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Cholamandalam Financial Holdings
Cholamandalam Financial Holdings (CHOLAHLDNG) investor relations material
Cholamandalam Financial Holdings Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary9 Feb, 2026
Executive summary
Consolidated revenue for Q3 FY26 rose 17% year-over-year to ₹10,084 Cr, with profit after tax up 27% to ₹1,386 Cr and EPS at ₹33.32, a 29% increase from Q3 FY25.
Year-to-date (YTD) Dec 25 revenue grew 19% to ₹29,056 Cr, and profit after tax increased 14% to ₹3,860 Cr, with EPS up 12% to ₹93.42 compared to YTD Dec 24.
Chola MS reported GDPI of INR 2,067 crore for Q3 and INR 5,714 crore for the nine months ended December 2025, with a significant impact from the loss of crop insurance business due to a retender, reducing GDPI by INR 84 crore for the quarter and INR 467 crore for the nine months.
The company’s principal line, motor insurance, held a 5.25% market share, with 51% in cars, 38% in commercial vehicles, and 11% in two-wheelers; 25% of motor premium came from new vehicles in Q3.
Board approved unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025.
Financial highlights
Vehicle Finance disbursements grew 17% in Q3 FY26 and 11% YTD, with AUM up 17% YoY; PBT rose 14% in Q3 and 8% YTD.
Loan Against Property (LAP) disbursements increased 26% in Q3 and 18% YTD, with AUM up 31% YoY; PBT surged 44% in Q3 and 43% YTD.
Home Loans disbursements rose 10% in Q3 and 1% YTD, AUM up 27% YoY; PBT up 27% in Q3 and 22% YTD.
General Insurance GWP grew 5.8% YTD; PAT declined 29.2% YTD due to higher claims and provisioning.
GWP for Q3 was INR 2,338 crore and INR 6,555 crore for the nine-month period, including reinsurance inward business.
Outlook and guidance
Management expects to return to a normal growth path in the coming year, with the potential to regain crop business through a new three-year tender, which should improve profitability and combined ratio.
Vehicle Finance expects continued positive momentum in HCV, LCV, and passenger vehicles, with stable demand in SCV and modest improvement in construction equipment.
LAP and Home Loans segments are positioned for growth, leveraging strong retail demand and government housing initiatives.
General Insurance sector remains underpenetrated, with long-term growth potential driven by regulatory support and product innovation.
Corrective actions in motor OD and health segments are expected to reduce loss ratios by 3-5% over the next two quarters.
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Next Cholamandalam Financial Holdings earnings date
Q4 25/268 May, 2026
Cholamandalam Financial Holdings
Next Cholamandalam Financial Holdings earnings date
Q4 25/268 May, 2026
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