Cholamandalam Investment and Finance Company Share Price Target 2027: Base and Bull Targets Built on FY26 Earnings
- October 9, 2026
- Posted by: Ankit Jaiswal
- Category: Market
Cholamandalam Investment and Finance Company share price Rs 1,575.40 (9 October 2026). Base target Rs 1,854, bull Rs 2,220, downside risk Rs 1,236. PE 22.95. 52W range Rs 1,299.40 to Rs 1,952.50.
Quick Answer
The Cholamandalam Investment and Finance Company share price target for 2027 is Rs 1,854, about 17.7% above the current price of Rs 1,575.40. The bull case is Rs 2,220, and the downside risk level, which is not a target, is Rs 1,236. The base case assumes earnings per share grow 20.0% a year, a cap applied because the FY24 to FY26 pace was 22.7%, with the stock holding its PE of 22.95. These are model-based estimates built from reported financials, not guaranteed outcomes.
Investors weighing a Cholamandalam Investment and Finance Company target price for 2027 should start with where the stock sits today. At Rs 1,575.40 on 9 October 2026, it is 19.3% below its 52-week high of Rs 1,952.50 and 21.2% above its 52-week low of Rs 1,299.40. That range spans 50% from low to high, so the entry point matters as much as the Cholamandalam Investment and Finance Company price forecast itself.
This article builds the Cholamandalam Investment and Finance Company share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario shows its assumptions, so you can see exactly how the Rs 1,854 base case and the Rs 2,220 bull case were reached, along with a downside risk level of Rs 1,236.
Click Here – Get Free Investment Predictions
Cholamandalam Investment and Finance Company Stock Analysis: Company Overview and Key Stats
Cholamandalam Investment and Finance Company (NSE: CHOLAFIN) has a market capitalisation of Rs 1,31,995 crore. In FY26 it reported revenue of Rs 31,539 crore and net profit of Rs 5,229 crore. The table collects the figures the Cholamandalam Investment and Finance Company share price target is built on.
| Metric | Value |
|---|---|
| Company | Cholamandalam Investment and Finance Company |
| NSE Ticker | CHOLAFIN |
| CMP (9 October 2026) | Rs 1,575.40 |
| 52-Week High | Rs 1,952.50 |
| 52-Week Low | Rs 1,299.40 |
| Market Cap | Rs 1,31,995 crore |
| PE Ratio (TTM) | 22.95 |
| Industry PE | 17.72 |
| Price to Book | 4.31 |
| Return on Equity | 17.18% |
| Debt to Equity | 6.93 |
| EPS (TTM) | Rs 67.31 |
| Dividend Yield | 0.13% |
| 12-Month Base Target | Rs 1,854 |
| Bull Case | Rs 2,220 |
| Downside Risk Level (not a target) | Rs 1,236 |
Why Is Cholamandalam Investment and Finance Company Share Price Target Set at Rs 1,854 for 2027?
The base-case Cholamandalam Investment and Finance Company stock target of Rs 1,854 applies a PE multiple of 22.95 to a forward EPS estimate of Rs 80.77. That EPS assumes 20.0% yearly growth, the pace from FY24 to FY26, and puts the target 17.7% above the current price. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.
Earnings Growth Behind the Cholamandalam Investment and Finance Company Target Price: Five Years of Results
Cholamandalam Investment and Finance Company grew revenue from Rs 10,232 crore in FY22 to Rs 31,539 crore in FY26, a compound annual growth rate of 32.5%. Net profit grew more slowly, from Rs 2,159 crore to Rs 5,229 crore (24.8% a year), which points to margin pressure alongside the sales growth.
| Financial Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Dividend per Share (Rs) |
|---|---|---|---|---|
| FY22 | 10,231.81 | 2,158.89 | 26.19 | 2.00 |
| FY23 | 13,105.59 | 2,676.67 | 32.38 | 2.00 |
| FY24 | 19,419.87 | 3,410.74 | 41.06 | 2.00 |
| FY25 | 26,152.56 | 4,260.00 | 50.60 | 2.00 |
| FY26 | 31,538.73 | 5,228.88 | 61.83 | 2.00 |
FY26 revenue growth was 20.6%, slower than the four-year average of 32.5%, and net profit moved up 22.7%. EPS rose from Rs 41.06 in FY24 to Rs 61.83 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.
Margins and the Latest Quarter
Cholamandalam Investment and Finance Company converted 16.6% of FY26 revenue into net profit, against 16.3% in FY25, within a five-year range of 16.3% to 21.1%. EBITDA margin was 68.6% in FY26 versus 70.7% in FY25.
