Share the post "Cholamandalam Financial Holdings ‘s Q3 2024-25 Latest News: Profit Up by 6.42% Year-on-Year"
Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Sales over the Year and quarter: The company experienced a substantial growth of 24.94 % in the past year, substantial increase in net sales/revenue by 4.93 %. 🔹 Income over the Year and quarter: There has been either a marginal increase or a decline in other income over the past year which is 119.36 %. Marginal increase in other income during this quarter, up by 15.45%. 🔹 Profit over the Year and quarter: Significant improvement in profitability for Cholamandalam Financial Holdings Limited. Notable increase of 6.42 % in net profit Year to Year, Cholamandalam Financial Holdings Limited’s profitability dropped by -2.87 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS increased by 4.06 % Year to Year. EPS decreased by -7.5 % in previous quarter. Analysis needed for shareholder value.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Sales | Rs. 6794.67 Cr | Rs. 8090.16 Cr | Rs. 8489.09 Cr | + 4.93 % | + 24.94 % |
Expenses | Rs. 2978.44 Cr | Rs. 3536.7 Cr | Rs. 3771.57 Cr | + 6.64 % | + 26.63 % |
Operating Profit | Rs. 3816.23 Cr | Rs. 4553.46 Cr | Rs. 4717.52 Cr | + 3.6 % | + 23.62 % |
OPM % | 56.17 % | 56.28 % | 55.57 % | -0.71 % | -0.6 % |
Other Income | Rs. 47.36 Cr | Rs. 89.99 Cr | Rs. 103.89 Cr | + 15.45 % | + 119.36 % |
Interest | Rs. 2445.43 Cr | Rs. 3057.52 Cr | Rs. 3279.72 Cr | + 7.27 % | + 34.12 % |
Depreciation | Rs. 55.24 Cr | Rs. 74.36 Cr | Rs. 72.35 Cr | -2.7 % | + 30.97 % |
Profit before tax | Rs. 1362.92 Cr | Rs. 1511.57 Cr | Rs. 1469.34 Cr | -2.79 % | + 7.81 % |
Tax % | 24.68 % | 25.63 % | 25.75 % | + 0.12 % | + 1.07 % |
Net Profit | Rs. 1027 Cr | Rs. 1125.24 Cr | Rs. 1092.9 Cr | -2.87 % | + 6.42 % |
EPS in Rs | Rs. 24.88 | Rs. 27.99 | Rs. 25.89 | -7.5 % | + 4.06 % |
Today, we’re looking at Cholamandalam Financial Holdings Limited’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year sales growth of 24.94 %. However, it did see a marginal increase of 4.93 % from the previous quarter. Expenses ticked up slightly by 6.64 % quarter-on-quarter, aligning with the annual rise of 26.63 %. Operating profit, while up 23.62 % compared to last year, faced a quarter-on-quarter increase of 3.6 %, signaling a short-term expansion in margins.
The Operating Profit Margin (OPM) % contradicts this narrative, showing weakness on an annual basis with a decrease of -0.6 %, but a shrinkage of -0.71 % sequentially. Other income rose by 15.45 % compared to the last quarter, despite an annual growth of 119.36 %. Interest expenses surged remarkably by 7.27 % from the previous quarter, yet the year-over-year increase remains at a moderate 34.12 %. Depreciation costs fell by -2.7 % quarter-on-quarter, whereas on an annual scale, they saw an increase of 30.97 %. Profit before tax grew annually by 7.81 % but saw a reduction from the preceding quarter by -2.79 %.
Tax expenses as a percentage of profits increased slightly by 1.07 % compared to last year, with a more notable quarter-on-quarter increase of 0.12 %. Net profit rose by 6.42 % year-on-year but witnessed a -2.87 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 4.06 % but a quarterly fall of -7.5 %. In summary, Cholamandalam Financial Holdings Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
---|---|---|---|---|---|
Sales | Rs. 6794.67 Cr | Rs. 8090.16 Cr | Rs. 8489.09 Cr | + 4.93 % | + 24.94 % |
Expenses | Rs. 2978.44 Cr | Rs. 3536.7 Cr | Rs. 3771.57 Cr | + 6.64 % | + 26.63 % |
Operating Profit | Rs. 3816.23 Cr | Rs. 4553.46 Cr | Rs. 4717.52 Cr | + 3.6 % | + 23.62 % |
Net Profit | Rs. 1027 Cr | Rs. 1125.24 Cr | Rs. 1092.9 Cr | -2.87 % | + 6.42 % |
EPS in Rs | Rs. 24.88 | Rs. 27.99 | Rs. 25.89 | -7.5 % | + 4.06 % |
In reviewing Cholamandalam Financial Holdings Limited’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales saw a robust 24.94 % year-on-year growth, however, there was a minor increase of 4.93 % from the previous quarter. Expenses rose by 26.63 % compared to the previous year, with a 6.64 % increase quarter-on-quarter. Operating Profit surged by 23.62 % annually, and saw a 3.6 % increase from the last quarter.
Net Profit showed yearly increase of 6.42 %, and experienced a -2.87 % decrease from the previous quarter. Earnings Per Share (EPS) rose by 4.06 % annually, however dipped by -7.5 % compared to the last quarter. In essence, while Cholamandalam Financial Holdings Limited exhibits strong annual growth indicators, short-term fluctuations suggest the need for agile strategies to navigate market dynamics effectively. That’s all for now in the financial sector.