Cholamandalam Financial Holdings Ltd (BOM:504973)

Q4 2025 Cholamandalam Financial Holdings Ltd Earnings Call Transcript

May 9, 2025 / 11:30 AM GMT

Release Date Price: ₹1716.3 (-6.01%)

Transcript

Key Points

Positve

Cholamandalam Financial Holdings Ltd (BOM:504973) recorded a gross direct premium of INR 2,029 crore for the quarter, showcasing strong performance in the long-term non-motor business.
The company achieved a growth rate of 1.5 times the industry growth on a one-by-one GDPI basis and 1.6 times on a full GDPI basis.
Cholamandalam Financial Holdings Ltd expanded its distribution network by entering new OEM relationships and large financial partnerships, enhancing its market reach.
The company added over 5.2 million customers during the year, indicating successful customer acquisition strategies.
The investment corpus crossed the INR 18,000 crore mark, with a notable recovery of INR 54 crore from previously written-off investments, boosting financial stability.

Negative

The combined ratio for the quarter was elevated at 109.3%, indicating higher operational costs relative to premiums earned.
The company's expense of management stood at 33.14%, which, although lower than the previous year, still reflects significant operational expenses.
The claims ratio for the year was 73.3%, only slightly lower than the previous year's 73.7%, suggesting persistent challenges in managing claims efficiently.
The company faces uncertainty regarding the timing of potential motor third-party price revisions, which could impact future profitability.
Despite efforts to reduce the combined ratio, it remains elevated, and achieving significant reductions may be challenging without external factors such as regulatory changes.

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

CHOL.NS - Cholamandalam Financial Holdings Ltd
Q4 2025 Cholamandalam Financial Holdings Ltd Earnings Call
May 09, 2025 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Chola Mandela Financial Holdings Limited, Q4525 earnings conference call hosted by Dan Capital Advisors. As a reminder, all participant lines will be in the listen-only mood, 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 and 0 on a touchtone phone. Please note that this conference has been recorded. I now hand the conference over to Mr.

Pala.

Thank you and over to you, sir.

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Unidentified_2 [2]
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