Cholamandalam Investment and Finance Company Share Price Prediction 2027: Scenario Targets, Valuation and Technical Outlook
- October 9, 2026
- Posted by: Neeraj Pandey
- Category: Market
CMP Rs 1,585.50 (9 Oct 2026). 52W range Rs 1,299.40 to Rs 1,952.50. PE 22.95. 2027 base Rs 1,903, bull Rs 1,965.
Quick Answer
Cholamandalam Investment and Finance Company share price prediction 2027 centres on a conservative case of Rs 1,823, a base case of Rs 1,903 and a bull case of Rs 1,965, against a current price of Rs 1,585.50. These targets scale today’s price by reported EPS growth at a constant PE multiple, so they rest on earnings the company has already delivered, not on broker forecasts. The base case implies 20.0% upside from today’s price. The daily technical setup reads bearish.
The Cholamandalam Investment and Finance Company share price forecast comes down to earnings growth and the multiple investors pay for it, and the reported numbers give a measured answer. The stock trades at Rs 1,585.50 on NSE as of 9 October 2026, 18.8% below its 52-week high of Rs 1,952.50, after the company reported net profit of Rs 5,228.88 crore for FY26.
This Cholamandalam Investment and Finance Company stock forecast 2027 builds conservative, base and bull scenarios from exchange-reported financials, shareholding data and daily price indicators, with every assumption shown.
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Cholamandalam Investment and Finance Company Share Price Today and Key Data
The Cholamandalam Investment and Finance Company share price today is Rs 1,585.50 on NSE, up 2.69% on the day. The market capitalisation stands at Rs 1,31,995 crore. Over the past year the price has fallen 2.2% from Rs 1,621.40. Every Cholamandalam Investment and Finance Company stock forecast figure below starts from this price.
| Metric | Value |
|---|---|
| Company | Cholamandalam Investment and Finance Company (CHOLAFIN) |
| Current Price | Rs 1,585.50 |
| 52-Week High | Rs 1,952.50 (6 August 2026) |
| 52-Week Low | Rs 1,299.40 (2 April 2026) |
| Market Cap | Rs 1,31,995 crore |
| PE Ratio | 22.95 |
| Industry PE | 17.72 |
| PB Ratio | 4.31 |
| EPS (TTM) | Rs 67.31 |
| Return on Equity | 17.18% |
| Debt to Equity | 6.93 |
| Dividend Yield | 0.13% |
| Book Value per Share | Rs 358.66 |
What Is the Cholamandalam Investment and Finance Company Share Price Prediction for 2027?
The Cholamandalam Investment and Finance Company share price prediction for 2027 is a conservative case of Rs 1,823, a base case of Rs 1,903 and a bull case of Rs 1,965. Against Rs 1,585.50, these imply 15.0% upside, 20.0% upside and 23.9% upside. They are model scenarios built from reported EPS growth, not broker targets.
| Scenario | EPS Growth Basis | EPS Estimate | PE Multiple | Implied Value | Upside vs Current Price |
|---|---|---|---|---|---|
| Conservative Case | Lower of FY26 growth (22.2%) and 4-year CAGR (24.0%) (capped at 15%) | Rs 77.41 (+15.0%) | Unchanged from today (price to EPS ratio kept constant) | Rs 1,823 | +15.0% |
| Base Case | Average of the two (capped at 20%) | Rs 80.77 (+20.0%) | Unchanged from today (price to EPS ratio kept constant) | Rs 1,903 | +20.0% |
| Bull Case | Higher of the two | Rs 83.43 (+24.0%) | Unchanged from today (price to EPS ratio kept constant) | Rs 1,965 | +23.9% |
Each target takes today’s price of Rs 1,585.50 and scales it by the EPS growth assumed for that case, which is the same as holding the PE multiple constant. The conservative case uses the lower of the FY26 EPS growth and the 4-year EPS CAGR, the base case uses their average and the bull case uses the higher figure. Together they form the Cholamandalam Investment and Finance Company target price range for the FY27 outlook over the next 12 months, and the range is not a point estimate.
Cholamandalam Investment and Finance Company Share Price Forecast: What Has to Go Right by 2027
Each Cholamandalam Investment and Finance Company target price below depends on a specific EPS outcome, and the text states that outcome next to the number.
Conservative Case for the Cholamandalam Investment and Finance Company Share Price Target: Rs 1,823
Reaching Rs 1,823 needs EPS to rise 15.0% to Rs 77.41 while the stock keeps its current PE multiple. That follows the slower 4-year EPS CAGR of 24.0%.
