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Tata Capital Ltd
₹321.35
+₹4.40 (+1.39%)
NSE · 15 Oct 2026, close
Market Cap
₹1,35,284 Cr
CMP
₹321.35
52-wk High / Low
₹390 / 296
P/E
24.9
P/B
3.0
Book Value
₹108.0
Div Yield
0.18%
ROCE
8.6%
ROE
12.0%
Face Value
₹10
D/E
5.15
Price−2.8% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
2
/ 9
2 of 9 F-score tests passed
Graham Number
₹167
√(22.5 × EPS × book value per share)
Cash flow to profit
−7.76
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
11.5%
ROE × earnings retention ratio
ROE stability
2.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.29DII −0.03
Latest quarter vs the previous one
Cash-accrual divergence
15.9%
of assets
Low = accruals track cash flow
Strengths
Watch-outs
−Latest ROCE of 8.6% trails the sector median of 9.4%
−Price trades below its 200-day moving average (0.9x)
−Piotroski F-Score of 2/9 is in the weak band (≤3)
−Balance-sheet accruals of 15.9% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales | 7,185 | 7,104 | 7,478 | 7,665 | 7,737 | 7,976 | 8,160 | 8,822 |
| Expenses | 1,915 | 1,762 | 2,072 | 2,126 | 2,135 | 2,172 | 2,026 | 2,143 |
| Operating Profit | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — |
| Other Income | 9 | 8 | 31 | 27 | 16 | −40 | 3 | 4 |
| Interest | 3,693 | 3,836 | 3,960 | 4,066 | 3,976 | 3,928 | 4,017 | 4,370 |
| 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 |
| Net Profit | 1,133 | 1,050 | 1,000 | 1,041 | 1,119 | 1,265 | 1,466 | 1,628 |
| EPS (₹) | 2.87 | 2.87 | 2.77 | 2.48 | 2.72 | 2.96 | 3.54 | 3.65 |
Profit & Loss
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| Sales | 9,835 | 10,162 | 13,631 | 18,178 | 28,322 | 31,566 | 32,695 |
| Expenses | 2,826 | 2,908 | 3,018 | 3,951 | 8,032 | 8,458 | 8,476 |
| Operating Profit | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — |
| Other Income | 152 | 260 | 150 | 21 | 47 | −23 | −17 |
| Interest | 5,213 | 4,889 | 6,601 | 9,568 | 15,030 | 15,985 | 16,290 |
| 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 |
| Net Profit | 1,245 | 1,801 | 2,946 | 3,327 | 3,655 | 4,891 | 5,478 |
| EPS (₹) | 3.20 | 4.69 | 8.51 | 8.41 | 9.64 | 11.42 | 12.87 |
Balance Sheet
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 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 | — |
| Other Liabilities | 3,792 | 4,319 | 4,745 | 4,765 | 6,422 | 8,266 | — |
| Total Liabilities | 82,930 | 1,02,376 | 1,35,626 | 1,76,694 | 2,48,320 | 2,90,504 | — |
| 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 | 1,21,619 | 1,66,763 | 2,36,434 | 2,78,358 | — |
| Total Assets | 82,930 | 1,02,376 | 1,35,626 | 1,76,694 | 2,48,320 | 2,90,504 | — |
| Borrowing | 69,166 | 86,343 | 1,13,541 | 1,48,512 | 2,08,851 | 2,36,376 | — |
Cash Flows
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from Operating Activity | 3,137 | −14,387 | −23,190 | −37,999 | −30,088 | −37,965 |
| Cash from Investing Activity | −2,626 | −2,614 | −2,263 | 5,758 | 3,382 | 282 |
| Cash from Financing Activity | −2,787 | 17,056 | 26,430 | 35,952 | 29,412 | 31,848 |
| Net Cash Flow | −2,275 | 55 | 977 | 3,712 | 2,706 | −5,834 |
Ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | 8.6 |
| ROE % | 11.0 | 15.0 | 21.0 | 15.0 | 13.0 | 12.0 |
| EPS (₹) | 3.20 | 4.69 | 8.51 | 8.41 | 9.64 | 11.42 |
| Book Value (₹) | — | — | — | — | — | 108.0 |
| Face Value (₹) | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | 24.9 |
| Div Yield % | — | — | — | — | — | 0.18 |
| NPM % | 12.5 | 17.3 | 21.4 | 18.3 | 12.9 | 15.5 |
| OPM % | — | — | — | — | — | — |
| D/E | 6.94 | 7.37 | 6.55 | 6.34 | 6.32 | 5.15 |
| P/B | — | — | — | — | — | 3.0 |
Growth
Compounded sales growth
5 years+26.0%
3 years+32.0%
TTM+11.0%
Compounded profit growth
5 years+34.0%
3 years+17.0%
TTM+30.0%
Return on equity
5 years14.0%
3 years13.0%
Last year12.0%
Documents
Announcements
Closure of Trading WindowAnnouncement under Regulation 30 (LODR)-Change in ManagementAnnouncement under Regulation 30 (LODR)-AllotmentGrant Of Stock Options Under The ESOP Scheme Of The CompanyAnnouncements Under Regulations 30 And 51 Of SEBI Listing RegulationsAnnual reports
Annual Report 2026Corporate actions
27 Jul 2026DIVIDENDDividend - Re 0.57 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman