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TATA CAPITAL LIMITED

  • https://www.tatacapital.com/
  • Sector: Financial Services
  • CHRYSEUM SCORE: 7.00/10.00
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    TATA CAPITAL LIMITED

    • Sector: Financial Services
    • CHRYSEUM SCORE: 7.00/10.00

    Description: Tata Capital Limited is a financial and investment service provider in India. The company is based in Mumbai and has more than 100 branches across the country.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    3.98

    Avg P/B of Key Peers

    4.32

    P/B of Industry

    1.98

    Valuation Score

    1.00

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    41.23%

    PAT Growth

    29.41%

    BVPS Growth

    37.26%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    1.00

    Net NPA

    3.00

    Capital Adequacy

    2.00

    Key Metrics Score

    1.00

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹325.00 3 (0.93%)

As on 05 Dec, 2025
L 317.00 52 Week Range H 1115.00
Company Description : The company is the flagship Financial Services Company of Tata Group & is amongst the top 3 diversified NBFCs in India.
Company Overview
  • Name of Company TATA CAPITAL LIMITED
  • Sector Financial Services
  • ISIN INE976I01016
  • Scrip Code Tata Capital
  • CIN U65990MH1991PLC060670
  • Pan No AADCP9147P
  • Face Value 10
  • Price ₹ 325.00
  • No. of Shares outstanding 403.49 Cr.
  • Market Cap ₹ 131,133.24 Cr
Financials
  • Revenue from operations ₹ 28,312.74 Cr.
  • EBITDA ₹ 20,340.80 Cr.
  • EBITDA Margin % 71.84%
  • Profit After Tax ₹ 3,655.02 Cr.
  • PAT Margin % 12.88%
  • EPS 9.06
  • Stock P/E 35.87
  • Book Value Per Share 82.26
  • P/B 3.95
  • Debt/Equity 3.57
Other Key Statistics
  • 52 week High/Low 1115.00/317.00
  • Dividend Per Share 0.42
  • Dividend Yield 0.13%
  • Sales Growth - 3 years 41.23%
  • EBITDA Growth - 3 years 40.06%
  • PAT Growth - 3 years 29.29%
  • EPS Growth - 3 years 29.31%
  • ROE 11.01%
  • ROCE 17.28%
  • Cash Equivalents 9478.20
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name Tata Capital Limited Cholamandalam Investment and Fin Co Ltd Bajaj Finserv
Listing Status Unlisted Listed Listed
Revenue from Operations 28,312.74 23,747.74 133,821.05
Total Income 28,369.87 26,152.76 133,822.12
Finance Cost 15,029.64 12,494.53 24,309.70
Depreciation & Amortization 390.02 244.83 1,170.32
Total Expenses 23,448.73 20,411.31 110,091.90
EBITDA 20,340.80 18,480.81 49,210.24
PAT 3,655.02 4,262.70 17,557.64
No. of Eq. Shares Outstanding 403.49 84.09 159.67
EPS (in ₹) 9.06 50.69 109.96
Share Capital 3,762.44 168.25 159.41
Total Net Worth 33,191.81 23,668.69 128,434.23
Total Assets 248,465.01 201,886.76 652,231.61
Total Debt 118,620.40 133,791.98 132,102.99
Key Metrics:
CMP* 325.00 1,730.40 2,096.50
Market Cap (In Cr.) 131,133.24 125,972.95 321,248.41
Market Cap/Sales 4.64 4.82 2.40
EPS (Earnings Per Share) 9.06 50.69 109.96
BVPS (Book Value Per Share) 82.26 281.45 804.39
P/E 35.87 34.14 19.07
P/BV 3.95 6.15 2.61
EBITDA Margin 71.84% 70.66% 36.77%
ROE 11.01% 18.01% 13.67%
ROA 1.47% 2.11% 2.69%
*Market Price in ₹ as on 05 Dec, 2025

