TATACAP
Tata Capital Limited (TATACAP) Stock Analysis
Tata Capital Limited is a financial services company of the Tata group offering loans, wealth management, and insurance distribution in India. It serves retail, corporate, and SME customers through branches and digital channels. The company funds vehicles, homes, business expansion, and consumer needs. Tata Capital is closely held within the Tata ecosystem and listed in structured form on exchanges.
Financial Services › Credit Services
₹343.60
-5.37% 1W | +3.90% 52W
Market Cap
144.9k CR
P/E Ratio
26.8
52W High
₹390.2
52W Low
₹296
Div. Yield
0.17%
Beta
–
50 DMA
₹362.1
200 DMA
₹340.2
Profit Margin
39.7%
Inst. Own.
4.9%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 7,185 | 7,104 | 7,478 | 7,665 | 7,737 | 7,976 | 8,160 | 8,822 |
| Interest | 3,693 | 3,836 | 3,960 | 4,066 | 3,976 | 3,928 | 4,017 | 4,370 |
| Expenses | 1,915 | 1,762 | 2,072 | 2,126 | 2,135 | 2,172 | 2,026 | 2,143 |
| Financing Profit | 1,576 | 1,506 | 1,447 | 1,473 | 1,626 | 1,876 | 2,118 | 2,309 |
| Financing Margin % | 22% | 21% | 19% | 19% | 21% | 24% | 26% | 26% |
| Other Income | 9 | 8 | 31 | 27 | 16 | -40 | 3 | 4 |
| Depreciation | 92 | 99 | 109 | 118 | 135 | 142 | 143 | 154 |
| Profit before tax | 1,494 | 1,415 | 1,368 | 1,382 | 1,507 | 1,695 | 1,978 | 2,159 |
| Tax % | 24% | 26% | 27% | 25% | 26% | 25% | 26% | 25% |
| Net Profit | 1,133 | 1,050 | 1,000 | 1,041 | 1,119 | 1,265 | 1,466 | 1,628 |
| EPS in Rs | 2.87 | 2.87 | 2.77 | 2.48 | 2.72 | 2.96 | 3.54 | 3.65 |
| Gross NPA % | 0.80% | |||||||
| Net NPA % | 0.40% |
| Metric | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 9,835 | 10,162 | 13,631 | 18,178 | 28,322 | 31,566 | 32,695 |
| Interest | 5,213 | 4,889 | 6,601 | 9,568 | 15,030 | 15,985 | 16,290 |
| Expenses | 2,826 | 2,908 | 3,018 | 3,951 | 8,032 | 8,458 | 8,476 |
| Financing Profit | 1,797 | 2,364 | 4,013 | 4,659 | 5,261 | 7,123 | 7,930 |
| Financing Margin % | 18% | 23% | 29% | 26% | 19% | 23% | 24% |
| Other Income | 152 | 260 | 150 | 21 | 47 | -23 | -17 |
| Depreciation | 334 | 276 | 226 | 288 | 390 | 538 | 574 |
| Profit before tax | 1,615 | 2,348 | 3,937 | 4,392 | 4,919 | 6,562 | 7,339 |
| Tax % | 23% | 23% | 25% | 24% | 26% | 25% | |
| Net Profit | 1,245 | 1,801 | 2,946 | 3,327 | 3,655 | 4,891 | 5,478 |
| EPS in Rs | 3.20 | 4.69 | 8.51 | 8.41 | 9.64 | 11.42 | 12.87 |
| Dividend Payout % | 0% | 3% | 2% | 2% | 4% | 5% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 32.0% | 26.0% | – |
| Profit CAGR | 17.0% | 34.0% | – |
Shareholding Pattern
Promoters85.41%
FIIs4.63%
DIIs3.33%
Public5.97%
Promoters85.41%
FIIs4.88%
DIIs3.60%
Public5.43%
Promoters85.41%
FIIs5.17%
DIIs3.57%
Public5.19%
Promoters85.41%
FIIs4.88%
DIIs3.60%
Public5.43%
Promoters85.41%
FIIs5.17%
DIIs3.57%
Public5.19%
TATACAP
Holdings Analysis
Key strengths & risk signals
61
Overall
53
Fundamental
70
Technical
Risks (2)
Cannot calculate PEG - insufficient growth data.
POSITIVE YEAR! Stock gained 9.0% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 37.8% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (334.5) is above 200-day average (332.5) - positive signal.
STRONG! Trading at 83.0% of 52W range - near yearly highs.
STRONG POSITION! Current price (358.4) is above both moving averages.
Fundamental & Technical Analysis
61Overall
53Fundamental
70Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: 0% (DECLINING, 2/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 37.8% profit margin - company keeps strong profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.49% public ownership - strong promoter/institutional control.
Stability Index
5/10
Insufficient historical data for stability analysis.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (334.5) is above 200-day average (332.5) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (358.4) is above both moving averages.
Trend Pattern
14/20
Current trend: CONSOLIDATING UP
52W Performance
4/10
POSITIVE YEAR! Stock gained 9.0% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 4,335,719 vs down days: 3,985,820. Ratio: 1.09x
RSI
3/5
BULLISH! RSI at 62.3 - positive momentum.
52W Range
5/5
STRONG! Trading at 83.0% of 52W range - near yearly highs.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 2.8% (1 week), 10.6% (1 month), 0.0% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
TATACAP
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-03 | Concall PDF | |
| Q4FY262026-04-29 | Concall PDF | |
| Q2FY262026-01-23 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TATACAP | ₹343.60 | 26.8 | 39.7% | 34.5% | – | +3.9% | 61 | BREAKDOWN | – | +3.0% | +15.3% | +5.7% |
| CHOLAFIN | ₹1,764.50 | 26.1 | 40.5% | 32.8% | 25.2% | +11.3% | 74 | BREAKDOWN | +45.6% | +0.7% | +27.4% | +2.9% |
| PFC | ₹344.90 | 4.3 | 54.5% | 16.2% | 17.7% | -15.2% | 74 | BOUNCE FROM SUPPORT | +2.1% | +0.2% | -1.0% | -7.6% |
| MUTHOOTFIN | ₹2,770.20 | 9.8 | 55.5% | 38.0% | 43.1% | -8.0% | 64 | BREAKDOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| IRFC | ₹79.30 | 14.4 | 97.3% | 4.6% | 4.4% | -38.9% | 55 | BREAKDOWN | +10.4% | +14.4% | +19.4% | +12.4% |
| RECLTD | ₹310.50 | 5.1 | 68.9% | 14.4% | 13.5% | -18.7% | 65 | BREAKDOWN | -6.1% | +24.2% | -14.8% | -17.4% |
| LTF | ₹302.30 | 23.8 | 33.1% | 17.7% | 22.5% | +20.0% | 75 | BREAKDOWN | +28.7% | +11.9% | +21.8% | +9.4% |
| SBICARD | ₹637.00 | 26.6 | 18.2% | 13.5% | -1.4% | -30.7% | 59 | BOUNCE FROM SUPPORT | +19.5% | +9.0% | +0.7% | 0.0% |
Data from TradeAlone · Updated daily
TATACAP News
Tata Capital Limited (TATACAP) gains 6% intraday backed by Q1FY27 results2026-07-29Tata Capital Limited (tatacap) Q1fy27: AUM Up 22% Yoy, PAT Surges 56%2026-07-28Tata Capital Limited (tatacap) Raises USD 400 Million Through International Bond Market2026-07-15Tata Capital Limited (tatacap) Announces Acquisition of Yogakshemam Loans Limited2026-07-13Tata Capital Limited (TATACAP) breaks out, moves up 9%2026-06-22
