Tata Capital
Tata Capital Share Price Chart
Tata Capital last traded at ₹327.05 (2026-10-13). Over the past month the stock moved -10.0%, three months the stock moved +3.2%, year the stock moved -1.0%. Its closing range over 52 weeks is ₹297.80 – ₹375.90, with the latest close 13.0% below the high.
Closing prices up to 2026-10-13.
About Tata Capital
Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is carrying on business as a NBFC. It is engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.[1]
Business Profile:[1][2] Tata Capital is the 3rd largest and one of the fastest-growing diversified NBFCs in India with a 100% owned housing finance subsidiary with a loan book of 2.77 lakh crore as of FY26. It serves 7.3 Mn customers, offering over 25 lending products catered to individuals, SMEs, and corporates. The company benefits from group synergy as the flagship financial services arm of the Tata group, with a heritage of 150+ years.
Fundamentals
Quarterly Results
In the latest quarter (Jun 2026), Tata Capital reported sales of ₹8,822.00 crore (+15.1%) and net profit of ₹1,628.00 crore (+56.4%), compared with the same quarter last year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Jun 2026 | 8,822 | 2,309 | 26.00 | 1,628 | 3.65 |
| Mar 2026 | 8,160 | 2,118 | 26.00 | 1,466 | 3.54 |
| Dec 2025 | 7,976 | 1,876 | 24.00 | 1,265 | 2.96 |
| Sep 2025 | 7,737 | 1,626 | 21.00 | 1,119 | 2.72 |
| Jun 2025 | 7,665 | 1,473 | 19.00 | 1,041 | 2.48 |
| Mar 2025 | 7,478 | 1,447 | 19.00 | 1,000 | 2.77 |
| Dec 2024 | 7,104 | 1,506 | 21.00 | 1,050 | 2.87 |
| Sep 2024 | 7,185 | 1,576 | 22.00 | 1,133 | 2.87 |
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Sales growth | +7.7% | +12.3% | +9.1% | +15.1% |
| Operating profit growth | +3.2% | +24.6% | +46.4% | +56.8% |
| Net profit growth | -1.2% | +20.5% | +46.6% | +56.4% |
| EPS growth | -5.2% | +3.1% | +27.8% | +47.2% |
| OPM % | 21.0% | 24.0% | 26.0% | 26.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Annual Financials
In the latest year (Mar 2026), Tata Capital reported sales of ₹31,540.00 crore (+11.4%) and net profit of ₹4,891.00 crore (+33.8%), compared with the previous year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Mar 2026 | 31,540 | 7,096 | 22.00 | 4,891 | 11.42 |
| Mar 2025 | 28,324 | 5,263 | 19.00 | 3,655 | 9.64 |
| Mar 2024 | 18,178 | 4,659 | 26.00 | 3,327 | 8.41 |
| Mar 2023 | 13,631 | 4,013 | 29.00 | 2,946 | 8.51 |
| Mar 2022 | 10,162 | 2,364 | 23.00 | 1,801 | 4.69 |
| Mar 2021 | 9,835 | 1,797 | 18.00 | 1,245 | 3.20 |
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Sales growth | +3.3% | +34.1% | +33.4% | +55.8% | +11.4% |
| Operating profit growth | +31.6% | +69.8% | +16.1% | +13.0% | +34.8% |
| Net profit growth | +44.7% | +63.6% | +12.9% | +9.9% | +33.8% |
| EPS growth | +46.6% | +81.4% | -1.2% | +14.6% | +18.5% |
| OPM % | 23.0% | 29.0% | 26.0% | 19.0% | 22.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Shareholding
AI Analysis
Tata Capital is trading at ₹328.25, down 3.2% today and 6.85% over 1 month, but maintaining positive 1-year performance. Net profit momentum is strong with Q1 FY2027 PAT at ₹1,628 Cr (up 11% QoQ) and TTM profit CAGR of 30%, though ROE has moderated to 10.7% (below 12% threshold) and P/B at 3.03x is premium-priced for the sector. NIM at 6.13% is robust and NII growing steadily, but high leverage (D/E 5.15) and negative operating cash flow (-₹37,965 Cr in FY2026) signal working-capital strain typical of rapid AUM expansion in NBFC operations.
- Strong profitability momentum: Net profit CAGR 30% (TTM) and 34% (5-yr) with consistent QoQ recovery (Q1 PAT ₹1,628 Cr, +11% QoQ); AUM growth 22% YoY signals robust lending expansion.
- Robust NIM at 6.13% (annualised) and expanding NII (₹4,452 Cr in Q1 FY27 vs ₹3,761 Cr in Q3 FY26) indicate healthy net interest income generation and pricing power despite competitive NBFC landscape.
- Strong promoter conviction at 85.41% holding and recent FII inflow (QoQ +0.29%) coupled with CEO commentary on manageable revolving-credit exposure (<5%) demonstrate insider confidence and regulatory compliance positioning.
- High leverage and deteriorating balance-sheet capacity: D/E ratio at 5.15x (up from 6.32x prior year but still elevated), borrowings ₹236,376 Cr vs equity ₹45,862 Cr; combined with negative operating cash flow of -₹37,965 Cr in FY2026, suggests working-capital stress and refinancing risk if AUM growth slows or credit costs rise.
- ROE contraction and valuation premium: ROE has declined to 10.7% (3-year trend: 14%→13%→10.7%), now below the 12% threshold for 'Average' rating, while P/B at 3.03x remains in premium territory; this valuation-quality mismatch leaves limited upside unless ROE recovers to 12%+ within 2-3 quarters.
AI-generated analysis for informational purposes only — not SEBI-registered investment advice.
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Not much concerned on proposed NBFC norms, revolving credit exposure below 5%: Tata Capital CEO - The Economic Times
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Tata Capital gains after Q1 PAT climbs 56% YoY; AUM rises 22% YoY. - business-standard.com
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Tata Capital up 6% post Q1; MOFSL backs AUM-led growth, sees 10% upside - business-standard.com
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Tata Capital gains after Q1 PAT climbs 56% YoY; AUM rises 22% YoY. - business-standard.com
Frequently Asked Questions
What is Tata Capital's current stock price?
Tata Capital shares were last quoted at ₹327.05 (+2.6% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.
What is the P/E ratio of Tata Capital?
Tata Capital has a price-to-earnings (P/E) ratio of 26.59 and a price-to-book (P/B) ratio of 3.03. The industry P/E is 39.46.
What is the 52-week high and low of Tata Capital?
The 52-week high of Tata Capital is ₹390.00 and the 52-week low is ₹296.05.
What is the market cap of Tata Capital?
The market capitalisation of Tata Capital is about ₹143,688.82 crore.
How did Tata Capital perform in its latest quarterly results?
In the latest quarter (Jun 2026), Tata Capital reported sales of ₹8,822.00 crore (+15.1%) and net profit of ₹1,628.00 crore (+56.4%), compared with the same quarter last year.
Is Tata Capital a good stock to buy?
This page is for information and is not investment advice. As per the data shown here, Tata Capital has a 3-year ROE of 13.00%, 3-year profit growth of 17.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.
What is the promoter holding in Tata Capital?
Promoters hold about 85.41% of Tata Capital.
Which sector does Tata Capital belong to?
Tata Capital belongs to the Finance - NBFC sector.