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TATA CAPITAL LIMITED

  • https://www.tatacapital.com/
  • Sector: Financial Services
  • CHRYSEUM SCORE: 6.50/10.00
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    TATA CAPITAL LIMITED

    • Sector: Financial Services
    • CHRYSEUM SCORE: 6.50/10.00

    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

    13.49

    Avg P/B of Key Peers

    3.96

    P/B of Industry

    1.59

    Valuation Score

    0.00

    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

    22.71%

    PAT Growth

    38.68%

    BVPS Growth

    35.08%

    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

    1.88%

    Net NPA

    0.38%

    Capital Adequacy

    64.00%

    Key Metrics Score

    1.50

    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.

₹895.00 10 (1.13%)

As on 18 Apr, 2025
L 850.00 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 ₹ 895.00
  • No. of Shares outstanding 374.64 Cr.
  • Market Cap ₹ 335,303.44 Cr
Financials
  • Revenue from operations ₹ 18,174.82 Cr.
  • EBITDA ₹ 14,259.33 Cr.
  • EBITDA Margin % 78.46%
  • Profit After Tax ₹ 3,326.96 Cr.
  • PAT Margin % 18.28%
  • EPS 8.88
  • Stock P/E 100.79
  • Book Value Per Share 65.62
  • P/B 13.64
  • Debt/Equity 3.22
Other Key Statistics
  • 52 week High/Low 1115.00/850.00
  • Dividend Per Share 0.21
  • Dividend Yield 0.02%
  • Sales Growth - 3 years 22.71%
  • EBITDA Growth - 3 years 25.79%
  • PAT Growth - 3 years 38.68%
  • EPS Growth - 3 years 38.67%
  • ROE 13.53%
  • ROCE 55.11%
  • Cash Equivalents 6995.58
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY24
Company Name Tata Capital Limited Cholamandalam Investment and Fin Co Ltd Bajaj Finserv
Listing Status Unlisted Listed Listed
Revenue from Operations 18,174.82 19,139.62 110,381.91
Total Income 18,198.38 19,419.87 110,383.00
Finance Cost 9,568.23 9,230.75 18,399.51
Depreciation & Amortization 287.50 198.06 900.13
Total Expenses 13,794.78 14,814.56 89,016.06
EBITDA 14,259.33 14,034.12 40,666.58
PAT 3,326.96 3,420.06 8,147.79
No. of Eq. Shares Outstanding 374.64 84.04 159.67
EPS (in ₹) 8.88 40.69 51.03
Share Capital 3,703.05 168.06 159.41
Total Net Worth 24,582.11 19,593.24 103,775.85
Total Assets 176,693.98 156,686.41 537,929.63
Total Debt 79,142.88 104,511.13 111,617.47
Key Metrics:
CMP* 895.00 1,587.30 2,035.30
Market Cap (In Cr.) 335,303.44 107,792.81 252,360.43
Market Cap/Sales 18.32 5.55 2.29
EPS (Earnings Per Share) 8.88 40.69 51.03
BVPS (Book Value Per Share) 65.62 233.14 649.95
P/E 100.79 39.01 39.88
P/BV 13.64 6.81 3.13
EBITDA Margin 78.46% 73.32% 36.84%
ROE 13.53% 17.46% 7.85%
ROA 1.88% 2.18% 1.51%
*Market Price in ₹ as on 18 Apr, 2025

Profit Loss

FY24 FY23 FY22 FY21 FY20
Revenue from operations 18,174.82 13,628.85 10,050.58 9,835.42 9,588.84
Y-o-Y Revenue Growth 33.36% 35.60% 2.19% 2.57% 7.31%
Other Income 23.56 8.64 202.07 152.30 201.74
Total Income 18,198.38 13,637.49 10,252.65 9,987.72 9,790.58
Total Expenses (Excludes Interest and Depreciation) 3,939.05 3,020.97 2,849.66 2,823.08 2,997.65
Operating Profit (After deducting Depreciation) 13,948.27 10,381.86 6,925.04 6,677.97 6,205.39
OPM % 76.75 76.18 68.90 67.90 64.71
EBITDA 14,259.33 10,616.52 7,402.99 7,164.64 6,792.93
Depreciation 287.50 226.02 275.88 334.37 385.80
EBIT 13,971.83 10,390.50 7,127.11 6,830.27 6,407.13
Interest 9,568.23 6,600.64 4,889.03 5,212.58 5,770.87
EBT before Exceptional Items 4,403.60 3,789.86 2,238.08 1,617.69 636.26
Prior period/Exceptional /Extra Ordinary Items -11.57 146.70 0.00 0.00 0.00
Profit before tax/EBT 4,392.03 3,936.56 2,238.08 1,617.69 636.26
Tax 1,065.07 990.79 546.91 370.33 512.03
Net Profit 3,326.96 2,945.77 1,691.17 1,247.36 124.23
EPS in Rs 8.88 7.86 4.51 3.33 0.33
EPS Change % 12.94% 74.19% 35.58% 904.07% -87.22%
EBITDA Change % 34.31% 43.41% 3.33% 5.47% -0.62%
Profit growth 12.94% 74.19% 35.58% 904.07% -87.22%
ROCE 55.11% 55.28% 53.20% 60.50% 66.88%
ROE 13.53% 16.23% 13.18% 12.51% 1.41%
Debt / Equity Ratio 3.22 3.03 3.01 6.33 7.54
Sales growth 3Years 22.71%
Sales growth 5Years 15.26%
Dividend per share 0.21 0.21

Balance Sheet

FY24 FY23 FY22 FY21 FY20
Share Capital 3,703.05 3,507.07 3,463.35 3,463.60 3,463.75
Reserves 20,879.06 14,641.60 9,372.64 6,509.40 5,357.21
Total shareholders' funds 24,582.11 18,148.67 12,835.99 9,973.00 8,820.96
Borrowings 79,142.88 54,934.13 38,639.92 63,158.26 66,513.78
Other Liabilities 1,642.95 2,197.19 1,406.64 8,096.98 6,791.75
Total Liabilities 152,111.87 117,477.43 89,550.29 72,123.47 73,993.85
Fixed Assets 1,144.52 700.07 694.29 874.34 1,070.68
Capital WIP 4.15 11.30 3.77 0.00 0.76
Investments 8,732.80 13,254.04 7,846.16 4,652.97 1,499.77
Other Assets 1,038.77 655.99 678.48 925.32 982.77
Total Assets 176,693.98 135,626.10 102,386.28 82,930.26 83,309.37
Cash Equivalents 6,995.58 3,316.59 2,135.82 2,050.63 4,320.17
Total Current liability 151,343.38 116,829.57 88,989.74 71,640.52 73,729.67
Total Assets -Total Current liabilty 25,350.60 18,796.53 13,396.54 11,289.74 9,579.70

Cash Flow

FY24 FY23 FY22 FY21 FY20
Net Cash from / (used in) Operating Activity -37,998.54 -23,189.60 -14,386.84 3,136.76 286.16
Net Cash from / (used in) Investing Activity 5,757.21 -2,269.57 -2,617.10 -2,625.74 381.04
Net Cash from / (used in) Financing Activity 35,952.42 26,429.57 17,055.58 -2,786.68 1,756.83
Net Inc/Dec In Cash And Cash Equivalents 3,711.09 970.40 51.64 -2,275.66 2,424.03

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 336.87 91.67%
Non Promoters 30.61 8.33%

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