Tata Capital Ltd.

•

tatacapital.comBSE: 544574NSE: TATACAP

Market Cap₹ 1,54,068 Cr.

Current Price

High / Low₹ 390 / 296

Stock P/E42.4

Book Value₹ 94

Price to Book3.33

Dividend Yield0.16 %

ROCE8.2 %

ROE10.2 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Financing Activity: 96.2% • Others: 2.7% • Investment Activity: 1.0%

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 132.9% 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 delivered good sales growth of 128.5% CAGR over last 5 years
Latest quarter profit grew 75.9% YoY, showing strong momentum

CONS

Promoter holding has decreased over last 2 years: -9.1pp
Company has a low return on capital employed of 9.0%
Free cash flow has been persistently negative
Equity base is being diluted - shares outstanding up 19.2%
Operating margins have contracted to 68.4% from 76.9%

* 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	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	SUNDARMFIN	4702.35	23.54	52244.92	0.85	636.19	33.88	2644.13	23.37	9.35	80.61

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	5,359	5,291	5,591	5,575	5,464	5,658	5,980	6,334
	1,747	1,569	1,876	4,837	1,835	1,882	1,711	4,994
Operating Profit	3,681	3,799	3,790	3,714	3,749	3,829	4,398	4,499
OPM %	68.69%	71.80%	67.79%	66.62%	68.62%	67.67%	73.55%	71.03%
Other Income	6	8	30	26	8	3	1	3
Interest	2,680	2,765	2,836	2,871	2,742	2,678	2,732	3,017
Depreciation	80	87	95	105	122	128	129	142
	927	955	889	763	893	1,062	1,540	1,343
Tax %	23.76%	24.71%	26.35%	25.53%	26.05%	25.60%	23.18%	25.58%
Net Profit	707	719	655	568	661	790	1,183	999
	2	2	2	0	2	2	3	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	391	371	331	366	370	435	10,171	13,290	21,884	23,052	23,436
	245	125	386	86	127	113	2,348	3,190	7,276	7,292	10,423
Operating Profit	147	246	-54	280	243	322	7,823	10,100	14,608	15,760	13,013
OPM %	37.50%	66.31%	-16.39%	76.49%	65.72%	73.93%	76.91%	76.00%	66.75%	68.37%	55.53%
	169	112	447	54	82	78	3	41	59	70	-22
Interest	119	306	317	272	255	290	4,579	6,688	10,951	11,090	11,169
Depreciation	7	8	8	8	7	7	198	244	340	483	520
Profit before Tax	189	43	68	54	63	103	3,049	3,209	3,375	4,257	4,837
Tax %	4.70%	15.72%	59.57%	46.31%	25.96%	19.28%	23.88%	22.32%	23.14%	24.81%	24.91%
Net Profit	180	37	28	29	47	83	2,321	2,492	2,594	3,201	3,633
EPS	0.15	0.13	0.09	0.09	0.13	0.24	6.47	6.65	6.83	7.54	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	67.70%	2.42%	3.16%	6.15%	7.56%	—

COMPOUNDED SALES GROWTH

10 Years:: 53%
5 Years:: 129%
3 Years:: 31%

COMPOUNDED PROFIT GROWTH

10 Years:: 36%
5 Years:: 133%
3 Years:: 11%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: 7%
5 Years:: 12%
3 Years:: 12%
Last Year:: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2,826	2,826	3,320	3,516	3,516	3,516	3,560	3,746	3,800	4,245
	426	480	2,509	3,347	3,402	3,484	11,069	15,656	19,925	34,689
	1,476	3,771	3,519	3,274	3,509	4,090	79,438	1,01,715	1,48,266	1,61,931
Trade Payables	18	10	29	21	20	23	902	976	1,326	1,375
	1,962	176	182	48	65	149	1,572	1,202	5,348	3,242
Total Liabilities	6,708	7,263	9,560	10,207	10,513	11,263	96,542	1,23,295	1,78,664	2,05,481
	115	47	45	42	38	35	590	998	1,801	2,416
Capital Work in Progress	0	0	0	0	0	0	1	4	1	1
	5,918	6,780	8,267	9,001	9,083	10,140	12,010	9,493	11,501	11,240
	0	0	0	0	0	0	0	130	97	148
Cash & Bank	1	0	582	2	25	2	2,504	4,985	7,217	2,915
	674	435	665	1,163	1,368	1,085	81,437	1,07,685	1,58,048	1,88,762
Total Assets	6,708	7,263	9,560	10,207	10,513	11,263	96,542	1,23,295	1,78,664	2,05,481

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	399	305	-244	-489	-208	319	-19,474	-29,029	-24,938	-32,517
Cash from Investing	-882	-826	-1,312	-739	-30	-1,018	-1,932	3,189	-338	85
Cash from Financing	294	307	2,030	596	116	541	19,413	23,409	15,985	19,155
	-10	-0	582	-580	23	-23	996	2,621	-1,545	-3,635

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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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AI Stock Analyst

Tata Capital Ltd.

