Chola Inv & Fin Share Price: Recovery Ka Dhamaka! Analyst Ne Diya ₹2,000 Ka Target, Share Abhi 25% Bhaga?

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AuthorVihaan Mehta|Published at:
Chola Inv & Fin Share Price: Recovery Ka Dhamaka! Analyst Ne Diya ₹2,000 Ka Target, Share Abhi 25% Bhaga?
Overview

Arre bhaiyon aur beheno, Cholamandalam Investment And Finance Company Ltd. (Chola) ke liye badi khabar hai! Axis Securities ne bola hai ki stock abhi **25%** aur bhag sakta hai, target diya hai **₹2,000** ka. Pichli Q3 se bhi behtar recovery dikh rahi hai, aur asset quality bhi sudhar rahi hai.

Recovery Ka Funda Kya Hai? (Why the recovery?)

Toh bhai log, yeh jo recovery dikh rahi hai na, woh sirf ek department ki nahi hai. Poora company broad-based recovery dikha raha hai. January mein jo disbursements (loan amount diya) hui hain, woh Q3 se bhi zyada hain! Yeh sab 20-22% ke AUM (Assets Under Management) growth target ko achieve karne mein help karega FY26 tak. Aur vehicle finance mein toh asset quality bhi sudhar rahi hai, matlab credit costs kam honge Q4 se. Plus, company higher-yielding products par focus kar rahi hai aur funding costs bhi kam hain, toh net interest margins (NIMs) bhi mast hain. Isse AUM badhega aur earnings bhi theek hogi FY28 tak.

Analyst Ka Bharosa Aur Target! (Analyst's Confidence and Target!)

Is zabardast performance ko dekh kar, Axis Securities ne apna 'Buy' rating pakka rakha hai aur target price ko ₹2,000 kar diya hai! Abhi share lagbhag ₹1,600 par chal raha hai, toh matlab 25% ka potential upside dikh raha hai. Woh company ko future book value par 4.4x multiple de rahe hain, jo ki current 3.5x se kaafi high hai, matlab valuation premium justify ho raha hai. Stock ka RSI bhi around 60 hai, jo achha momentum pakad raha hai.

Competition Aur Sector Ka Scene (Competition and Sector Scene)

Ab yeh premium valuation ke peeche kya hai? Dekho, market mein competitors se compare karte hain. Bajaj Finance ka market cap ₹5.6 Lakh Crore aur P/E 30-35x hai. Shriram Finance ka market cap ₹1.8-1.9 Lakh Crore aur P/E 19-25x hai. Chola ka market cap abhi ₹1.35-1.43 Lakh Crore hai, P/E 27-29x aur P/B 4.9x hai. Overall NBFC sector bhi 13-18% grow karne ka expectation hai, par liquidity aur regulation ke risks bhi hain jinhe companies manage kar rahi hain. Yaar, pichle saal bhi jab aise hi recovery signals mile the, toh Chola ka stock 15% bhaga tha bas 2 mahine mein!

Future Dekho Kya Kehta Hai? (Future Outlook)

Haan, risks toh hain hi, jaise overall credit growth slow hone ka dar ya asset quality mein koi unexpected problem. Par Axis Securities ko vishwas hai ki Chola disciplined underwriting aur credit cost control ke saath sustainable growth dikha sakta hai FY27-28 tak. So, analyst kaafi confident hai inke future growth story par.

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