Tata Capital Ltd.

•

tatacapital.comBSE: 544574NSE: TATACAP

Market Cap₹ 1,54,004 Cr.

Current Price

High / Low₹ 390 / 296

Stock P/E28.5

Book Value₹ 112

Price to Book2.81

Dividend Yield0.16 %

ROCE8.7 %

ROE13.1 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Financing Activity: 96.6% • Others: 2.0% • Investment Activity: 1.4%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 31.4% CAGR over last 5 years
Comfortable capital adequacy - CAR of 19.0%
Solid return on assets for a lender - ROA of 1.7%
Company has consistently been profitable over the last 5 years
Latest quarter profit grew 56.4% YoY, showing strong momentum
Company has delivered good sales growth of 26.2% CAGR over last 5 years

CONS

Promoter holding has decreased over last 2 years: -9.1pp
Company has a low return on capital employed of 9.2%
Free cash flow has been persistently negative
Equity base is being diluted - shares outstanding up 20.2%
Operating margins have contracted to 73.4% from 78.3%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY NEXT 50 NIFTYLARGEMIDCAP250 NIFTY100 EQL WGT NIFTY TOTAL MKT NIFTY 500

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SUNDARMFIN	4714.65	23.60	52381.58	0.85	636.19	33.88	2644.13	23.37	9.35	80.61

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	7,119	7,030	7,408	7,665	7,622	7,855	8,037	8,822
	1,915	1,762	2,070	6,309	2,135	2,172	2,026	6,667
Operating Profit	5,270	5,342	5,408	5,539	5,602	5,716	6,134	6,680
OPM %	74.02%	75.99%	73.00%	72.26%	73.49%	72.76%	76.32%	75.72%
Other Income	8	8	31	27	12	3	2	3
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
	1,492	1,414	1,370	1,382	1,504	1,694	1,978	2,159
Tax %	24.20%	25.76%	26.91%	24.69%	25.81%	25.38%	25.90%	24.59%
Net Profit	0	0	0	1,041	1,119	1,265	1,466	1,628
	3	3	3	0	3	3	4	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	5,883	6,585	8,935	9,589	9,835	10,109	13,629	18,175	28,311	31,540	32,336
	2,855	2,308	3,069	2,984	2,806	2,869	2,972	3,986	8,009	8,376	13,000
Operating Profit	3,028	4,277	5,866	6,605	7,030	7,241	10,657	14,189	20,302	23,164	19,337
OPM %	51.47%	64.95%	65.65%	68.88%	71.47%	71.62%	78.19%	78.07%	71.71%	73.44%	59.80%
	1,345	939	1,010	224	157	202	9	144	145	23	-22
Interest	3,509	3,923	5,230	5,807	5,235	4,929	6,649	9,642	15,136	16,091	16,290
Depreciation	154	248	288	386	334	276	226	288	390	538	574
Profit before Tax	710	1,045	1,358	636	1,618	2,348	3,937	4,392	4,919	6,562	7,334
Tax %	33.83%	40.12%	28.45%	80.47%	22.89%	23.30%	25.17%	24.25%	25.69%	25.47%	25.38%
Net Profit	470	626	972	124	1,247	1,801	2,946	3,327	3,655	4,891	5,473
EPS	1.02	2.14	2.57	0.88	3.20	4.69	8.44	8.51	9.74	11.49	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	3.36%	1.83%	2.47%	4.31%	4.96%	—

