Cholamandalam Investment & Finance Company Ltd's Q3FY25 Quarter Results
- 01 Feb 2025
Result Summary
- Cholamandalam Investment & Finance Company Ltd reported a 8.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3FY25). On a year-on-year (YoY) basis, it witnessed a growth of 35.3%.
- Its expenses for the quarter were up by 7.1% QoQ and 33.0% YoY.
- The net profit increased 12.4% QoQ and increased 24.8% YoY.
- The earnings per share (EPS) of Cholamandalam Investment & Finance Company Ltd stood at 12.9 during Q3FY25.
Financial Statments for Q3FY25
| (₹ crores) | Q3FY25 | Q2FY25 | Q3FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 6836.76 | 6322.34 | 5054.76 | 8.1% | 35.3% |
Total Expenses | 4708.19 | 4394.60 | 3539.42 | 7.1% | 33.0% |
Profit Before Tax | 1464.58 | 1304.21 | 1156.50 | 12.3% | 26.6% |
Tax | 377.44 | 337.08 | 284.37 | 12.0% | 32.7% |
Profit After Tax | 1088.21 | 967.80 | 872.02 | 12.4% | 24.8% |
Earnings Per Share | 12.90 | 11.50 | 10.40 | 12.2% | 24.0% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Cholamandalam Investment & Finance Company Ltd is a prominent player in the financial services sector in India. The company specializes in providing a wide range of financial solutions to individuals and businesses. Primarily, it is known for vehicle finance, home loans, and small and medium-sized enterprise (SME) loans. Cholamandalam operates within the non-banking financial company (NBFC) segment, focusing on catering to the diverse needs of its clientele through its comprehensive suite of financial products. As of the latest information, there are no new major developments provided for this analysis.
Revenue
In the third quarter of fiscal year 2025 (Q3FY25), Cholamandalam Investment & Finance Company Ltd reported a total income of ₹6836.76 crores. This represents an 8.1% increase from the previous quarter (Q2FY25), where the total income was ₹6322.34 crores. Compared to the same quarter in the previous fiscal year (Q3FY24), where the total income was ₹5054.76 crores, there is a significant year-over-year increase of 35.3%. This upward trend in revenue indicates robust growth and enhanced business operations over both the quarter-on-quarter and year-on-year periods.
Profitability
The profitability of Cholamandalam Investment & Finance Company Ltd has shown positive growth in Q3FY25. The company reported a profit before tax of ₹1464.58 crores, which marks a 12.3% increase from the ₹1304.21 crores reported in Q2FY25. On a year-over-year basis, this figure represents a 26.6% rise from the ₹1156.50 crores recorded in Q3FY24. After accounting for taxes, the profit after tax for Q3FY25 stands at ₹1088.21 crores, up by 12.4% from the ₹967.80 crores in the previous quarter and by 24.8% from the ₹872.02 crores in Q3FY24. Earnings per Share (EPS) also increased to ₹12.90, reflecting a 12.2% rise quarter-over-quarter and a 24.0% rise year-over-year.
Operating Metrics
The total expenses for Cholamandalam in Q3FY25 were reported at ₹4708.19 crores, which represents a 7.1% increase from Q2FY25's ₹4394.60 crores and a 33.0% year-over-year increase from Q3FY24's ₹3539.42 crores. The tax expense for the quarter was ₹377.44 crores, up by 12.0% from Q2FY25 and 32.7% from Q3FY24. These figures indicate that while expenses have increased, the company has managed to maintain a healthy growth in its income and profitability. This balance between income and expenses has contributed positively to the overall financial performance for the quarter.
