY) for Q1 FY27.
- Key figure
- Net profit ₹1,789 Cr · +42.0% YoY
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