COMPOUNDED SALES GROWTH

10 Years:: 21%
5 Years:: 26%
3 Years:: 32%

COMPOUNDED PROFIT GROWTH

10 Years:: 28%
5 Years:: 34%
3 Years:: 17%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 14%
5 Years:: 16%
3 Years:: 15%
Last Year:: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2,769	2,770	3,268	3,464	3,464	3,463	3,507	3,703	3,762	4,217
Minority Interest	162	550	551	495	834	1,123	809	1,165	1,179	1,246
	1,443	1,470	4,289	5,342	6,488	8,217	13,713	19,658	25,045	41,551
	33,885	55,307	70,094	72,647	69,929	86,931	1,14,099	1,49,100	2,09,456	2,36,437
Trade Payables	542	600	747	627	810	1,024	1,094	1,218	1,645	1,785
	16,404	3,731	2,894	55	666	776	2,023	1,384	5,796	3,921
Total Liabilities	55,205	64,427	81,842	82,630	82,191	1,01,534	1,35,245	1,76,227	2,46,883	2,89,157
	915	819	1,049	1,076	880	699	713	1,187	2,000	2,601
Capital Work in Progress	7	3	1	1	0	4	11	4	2	1
	1,161	1,695	1,786	1,500	4,653	7,846	13,254	8,733	9,866	9,508
	0	0	0	0	0	0	0	141	129	206
Cash & Bank	358	264	1,882	4,318	2,050	2,128	3,317	6,969	10,152	3,730
	52,765	61,646	77,124	75,735	74,608	90,857	1,17,950	1,59,193	2,24,732	2,73,110
Total Assets	55,205	64,427	81,842	82,630	82,191	1,01,534	1,35,245	1,76,227	2,46,883	2,89,157

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-8,798	-10,179	-16,648	-2,458	-515	-17,909	-27,646	-44,822	-40,324	-50,789
Cash from Investing	707	-304	-136	381	-2,626	-2,617	-2,270	5,757	175	267
Cash from Financing	6,540	8,550	15,965	1,757	-2,787	17,056	26,430	35,952	29,412	31,848
	218	-172	1,172	2,424	-2,276	52	970	3,711	-500	-5,849

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Oct 2025	Dec 2025	Mar 2026	Jun 2026
	94.55	94.55	94.55	94.62	92.83	85.41	85.41	85.41	85.41
	0.00	0.00	0.00	0.00	0.00	3.31	4.63	4.88	5.17
	0.00	0.00	0.00	0.00	0.00	3.03	3.31	3.59	3.56
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	5.45	5.45	5.45	5.38	7.17	8.25	6.65	6.10	5.86

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-09

Change in Management

2026-09-09 - Tata Capital Limited has informed the Exchange about Disclosure under Regulation 30 of SEBI LODR Regulations - Change in Senior Management Personnel of the Company

2026-09-08

Allotment of Securities

2026-09-08 - Tata Capital Limited has informed the Exchange regarding allotment of 300000 securities pursuant to Non Convertible Securities

2026-08-20

Options to purchase securities

2026-08-20 - Tata Capital Limited has informed the Exchange regarding grant of stock options under the ESOP Scheme of the Company.

2026-08-19

Change in Auditors

2026-08-19 - Tata Capital Limited has informed the Exchange regarding Change in Auditors of the company.

2026-08-19

Shareholders meeting

2026-08-19 - Tata Capital Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 19, 2026. Further, the Company has submitted the Exchange a copy of Scrutinizers report along with voting results.

2026-08-12

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-12 - Tata Capital Limited has informed the Exchange regarding Schedule of Analyst / Institutional Investor Meeting.

2026-08-03

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-03 - Tata Capital Limited has informed the Exchange about Transcript

2026-07-31

Shareholders meeting

2026-07-31 - Tata Capital Limited has submitted the Exchange a copy Srutinizers report of Postal Ballot. Further, the company has informed the Exchange regarding voting results.

2026-07-28

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-28 - Tata Capital Limited has informed the Exchange about Audio Recording of Media call and Earnings Conference Call held on July 28, 2026.

News

Recent coverage and analyst commentary for TATACAP

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Tata Capital Ltd.

