Cholamandalam Investment and Finance Company Ltd. Q4 FY2025 results: revenue ₹7,046 crore, up 29.8% on the year
Cholamandalam Investment and Finance Company Ltd. (CHOLAFIN) reported consolidated revenue from operations of ₹7,046 crore for Q4 FY2025, the quarter ended 31 March 2025, up 29.8% on the same quarter a year earlier. Profit after tax was ₹1,260 crore, up 18.2% on the year, and earnings per share ₹14.98. The figures are the company's own, from the audited results it filed with NSE on 25 April 2025.
The quarter, against the one before and a year earlier
| Line | Q4 FY2025 | Q3 FY2025 | Q4 FY2024 | Change on the year |
|---|---|---|---|---|
| Revenue from operations | 7,046 | 6,733 | 5,428 | +29.8% |
| Other income | 91 | 104 | 72 | +27.6% |
| Total income | 7,137 | 6,837 | 5,499 | +29.8% |
| Cost of materials consumed | 0 | 0 | 0 | n/a |
| Purchases of stock-in-trade | 0 | 0 | 0 | n/a |
| Changes in inventories | 0 | 0 | 0 | n/a |
| Employee benefit expense | 934 | 893 | 775 | +20.5% |
| Finance costs | 3,365 | 3,275 | 2,579 | +30.4% |
| Depreciation, depletion and amortisation | 64 | 59 | 75 | -14.8% |
| Other expenses | 451 | 481 | 455 | -0.9% |
| Total expenses | 5,439 | 5,372 | 4,071 | +33.6% |
| Profit before exceptional items and tax | 1,698 | 1,465 | 1,428 | +18.9% |
| Exceptional items | 0 | 0 | 0 | n/a |
| Profit before tax | 1,698 | 1,465 | 1,428 | +18.9% |
| Current tax | 512 | 471 | 263 | +94.6% |
| Deferred tax | -73 | -94 | 116 | n/a |
| Total tax | 439 | 377 | 379 | +15.9% |
| Profit after tax | 1,260 | 1,088 | 1,065 | +18.2% |
| Attributable to owners of the parent | 1,260 | 1,088 | 1,065 | +18.2% |
| Other comprehensive income | -149 | 101 | -17 | n/a |
| Total comprehensive income | 1,111 | 1,189 | 1,048 | +6.0% |
| EPS, basic | n/a | ₹12.95 | ₹12.68 | n/a |
| EPS, diluted | n/a | ₹12.91 | ₹12.65 | n/a |
₹ crore except per share.
Leverage, as the company states it
| Line | Q4 FY2025 | Q3 FY2025 | Q4 FY2024 | Change on the year |
|---|---|---|---|---|
| Debt to equity | 0.07 | n/a | n/a | |
| Debt service coverage | 0.00 | n/a | n/a | |
| Interest service coverage | 0.00 | n/a | n/a |
Debt to equity, debt service coverage and interest service coverage are the figures the company prints in its result statement under the listing regulations.
Segments, Q4 FY2025
| Segment | Revenue ₹ crore | Share of segment revenue | Result ₹ crore | Result over revenue |
|---|---|---|---|---|
| Vehicle Finance | 3,800 | 53.2% | 905 | 23.8% |
| Loan against property | 1,307 | 18.3% | 443 | 33.9% |
| Home Loans | 700 | 9.8% | 195 | 27.8% |
| Others | 1,091 | 15.3% | 117 | 10.7% |
| Unallocated | 239 | 3.3% | 39 | 16.5% |
Segment revenue and segment result as the company filed them, before inter-segment eliminations; share and result over revenue are arithmetic on those.
Balance sheet at 31 March 2025
| Q4 FY2025 | |
|---|---|
| Equity capital | 168 |
| Reserves | 23,500 |
| Equity, owners of the parent | 23,669 |
| Non-controlling interest | 0 |
| Total liabilities | 1,78,218 |
| Fixed assets | 1,754 |
| Capital work in progress | 4 |
| Goodwill and intangibles | 26 |
| Investments | 6,367 |
| Inventories | 0 |
| Cash and bank balances | 5,280 |
| Total assets | 2,01,887 |
From the statement of assets and liabilities in this filing. Borrowings, investments and cash each add the current and non-current lines as filed.
Cash flow, year to 31 March 2025
| Q4 FY2025 | |
|---|---|
| Cash from operating activities | -32,413 |
| Purchase of fixed assets | 200 |
| Free cash flow | -32,613 |
| Cash from investing activities | -2,948 |
| Borrowings raised | 1,37,086 |
| Borrowings repaid | 1,20,702 |
| Buyback | 0 |
| Cash from financing activities | 39,795 |
| Net change in cash | 4,434 |
From the cash flow statement in this filing, for the fiscal year to this date. Free cash flow is cash from operations less the purchase of fixed assets, arithmetic on the two filed lines.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,623 | 5,007 | 5,428 | 5,812 | 6,255 | 6,733 | 7,046 | 7,267 | 7,491 | 7,898 | 8,417 | 8,856 |
| Expenses | 3,630 | 3,898 | 4,071 | 4,582 | 5,018 | 5,372 | 5,439 | 5,822 | 6,049 | 6,274 | 6,422 | 6,735 |
| Operating profit | 3,235 | 3,596 | 4,011 | 4,085 | 4,358 | 4,695 | 5,036 | 4,980 | 5,031 | 5,344 | 5,820 | 6,204 |
| OPM % | 70% | 72% | 74% | 70% | 70% | 70% | 71% | 69% | 67% | 68% | 69% | 70% |
| Other income | 73 | 47 | 72 | 44 | 67 | 104 | 91 | 86 | 122 | 110 | 147 | 100 |
| Interest | 2,204 | 2,441 | 2,579 | 2,796 | 3,059 | 3,275 | 3,365 | 3,468 | 3,517 | 3,646 | 3,753 | 4,007 |
| Depreciation | 39 | 46 | 75 | 59 | 63 | 59 | 64 | 67 | 71 | 74 | 72 | 75 |
| Exceptional items | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,065 | 1,156 | 1,428 | 1,275 | 1,304 | 1,465 | 1,698 | 1,531 | 1,565 | 1,735 | 2,142 | 2,222 |
| Tax % | 27% | 25% | 27% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 23% | 26% |
| Net profit | 773 | 872 | 1,065 | 947 | 968 | 1,088 | 1,260 | 1,138 | 1,160 | 1,290 | 1,645 | 1,656 |
| EPS in ₹ | ₹9.40 | ₹10.40 | ₹12.68 | ₹11.27 | ₹11.52 | ₹12.95 | ₹14.98 | ₹13.53 | ₹13.78 | ₹15.29 | ₹19.33 | ₹19.43 |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Operating profit is sales less the expenses other than interest and depreciation, OPM is that over sales, and tax % is tax over profit before tax: arithmetic on the filed lines; everything else is as filed. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Audited consolidated results for the quarter ended 31 March 2025, filed with NSE on 25 April 2025: the result statement. All of Cholamandalam Investment and Finance Company Ltd.'s results: NSE company page.
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