Base Case for the Cholamandalam Investment and Finance Company Share Price Target: Rs 1,903
Reaching Rs 1,903 needs EPS to rise 20.0% to Rs 80.77, the average of the FY26 growth rate and the 4-year CAGR. Net profit growth of 45.6% in Q1 FY27 is at or above that pace, which supports the target.
Bull Case for the Cholamandalam Investment and Finance Company Share Price Target: Rs 1,965
Reaching Rs 1,965 needs EPS to rise 24.0% to Rs 83.43 with the PE multiple held at today’s level. That is above the 52-week high of Rs 1,952.50, so it would need a fresh breakout. A daily close above the nearest resistance level of Rs 1,695.59 (Supertrend) would be the first technical confirmation.
Cholamandalam Investment and Finance Company Financial Performance: Revenue, Profit and Margins
Cholamandalam Investment and Finance Company earned net profit of Rs 5,228.88 crore on revenue of Rs 31,538.73 crore in FY26, with profit up 22.7% and revenue up 20.6% compared with FY25. Diluted EPS was Rs 61.83 against Rs 50.60 a year earlier, and that earnings base anchors the Cholamandalam Investment and Finance Company share price forecast.
| Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Operating Margin | Net Margin |
|---|---|---|---|---|---|
| FY22 | 10,231.81 | 2,158.89 | 26.19 | 71.40% | 21.10% |
| FY23 | 13,105.59 | 2,676.67 | 32.38 | 72.36% | 20.42% |
| FY24 | 19,419.87 | 3,410.74 | 41.06 | 72.27% | 17.56% |
| FY25 | 26,152.56 | 4,260.00 | 50.60 | 70.67% | 16.29% |
| FY26 | 31,538.73 | 5,228.88 | 61.83 | 68.62% | 16.58% |
In the latest reported quarter, Q1 FY27 (quarter ended June 2026), revenue was Rs 8,956.68 crore against Rs 7,353.09 crore a year earlier (+21.8%), and the bottom line was a net profit of Rs 1,656.22 crore against a net profit of Rs 1,137.83 crore (+45.6%). Operating margin was 71.20% versus 69.73% in the year-ago quarter. Cash flow from operations was Rs -30,020.80 crore in FY26 against Rs -32,413.15 crore in FY25. Together these figures set the earnings base for the Cholamandalam Investment and Finance Company share price prediction.
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Is Cholamandalam Investment and Finance Company Overvalued or Undervalued Right Now?
Cholamandalam Investment and Finance Company trades at a PE of 22.95 against an industry PE of 17.72, which places the stock at a 29.5% premium to the industry average. The price-to-book ratio is 4.31 on a book value of Rs 358.66 per share. Return on equity of 17.18% means the company earns Rs 17.18 of profit for every Rs 100 of shareholder equity.
Debt to equity is 6.93, so borrowings equal about 693% of shareholder equity. The company declared a dividend of Rs 2.00 per share for FY26, a yield of 0.13% at the current price. This valuation context frames the Cholamandalam Investment and Finance Company stock price prediction for 2027 without relying on any outside forecast.
Cholamandalam Investment and Finance Company Stock Analysis: Technical Outlook
Cholamandalam Investment and Finance Company stock trades below its 50-day SMA of Rs 1,797.57 and below its 200-day EMA of Rs 1,701.87, and the combined daily indicators read bearish. The 52-week high of Rs 1,952.50 was set on 6 August 2026, while the 52-week low of Rs 1,299.40 came on 2 April 2026.
| Indicator | Reading | Signal |
|---|---|---|
| RSI (14) | 22.47 | Oversold |
| MACD (12,26,9) | -67.92 vs signal -57.25 | Bearish |
| ADX (14) | 62.65 | Established trend |
| Supertrend (10,3) | Price below Rs 1,695.59 | Bearish |
| 50-day SMA | Rs 1,797.57 | Price below |
| 200-day EMA | Rs 1,701.87 | Price below |
The nearest support level sits at Rs 1,299.40 (52-week low). The nearest resistance level sits at Rs 1,695.59 (Supertrend) and Rs 1,701.87 (200-day EMA). A sustained move above the nearest resistance would support the Cholamandalam Investment and Finance Company share price prediction 2027 base case, and this Cholamandalam Investment and Finance Company stock analysis uses daily candles only. Chart signals add context to the Cholamandalam Investment and Finance Company share price target without changing the earnings maths.
Cholamandalam Investment and Finance Company Shareholding Pattern
Promoters hold 49.22% of Cholamandalam Investment and Finance Company as of Jun 2026, down from 49.90% in Jun 2025 across the last 5 quarters. FII holding is 24.45% (down from 27.96% in Jun 2025) and DII holding is 20.62% (up from 16.06% in Jun 2025), which puts combined institutional holding at 45.07%. Public shareholders own 5.70%. Shareholding data is one input for any Cholamandalam Investment and Finance Company stock forecast. Ownership is a useful cross-check on any Cholamandalam Investment and Finance Company share price prediction.
Key Risks to the Cholamandalam Investment and Finance Company Share Price Target for 2027
Earnings and Margin Risk
Operating margin has ranged from 68.62% to 72.36% between FY22 and FY26, so a slip toward the lower end would trim the EPS estimate behind the Cholamandalam Investment and Finance Company stock forecast. Revenue was up 20.6% in FY26, and slower revenue growth would weigh on the profit path.
Valuation Risk
The PE of 22.95 is 29.5% above the industry PE of 17.72. Every target here holds the multiple constant, so a narrowing of that premium would leave returns below these targets even if earnings grow as assumed.
Size and Liquidity Risk
Market capitalisation stands at Rs 1,31,995 crore. Investors should check daily traded volumes and order book depth on NSE before sizing a position, because price moves can be sharper when volumes thin out. Liquidity is a practical constraint on any Cholamandalam Investment and Finance Company stock price target.
Balance Sheet Risk
Debt to equity of 6.93 means borrowings stand at about 693% of shareholder equity. A rise in borrowing costs or a jump in debt would weigh on profit and on the multiple behind the Cholamandalam Investment and Finance Company share price forecast.
Technical Risk
The daily indicators read bearish, so the targets above may need a technical turn before the price follows earnings. A daily close below Rs 1,299.40 (52-week low) would weaken the setup further.
None of these risks are priced into the Cholamandalam Investment and Finance Company stock price target, which assumes today’s multiple.
Conclusion
This Cholamandalam Investment and Finance Company stock analysis puts the share price target range for 2027 at Rs 1,823 to Rs 1,965, with a base case of Rs 1,903 against Rs 1,585.50 today. The inputs are a PE of 22.95 that sits at a 29.5% premium to the industry average, EPS growth of 22.2% in FY26 and a daily technical setup that reads bearish. The next quarterly result will show which scenario is gaining ground. This analysis is educational, so consult a SEBI-registered advisor before acting on it. Revisit the Cholamandalam Investment and Finance Company share price forecast after each quarterly result.
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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).
Frequently Asked Questions on Cholamandalam Investment and Finance Company Share Price Prediction 2027
What is the Cholamandalam Investment and Finance Company share price target for 2027?
Ans. The Cholamandalam Investment and Finance Company share price forecast for 2027 has a conservative case of Rs 1,823, a base case of Rs 1,903 and a bull case of Rs 1,965. These are model scenarios based on reported EPS growth, and they are not guaranteed outcomes.
What is the Cholamandalam Investment and Finance Company share price today?
Ans. Cholamandalam Investment and Finance Company trades at Rs 1,585.50 on NSE as of 9 October 2026, up 2.69% on the day. The 52-week range is Rs 1,299.40 to Rs 1,952.50.
Is Cholamandalam Investment and Finance Company a good stock to buy for 2027?
Ans. The data points in different directions: the PE of 22.95 is at a 29.5% premium to the industry average, EPS grew 22.2% in FY26 and the daily technical setup reads bearish. This article does not constitute investment advice, so consult a SEBI-registered advisor before deciding.
Can Cholamandalam Investment and Finance Company stock reach Rs 1,965 in 2027?
Ans. Reaching Rs 1,965 needs EPS to rise 24.0% from Rs 67.31 with the PE multiple held at today’s level, plus a daily close above Rs 1,695.59 (Supertrend). This is a scenario, not a guarantee.
What are the support and resistance levels for Cholamandalam Investment and Finance Company?
Ans. The nearest support levels are Rs 1,299.40 (52-week low), and the nearest resistance levels are Rs 1,695.59 (Supertrend) and Rs 1,701.87 (200-day EMA).
What are the main risks for Cholamandalam Investment and Finance Company stock in 2027?
Ans. The main risks to the Cholamandalam Investment and Finance Company share price forecast are a fall in operating margin from the 68.62% to 72.36% range seen since FY22, slower revenue growth after FY26 revenue was up 20.6%, and thin trading volumes. Debt to equity of 6.93 adds balance sheet sensitivity.
How is the Cholamandalam Investment and Finance Company target price for 2027 calculated?
Ans. Each target scales the current price by assumed EPS growth at a constant PE multiple. The conservative case uses 15.0% growth, the base case 20.0% and the bull case 24.0%, all drawn from the company’s reported FY26 and 4-year EPS growth.
