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TATA CAPITAL LIMITED TATACAP NSEFINANCIAL

Financial Services · Credit Services · India
https://www.tatacapital.com

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.

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₹305.90
-7.44% 1Y

Market & Price

Market Cap
₹1.29 L Cr
Current Price
₹305.90
High / Low (52W)
₹361.55 / ₹297.80
Beta
-

Valuation

Stock P/E
26.03
Industry PE
19.12
Forward P/E
14.66
PEG Ratio
-
Book Value
₹90.27
Price to Book
3.39
P/S
10.29
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
2.01%
ROE
12.01%
ROA
1.81%
Profit Margin
39.03%
Op Margin
55.46%
EPS (Latest Qtr)
₹3.54
EPS (TTM)
₹11.75

Balance Sheet & Liquidity

Debt/Equity
5.02
Quick Ratio
105.55
Current Ratio
105.66
Debt
₹2.37 L Cr
Total Assets
₹2.91 L Cr
Current Assets
₹2.72 L Cr
Working Capital
₹2.70 L Cr

Ownership

Promoter Holding
85.98%
Chg in Prom Hold
-
FII / Inst Holding
4.18%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹3.61 L Cr
Total Revenue (TTM)
₹12,531.71 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-37,964.94 Cr
Shares Outstanding
₹421.67 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
36.07%
Profit 5Y
-
Revenue (YoY)
7.00%
Earnings (YoY)
52.20%

PROS

  • Excellent profit margin of 39.0%.
  • Compounding revenue at 36.1% over 5 years.

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TATACAP TATA CAPITAL LIMITED NSEFINANCIAL 305.90 26.03 ₹1.29 L Cr - 2.01% 12.01% 36.07% -
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 7,011.65 Cr7,416.26 Cr7,227.19 Cr7,788.61 Cr8,069.58 Cr
Cost of Revenue 4,486.04 Cr4,611.72 Cr-4,661.90 Cr4,753.90 Cr
Gross Profit 2,525.61 Cr2,804.54 Cr2,818.10 Cr3,126.71 Cr3,315.68 Cr
Operating Expenses 1,210.84 Cr1,527.11 Cr1,691.50 Cr1,579.13 Cr1,430.91 Cr
Operating Income 1,314.77 Cr1,277.43 Cr1,126.60 Cr1,547.58 Cr1,884.77 Cr
EBITDA 1,414.09 Cr1,386.42 Cr-1,689.27 Cr2,027.34 Cr
Interest Expense -----
Pretax Income 1,414.66 Cr1,368.50 Cr-1,694.69 Cr1,978.48 Cr
Tax Provision 364.29 Cr368.69 Cr-429.95 Cr512.21 Cr
Net Income 1,075.57 Cr1,051.70 Cr-1,256.87 Cr1,502.02 Cr
Diluted EPS 2.532.48-2.973.54

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 12,218.58 Cr17,049.05 Cr27,758.63 Cr30,784.68 Cr
Cost of Revenue --17,842.52 Cr18,813.60 Cr
Gross Profit 5,085.18 Cr6,468.72 Cr9,916.11 Cr11,971.08 Cr
Operating Expenses 2,077.60 Cr2,551.53 Cr5,627.37 Cr6,167.46 Cr
Operating Income 3,007.58 Cr3,917.19 Cr4,288.74 Cr5,803.62 Cr
EBITDA --4,678.76 Cr6,341.14 Cr
Interest Expense ----
Pretax Income ---6,562.38 Cr
Tax Provision ---1,671.47 Cr
Net Income ---4,846.10 Cr
Diluted EPS ----

Compounded Sales Growth

5 Years:36.07%
1 Year:7.00%

Compounded Profit Growth

5 Years:-
1 Year:52.20%

Stock Price Performance

1 Year:-7.44%
6 Months:-5.88%
3 Months:-9.35%
1 Month:-8.18%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2026
Total Assets 2.91 L Cr
Current Assets 2.72 L Cr
Cash & Equivalents 3,640.56 Cr
Inventory -
Receivables 206.17 Cr
Total Liabilities 2.43 L Cr
Current Liabilities 2,471.81 Cr
Long Term Debt 2.27 L Cr
Total Debt 2.28 L Cr
Total Equity 45,861.49 Cr
Shares Outstanding 424.49 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2025Mar 2026
Operating Cash Flow -30,087.90 Cr-37,964.94 Cr
Investing Cash Flow 175.03 Cr267.28 Cr
Financing Cash Flow -31,848.34 Cr
Capital Expenditure --995.07 Cr
Free Cash Flow -31,110.14 Cr-38,960.01 Cr
Net Change in Cash -500.47 Cr-5,849.32 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % 41.6%37.9%35.7%38.9%
Operating Margin % 24.6%23.0%15.5%18.9%
Net Margin % ---15.7%
ROE % ---10.6%
ROCE % ---2.0%

Shareholding Pattern

Insiders
85.98%
Institutions
4.18%
Public Float
29.83%

Analyst View

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