Cholamandalam Investment and Finance Company Limited (NSE:CHOLAFIN)

NSE:CHOLAFIN Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	261,482	237,477	176,271	120,826	95,674	92,248
Total Interest Expense	136,052	124,747	92,133	57,333	42,786	45,601
Net Interest Income	125,430	112,730	84,138	63,493	52,887	46,647
Commissions and Fees	18,321	17,391	13,421	6,507	4,725	2,694
Other Revenue	5,566	3,592	1,707	1,511	1,010	853.7
Revenue Before Loan Losses	149,317	133,714	99,266	71,511	58,623	50,195
Provision for Loan Losses	30,687	24,943	13,176	8,497	8,803	13,781
Revenue	118,630	108,771	86,090	63,014	49,819	36,414
Revenue Growth (YoY)	19.90%	26.35%	36.62%	26.48%	36.81%	-11.92%
Salaries & Employee Benefits	38,366	33,278	24,786	13,604	9,572	7,910
Cost of Services Provided	652.6	652.6	596	430.8	299.7	228.6
Other Operating Expenses	14,825	15,394	12,899	11,616	9,931	6,806
Total Operating Expenses	56,460	51,772	40,262	26,861	20,809	15,968
Operating Income	62,170	56,998	45,828	36,153	29,010	20,446
Earnings From Equity Investments	34.9	27	93.2	-118.2	-53.8	-5.3
EBT Excluding Unusual Items	62,613	57,434	45,922	36,034	29,023	20,479
Gain (Loss) on Sale of Investments	28.6	28.6	234.3	-	-	-
Pretax Income	62,621	57,442	46,146	36,028	29,022	20,474
Income Tax Expense	16,169	14,815	11,946	9,379	7,487	5,265
Earnings From Continuing Ops.	46,452	42,627	34,201	26,649	21,535	15,209
Net Income	46,452	42,627	34,201	26,649	21,535	15,209
Net Income to Common	46,452	42,627	34,201	26,649	21,535	15,209
Net Income Growth	20.59%	24.64%	28.34%	23.74%	41.60%	44.33%
Shares Outstanding (Basic)	841	840	831	822	821	820
Shares Outstanding (Diluted)	843	842	833	823	822	821
Shares Change (YoY)	0.12%	1.14%	1.22%	0.09%	0.13%	4.19%
EPS (Basic)	55.24	50.72	41.17	32.44	26.24	18.55
EPS (Diluted)	55.11	50.60	41.06	32.38	26.19	18.52
EPS Growth	20.43%	23.23%	26.81%	23.64%	41.41%	38.52%
Free Cash Flow	-256,270	-326,127	-367,591	-272,945	-56,672	-88,811
Free Cash Flow Per Share	-304.06	-387.15	-441.33	-331.68	-68.93	-108.16
Dividend Per Share	2.000	2.000	2.000	2.000	2.000	2.000
Dividend Growth	-	-	-	-	-	17.65%
Operating Margin	52.41%	52.40%	53.23%	57.37%	58.23%	56.15%
Profit Margin	39.16%	39.19%	39.73%	42.29%	43.23%	41.77%
Free Cash Flow Margin	-216.03%	-299.83%	-426.99%	-433.15%	-113.76%	-243.89%
Effective Tax Rate	25.82%	25.79%	25.89%	26.03%	25.80%	25.72%
Revenue as Reported	289,402	261,528	194,199	131,056	102,318	96,397

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.