CHOLAHLDNG
1 call
Concalls & earnings callsCholamandalam Financial Holdings Limited
Every summarised call, newest first. Latest is Q1 FY27, held 14 Aug 2026.
Latest quarter
Q1 FY27 snapshot
Open full brief →Quarter results were impacted by intense pricing competition in commercial lines and health, elevated motor OD claims, and a large fire loss, leading to a combined ratio of 120.4%.
| Metric | This quarter | Change | Five-quarter trend |
|---|---|---|---|
| Gross Direct Premium Income (GDPI) | ₹1,860 Cr | 2.6% | |
| Gross Written Premium (GWP) | ₹2,130 Cr | 6.7% | |
| Net Earned Premium | ₹1,671 Cr | — | |
| Claims Ratio | 85.6% | — |
Latest guidance
- Benefits of corrective measures on motor OD are expected to become more visible over coming quarters, aiming to bring loss ratio down to start with a '7'.
- Expect greater pricing discipline in property insurance over coming quarters following NATCAT events in June.
- Commercial lines will continue to be a key focus area, with growth through calibrated participation and expanding presence in segments like liability, credit, and cyber.
Said on the Q1 FY27 call.
Filed results
Reported quarterly history
From filed quarterly results. YoY and QoQ compare each metric on the same accounting basis.
| Quarter | Revenue | Net profit (PAT) | Basic EPS |
|---|---|---|---|
| Q3 FY25 | ₹8,489.09 Cr+24.9% YoY+4.9% QoQ | ₹1,092.90 Cr+6.4% YoY-2.9% QoQ | ₹25.89+4.1% YoY-7.5% QoQ |
| Q2 FY25 | ₹8,090.16 Cr+28.4% YoY+6% QoQ | ₹1,125.24 Cr+26.7% YoY-3% QoQ | ₹27.99+24.9% YoY-4.1% QoQ |
| Q1 FY25 | ₹7,632.71 Cr+35.7% YoY+7.8% QoQ | ₹1,159.56 Cr+46.4% YoY+1.4% QoQ | ₹29.20+47.6% YoY+6.9% QoQ |
| Q4 FY24 | ₹7,083.48 Cr+36.6% YoY+4.3% QoQ | ₹1,143.75 Cr+27% YoY+11.4% QoQ | ₹27.32+25.8% YoY+9.8% QoQ |
| Q3 FY24 | ₹6,794.67 Cr+43.8% YoY+7.9% QoQ | ₹1,027.00 Cr+42.6% YoY+15.6% QoQ | ₹24.88+40.6% YoY+11% QoQ |
Call history
- Q1 FY27Cautious tone
Quarter results were impacted by intense pricing competition in commercial lines and health, elevated motor OD claims, and a large fire loss, leading to a combined ratio of 120.4%.
- Gross Direct Premium Income (GDPI)
- ₹1,860 Cr2.6%
- Gross Written Premium (GWP)
- ₹2,130 Cr6.7%