Cholamandalam Financial Holdings Limited (NSE:CHOLAHLDNG)

NSE:CHOLAHLDNG 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	273,442	248,798	186,383	129,283	102,549	98,881
Total Interest Expense	135,584	124,268	91,928	57,350	42,904	45,810
Net Interest Income	137,858	124,531	94,456	71,933	59,645	53,071
Commissions and Fees	20,850	19,736	15,670	10,351	8,008	5,362
Gain (Loss) on Sale of Investments	27.6	27.6	234.3	-	-	-
Other Revenue	69,340	62,720	55,982	41,825	47,702	44,190
Revenue Before Loan Losses	228,076	207,013	166,342	124,110	115,354	102,622
Provision for Loan Losses	30,652	24,897	13,136	8,509	8,801	13,771
Revenue	197,425	182,116	153,206	115,601	106,553	88,851
Revenue Growth (YoY)	15.18%	18.87%	32.53%	8.49%	19.92%	0.97%
Salaries & Employee Benefits	43,013	37,902	29,942	18,597	13,543	11,896
Cost of Services Provided	51,807	44,386	40,047	38,623	45,447	39,050
Other Operating Expenses	33,972	33,910	28,796	18,562	16,030	11,325
Total Operating Expenses	131,919	119,155	101,260	77,543	76,562	63,726
Operating Income	65,505	62,961	51,946	38,058	29,992	25,125
Earnings From Equity Investments	75.2	59	120.8	-86.9	-28.7	3.2
EBT Excluding Unusual Items	66,102	63,541	52,095	38,056	29,963	25,129
Gain (Loss) on Sale of Investments	533.3	533.3	32.9	107.9	442.9	-1,121
Pretax Income	66,615	64,055	52,119	38,157	30,407	24,006
Income Tax Expense	17,327	16,656	13,614	10,061	8,013	6,364
Earnings From Continuing Ops.	49,289	47,399	38,506	28,096	22,394	17,642
Net Income to Company	49,289	47,399	38,506	28,096	22,394	17,642
Minority Interest in Earnings	-27,007	-25,662	-20,780	-15,194	-12,163	-9,396
Net Income	22,282	21,737	17,725	12,902	10,231	8,246
Net Income to Common	22,282	21,737	17,725	12,902	10,231	8,246
Net Income Growth	8.48%	22.63%	37.38%	26.11%	24.06%	49.70%
Shares Outstanding (Basic)	188	188	188	188	188	188
Shares Outstanding (Diluted)	188	188	188	188	188	188
Shares Change (YoY)	-0.00%	-	0.01%	0.00%	0.01%	0.00%
EPS (Basic)	118.66	115.76	94.39	68.72	54.50	43.93
EPS (Diluted)	118.66	115.76	94.39	68.72	54.49	43.93
EPS Growth	8.48%	22.64%	37.36%	26.11%	24.04%	49.73%
Free Cash Flow	-268,874	-345,428	-368,951	-295,895	-58,765	-97,833
Free Cash Flow Per Share	-1431.83	-1839.56	-1964.83	-1575.98	-313.00	-521.12
Dividend Per Share	-	1.300	0.550	0.550	0.550	0.550
Dividend Growth	-	136.36%	-	-	-	-15.38%
Operating Margin	33.18%	34.57%	33.91%	32.92%	28.15%	28.28%
Profit Margin	11.29%	11.94%	11.57%	11.16%	9.60%	9.28%
Free Cash Flow Margin	-136.19%	-189.67%	-240.82%	-255.96%	-55.15%	-110.11%
Effective Tax Rate	26.01%	26.00%	26.12%	26.37%	26.35%	26.51%
Revenue as Reported	365,745	334,599	260,868	183,760	-	-

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