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]
Prices delayed · Fundamentals as reported · checked 07 Oct, 4:58 pm ISTData as published. No model runs on this page.
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| 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 |
Generated on demand from the fundamentals above plus a live web scan. Takes one to two minutes.
The business narrative, written down and turned into explicit assumptions.
A valuation from those assumptions, under bull, base and bear cases.
Where today's price sits relative to that range.
| 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% |
| 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% |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 3,464 | 3,463 | 3,507 | 3,703 | 3,762 | 4,217 |
| Reserves | 6,509 | 8,250 | 13,833 | 19,714 | 29,284 | 41,645 |
| Borrowing | 69,166 | 86,343 | 113,541 |
| 148,512 |
| 208,851 |
| 236,376 |
| Other Liabilities + | 3,792 | 4,319 | 4,745 | 4,765 | 6,422 | 8,266 |
| Total Liabilities | 82,930 | 102,376 | 135,626 | 176,694 | 248,320 | 290,504 |
| Fixed Assets + | 901 | 719 | 733 | 1,190 | 2,003 | 2,604 |
| CWIP | 8 | 11 | 20 | 8 | 16 | 33 |
| Investments | 4,653 | 7,846 | 13,254 | 8,733 | 9,866 | 9,508 |
| Other Assets + | 77,368 | 93,798 | 121,619 | 166,763 | 236,434 | 278,358 |
| Total Assets | 82,930 | 102,376 | 135,626 | 176,694 | 248,320 | 290,504 |