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Tata Capital

TATACAP NSE
₹337.75 +3.95 (+1.18%)
P/E
26.24
View as Markdown
MCP
Close 4 Nov 2026 ₹337.75 +11.30 +3.46% 1Y
Start ₹326.45

Key Fundamentals

LargecapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
5.15
EPS (TTM)
₹12.87
Book Value
₹115.45
Market Cap
—
P/E (TTM)
26.24
P/B
2.93
ROE
12.40%
Dividend Yield
0.17%
52W High
₹390.20
52W Low
₹296.00
Day Range
₹330.05 – ₹338.70
Volume
8,19,420
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

39 Weak

Data confidence 94/100

Category scores

Quality
34
Poor
Returns, margins, earnings quality 22% weight
Valuation
41
Weak
Cheap vs sector & own history 24% weight
Growth
41
Weak
Sales & profit trajectory 9% weight
Financial Health
27
Poor
Solvency, leverage, coverage 9% weight
Momentum
49
Average
Trend strength, vol-adjusted 12% weight
Ownership
48
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

No strengths listed

Weaknesses

4
  • Stock is trading at 2.90 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.2% over last 3 years.
  • Company might be capitalizing the interest cost

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bullish6310
OscillatorsNeutral333
Moving AveragesStrong Bullish307

Key readings

RSI (14)
58.59
Neutral
MACD (12,26,9)
−2.37
Bullish
SMA (50)
338.74
Bearish
SMA (200)
337.88
Bearish

As of

Analyst Rating

Based on 13 analysts
BUY92%

12 of 13 analysts rate Buy, 1 Hold, 0 Sell.

As of

BUY
12
92%
HOLD
1
8%
SELL
0
0%

Growth Rate

From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
5Y+26.27%
3Y+32.30%
1Y+11.45%
TTM+11.09%

Net profit

Net profit growth by window
5Y+31.48%
3Y+18.41%
1Y+33.82%
TTM+29.69%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2021₹9,835 Cr
Mar 2022₹10,162 Cr
Mar 2023₹13,631 Cr
Mar 2024₹18,178 Cr
Mar 2025₹28,322 Cr
Mar 2026₹31,566 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2021₹1,245 Cr
Mar 2022₹1,801 Cr
Mar 2023₹2,946 Cr
Mar 2024₹3,327 Cr
Mar 2025₹3,655 Cr
Mar 2026₹4,891 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹16.46 +39.9% vs FY26
Reported High Mean Low

AI News Digest

9h ago

TL;DR: Tata Capital delivered a strong Q2 FY27 with 51% profit growth, a ₹3 trillion AUM milestone, and meaningful improvement in credit costs and operating efficiency driven by aggressive AI adoption. Key risks include four consecutive quarters of NIM compression from rising funding costs, regulatory uncertainty around revolving credit, and untested AI-led underwriting through a credit cycle. The fundamental trend is improving on profitability and asset quality, but the gap to FY28 ROE targets of 17-18% from 14% currently remains wide and will require sustained margin expansion and cost discipline.

Headwinds 5
  • NIM declining four straight quarters Oct 27

    Net interest margin fell 9 bps QoQ to ~4.9% in Q2 FY27, marking the fourth consecutive quarterly decline, driven by a 13 bps QoQ rise in cost of funds on EBLR and repo-linked borrowings.

  • RBI proposed revolving credit curbs Oct 27

    RBI has proposed that NBFCs discontinue revolving credit to customers; Tata Capital's flexi/revolving credit exposure is 3-4% of AUM and the company is evaluating alternative products.

  • Unsecured loan concentration rising Oct 27

    Unsecured loans at 10.4% of net AUM are growing faster than the overall book, while AI-led underwriting of these loans has not been tested through a full credit cycle.

Positives 7
  • Q2 profit surges 51% YoY Oct 27

    Consolidated net profit jumped 51% YoY to ₹1,660 crore in Q2 FY27, with revenue up 21% to ₹9,342 crore; ROA improved to 2.3% from 1.9% and ROE to 14% from 13%.

  • Loan book crosses ₹3 trillion Oct 27

    AUM reached ₹3,08,030 crore, up 26% YoY; excluding motor finance, AUM grew 32%, with retail and SME lending at 85.4% of net AUM.

  • Credit costs sharply improved Oct 27

    Annualised credit cost declined to 0.9% from 1.3% YoY and 0.95% QoQ, while gross stage 3 improved to 1.9% from 2.2% and net stage 3 to 0.8% from 1.1%.

Neutral 1
  • Corporate and SME mix shifting Oct 27

    SME proportion rose to 28.7% from 26.3% and corporate to 14.6% from 11.7% YoY, while retail (ex-motor) dipped to 49% from 50.4% and motor finance fell to 7.7% from 11.6%.

