Tata Motors stock rating downgraded by BofA to Underperform on JLR concerns

Published 16/10/2025, 06:58
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Investing.com - BofA Securities downgraded Tata Motors Ltd. (NSE:TTMT) from Neutral to Underperform and slashed its price target to INR375.00 from INR685.00, citing concerns about Jaguar Land Rover’s fundamentals.

The downgrade comes as JLR will account for approximately 45% of the sum-of-the-parts valuation and over 90% of earnings following the upcoming spin-off of Tata’s commercial vehicle business, which is scheduled to be listed separately in November.

BofA Securities noted that the "RemainCo" (to be renamed Tata Motors PV Co) will primarily consist of India’s passenger vehicle business, JLR, and a stake in Tata Technologies, with its investment outlook and valuations likely to be negatively impacted by JLR’s volatile earnings and cash flows.

The revised price target values JLR at 2.5x EV/normalized EBIT, in line with European peers, with BofA shifting to an EV/EBIT target multiple from PE ratio due to expected balance sheet leverage and net earnings volatility from production setbacks.

For Tata’s India passenger vehicle business, BofA applied a 1.5x EV/EBITDA multiple, representing a 20% discount to peers, while acknowledging improved volume and market share outlook following GST reset, though noting that margin performance continues to lag behind competitors.

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