WEBSITE BSE:544574 NSE: TATACAP Inc. Year: 1991 Industry: Finance - NBFC
Last updated: 15:59
Tata Capital Limited is the financial services arm of the Tata Group and a wholly owned subsidiary of Tata Sons Pvt. Ltd. Incorporated in 1991 and rebranded in 2007, it operates as a systemically important Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC) registered with the Reserve Bank of India. Headquartered in Mumbai, Tata Capital provides a comprehensive range of financial products and services across retail, corporate, and institutional segments. The company’s offerings span personal loans, home loans, business...Read More
Tata Capital Limited is the financial services arm of the Tata Group and a wholly owned subsidiary of Tata Sons Pvt. Ltd. Incorporated in 1991 and rebranded in 2007, it operates as a systemically important Non-Banking Financial Company – Investment and Credit Company (NBFC-ICC) registered with the Reserve Bank of India. Headquartered in Mumbai, Tata Capital provides a comprehensive range of financial products and services across retail, corporate, and institutional segments. The company’s offerings span personal loans, home loans, business and vehicle loans, loans against property and securities, SME finance, and infrastructure and equipment financing. Beyond lending, Tata Capital also provides wealth management, investment advisory, and distribution services, including mutual funds, portfolio management, and insurance solutions. Its digital platforms and technology-led services — such as the “TIA” virtual assistant and online loan journeys — have significantly enhanced customer convenience and operational efficiency. Financially, Tata Capital has shown robust growth in recent years, supported by strong governance and the trust associated with the Tata brand. For FY2024-25, the company reported a consolidated loan book exceeding ₹2.2 lakh crore and a profit after tax of around ₹3,665 crore. Its diversified portfolio and prudent risk management have positioned it among India’s leading NBFCs. Tata Capital’s upcoming public listing, driven by RBI’s mandate for “upper layer” NBFCs, marks a key milestone in its journey. The IPO underscores the company’s maturity, governance strength, and ambition to deepen its market presence. Backed by the Tata Group’s legacy and credibility, Tata Capital continues to play a vital role in India’s growing financial ecosystem by bridging the credit gap across retail and enterprise segments. ...Read Less
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Market Cap ₹147000 Cr.
Stock P/E 40.2
P/B 3.3
Current Price ₹346.3
Book Value ₹ 104.6
Face Value 10
52W High ₹367.7
Dividend Yield 0.12%
52W Low ₹ 315
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2024 | Dec 2024 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|
| Operating Revenue | 7185 | 7104 | 7737 | 7975 |
| Other Income | 8 | 8 | 12 | 3 |
| Total Income | 7192 | 7111 | 7750 | 7979 |
| Total Expenditure | 1915 | 1762 | 2135 | 2172 |
| Operating Profit | 5277 | 5349 | 5614 | 5807 |