Quarterly Results

₹ Cr
TATACAP quarterly results, ₹ crore
Particulars Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
7,185
7,104
7,478
7,665
7,737
7,976
8,160
8,822
Expenses
1,915
1,762
2,072
2,126
2,135
2,172
2,026
2,143
Financing Profit
1,576
1,506
1,447
1,473
1,626
1,876
2,118
2,309
Fin. Margin %
22%
21%
19%
19%
21%
24%
26%
26%
Other Income
9
8
31
27
16
−40
2.21
4
Interest
3,693
3,836
3,960
4,066
3,976
3,928
4,017
4,370
Depreciation
92
99
109
118
135
142
143
154
PBT
1,494
1,415
1,368
1,382
1,507
1,695
1,978
2,159
Tax %
24%
26%
27%
25%
26%
25%
26%
25%
Net Profit
1,133
1,050
1,000
1,041
1,119
1,265
1,466
1,628
EPS (₹)
2.87
2.87
2.77
2.48
2.72
2.96
3.54
3.65
Gross NPA %
0.8%
—
—
—
—
—
—
—
Net NPA %
0.4%
—
—
—
—
—
—
—

Profit & Loss

₹ Cr
TATACAP profit and loss, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
9,835
10,162
13,631
18,178
28,322
31,566
32,695
Expenses
2,826
2,908
3,018
3,951
8,032
8,458
8,476
Financing Profit
1,797
2,364
4,013
4,659
5,261
7,123
7,930
Fin. Margin %
18%
23%
29%
26%
19%
23%
24%
Other Income
152
260
150
21
47
−23
−17
Interest
5,213
4,889
6,601
9,568
15,030
15,985
16,290
Depreciation
334
276
226
288
390
538
574
PBT
1,615
2,348
3,937
4,392
4,919
6,562
7,339
Tax %
23%
23%
25%
24%
26%
25%
—
Net Profit
1,245
1,801
2,946
3,327
3,655
4,891
5,478
EPS (₹)
3.2
4.69
8.51
8.41
9.64
11.42
12.87
Div. Payout %
0%
3%
2%
2%
4%
5%
—

Balance Sheet

₹ Cr
TATACAP balance sheet, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3,464
3,463
3,507
3,703
3,762
4,217
Reserves
6,509
8,250
13,833
19,714
29,284
41,645
Borrowing
69,166
86,343
1,13,541
1,48,512
2,08,851
2,36,376
Other Liabilities
3,792
4,319
4,745
4,765
6,422
8,266
Total Liabilities
82,930
1,02,376
1,35,626
1,76,694
2,48,320
2,90,504
Fixed Assets
901
719
733
1,190
2,003
2,604
CWIP
8
11
20
8
16
33
Investments
4,653
7,846
13,254
8,733
9,866
9,508
Other Assets
77,368
93,798
1,21,619
1,66,763
2,36,434
2,78,358
Total Assets
82,930
1,02,376
1,35,626
1,76,694
2,48,320
2,90,504

Cash Flow

₹ Cr
TATACAP cash flow, annual, ₹ crore
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
3,137
−14,387
−23,190
−37,999
−30,088
−37,965
Investing
−2,626
−2,614
−2,263
5,758
3,382
282
Financing
−2,787
17,056
26,430
35,952
29,412
31,848
Net Cash Flow
−2,275
55
977
3,712
2,706
−5,834
Free Cash Flow
3,131
−14,363
−23,337
−38,632
−31,109
−38,929

Ratios

TATACAP financial ratios, annual
Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
11%
15%
21%
15%
13%
12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Tata Capital insights

41 extracted metrics across FY18–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 85.41%
  • FIIs 5.06%
  • Public 4.42%
  • DIIs 3.88%
  • Others 1.23%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about Tata Capital

What does Tata Capital Ltd do?
Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is carrying on business as a NBFC.
Where is Tata Capital Ltd (TATACAP) listed?
Tata Capital Ltd trades as TATACAP on the NSE and under code 544574 on the BSE.
Which sector does Tata Capital Ltd belong to?
Tata Capital Ltd is classified under the Financial Services sector, in the Finance industry.
What is the PE ratio of Tata Capital Ltd?
Tata Capital Ltd trades at a PE ratio of 26.24 as of 4 Nov 2026, on earnings per share of ₹12.87, against a book value of ₹115.45 per share.
What is the 52-week high and low of Tata Capital Ltd?
Over the last 52 weeks Tata Capital Ltd has traded between ₹296 and ₹390.2 as of 4 Nov 2026.
Does Tata Capital Ltd pay dividends?
Tata Capital Ltd has a dividend yield of 0.17%.
What is the Return on Equity (ROE) of Tata Capital Ltd?
Tata Capital Ltd reported a return on equity of 12.40%. Its debt-to-equity ratio is 5.15.

Company Information

Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is carrying on business as a NBFC. It is engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.

Website tatacapital.com
Listed 13 Oct 2025
Face Value ₹10

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