	C 2012 Mar 31	C 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	6,442	7,724	8,807	9,672	7,964	2,688	8,750	10,689	12,842	13,576	14,188	17,633	24,437	31,482	39,073
Cost of Operating Revenue	2,492	2,662	2,640	2,857	2,916	-	-	-	-	-	-	-	-	-	-
Gross Profit	3,950	5,062	6,167	6,815	5,048	-	-	-	-	-	-	-	-	-	-
Gross Margin	61.3	65.5	70.0	70.5	63.4	-	-	-	-	-	-	-	-	-	-
Total Operating Expenses	4,260	4,648	5,012	5,544	5,139	755	2,044	2,297	2,695	2,703	3,633	4,292	4,810	5,915	9,032
Operating Profit	2,182	3,076	3,795	4,127	2,825	1,933	6,706	8,392	10,147	10,873	10,555	13,341	19,627	25,567	30,041
Operating Margin	33.9	39.8	43.1	42.7	35.5	71.9	76.6	78.5	79.0	80.1	74.4	75.7	80.3	81.2	76.9
Financing Income/(Expense) - Net	-1,029	-1,510	-1,878	-2,063	-961	0	-2,655	-3,587	-4,592	-4,608	-4,328	-5,770	-9,247	-12,426	-14,388
Profit before Taxes	536	674	789	1,003	1,374	295	1,695	2,135	1,806	2,400	3,044	3,824	5,200	6,400	7,326
Income Taxes	184	217	272	320	367	89	569	721	474	636	801	1,006	1,361	1,666	1,848
Profit after Tax	269	289	311	424	1,039	455	550	697	551	825	1,023	1,290	1,773	2,174	2,441
PAT Margin	4.2	3.7	3.5	4.4	13.0	16.9	6.3	6.5	4.3	6.1	7.2	7.3	7.3	6.9	6.2
EPS - Basic - ex Extraordinary Items	14.46	15.47	16.67	22.69	55.49	24.26	29.33	37.13	38.29	43.93	54.50	68.72	94.39	115.76	130.01
EPS - Diluted - ex Extraordinary Items	14.42	15.43	16.64	22.65	55.43	24.24	29.31	37.12	38.29	43.93	54.49	68.72	94.39	115.76	130.01
EBIT	2,182	3,076	3,795	4,127	2,825	1,933	6,706	8,392	10,147	10,873	10,555	13,341	19,627	25,567	30,041
EBITDA	2,283	3,208	3,953	4,298	2,988	1,950	6,776	8,470	10,297	11,018	10,709	13,517	19,875	25,863	30,374
EBITDA Margin	35.4	41.5	44.9	44.4	37.5	72.6	77.4	79.2	80.2	81.2	75.5	76.7	81.3	82.2	77.7

Balance Sheet

Abridged

Understanding Balance Sheet

Cholamandalam Financial Holdings Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	2013 Mar 31	C 2014 Mar 31	R 2015 Mar 31	C 2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	R 2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Total Current Assets	6,190	7,831	9,650	9,992	3,273	-	-	-	-	-	-	-	-	-	-
Long-Term Investments	918	1,282	1,869	2,314	-	-	-	-	-	-	-	-	-	-	-
Property Plant & Equipment - Net	757	1,052	1,150	1,186	1,071	179	194	197	370	336	383	542	1,670	1,905	2,074
Total Non-Current Assets	10,711	15,330	17,709	20,406	-	-	-	-	-	-	-	-	-	-	-
Total Assets	16,900	23,162	27,359	30,398	9,707	41,920	53,407	67,937	75,855	88,616	97,772	1,31,033	1,76,918	2,24,616	2,68,333
Total Current Liabilities	6,961	10,253	11,961	11,274	3,866	-	-	-	-	-	-	-	-	-	-
Long Term Debt	7,573	8,929	10,461	13,219	405	18,747	24,163	31,735	38,037	36,455	41,305	23,646	86,519	1,17,167	2,10,400
Total Non-Current Liabilities	7,893	10,090	12,083	14,693	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	14,853	20,343	24,044	25,967	5,952	36,379	46,818	60,073	66,153	77,257	84,144	1,14,775	1,54,794	1,97,667	2,34,453
Total Shareholders' Equity	1,310	1,659	1,951	2,828	3,324	2,772	3,310	3,944	4,591	5,386	6,446	7,661	10,242	12,515	15,454
Minority Interest	737	1,159	1,364	1,604	431	2,770	3,279	3,921	5,111	5,973	7,183	8,597	11,882	14,434	18,426
Total Equity	2,047	2,818	3,315	4,431	3,755	5,542	6,589	7,864	9,702	11,359	13,629	16,258	22,124	26,949	33,880
Total Liabilities & Equity	16,900	23,162	27,359	30,398	9,707	41,920	53,407	67,937	75,855	88,616	97,772	1,31,033	1,76,918	2,24,616	2,68,333

