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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Cholamandalam Financial Holdings
Cholamandalam Financial Holdings (CHOLAHLDNG) investor relations material
Cholamandalam Financial Holdings Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary6 Nov, 2026
Executive summary
Q2 FY27 consolidated total income was ₹11,388.41 Cr, up 19% YoY, and PAT was ₹1,520.11 Cr, up 25%; H1 total income was ₹22,571.75 Cr and PAT ₹3,309.10 Cr.
Financing growth supported earnings, while general-insurance results were pressured by NatCat losses and elevated motor claims.
Financial highlights
Q2 consolidated EPS was ₹34.22 versus ₹29.28 YoY; H1 EPS was ₹77.14 versus ₹60.09.
Financing segment PBT was ₹2,187.05 Cr in Q2 and ₹4,409.12 Cr in H1; insurance segment recorded a Q2 loss of ₹169.09 Cr and H1 result of ₹3.50 Cr.
General-insurance H1 PAT was ₹78 Cr versus ₹198 Cr a year earlier; H1 PAT was ₹116 Cr excluding the 1/n premium impact.
H1 NatCat losses were ₹71.2 Cr, including ₹58.3 Cr in Q2; a large risk added a further ₹14 Cr impact.
Segment performance
Vehicle-finance Q2 disbursements rose 31% YoY to ₹17,801 Cr and H1 disbursements rose 26% to ₹34,304 Cr; AUM grew 21%.
LAP Q2 disbursements rose 39% to ₹6,438 Cr and H1 rose 20% to ₹11,218 Cr; AUM grew 24%.
Home-loan disbursements rose 43% in Q2 to ₹2,426 Cr and 22% in H1 to ₹4,223 Cr; AUM grew 24%.
General-insurance GWP was ₹2,386 Cr in Q2 and ₹4,517 Cr in H1, excluding the 1/n premium impact; reported GWP was ₹2,429 Cr and ₹4,618 Cr, respectively.
H1 risk-services revenue was ₹51.18 Cr versus ₹43.33 Cr; PAT was ₹1.79 Cr versus ₹2.68 Cr.
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Latest events from Cholamandalam Financial Holdings
- All core segments rebounded as EBITDA more than doubled, alongside major acquisitions and expansion.CHOLAHLDNG
Q4 09/10 - Record FY11 operating performance sets up a capacity-led next growth phase.CHOLAHLDNGQ4 10/11
- Consolidated profit advanced despite standalone earnings pressure and costly expansion.CHOLAHLDNGQ4 13/14
- Standalone profit weakened, while subsidiaries and acquisitions lifted consolidated earnings.CHOLAHLDNGQ4 12/13
- Turnover advanced 17%, but input costs and financing restrained profit growth amid major capacity investment.CHOLAHLDNGQ4 11/12
- Consolidated PAT grew 36% as expansion costs restrained standalone pre-exceptional profit.CHOLAHLDNGQ4 14/15
- One-off insurance-sale gains lifted FY16 earnings as record bicycle sales led operations.CHOLAHLDNGQ4 15/16
- Demerger recast the portfolio around financial services, with investees delivering strong FY17 growth.CHOLAHLDNGQ4 16/17
- Demerger reshaped the portfolio as lending and insurance growth lifted FY18 profit.CHOLAHLDNGQ4 17/18
Next Cholamandalam Financial Holdings earnings date
Q3 26/278 Feb, 2027
Cholamandalam Financial Holdings
Next Cholamandalam Financial Holdings earnings date
Q3 26/278 Feb, 2027
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