Cholamandalam Investment and Finance Company Limited Earnings Summary — Q4 FY2026

• Net profit saw a robust sequential jump of 27.5%, reaching ₹1,645 Crores in Q4 FY2026.
• Quarterly revenue hit an all-time high of ₹8,417 Crores, representing 19.5% YoY growth.
• Financing margins expanded to 25% from 22% in the previous quarter, indicating better yield management.
• Asset quality remains stable with the tax rate dropping slightly to 23% in the final quarter of the fiscal.
• Total borrowings crossed the ₹2.11 lakh crore mark, reflecting massive scale-up in the lending book.
• Earnings per share (EPS) surged to ₹19.31 for the quarter, the highest in the company's reporting history.

Management remains focused on 'Chola 2.0', emphasizing digital-heavy micro-LAP and consumer loans while leveraging the Murugappa Group's pedigree for low borrowing costs.

Improving

A significant expansion in financing margins and a sharp rebound in net profit growth compared to previous quarters indicates improving operational efficiency.

The outlook remains strong as the company continues to diversify from vehicle finance into higher-yield segments like Home Loans and LAP while maintaining a long-term ROE of approximately 19-20%.