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Free 5nance Account

Name

BAJFINANCE

1034.20

31.71

643888.19

0.58

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1028.00

21.37

241893.03

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1845.00

27.40

157575.18

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.80

28.50

154003.85

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

230.00

73.49

151872.26

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11120.70

13.97

123766.17

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2794.40

9.86

112186.35

1.07

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

398.60

26.59

109118.68

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

309.50

24.37

77571.61

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

656.05

27.44

62432.55

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

668.65

25.53

55549.10

0.60

785.20

38.31

4937.90

18.71

9.09

57.98

SUNDARMFIN

4714.65

23.60

52381.58

0.85

636.19

33.88

2644.13

23.37

9.35

80.61

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

7,119

7,030

7,408

7,665

7,622

7,855

8,037

8,822

1,915

1,762

2,070

6,309

2,135

2,172

2,026

6,667

Operating Profit

5,270

5,342

5,408

5,539

5,602

5,716

6,134

6,680

OPM %

74.02%

75.99%

73.00%

72.26%

73.49%

72.76%

76.32%

75.72%

Other Income

Interest

3,693

3,836

3,960

4,066

3,976

3,928

4,017

4,370

Depreciation

109

118

135

142

143

154

1,492

1,414

1,370

1,382

1,504

1,694

1,978

2,159

Tax %

24.20%

25.76%

26.91%

24.69%

25.81%

25.38%

25.90%

24.59%

Net Profit

1,041

1,119

1,265

1,466

1,628

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

5,883

6,585

8,935

9,589

9,835

10,109

13,629

18,175

28,311

31,540

32,336

2,855

2,308

3,069

2,984

2,806

2,869

2,972

3,986

8,009

8,376

13,000

Operating Profit

3,028

4,277

5,866

6,605

7,030

7,241

10,657

14,189

20,302

23,164

19,337

OPM %

51.47%

64.95%

65.65%

68.88%

71.47%

71.62%

78.19%

78.07%

71.71%

73.44%

59.80%

1,345

939

1,010

224

157

202

144

145

-22

Interest

3,509

3,923

5,230

5,807

5,235

4,929

6,649

9,642

15,136

16,091

16,290

Depreciation

154

248

288

386

334

276

226

288

390

538

574

Profit before Tax

710

1,045

1,358

636

1,618

2,348

3,937

4,392

4,919

6,562

7,334

Tax %

33.83%

40.12%

28.45%

80.47%

22.89%

23.30%

25.17%

24.25%

25.69%

25.47%

25.38%

Net Profit

470

626

972

124

1,247

1,801

2,946

3,327

3,655

4,891

5,473

EPS

1.02

2.14

2.57

0.88

3.20

4.69

8.44

8.51

9.74

11.49

—

Dividend Payout %

0.00%

3.36%

1.83%

2.47%

4.31%

4.96%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

2,769

2,770

3,268

3,464

3,463

3,507

3,703

3,762

4,217

Minority Interest

162

550

551

495

834

1,123

809

1,165

1,179

1,246

1,443

1,470

4,289

5,342

6,488

8,217

13,713

19,658

25,045

41,551

33,885

55,307

70,094

72,647

69,929

86,931

1,14,099

1,49,100

2,09,456

2,36,437

Trade Payables

542

600

747

627

810

1,024

1,094

1,218

1,645

1,785

16,404

3,731

2,894

666

776

2,023

1,384

5,796

3,921

Total Liabilities

55,205

64,427

81,842

82,630

82,191

1,01,534

1,35,245

1,76,227

2,46,883

2,89,157

915

819

1,049

1,076

880

699

713

1,187

2,000

2,601

Capital Work in Progress

1,161

1,695

1,786

1,500

4,653

7,846

13,254

8,733

9,866

9,508

141

129

206

Cash & Bank

358

264

1,882

4,318

2,050

2,128

3,317

6,969

10,152

3,730

52,765

61,646

77,124

75,735

74,608

90,857

1,17,950

1,59,193

2,24,732

2,73,110

Total Assets

55,205

64,427

81,842

82,630

82,191

1,01,534

1,35,245

1,76,227

2,46,883

2,89,157

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-8,798

-10,179

-16,648

-2,458

-515

-17,909

-27,646

-44,822

-40,324

-50,789

Cash from Investing

707

-304

-136

381

-2,626

-2,617

-2,270

5,757

175

267

Cash from Financing

6,540

8,550

15,965

1,757

-2,787

17,056

26,430

35,952

29,412

31,848

218

-172

1,172

2,424

-2,276

970

3,711

-500

-5,849

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Oct 2025

Dec 2025

Mar 2026

Jun 2026

94.55

94.62

92.83

85.41

0.00

3.31

4.63

4.88

5.17

0.00

3.03

3.31

3.59

3.56

Government

0.00

5.45

5.38

7.17

8.25

6.65

6.10

5.86

Tata Capital Ltd.

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Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

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Tata Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI