Cholamandalam Financial Holdings Ltd (BOM:504973)

Q3 2025 Cholamandalam Financial Holdings Ltd Earnings Call Transcript

Feb 7, 2025 / 10:30 AM GMT

Release Date Price: ₹1474.8 (-1.41%)

Transcript

Key Points

Positve

Cholamandalam Financial Holdings Ltd (BOM:504973) reported a 15% increase in disbursements for the quarter, indicating strong growth momentum.
The company's total assets under management (AUM) grew by 34% year-on-year, reflecting robust business expansion.
Net income for the quarter rose by 37% year-on-year, showcasing improved profitability.
The company maintains a strong liquidity position with a cash balance of 15,159 crores at the end of December 2024.
Cholamandalam Financial Holdings Ltd (BOM:504973) declared an interim dividend of 65%, indicating confidence in its financial health and commitment to shareholder returns.

Negative

Asset quality concerns were highlighted with stage three levels increasing to 2.91% as of December 2024 from 2.83% in September 2024.
Gross Non-Performing Assets (GNPA) increased to 4% from 3.78%, indicating rising stress in the loan portfolio.
The company is experiencing elevated credit costs, particularly in vehicle finance and new business segments.
There is a noted deterioration in asset quality in newer business segments, which could impact future profitability.
Operational expenses have increased, partly due to higher collection efforts, which may pressure margins in the short term.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CHOL.NS - Cholamandalam Financial Holdings Ltd
Q3 2025 Cholamandalam Financial Holdings Ltd Earnings Call
Feb 07, 2025 / 10:30AM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Ladies and gentlemen, good day. And welcome to Q3 F 525 earnings conference call of Chula Mandela Investment and Finance Company Limited hosted by KTE Securities Limited.

As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call? Please signal an operator by pressing star then zero on your touchtone phone.

Please note that this call is being recorded.

I now hand the conference over to Mr Nishine Sate from Kotak Securities. Thank you and over to you.

-----------------------------------------------------

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.