Tata Capital Ltd

Tata Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Tata Capital Ltd

₹ 342 3.34%
30 Jan - close price
tatacapital.com BSE: 544574 NSE: TATACAP
About

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.[1]

Key Points

Business Profile[1]
Tata Capital is the 3rd largest and one of the fastest-growing diversified NBFCs in India, with a loan book of 2.33 lakh crore as of June 2025. It serves 7.3 Mn customers, offering over 25 lending products catered to individuals, SMEs, and corporates. The company benefits from strong group synergy as the flagship financial services arm of the Tata group, with a heritage of over 150 years.

Website BSE NSE
  • Market Cap ₹ 1,45,217 Cr.
  • Current Price ₹ 342
  • High / Low ₹ 368 / 315
  • Stock P/E 53.8
  • Book Value ₹ 71.4
  • Dividend Yield 0.00 %
  • ROCE 9.62 %
  • ROE 10.9 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 4.79 times its book value
  • Company has low interest coverage ratio.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE IPO BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
5,428 5,368 5,666 5,575 5,584 5,783
Interest 2,680 2,765 2,836 2,871 2,742 2,678
1,747 1,569 1,876 1,861 1,835 1,882
Financing Profit 1,001 1,034 955 842 1,007 1,223
Financing Margin % 18% 19% 17% 15% 18% 21%
6 8 30 25 8 -33
Depreciation 80 87 95 105 122 128
Profit before tax 927 955 889 763 893 1,062
Tax % 24% 25% 26% 26% 26% 26%
707 719 655 568 661 790
EPS in Rs 1.89 1.92 1.72 1.43 1.64 1.86
Gross NPA % 1.89% 2.29% 2.33% 2.89% 2.90%
Net NPA % 0.52% 0.95% 0.98% 1.40% 1.37%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
452 501 10,173 13,293 21,897 22,609
Interest 255 290 4,557 6,646 10,889 11,127
127 112 2,366 3,211 7,335 7,454
Financing Profit 70 99 3,250 3,436 3,673 4,027
Financing Margin % 15% 20% 32% 26% 17% 18%
1 11 -3 16 43 29
Depreciation 7 7 198 244 340 450
Profit before tax 63 103 3,049 3,209 3,375 3,607
Tax % 26% 19% 24% 22% 23%
47 83 2,321 2,492 2,594 2,673
EPS in Rs 0.13 0.24 6.52 6.65 6.83 6.65
Dividend Payout % 0% 68% 3% 3% 6%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 252%
TTM: 65%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 215%
TTM: 4%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 14%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 3,516 3,516 3,560 3,746 3,800 4,035
Reserves 3,413 3,502 11,181 15,706 24,299 26,275
Borrowing 3,449 4,091 78,881 101,125 147,650 146,801
137 154 3,180 3,136 4,489 4,260
Total Liabilities 10,514 11,263 96,802 123,713 180,237 181,370
90 85 605 998 1,801 2,314
CWIP 0 0 10 7 14 0
Investments 9,083 10,140 12,010 9,493 11,501 10,809
1,341 1,038 84,177 113,215 166,922 168,247
Total Assets 10,514 11,263 96,802 123,713 180,237 181,370

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-62 454 -16,484 -23,977 -17,091
-30 -1,018 -1,932 3,189 2,767
116 541 19,413 23,409 15,985
Net Cash Flow 23 -23 996 2,621 1,661

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 1% 1% 21% 15% 11%

Shareholding Pattern

Numbers in percentages

3 Recently
Dec 2025
85.41%
4.63%
3.33%
5.97%
0.66%
No. of Shareholders 14,04,334

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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