| Interest Expense | 3693 | 3836 | 3976 | 3928 |
| Depreciation | 92 | 99 | 135 | 142 |
| Profit Before Tax | 1492 | 1414 | 1504 | 1694 |
| Provision for Tax | 361 | 364 | 388 | 430 |
| Profit After Tax | 1131 | 1050 | 1115 | 1264 |
| Adjustments | -55 | 26 | -18 | -7 |
| Profit After Adjustments | 1076 | 1076 | 1097 | 1257 |
| Adjusted Earnings Per Share | 2.9 | 2.9 | 2.7 | 3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 3849 | 4647 | 5883 | 6468 | 8057 | 9604 | 9835 | 10109 | 13629 | 18175 | 28313 | 30001 |
| Other Income | 419 | 399 | 1345 | 1063 | 1888 | 209 | 157 | 202 | 9 | 144 | 150 | 31 |
| Total Income | 4268 | 5046 | 7228 | 7531 | 9945 | 9813 | 9993 | 10312 | 13638 | 18319 | 28463 | 30032 |
| Total Expenditure | 1269 | 1424 | 2855 | 2315 | 3069 | 2984 | 2806 | 2869 | 2972 | 3986 | 8015 | 7984 |
| Operating Profit | 2998 | 3622 | 4373 | 5216 | 6876 | 6829 | 7187 | 7443 | 10665 | 14333 | 20447 | 22047 |
| Interest Expense | 2481 | 2878 | 3509 | 3923 | 5230 | 5807 | 5235 | 4929 | 6649 | 9642 | 15136 | 15433 |
| Depreciation | 105 | 128 | 154 | 248 | 288 | 386 | 334 | 276 | 226 | 288 | 390 | 468 |
| Profit Before Tax | 412 | 616 | 710 | 1045 | 1358 | 636 | 1618 | 2348 | 3937 | 4392 | 4919 | 6104 |
| Provision for Tax | 111 | 207 | 240 | 419 | 386 | 512 | 370 | 547 | 991 | 1065 | 1264 | 1543 |
| Profit After Tax | 301 | 409 | 470 | 626 | 972 | 124 | 1247 | 1801 | 2946 | 3327 | 3655 | 4560 |
| Adjustments | 5 | -4 | -11 | -21 | -192 | 172 | -122 | -153 | 83 | -177 | 10 | -54 |
| Profit After Adjustments | 306 | 405 | 460 | 605 | 780 | 296 | 1126 | 1648 | 3029 | 3150 | 3665 | 4506 |
| Adjusted Earnings Per Share | 0.8 | 1 | 1.2 | 2.2 | 2.4 | 0.8 | 3.3 | 4.8 | 8.6 | 8.5 | 9.7 | 11.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 56% | 41% | 24% | 22% |
| Operating Profit CAGR | 43% | 40% | 25% | 21% |
| PAT CAGR | 10% | 27% | 97% | 28% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 14% | 17% | 16% | 13% |
| ROCE Average | 10% | 9% | 9% | 9% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 5077 | 5792 | 6044 | 4249 | 7566 | 8821 | 9973 | 11713 | 17340 | 23417 | 33192 |
| Minority's Interest | 105 | 123 | 162 | 550 | 551 | 495 | 834 | 1123 | 809 | 1165 | 1179 |
| Borrowings | 15173 | 20017 | 19158 | 37544 | 50713 | 65917 | 64180 | 81977 | 108216 | 97929 | 135270 |
| Current Liability | 16551 | 20395 | 28844 | 20538 | 21435 | 7935 | 7776 | 8856 | 9076 | 52894 | 77477 |
| Other Liabilities & Provisions | 144 | 952 | 997 | 1547 | 1576 | -537 | -571 | 610 | -195 | 822 | -41 |
| Total Liabilities | 37050 | 47279 | 55205 | 64427 | 81842 | 82630 | 82191 | 104279 | 135245 | 176227 | 247077 |
| Loans | 0 | 42348 | 32880 | 60442 | 75964 | 74681 | 73626 | 90111 | 116789 | 157761 | 221950 |
| Investments | 2092 | 2191 | 1143 | 1720 | 1810 | 1522 | 4674 | 7846 | 13254 | 3978 | 2890 |
| Fixed Assets | 789 | 901 | 915 | 819 | 1049 | 1076 | 880 | 699 | 713 | 1187 | 2000 |
| Other Loans | 19765 | 1032 | 928 | 322 | 430 | 392 | 307 | 1618 | 435 | 162 | 199 |
| Other Non Current Assets | 90 | 106 | 139 | 193 | 214 | 70 | 39 | 40 | 49 | 281 | 488 |
| Current Assets | 14314 | 701 | 19200 | 932 | 2376 | 4890 | 2664 | 3944 | 3986 | 12856 | 19546 |
| Total Assets | 37050 | 47279 | 55205 | 64427 | 81842 | 82630 | 82191 | 104279 | 135245 | 176227 | 247077 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 314 | 175 | 127 | 345 | 172 | 1878 | 4302 | 2027 | 2082 | 3059 | 6771 |
| Cash Flow from Operating Activities | -4968 | -7919 | -12360 | -8418 | -14656 | 286 | 3137 | -14387 | -23190 | -37999 | -29872 |
| Cash Flow from Investing Activities | -741 | -341 | 6037 | -304 | -136 | 381 | -2626 | -2617 | -2270 | 5757 | -40 |
| Cash Flow from Financing Activities | 5620 | 8211 | 6540 | 8550 | 15965 | 1757 | -2787 | 17056 | 26430 | 35952 | 29412 |
| Net Cash Inflow / Outflow | -88 | -48 | 218 | -172 | 1172 | 2424 | -2276 | 52 | 970 | 3711 | -500 |
| Closing Cash & Cash Equivalent | 225 | 127 | 344 | 172 | 1345 | 4302 | 2027 | 2082 | 3059 | 6771 | 9478 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.83 | 1.02 | 1.16 | 2.18 | 2.39 | 0.79 | 3.25 | 4.76 | 8.64 | 8.51 | 9.74 |
| CEPS(Rs) | 1.46 | 1.94 | 2.25 | 3.16 | 3.86 | 1.47 | 4.57 | 6 | 9.04 | 9.76 | 10.75 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16 | 0.16 | 0.21 | 0.42 |
| Book NAV/Share(Rs) | 14.92 | 15.88 | 14.81 | 14.81 | 22.58 | 25.42 | 28.73 | 33.73 | 49.1 | 63.08 | 76.95 |
| Net Profit Margin | 7.81 | 8.8 | 7.99 | 9.67 | 12.06 | 1.29 | 12.68 | 17.81 | 21.61 | 18.31 | 12.91 |
| Operating Margin | 75.18 | 75.18 | 71.72 | 76.81 | 81.76 | 67.09 | 69.68 | 71.98 | 77.67 | 77.21 | 70.83 |
| PBT Margin | 10.7 | 13.26 | 12.08 | 16.16 | 16.86 | 6.63 | 16.45 | 23.22 | 28.88 | 24.17 | 17.37 |
| ROA(%) | 0.88 | 0.97 | 0.92 | 1.05 | 1.33 | 0.15 | 1.51 | 1.93 | 2.46 | 2.14 | 1.73 |
| ROE(%) | 7.46 | 9.59 | 11.06 | 15.26 | 16.93 | 1.54 | 13.3 | 16.65 | 20.39 | 16.4 | 13.97 |
| ROCE(%) | 8.97 | 8.82 | 8.92 | 9.04 | 9.69 | 8.18 | 8.57 | 8.22 | 9.26 | 9.29 | 9.71 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 8.7 | 9.1 | 8.3 | 8.93 | 8.77 | 7.41 | 7.17 | 8.66 | 8.33 | 7.97 | 7.13 |
| EV/Core EBITDA(x) | 11.16 | 11.68 | 11.17 | 11.07 | 10.27 | 10.42 | 9.81 | 11.76 | 10.64 | 10.11 | 9.87 |
| Interest Earned Growth(%) | 16.14 | 20.74 | 26.6 | 9.95 | 24.57 | 19.19 | 2.42 | 2.79 | 34.81 | 33.36 | 55.78 |
| Net Profit Growth | 51.84 | 36.1 | 14.93 | 33.11 | 55.34 | -87.22 | 904.07 | 44.37 | 63.58 | 12.94 | 9.86 |
| EPS Growth(%) | 6.77 | 23.93 | 13.72 | 87.42 | 9.34 | -67.05 | 313.38 | 46.41 | 81.5 | -1.51 | 14.49 |
| Interest Coverage(x) % | 1.17 | 1.21 | 1.2 | 1.27 | 1.26 | 1.11 | 1.31 | 1.48 | 1.59 | 1.46 | 1.33 |
| # | Oct 2025 | Dec 2025 |
|---|---|---|
| Promoter | 85.41 | 85.41 |
| FII | 3.31 | 4.63 |
| DII | 3.03 | 3.31 |
| Public | 8.25 | 6.65 |
| Others | 0 | 0 |
| Total | 100 | 100 |
| # | Oct 2025 | Dec 2025 |
|---|---|---|
| Promoter | 362.56 | 362.56 |
| FII | 14.05 | 19.66 |
| DII | 12.88 | 14.05 |
| Public | 35.01 | 28.22 |
| Others | 0 | 0 |
| Total | 424.49 | 424.49 |
* The pros and cons are machine generated.
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