TATACAP

Tata Capital Limited

The Tata group's NBFC — retail, SME and corporate lending, plus housing finance

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

tatacapital.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹314.25
Market cap
1,32,522 Cr
Stock P/E
24.5
P/B
2.89
Dividend yield
0.1%
ROE (FY26)
10.3%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Tata Capital is a non-banking financial company (NBFC) that lends to retail customers, SME and corporate borrowers in India and offers housing finance; its consolidated AUM was ₹2.91 lakh crore at June 2026 (August 2026 call).

Company snapshot

3rdBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 15.5% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income3,004 Cr3,315 Cr3,477 Cr3,571 Cr
Other income12 Cr3 Cr2 Cr3 Cr
Net operating income3,016 Cr3,318 Cr3,480 Cr3,574 Cr
Employee cost722 Cr734 Cr737 Cr758 Cr
Other expenses640 Cr679 Cr706 Cr706 Cr
Provisions & contingencies————
Depreciation135 Cr142 Cr143 Cr154 Cr
Profit before tax1,507 Cr1,695 Cr1,978 Cr2,159 Cr
Tax %25.7%25.4%25.9%24.6%
Net profit1,119 Cr1,265 Cr1,466 Cr1,628 Cr
EPS (₹)₹2.73₹2.97₹3.54₹3.65

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———12,667 CrSign in free for the trailing twelve months
Other income9 Cr24 Cr57 Cr43 CrSign in free for the trailing twelve months
Net operating income9 Cr24 Cr57 Cr12,710 CrSign in free for the trailing twelve months
Employee cost1,294 Cr1,850 Cr2,812 Cr2,828 CrSign in free for the trailing twelve months
Other expenses1,145 Cr1,487 Cr2,411 Cr2,607 CrSign in free for the trailing twelve months
Provisions & contingencies————Sign in free for the trailing twelve months
Depreciation226 Cr288 Cr390 Cr538 CrSign in free for the trailing twelve months
Profit before tax3,937 Cr4,392 Cr4,919 Cr6,562 CrSign in free for the trailing twelve months
Tax %25.2%24.3%25.7%25.5%Sign in free for the trailing twelve months
Net profit2,946 Cr3,327 Cr3,655 Cr4,891 CrSign in free for the trailing twelve months
EPS (₹)₹8.40₹8.60₹9.30₹11.76Sign in free for the trailing twelve months
Dividend payout %———3.4%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2023Mar 2024Mar 2025Mar 2026
Equity capital3,507 Cr3,703 Cr3,762 Cr4,217 Cr
Reserves13,833 Cr19,714 Cr29,429 Cr41,645 Cr
Borrowings1,13,336 Cr1,48,185 Cr2,08,415 Cr2,35,977 Cr
Other liabilities4,142 Cr3,927 Cr5,679 Cr7,419 Cr
Total liabilities1,35,626 Cr1,76,694 Cr2,48,465 Cr2,90,504 Cr
Fixed assets (net)486 Cr833 Cr1,513 Cr2,501 Cr
CWIP11 Cr4 Cr2 Cr1 Cr
Investments13,254 Cr8,733 Cr9,866 Cr9,511 Cr
Loans & advances———2,68,203 Cr
Trade receivables90 Cr141 Cr97 Cr206 Cr
Cash & bank3,059 Cr6,771 Cr9,478 Cr3,641 Cr
Other assets1,18,725 Cr1,60,212 Cr2,27,509 Cr6,440 Cr
Total assets1,35,626 Cr1,76,694 Cr2,48,465 Cr2,90,504 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-23,190 Cr-37,999 Cr-29,872 Cr-37,965 Cr
Cash from investing-2,270 Cr5,757 Cr-40 Cr267 Cr
Cash from financing26,430 Cr35,952 Cr29,412 Cr31,848 Cr
Net cash flow970 Cr3,711 Cr-500 Cr-5,834 Cr
Free cash flow (OCF − Capex)-23,337 Cr-38,632 Cr-30,894 Cr-38,960 Cr

Ratios

MetricMar 2023Mar 2024Mar 2025Mar 2026
ROE %16.7%12.8%10.7%10.3%
Debt / equity6.546.336.285.15