Cholamandalam Financial Holdings Limited (BOM:504973)

BOM:504973 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	248,798	186,383	129,283	102,549	98,881
Total Interest Expense	124,941	91,928	57,350	42,904	45,810
Net Interest Income	123,858	94,456	71,933	59,645	53,071
Commissions and Fees	19,736	15,670	10,351	8,008	5,362
Gain (Loss) on Sale of Investments	-	234.3	-	-	-
Other Revenue	66,065	55,982	41,825	47,702	44,190
Revenue Before Loan Losses	209,659	166,342	124,110	115,354	102,622
Provision for Loan Losses	24,522	13,136	8,509	8,801	13,771
Revenue	185,136	153,206	115,601	106,553	88,851
Revenue Growth (YoY)	20.84%	32.53%	8.49%	19.92%	0.97%
Salaries & Employee Benefits	37,902	29,942	18,597	13,543	11,896
Cost of Services Provided	42,975	40,047	38,623	45,447	39,050
Other Operating Expenses	37,306	28,796	18,562	16,030	11,325
Total Operating Expenses	121,141	101,260	77,543	76,562	63,726
Operating Income	63,996	51,946	38,058	29,992	25,125
Earnings From Equity Investments	59	120.8	-86.9	-28.7	3.2
EBT Excluding Unusual Items	64,055	52,095	38,056	29,963	25,129
Gain (Loss) on Sale of Investments	-	32.9	107.9	442.9	-1,121
Pretax Income	64,055	52,119	38,157	30,407	24,006
Income Tax Expense	16,656	13,614	10,061	8,013	6,364
Earnings From Continuing Ops.	47,399	38,506	28,096	22,394	17,642
Net Income to Company	47,399	38,506	28,096	22,394	17,642
Minority Interest in Earnings	-25,662	-20,780	-15,194	-12,163	-9,396
Net Income	21,737	17,725	12,902	10,231	8,246
Net Income to Common	21,737	17,725	12,902	10,231	8,246
Net Income Growth	22.63%	37.38%	26.11%	24.06%	49.70%
Shares Outstanding (Basic)	188	188	188	188	188
Shares Outstanding (Diluted)	188	188	188	188	188
Shares Change (YoY)	-0.00%	0.01%	0.00%	0.01%	0.00%
EPS (Basic)	115.76	94.39	68.72	54.50	43.93
EPS (Diluted)	115.76	94.39	68.72	54.49	43.93
EPS Growth	22.64%	37.36%	26.11%	24.04%	49.73%
Free Cash Flow	-345,428	-368,951	-295,895	-58,765	-97,833
Free Cash Flow Per Share	-1839.60	-1964.83	-1575.98	-313.00	-521.12
Dividend Per Share	-	0.550	0.550	0.550	0.550
Dividend Growth	-	-	-	-	-15.38%
Operating Margin	34.57%	33.91%	32.92%	28.15%	28.28%
Profit Margin	11.74%	11.57%	11.16%	9.60%	9.28%
Free Cash Flow Margin	-186.58%	-240.82%	-255.96%	-55.15%	-110.11%
Effective Tax Rate	26.00%	26.12%	26.37%	26.35%	26.51%
Revenue as Reported	334,599	260,868	183,760	-	-

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.