In the June 2026 quarter, revenue was Rs 8,957 crore, up 21.8% from the same quarter a year earlier, while net profit of Rs 1,656 crore was up 45.6%. EBITDA came in at Rs 6,306 crore, up 24.4% year on year. The next quarterly result is the first test of whether the earnings assumption holds.
Balance Sheet and Cash Flow
Debt to equity stands at 6.93, and shareholders’ equity grew from Rs 11,769 crore in FY22 to Rs 30,458 crore in FY26. Operating cash flow in FY26 was negative at Rs 30,021 crore against capital expenditure of Rs 265.11 crore, leaving negative free cash flow of Rs 30,286 crore. In FY25 free cash flow was negative at Rs 32,613 crore.
Valuation Check for the Cholamandalam Investment and Finance Company Stock Target: PE, Price to Book and ROE
At a PE of 22.95 against an industry PE of 17.72, Cholamandalam Investment and Finance Company trades at a premium to its industry. Price to book is 4.31 on a book value of Rs 358.66 per share, and return on equity is 17.18%. A PE of 22.95 equals an earnings yield of 4.4%, and the FY26 dividend of Rs 2.00 per share gives a yield of 0.13%.
Shareholding Pattern and Institutional Holding
Promoters held 49.22% of Cholamandalam Investment and Finance Company in June 2026, and promoter holding fell from 49.90% in June 2025 to 49.22% in June 2026. Foreign institutional investors (FII) held 24.45% and domestic institutions (DII) held 20.62%, which puts total institutional holding at 45.07%. FII holding fell from 27.96% in June 2025 to 24.45% in June 2026. Public shareholders own the remaining 5.70%. A meaningful institutional holding adds a layer of research coverage and trading depth.
Cholamandalam Investment and Finance Company Share Price Targets for the Short Term and 12 Months
Short Term Cholamandalam Investment and Finance Company Stock Target Levels: Technical Setup
At Rs 1,575.40 on 9 October 2026, Cholamandalam Investment and Finance Company trades below its 50-day simple moving average of Rs 1,797.37 and below its 200-day exponential moving average of Rs 1,692.29. The 14-day RSI reads 20.4, which is oversold territory, and the MACD line sits below its signal line. The nearest resistance level is Rs 1,692.29 (200-day exponential moving average) and the nearest support is Rs 1,299.40 (52-week low). A sustained move above Rs 1,692.29 would improve the short-term setup, while a close below Rs 1,299.40 would shift attention to the next support.
12 Month Cholamandalam Investment and Finance Company Target Price for 2027
The 12-month target for Cholamandalam Investment and Finance Company is Rs 1,854: forward EPS of Rs 80.77 at a PE of 22.95. That is 17.7% above Rs 1,575.40. It would still leave the stock 5.0% below its 52-week high of Rs 1,952.50. Anyone checking the Cholamandalam Investment and Finance Company share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.
How EPS Growth and PE Multiple Change the Cholamandalam Investment and Finance Company Target Price
| EPS Growth | PE 18.36 | PE 22.95 | PE 26.39 |
|---|---|---|---|
| 0.0% (EPS Rs 67.31) | Rs 1,236 | Rs 1,545 | Rs 1,776 |
| 20.0% (EPS Rs 80.77) | Rs 1,483 | Rs 1,854 | Rs 2,132 |
| 25.0% (EPS Rs 84.14) | Rs 1,545 | Rs 1,931 | Rs 2,220 |
Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Cholamandalam Investment and Finance Company price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.
Bull Case and Downside Risk for Cholamandalam Investment and Finance Company Stock Target in 2027
Bull Case Rs 2,220
The bull case Cholamandalam Investment and Finance Company price target needs EPS growth of 25.0%, which lifts forward EPS to Rs 84.14, and a PE multiple that rises 15% to 26.39. That gives Rs 2,220, 40.9% above the current price and above the 52-week high of Rs 1,952.50, so the stock would have to set a fresh 52-week high.
Downside Risk Level Rs 1,236
The downside risk level is not a target. It assumes EPS stays flat at Rs 67.31 and the PE falls 20% to 18.36. That gives Rs 1,236, 21.5% below the current price and below the 52-week low of Rs 1,299.40.
| Scenario | EPS Growth | PE Multiple | Price (Rs) | Change vs CMP |
|---|---|---|---|---|
| Bull Case | 25.0% | 26.39 | Rs 2,220 | +40.9% |
| Base Case | 20.0% | 22.95 | Rs 1,854 | +17.7% |
| Downside Risk | 0.0% | 18.36 | Rs 1,236 | -21.5% |
Key Risks to the Cholamandalam Investment and Finance Company Target Price for 2027
Growth Slowdown Risk for the Cholamandalam Investment and Finance Company Price Target
Revenue in the June 2026 quarter was up 21.8% year on year, and FY26 revenue growth was 20.6%. If growth slows from here, the EPS estimate behind the Cholamandalam Investment and Finance Company stock target will need revising.