Cash Flow

Abridged

Understanding Cash Flow Statement

Cholamandalam Financial Holdings Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	R 2012 Mar 31	2013 Mar 31	R 2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	665	762	967	1,093	582	82	1,440	1,503	2,127	2,921	3,223	4,221	5,295	9,591	14,945
Working Capital - Increase/(Decrease)	-3,686	-3,878	-2,645	-2,485	-876	826	-7,742	-10,712	-4,041	-12,640	-8,961	-33,550	-41,022	-43,792	-44,977
Net CF from Operating Activities	-3,022	-3,116	-1,679	-1,392	-294	908	-6,302	-9,209	-1,914	-9,719	-5,738	-29,329	-35,726	-34,201	-30,033
Capital Expenditures - Net	218	288	226	137	174	26	92	93	96	62	135	257	1,161	327	332
Net CF from Investing Activities	-407	-1,056	-816	-900	103	-967	-1,825	-158	-96	-62	-135	-257	-2,625	-1,038	-2,528
Dividends Paid - Cash - Total	92	88	112	108	65	67	98	112	141	58	100	100	103	104	119
Stock - Issuance/(Retirement) - Net	226	311	22	514	4	1	3	7	0	10	24	26	2,009	48	1,468
Debt - LT & ST - Issuance/(Retirement) - Total	3,536	4,326	2,860	1,481	944	-2	8,025	12,211	4,621	8,621	5,213	27,362	36,363	39,708	34,302
Net Cash Flow from Financing Activities	3,667	4,546	2,766	1,847	882	-69	8,287	12,171	2,427	7,688	7,073	27,840	38,269	39,652	35,650
Free Cash Flow to Equity	296	922	956	-48	476	879	1,631	2,909	2,610	-1,160	-661	-2,224	-524	5,180	3,937
Free Operating CF net dividend	-3,333	-3,498	-2,023	-1,705	-536	814	-6,495	-9,418	-2,153	-9,842	-5,977	-29,690	-36,998	-34,647	-30,512
Free Operating CF	-3,241	-3,409	-1,912	-1,598	-471	881	-6,397	-9,305	-2,012	-9,783	-5,877	-29,589	-36,895	-34,543	-30,393

Business Segment Analysis

FY End:

Mar 25

Cholamandalam Financial Holdings Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Financing (76.9%)₹ 25,846.05 CrInsurance (22.8%)₹ 7,677.12 CrOthers (0.3%)₹ 86.20 Cr

Assets

Financing (89.0%)₹ 2,00,720.08 CrInsurance (10.3%)₹ 23,271.73 CrUnallocated (0.6%)₹ 1,367.13 CrOthers (0.0%)₹ 103.82 Cr

Regional Segment Analysis

FY End:

Mar 17

Cholamandalam Financial Holdings Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Assets

India (100.0%)₹ 7,819.06 Cr

Historical Segment Analysis

Track how Cholamandalam Financial Holdings Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2010 Mar 31	2011 Mar 31	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31

Corporate	2	1	6	76	4	-	3
Cycles and assessories	10	6	6	11	8	20	51
Engineering	34	19	93	82	125	87	44
Financing	2	35	32	36	27	31	6
Insurance	10	21	15	24	21	19	15
Metal Formed Products	50	64	68	62	44	41	33
Others	0	0	0	0	0	0	14
Gears and Gear Products	-	-	-	3	5	4	11
Eliminations	-	-	-	-	-	2	-

Frequently Asked Questions

What is the revenue of Cholamandalam Financial Holdings Ltd.?

The latest trailing twelve month revenue of Cholamandalam Financial Holdings Ltd. is ₹ 39,072.70 Cr, reflecting a 1-year growth of 24.11% and a 3-year CAGR of 30.37%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Cholamandalam Financial Holdings Ltd.?

The latest trailing twelve month net profit (PAT) of Cholamandalam Financial Holdings Ltd. is ₹ 2,441.29 Cr, with a 3-year earnings CAGR of 23.68%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Cholamandalam Financial Holdings Ltd.?

The trailing twelve month EBITDA of Cholamandalam Financial Holdings Ltd. is approximately ₹ 30,041.08 Cr (based on an operating margin of 76.89%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Cholamandalam Financial Holdings Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Cholamandalam Financial Holdings Ltd. is 130.01. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Cholamandalam Financial Holdings Ltd.?

The debt-to-equity ratio of Cholamandalam Financial Holdings Ltd. stands at 13.61. The interest coverage ratio is 2.09x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Cholamandalam Financial Holdings Ltd.?

The estimated book value per share of Cholamandalam Financial Holdings Ltd. is 822.47 (derived from a P/B ratio of 2.04 and market price of ₹ 1,673.90), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Cholamandalam Financial Holdings Ltd.?

The trailing twelve month operating cash flow of Cholamandalam Financial Holdings Ltd. is ₹ -30,032.80 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Cholamandalam Financial Holdings Ltd. report consolidated or standalone financials?

Cholamandalam Financial Holdings Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.