Tata Capital Ltd
Tata Capital Limited is a diversified financial services company operating as a non-banking financial company (NBFC) in India.[1]
- Market Cap ₹ 1,38,935 Cr.
- Current Price ₹ 327
- High / Low ₹ 337 / 319
- Stock P/E 54.7
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 9.76 %
- ROE 11.9 %
- Face Value ₹ 10.0
Pros
Cons
- 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
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 452 | 501 | 10,173 | 13,293 | 21,897 | |
| Interest | 255 | 290 | 4,557 | 6,646 | 10,889 |
| 127 | 112 | 2,366 | 3,211 | 7,335 | |
| Financing Profit | 70 | 99 | 3,250 | 3,436 | 3,673 |
| Financing Margin % | 15% | 20% | 32% | 26% | 17% |
| 1 | 11 | -3 | 16 | 43 | |
| Depreciation | 7 | 7 | 198 | 244 | 340 |
| Profit before tax | 63 | 103 | 3,049 | 3,209 | 3,375 |
| Tax % | 26% | 19% | 24% | 22% | 23% |
| 47 | 83 | 2,321 | 2,492 | 2,594 | |
| EPS in Rs | 0.13 | 0.24 | 6.52 | 6.65 | 6.83 |
| 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: | % |
| 3 Years: | 15% |
| Last Year: | 12% |
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 | 20,136 | 26,275 |
| Borrowing | 3,449 | 4,091 | 78,881 | 101,125 | 147,650 | 146,801 |
| 137 | 154 | 3,180 | 3,136 | 8,651 | 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% | 21% | 15% | 12% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1d - Analyst/Institutional investor meetings Nov 4–7, 2025 (physical/virtual) in Mumbai.
-
Audio Recording Of Earnings Conference Call For The Quarter And Half Year Ended September 30, 2025
28 Oct - Audio of Oct 28 earnings call for quarter/half year ended Sept 30, 2025 posted online.
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
28 Oct - Q2FY26: PAT ₹1,128 crore (ex non-recurring); AUM ₹2,15,574 crore; board approved Oct 28, 2025.
-
Announcement under Regulation 30 (LODR)-Investor Presentation
28 Oct - Tata Capital Limited has informed about Investor Presentation
-
Financial Results For The Quarter And Half Year Ended September 30, 2025
28 Oct - Tata Capital approved unaudited standalone and consolidated Q2/H1 results for Sept 30, 2025; limited review unmodified.
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.