Cholamandalam Investment and Finance Q4 Results 2026: Date, Revenue, PAT & Analyst Outlook

Thu Apr 16 2026

Cholamandalam Investment and Finance (NSE: CHOLAFIN) Q4 FY26 results are scheduled for May 10, 2026. Trading at Rs 1,380 as of April 2026 — down -23% from its 52-week high of Rs 1,800 — the stock has been on investors’ watchlist ahead of what could be a pivotal quarterly result. This article covers the confirmed results date, analyst consensus estimates, five performance factors, five risks, analyst ratings, and share price outlook for Cholamandalam Investment and Finance.

Q4 (January-March 2026) is the year’s final quarter, bringing full-year FY26 results, management’s FY27 guidance, and the final dividend recommendation — all from a single board meeting on May 10, 2026.

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Table of Contents

Cholamandalam Investment and Finance Q4 Results 2026 Date

Cholamandalam Investment and Finance Q4 FY26 results date is May 10, 2026.

Company	Q4 Results Date	Key Metric to Watch
[object Object]	April 9, 2026	FY27 guidance, deal TCV
[object Object]	April 23, 2026	CC growth guidance
Bharti Airtel	April 29, 2026	ARPU, 5G subscribers
Cipla	May 8, 2026	US generics, biosimilars
Cholamandalam Investment and Finance	May 10, 2026	See estimates below

Why Q4 FY26 Matters

Q4 FY26 is the final quarter of FY2025-26. Cholamandalam Investment and Finance’s board on May 10, 2026 will approve the full-year FY26 results, consider a final dividend recommendation, and provide the first formal commentary on FY27 business outlook — making this the single most important results event of the year.

Cholamandalam Investment and Finance Q4 FY26 Earnings Estimates

Cholamandalam Investment and Finance Q4 FY26 analyst estimates — Revenue, PAT, Margin

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Metric	Q4 FY26 Estimate	Q3 FY26 Actual	Trend
Revenue	Rs 6,200 Cr	Rs 5,636 Cr	Sequential recovery expected
Net Profit (PAT)	Rs 985 Cr	Rs 896 Cr	Normalisation expected
Margin	NIM 7.5%	Q3 FY26 level	Improvement target
Volume / Growth	+20% AUM YoY	Prior quarter	YoY comparison
Final Dividend	Rs 1.30	FY26 interim divs	Board decision

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5 Key Factors Driving Cholamandalam Investment and Finance Q4 FY26 Performance

1. Vehicle / Home Finance NBFC Sector Demand Trends

Cholamandalam Investment and Finance’s core Vehicle / Home Finance NBFC business is tracking the broader sector recovery in Q4 FY26. +20% AUM YoY trajectory is supported by seasonal demand patterns and end-market growth.

2. Q4 Peak Season Dynamics

Q4 (January-March) is typically a seasonally stronger quarter for most sectors as year-end procurement, construction activity, and consumer buying peak before the monsoon transition.

3. Operating Leverage at Scale

Revenue growth above fixed cost base growth translates to EBITDA margin improvement as the business scales. Q4 volume improvement is the primary operating leverage driver.

4. Management Guidance for FY27

Q4 FY26 results will include management’s first formal commentary on FY27 revenue and margin outlook, which will set the investment narrative for the next 12 months.

5. Balance Sheet and Debt Management

Cash flow generation in Q4 (typically the strongest quarter) supports debt reduction or reinvestment in capacity expansion for FY27.

5 Risks to Watch in Cholamandalam Investment and Finance Q4 FY26

Risk 1: Vehicle / Home Finance NBFC Sector Risk

Sector headwinds including input cost pressure, demand cyclicality, and competition could impact Q4 performance.

Risk 2: Revenue Concentration

Customer or geographic concentration creates variance risk.

Risk 3: Regulatory Environment

Policy and regulatory changes in the sector can create compliance or revenue risks.

Risk 4: Working Capital Management

Efficient working capital management determines free cash flow quality in Q4.

Risk 5: Macroeconomic Sensitivity

Global and domestic macroeconomic conditions affect end-market demand.

Cholamandalam Investment and Finance Share Price and Analyst Ratings

Parameter	Value
CMP (April 2026)	Rs 1,380
52-Week High	Rs 1,800
52-Week Low	Rs 1,100
1-Year Return	-23%
Market Cap	Rs 1.1L Cr
NSE Ticker	CHOLAFIN
Sector	Vehicle / Home Finance NBFC

Brokerage	Rating	Target Price	Investment Thesis
Motilal Oswal	BUY	Rs 1,766	Recovery potential; Q4 beat expected
YES Securities	ADD	Rs 1,628	Sector tailwinds intact
Kotak Inst.	NEUTRAL	Rs 1,490	Fair valued; execution key

Conclusion

Cholamandalam Investment and Finance Q4 FY26 results on May 10, 2026 will reflect Vehicle / Home Finance NBFC sector performance in the January-March 2026 quarter. Revenue above Rs 6,200 Cr with NIM 7.5% would constitute a beat. The +20% AUM YoY trajectory and management FY27 guidance are the primary catalysts for re-rating. At Rs 1,380 — down -23% from its 52-week high of Rs 1,800 — the stock offers a more reasonable entry point than earlier in the year.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE/BSE filings. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.

For more Q4 FY26 results previews, visit Univest Blogs.

Frequently Asked Questions

Q: When is Cholamandalam Investment and Finance Q4 results 2026 date?

Cholamandalam Investment and Finance Q4 FY26 results date is May 10, 2026. The board of directors will approve the quarter and full-year FY26 results and consider recommending a final dividend for FY26 shareholders.

Q: What is Cholamandalam Investment and Finance Q4 FY26 revenue estimate?

Analyst consensus estimate for Cholamandalam Investment and Finance Q4 FY26 revenue is Rs 6,200 Cr. Q3 FY26 actual revenue was Rs 5,636 Cr. Actual Q4 results may differ based on operating conditions.

Q: What is Cholamandalam Investment and Finance Q4 FY26 PAT estimate?

Analyst consensus estimate for Cholamandalam Investment and Finance Q4 FY26 net profit (PAT) is Rs 985 Cr. Q3 FY26 actual PAT was Rs 896 Cr.

Q: Will Cholamandalam Investment and Finance declare a dividend in Q4 FY26?

Cholamandalam Investment and Finance is expected to declare Rs 1.30 for FY26, subject to board approval on May 10, 2026 and shareholder approval at the AGM.

Q: What is Cholamandalam Investment and Finance’s current share price?

Cholamandalam Investment and Finance is trading at Rs 1,380 as of April 2026, with a 52-week range of Rs 1,100 to Rs 1,800. The 1-year return is -23%.

Q: What were Cholamandalam Investment and Finance Q3 FY26 results?

In Q3 FY26, Cholamandalam Investment and Finance reported revenue of Rs 5,636 Cr and PAT of Rs 896 Cr. Q4 FY26 on May 10, 2026 provides the year-end comparison.

Q: When do TCS and Infosys announce Q4 results 2026?

TCS declared Q4 FY26 results on April 9, 2026. Infosys is scheduled for April 23, 2026. Both are covered on Univest Blogs.

Q: Is Cholamandalam Investment and Finance a good investment ahead of Q4 results?

This article does not constitute investment advice. Cholamandalam Investment and Finance trades at Rs 1,380 — down -23% from its peak. Consult a SEBI-registered advisor before investing.