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Free 5nance Account

Name

BAJFINANCE

1046.00

32.08

651234.82

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1038.00

21.58

244239.69

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1849.10

27.46

157925.34

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.95

28.51

154067.52

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

231.15

73.86

152631.62

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

10971.00

13.79

122100.11

1.78

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2840.00

10.03

114017.05

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

400.00

26.68

109501.94

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

311.25

24.51

78010.22

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

666.00

27.86

63379.43

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

676.50

25.83

56201.25

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

SUNDARMFIN

4702.35

23.54

52244.92

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

5,359

5,291

5,591

5,575

5,464

5,658

5,980

6,334

1,747

1,569

1,876

4,837

1,835

1,882

1,711

4,994

Operating Profit

3,681

3,799

3,790

3,714

3,749

3,829

4,398

4,499

OPM %

68.69%

71.80%

67.79%

66.62%

68.62%

67.67%

73.55%

71.03%

Other Income

Interest

2,680

2,765

2,836

2,871

2,742

2,678

2,732

3,017

Depreciation

105

122

128

129

142

927

955

889

763

893

1,062

1,540

1,343

Tax %

23.76%

24.71%

26.35%

25.53%

26.05%

25.60%

23.18%

25.58%

Net Profit

707

719

655

568

661

790

1,183

999

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

391

371

331

366

370

435

10,171

13,290

21,884

23,052

23,436

245

125

386

127

113

2,348

3,190

7,276

7,292

10,423

Operating Profit

147

246

-54

280

243

322

7,823

10,100

14,608

15,760

13,013

OPM %

37.50%

66.31%

-16.39%

76.49%

65.72%

73.93%

76.91%

76.00%

66.75%

68.37%

55.53%

169

112

447

-22

Interest

119

306

317

272

255

290

4,579

6,688

10,951

11,090

11,169

Depreciation

198

244

340

483

520

Profit before Tax

189

103

3,049

3,209

3,375

4,257

4,837

Tax %

4.70%

15.72%

59.57%

46.31%

25.96%

19.28%

23.88%

22.32%

23.14%

24.81%

24.91%

Net Profit

180

2,321

2,492

2,594

3,201

3,633

EPS

0.15

0.13

0.09

0.13

0.24

6.47

6.65

6.83

7.54

—

Dividend Payout %

0.00%

67.70%

2.42%

3.16%

6.15%

7.56%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

2,826

3,320

3,516

3,560

3,746

3,800

4,245

426

480

2,509

3,347

3,402

3,484

11,069

15,656

19,925

34,689

1,476

3,771

3,519

3,274

3,509

4,090

79,438

1,01,715

1,48,266

1,61,931

Trade Payables

902

976

1,326

1,375

1,962

176

182

149

1,572

1,202

5,348

3,242

Total Liabilities

6,708

7,263

9,560

10,207

10,513

11,263

96,542

1,23,295

1,78,664

2,05,481

115

590

998

1,801

2,416

Capital Work in Progress

5,918

6,780

8,267

9,001

9,083

10,140

12,010

9,493

11,501

11,240

130

148

Cash & Bank

582

2,504

4,985

7,217

2,915

674

435

665

1,163

1,368

1,085

81,437

1,07,685

1,58,048

1,88,762

Total Assets

6,708

7,263

9,560

10,207

10,513

11,263

96,542

1,23,295

1,78,664

2,05,481

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

399

305

-244

-489

-208

319

-19,474

-29,029

-24,938

-32,517

Cash from Investing

-882

-826

-1,312

-739

-30

-1,018

-1,932

3,189

-338

Cash from Financing

294

307

2,030

596

116

541

19,413

23,409

15,985

19,155

-10

-0

582

-580

-23

996

2,621

-1,545

-3,635

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.

AI Sector View

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