Cholamandalam Financial Holdings Limited (NSE: CHOLAHLDNG; BSE: 504973) shares closed 1.84% higher on Monday. The stock concluded the trading session on the National Stock Exchange following the filing of consolidated financial results for the quarter ended December 31, 2025.
Market Capitalization
The company’s market capitalization stood at ₹31,452.18 crores ($3.79 billion) at the close of market hours on February 9, 2026.
Latest Quarterly Results
Cholamandalam Financial Holdings reported consolidated revenue from operations of ₹7,842.15 crores for the third quarter of fiscal year 2026, representing a 31.8% increase from ₹5,950.40 crores in the same period of the previous year. Consolidated net profit for the quarter was ₹1,180.22 crores, a 24.1% increase compared to ₹951.02 crores in the corresponding quarter last year.
Segment Performance Highlights:
- Financial Services (Lending): Revenue of ₹6,510.30 crores; assets under management grew 28% year-on-year.
- Insurance: Gross Written Premium (GWP) reached ₹2,140 crores, an increase of 14% year-on-year.
- Risk Management: Revenue contribution of ₹42.10 crores.
Full Year Results Context
For the nine-month period ended December 31, 2025, consolidated revenue reached ₹21,450 crores, showing a directional trend of growth compared to the previous fiscal year. Total profit after tax for the nine-month period stood at ₹3,210.45 crores, maintaining stability in margins across the lending and insurance verticals.
Financial Trends
Business & Operations Update
The company’s lending subsidiary reported the expansion of its physical branch network by 45 new locations during the quarter. The insurance arm, Chola MS, received regulatory clearance for two new health insurance product categories. Operational restructuring within the risk management segment was completed in December to align with updated compliance frameworks.
M&A or Strategic Moves
No new mergers or acquisitions were announced during the reporting period. The company maintains its current equity stake in its primary subsidiaries, Cholamandalam Investment and Finance Company and Chola MS General Insurance.
Equity Analyst Commentary
Institutional research reports attribute the quarterly performance to consistent credit growth in the vehicle finance segment. Reports from Motilal Oswal and Emkay Global note the stabilization of the combined ratio in the insurance business. Attribution is provided to the management’s focus on maintaining net interest margins amidst changing benchmark rates.
Guidance & Outlook
Management has indicated a focus on digital integration within the insurance segment for the upcoming fiscal year. Market participants are monitoring the impact of domestic interest rate cycles on the lending subsidiary’s borrowing costs. Industry context suggests a steady demand for commercial vehicle financing in the fourth quarter.
Performance Summary
Cholamandalam Financial Holdings shares ended 1.84% higher. Quarterly revenue rose 31.8% to ₹7,842.15 crores, while profit increased 24.1%. Lending assets and insurance premiums showed year-on-year growth. The nine-month trend indicates stability in consolidated profitability.