| Management target | Revenue 23.0% FY27 |
|---|
| Revenue growth | AUM up 21% YoY; disbursements up 25% YoY. |
|---|---|
| Margins | NIMs improved 40 bps YoY due to softening cost of funds. |
| Demand visibility | Strong across vehicle finance and MSME segments. |
| Management confidence | Confident, emphasizing strong disbursement momentum and digital underwriting. |
Growth
AUM grew 21% YoY; aggregate disbursements surged 25% YoY to ₹32,913 Cr.
Outlook
Guidance maintains 20-23% growth trajectory with credit costs targeted at 1.5%.
Risks
Management flagged geopolitical volatility and potential fuel price shocks as key risks.
Last quarter's promises, checked
Delivered
- Guided Q2 disb ≥ Q1 ₹29,612 Cr → delivered ₹32,913 Cr (= BEAT)
- Guided FY27 CoF flat YoY → softer CoF, NIM +40bps YoY (= BEAT)
Partly delivered
- Guided ₹430 Cr CCD conversion Oct-26 → 'ongoing', unconfirmed (= PARTIAL)
- Guided FY27 credit cost 1.5% → Q1 at 1.5%, full year pending (= PARTIAL)
- Guided 5,000 Cr gold AUM FY27 (Q1 2,143 Cr) → no update, branches only 'planned' (= PARTIAL)
Missed
- Guided AUM +22-23% YoY → delivered +21% (= MISS)
- Guided credit cost improve below 1.5% → held at 1.5% (= MISS)
Earnings Call Transcript filed with NSE, NSE: CHOLAFIN. Summary written with AI assistance from the document.
Cholamandalam Investment & Finance Company Ltd: key numbers
- Share price
- ₹1,545.20
- Market cap
- ₹1,30,295 Cr
- Revenue (annual)
- ₹31,073 Cr
- Net profit (annual)
- ₹5,233 Cr
- P/E (TTM)
- 20.9×Sector 19.7×
- Promoter holding
- 48.93%-0.29% QoQ
- FII holding
- 24.87%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Key figure
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