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Cholamandalam Financial Holdings (CHOLAHLDNG) investor relations material
Cholamandalam Financial Holdings Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary7 Nov, 2025
Executive summary
Consolidated revenue for Q2 FY26 rose 17% YoY to ₹9,589 Cr, with PAT up 8% to ₹1,214 Cr and EPS at ₹29.28; H1 FY26 revenue was ₹18,972 Cr, PAT ₹2,474 Cr, and EPS ₹60.09.
Board approved unaudited standalone and consolidated results for the quarter and half year ended September 30, 2025.
Group maintains a diversified presence across agriculture, engineering, and financial services, with a market cap of $51.9B as of September 2025.
Assets under management grew 21% YoY to ₹2,14,906 Cr as of September 30, 2025.
Insurance premium growth moderated due to loss of crop business and market effects.
Financial highlights
Vehicle Finance disbursements grew 10% in Q2 FY26 and 8% in H1 FY26 YoY; AUM up 17% YoY.
Loan Against Property disbursements up 8% in Q2 FY26 and 14% in H1 FY26; AUM up 33% YoY.
Home Loans AUM up 28% YoY, with PBT up 28% in Q2 FY26 and 20% in H1 FY26.
General Insurance GWP for H1 FY26 at ₹4,217 Cr, up 2% YoY; solvency ratio at 2.11x.
Standalone Q2 FY26 total income: ₹30.07 Cr; PAT: ₹27.16 Cr.
Outlook and guidance
Growth in Vehicle Finance expected to continue, supported by infrastructure spending and rural demand.
LAP and Home Loans to expand in tier 3/4 markets and affordable housing, leveraging government initiatives.
General Insurance sector remains underpenetrated, with long-term growth potential from regulatory support and product innovation.
Board approved reclassification of a promoter group entity to public shareholder, subject to regulatory approval.
Path to 105% combined ratio
Investment strategy: long-term risk-return
Reinsurance accepted: sustainable role
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Next Cholamandalam Financial Holdings earnings date
Q3 25/266 Feb, 2026
Next Cholamandalam Financial Holdings earnings date
Q3 25/266 Feb, 2026
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