Liquidity and Size Risk
Cholamandalam Investment and Finance Company has a market capitalisation of Rs 1,31,995 crore. Institutional holding is 45.07%, and promoters hold 49.22%. A company of this size trades with deep liquidity, so entry and exit are rarely a problem, and the larger risk is paying too much for slow earnings growth.
Valuation and Margin Risk
Net margin was 16.6% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 22.95 versus an industry PE of 17.72, a de-rating toward the downside-risk PE of 18.36 would cut the price even if earnings hold.
Market and Technical Risk
The stock trades 19.3% below its 52-week high, with an RSI of 20.4 and a MACD reading below its signal line. Broader market weakness can override company fundamentals in the short term. That applies to any Cholamandalam Investment and Finance Company stock target, however carefully it is built.
How to Invest in Cholamandalam Investment and Finance Company
Start with the live price and volume. Any Cholamandalam Investment and Finance Company share price target is only as current as the data behind it, and the data here is as of 9 October 2026, so refresh the Rs 1,575.40 price before acting on any level.
Next, review the fundamentals yourself. The Univest Screener lets you check Cholamandalam Investment and Finance Company’s PE, ROE, debt and shareholding in one place.
Check Cholamandalam Investment and Finance Company fundamentals on the Univest Screener
Then compare the three Cholamandalam Investment and Finance Company target price scenarios with your own view. If you expect EPS growth below 20.0%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.
Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.
Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.
Download the Univest iOS App or Univest Android App to track Cholamandalam Investment and Finance Company live price and get daily stock recommendations.
Conclusion
The Cholamandalam Investment and Finance Company share price target for 2027 is Rs 1,854 in the base case, with Rs 2,220 as the bull case. The support for that view is arithmetic you can check: EPS grew 22.7% a year over FY24 to FY26, and the stock trades at a PE of 22.95. The risks are equally concrete, including a stock that sits 19.3% below its 52-week high and a downside scenario that cuts the price 22% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Cholamandalam Investment and Finance Company Share Price Target 2027
What is the Cholamandalam Investment and Finance Company share price target for 2027?
Ans. The base-case Cholamandalam Investment and Finance Company share price target for 2027 is Rs 1,854, with Rs 2,220 as the bull case. The downside risk level, which is not a target, is Rs 1,236. These are model estimates from reported earnings and the current PE, not guaranteed outcomes.
What is the Cholamandalam Investment and Finance Company share price today?
Ans. As of 9 October 2026, 12:52 PM IST, Cholamandalam Investment and Finance Company trades at Rs 1,575.40, up 2.03% on the day. The 52-week range is Rs 1,299.40 to Rs 1,952.50.
Is Cholamandalam Investment and Finance Company a buy or sell at the current price?
Ans. The data is mixed rather than one-sided: EPS has grown 22.7% a year over FY24 to FY26, but the stock is 19.3% below its 52-week high. Whether Cholamandalam Investment and Finance Company fits your portfolio depends on your time horizon and risk appetite, so consult a SEBI-registered advisor before investing. This article is not investment advice.
What are the bull case target and downside risk level for Cholamandalam Investment and Finance Company shares?
Ans. The bull case target is Rs 2,220, which assumes 25.0% EPS growth and a PE of 26.39. The downside risk level is Rs 1,236, which assumes flat EPS and a PE of 18.36. It marks a risk, not a target.
What are the main risks to the Cholamandalam Investment and Finance Company price target?
Ans. The main risks are slower revenue growth, a small market capitalisation of Rs 1,31,995 crore, a PE de-rating and short-term weakness in the broader market. Each is covered in the risk section above.
What is the PE ratio of Cholamandalam Investment and Finance Company and how does it compare with the industry?
Ans. The PE ratio of Cholamandalam Investment and Finance Company is 22.95 against an industry PE of 17.72. Price to book is 4.31 and return on equity is 17.18%. The base case in the Cholamandalam Investment and Finance Company price target holds this PE constant.
Who owns Cholamandalam Investment and Finance Company, and what is the promoter holding?
Ans. Promoters held 49.22% of Cholamandalam Investment and Finance Company in June 2026. FII held 24.45%, DII held 20.62% and the public held 5.70%.
What were Cholamandalam Investment and Finance Company’s latest quarterly results?
Ans. In the June 2026 quarter, Cholamandalam Investment and Finance Company reported revenue of Rs 8,957 crore (up 21.8% year on year) and net profit of Rs 1,656 crore (up 45.6%).
