Tata Capital Limited
Tata Capital Limited, through its subsidiaries, provides various financial services to retail, SME, corporate, and institutional customers in India, Singapore, and the United Kingdom. The company operates through three segments: Financing Activity, Investment Activity, and Others. It offers loans for retail and corporate borrowers, including asset financing, term loans, channel financing, credit substitutes, investments linked to/arising out of lending business, bill and invoice discounting, and power project finance. It also offers home loans, loans against property, personal loans, business loans, two wheeler loans, car loans, commercial vehicle loans, construction equipment loans, loans against securities, microfinance loans, and education loans. Additionally it provides supply chain finance, equipment finance, cleantech and infrastructure finance, and developer finance. The company also engages in the provision of corporate investment, advisory, wealth management, private equity fund management, and leasing services, as well as the distribution of financial products. In addition, it offers insurance and credit card distribution services. Tata Capital Limited was formerly known as Primal Investments and Finance Limited and changed its name to Tata Capital Limited in May 2007. Tata Capital Limited was incorporated in 1991 and is based in Mumbai, India. Tata Capital Limited operates as a subsidiary of Tata Sons Private Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong cash conversion β FCF/PAT ratio of 1.01
Concerns1
- Low return on equity of 9.2%
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 5 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ21.90 K Cr | β | βΉ2.59 K Cr | β | β | β | 64.7% | 4.1% |
| Mar 2024 | βΉ13.29 K Cr | β | βΉ2.49 K Cr | β | β | β | 30.7% | 7.4% |
| Mar 2023 | βΉ10.17 K Cr | β | βΉ2.32 K Cr | β | β | β | 1930.5% | 2696.4% |
| Mar 2022 | βΉ501.00 Cr | β | βΉ83.00 Cr | β | β | β | 10.8% | 76.6% |
| Mar 2021 | βΉ452.00 Cr | β | βΉ47.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | Mar 2025 |
|---|---|
| Revenue | 21,897 |
| Finance Costs | 10,889 |
| Total Expenses | 7,335 |
| Financing Profit | 3,673 |
| Financing Margin % | 17% |
| Other Income | 43 |
| Depreciation & Amortisation | 340 |
| Profit Before Tax | 3,375 |
| Tax % | 23% |
| Net Profit / PAT | 2,594 |
| EPS (βΉ) | 6.83 |
| Dividend Payout % | 6% |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Tata Capital Limitedthis co. | βΉ1.48 L Cr | βΉ21.90 K Cr | 58.30 | 0.00 | 0.00 | 64.7% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |