Tata Capital Limited
₹319.90-₹6.60 (-2.0%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹1,48,061 Cr
- P/E
- 58.3x
- Revenue
- ₹21,897 Cr
- ROCE
- 11.3%
Price chart
Technical chartScreen technicals →-2.1% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -2.5%
- 3M
- -11.3%
- 6M
- -4.0%
- 1Y
- -2.1%
- 5Y
- -3.3%
52-week range
Day change -₹6.60 (-2.0%) from ₹327 to ₹320 · Last close Oct 30, 2026
AI Summary
Indian StockStrengths1
- Revenue grew 64.7% YoY
Concerns1
- Low return on equity of 9.2%
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 424 Cr shares
- ISIN
- INE976I01016
- BSE code
- 544574
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹1,48,061 Cr
- P/E
- 58.3x
- Earnings yield
- 1.7%
- 52-week high
- ₹382.90
- 52-week low
- ₹297.80
Profitability
- ROE
- 9.2%
- ROCE
- 11.3%
- Dividend payout
- 3.0%
- Tax rate
- 22.0%
- Other income, % of PBT
- 0.5%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹21,897 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 64.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹16.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 633.3%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 4.1%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹23,977 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 45.5%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,621 Cr
Solvency and efficiency
- CFO / Net profit
- -9.62
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹12 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹10,889 Cr |
| Revenue | Expenses | ₹7,335 Cr |
| Revenue | Financing profit | ₹3,673 Cr |
| Financing profit | Depreciation | ₹340 Cr |
| Financing profit | Profit before tax | ₹3,333 Cr |
| Other income | Profit before tax | ₹43 Cr |
| Profit before tax | Tax and other | ₹781 Cr |
| Profit before tax | Net profit | ₹2,594 Cr |
Revenue and net profit
Revenue grew 64.7% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹452 Cr | ₹47 Cr |
| FY2022 | ₹501 Cr | ₹83 Cr |
| FY2023 | ₹10,173 Cr | ₹2,321 Cr |
| FY2024 | ₹13,293 Cr | ₹2,492 Cr |
| FY2025 | ₹21,897 Cr | ₹2,594 Cr |
Cash flows
FY2025: -₹17,091 Cr from operations, -₹14,324 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹62 Cr | -₹92 Cr |
| FY2022 | ₹454 Cr | -₹564 Cr |
| FY2023 | -₹16,484 Cr | -₹18,416 Cr |
| FY2024 | -₹23,977 Cr | -₹20,788 Cr |
| FY2025 | -₹17,091 Cr | -₹14,324 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹21,897 Cr+64.7%1Y
- Net profit
- ₹2,594 Cr+4.1%1Y
- Cash from operations
- -₹17,091 Cr
- Free cash flow
- -₹14,324 Cr
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹21,897 Cr | ₹3,673 Cr | — | ₹2,594 Cr | -₹17,091 Cr | -₹14,324 Cr | — | +64.7% | +4.1% |
Monthly returns
Month-by-month returns of TATACAP across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.8 L Cr |
| Equity capital | ₹3,800 Cr |
| Reserves | ₹24,299 Cr |
| Borrowings | ₹1.5 L Cr |
| Other liabilities | ₹4,489 Cr |
| Assets | ₹1.8 L Cr |
| Fixed assets | ₹1,801 Cr |
| Capital work in progress | ₹14 Cr |
| Investments | ₹11,501 Cr |
| Other assets | ₹1.7 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
TATACAP trades at 58.3x earnings against a peer median of 26.9x (a 117% premium).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Tata Capital LimitedTATACAPthis companyP/E ↑ premium | ₹1.5 L Cr | 58.3x | — | 9.2% | — |
| HDFC LIFE INSURANCE COMPANY LIMITEDHDFCLIFE | ₹1.6 L Cr | 85.7x | 9.5x | 11.2% | 153.1x |
| Indian Railway Finance CorporationIRFC | ₹1.6 L Cr | 23.2x | 2.8x | 12.3% | 17.9x |
| MUTHOOT FINANCE LIMITEDMUTHOOTFIN | ₹1.6 L Cr | 21.7x | 5.0x | 18.3% | — |
| Bank Of BarodaBANKBARODA | ₹1.6 L Cr | 8.1x | 1.1x | 14.3% | — |
| Cholamandalam Investment and Finance Company LtdCHOLAFIN | ₹1.4 L Cr | 30.9x | 5.5x | 18.0% | — |
| Punjab National BankPNB | ₹1.4 L Cr | 9.1x | 1.1x | 13.1% | — |
| Canara BankCANBK | ₹1.4 L Cr | 7.3x | 1.3x | 17.0% | — |
| ICICI Prudential Asset Management Company LimitedICICIAMC | ₹1.3 L Cr | 45.1x | — | 75.4% | 47.5x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
TATACAP since 1 January, against earlier years.
Historical volatility
TATACAP's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 15.0% |
| FY2022 | 20.0% |
| FY2023 | 32.0% |
| FY2024 | 26.0% |
| FY2025 | 17.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹21,897 Cr |
| Costs | |
| Interest | ₹10,889 Cr |
| Expenses | ₹7,335 Cr |
| Financing profitFinancing Profit | ₹3,673 Cr |
| Financing marginFinancing Margin % | 17.0% |
| Other income and charges | |
| Profit before tax | ₹3,375 Cr |
| Tax | |
| Net profitNet Profit | ₹2,594 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.8 L Cr |
| Equity capitalEquity Capital | ₹3,800 Cr |
| Reserves | ₹24,299 Cr |
| BorrowingsBorrowing | ₹1.5 L Cr |
| Other liabilitiesOther Liabilities | ₹4,489 Cr |
| AssetsTotal Assets | ₹1.8 L Cr |
| Fixed assetsFixed Assets | ₹1,801 Cr |
| Capital work in progressCWIP | ₹14 Cr |
| Investments | ₹11,501 Cr |
| Other assetsOther Assets | ₹1.7 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹17,091 Cr |
| Investing cash flowCash from Investing Activity | ₹2,767 Cr |
| Financing cash flowCash from Financing Activity | ₹15,985 Cr |
| Change in cashNet Cash Flow | ₹1,661 Cr |
Learn while you research
Academy chapters picked for Tata Capital Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 58.3, learn when high multiples are justified.6 min read
- 04 Growth Investing65% revenue growth is in the top tier, learn how to value growth.7 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read