Earnings calls

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Every earnings call for CHOLAFIN — management tone, guidance, KPIs and promise tracking, quarter by quarter.

CHOLAFIN · 7 transcripts · Financial Services · latest Q4 FY26

Q4 FY26Published 04 May 2026Call held 04 May 2026

CHOLAFIN Q4 FY26 Earnings Call Transcript & Analysis

ROE23%AUM₹2,42,630 cr+21% YoY

ROE 23%; AUM ₹242,630 cr (+21% YoY). Aggregate disbursements grew 25% YoY to INR 32,913 crores in Q4 FY26.

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Q3 FY26Published 29 Jan 2026Call held 29 Jan 2026

CHOLAFIN Q3 FY26 Earnings Call Transcript & Analysis

Revenue from Operations₹4,660 cr+29% YoYAdjusted EBITDA₹1,490 cr+23% YoYPAT₹950 crNet Debt₹6,170 cr

Revenue from Operations ₹4,660 cr (+29% YoY); Adjusted EBITDA ₹1,490 cr (+23% YoY); PAT ₹950 cr. Best ever quarterly presales of INR 56 billion, growing 25% YoY.

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Q3 FY26Published 23 Dec 2025Call held 23 Dec 2025

CHOLAFIN Q3 FY26 Earnings Call Transcript & Analysis

Cash and Bank Balances₹14,900 crNet Worth₹26,783 crCapital Adequacy Ratio19.79 percentTier 1 Capital14.53 percentTotal Borrowings₹1,87,000 cr

Cash and Bank Balances ₹14,900 cr; Net Worth ₹26,783 cr; Capital Adequacy Ratio 19.79 percent. Emergency investor call to address malicious and baseless allegations from external agency.

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Q2 FY26Published 23 Dec 2025Call held 31 Oct 2025

CHOLAFIN Q2 FY26 Earnings Call Transcript & Analysis

PAT₹930 crPAT Margin20.3 percentNet Debt₹5,370 cr

PAT ₹930 cr; PAT Margin 20.3 percent; Net Debt ₹5,370 cr. Q2 presales of INR 45.7 billion, up 7% YoY.

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Q1 FY26Published 13 Nov 2025Call held 13 Nov 2025

CHOLAFIN Q1 FY26 Earnings Call Transcript & Analysis

Consolidated Revenue₹1,11,867 crConsolidated EBITDA₹16,585 crNet Debt₹87,040 cr

Consolidated Revenue (H1 FY2026) ₹111,867 cr; Consolidated EBITDA (H1 FY2026) ₹16,585 cr; Net Debt ₹87,040 cr. Strong improvement in EBITDA margin to 15% in H1 FY2026, up 280 bps YoY.

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Q4 FY25Published 28 Apr 2025Call held 28 Apr 2025

CHOLAFIN Q4 FY25 Earnings Call Transcript & Analysis

PAT₹4,259 cr+24% YoYROE22.2%GNPA3.97%

PAT (FY) ₹4,259 cr (+24% YoY); ROE (Q4) 22.2%; GNPA 3.97%. Total AUM grew 30% YoY to INR 1,99,876 crores.

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Q3 FY25Published 31 Jan 2025Call held 31 Jan 2025

CHOLAFIN Q3 FY25 Earnings Call Transcript & Analysis

PAT₹1,087 cr+24% YoYROE19.6%GNPA4%

PAT (Q3) ₹1,087 cr (+24% YoY); ROE (Q3) 19.6%; GNPA 4.0%. Disbursements of ₹25,806 crores, up 15% YoY.

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