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 28,312.74 18,174.82 13,628.85 10,050.58 9,835.42
Y-o-Y Revenue Growth 55.78% 33.36% 35.60% 2.19% 2.57%
Other Income 57.13 23.56 8.64 202.07 152.30
Total Income 28,369.87 18,198.38 13,637.49 10,252.65 9,987.72
Total Expenses (Excludes Interest and Depreciation) 8,029.07 3,939.05 3,020.97 2,849.66 2,823.08
Operating Profit (After deducting Depreciation) 19,893.65 13,948.27 10,381.86 6,925.04 6,677.97
OPM % 70.26 76.75 76.18 68.90 67.90
EBITDA 20,340.80 14,259.33 10,616.52 7,402.99 7,164.64
Depreciation 390.02 287.50 226.02 275.88 334.37
EBIT 19,950.78 13,971.83 10,390.50 7,127.11 6,830.27
Interest 15,029.64 9,568.23 6,600.64 4,889.03 5,212.58
EBT before Exceptional Items 4,921.14 4,403.60 3,789.86 2,238.08 1,617.69
Prior period/Exceptional /Extra Ordinary Items -2.58 -11.57 146.70 0.00 0.00
Profit before tax/EBT 4,918.56 4,392.03 3,936.56 2,238.08 1,617.69
Tax 1,263.54 1,065.07 990.79 546.91 370.33
Net Profit 3,655.02 3,326.96 2,945.77 1,691.17 1,247.36
EPS in Rs 9.06 8.25 7.30 4.19 3.09
EPS Change % 9.86% 12.94% 74.19% 35.58% 904.07%
EBITDA Change % 42.65% 34.31% 43.41% 3.33% 5.47%
Profit growth 9.86% 12.94% 74.19% 35.58% 904.07%
ROCE 17.28% 55.11% 55.28% 53.20% 60.50%
ROE 11.01% 13.53% 16.23% 13.18% 12.51%
Debt / Equity Ratio 3.57 3.22 3.03 3.01 6.33
Sales growth 3Years 41.23% 21.83%
Sales growth 5Years 24.18% 13.64%
Dividend per share 0.42 0.21 0.21

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 3,762.44 3,703.05 3,507.07 3,463.35 3,463.60
Reserves 29,429.37 20,879.06 14,641.60 9,372.64 6,509.40
Total shareholders' funds 33,191.81 24,582.11 18,148.67 12,835.99 9,973.00
Borrowings 118,620.40 79,142.88 54,934.13 38,639.92 63,158.26
Other Liabilities 2,536.29 1,642.95 2,197.19 1,406.64 8,096.98
Total Liabilities 214,094.37 152,111.87 117,477.43 89,550.29 72,123.47
Fixed Assets 1,923.27 1,144.52 700.07 694.29 874.34
Capital WIP 1.81 4.15 11.30 3.77 0.00
Investments 8,720.92 8,732.80 13,254.04 7,846.16 4,652.97
Other Assets 1,926.55 1,038.77 655.99 678.48 925.32
Total Assets 248,465.01 176,693.98 135,626.10 102,386.28 82,930.26
Cash Equivalents 9,478.20 6,995.58 3,316.59 2,135.82 2,050.63
Total Current liability 132,984.42 151,343.38 116,829.57 88,989.74 71,640.52
Total Assets -Total Current liabilty 115,480.59 25,350.60 18,796.53 13,396.54 11,289.74

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity -29,872.48 -37,998.54 -23,189.60 -14,386.84 3,136.76
Net Cash from / (used in) Investing Activity -39.52 5,757.21 -2,269.57 -2,617.10 -2,625.74
Net Cash from / (used in) Financing Activity 29,412.00 35,952.42 26,429.57 17,055.58 -2,786.68
Net Inc/Dec In Cash And Cash Equivalents -499.60 3,711.09 970.40 51.64 -2,275.66

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 385.56 95.56%
Non Promoters 17.93 4.44%

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