Cholamandalam Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
CHOLAFIN · price
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On the reaction day the stock moved 0.1 pts less than Nifty 100 and 0.7 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Cholamandalam Investment and Finance (Chola) reported its Q1 FY26 results on July 31, 2025. Standalone total revenue from operations rose to Rs 7,244.92 crores from Rs 5,784.71 crores in Q1 FY25 (~25% YoY growth). Profit after tax grew to Rs 1,135.91 crores from Rs 942.23 crores (~21% YoY), with EPS at Rs 13.51 vs Rs 11.51. Total AUM reached Rs 2,07,663 crores, up 23% YoY. The board also approved raising up to Rs 55,000 crores via non-convertible debentures in one or more tranches. Asset quality weakened, with Gross NPA rising to 4.29% (from 3.62% YoY) and net profit margin declining to 15.68% from 16.29%. The joint statutory auditors issued an unmodified review conclusion.
Strong top-line and AUM growth along with a large NCD fundraising plan signal business expansion and are positive for shareholders. However, rising NPAs (Gross NPA up 67 bps YoY), higher impairment costs (~52% jump YoY), and a falling net profit margin are caution flags worth tracking for stock sentiment.