Concern
Less profitable than peers
ROE of 10.4% is below the non banking financial company nbfc median of 17.9%.
Importance 51 / 95 · profitability
Tata Capital Limited · Research view
Tata Capital Limited
NSE: TATACAPBSE: 544574ISIN INE976I01016Face value ₹10standalone
₹319
−3.50% · 2026-10-01 · 52-wk ₹298–₹383
Financials to FY2026 · 1 years of history · prices to 2026-10-01consolidatedstandalone
Section 02 · Synthesis
What stands out?
The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.
StrengthConcernWatchContext
Section 03 · The company
Who is this company?
Classified by the exchange under Financial Services › Financial Services › Finance › Non Banking Financial Company (NBFC).
- Market cap
- ₹1.35 L cr
- FY2026 revenue
- ₹23,052 cr
- FY2026 net profit
- ₹3,201 cr
- Net worth
- ₹39,013 cr
- Total debt
- —net cash
- EPS (basic)
- ₹7.77
- Listed
- NSE · BSE
- Reporting
- Ind-AS (NBFC)Apr–Mar
Peer set used on this page: 5 non banking financial company (nbfc).
Section 04 · Business performance
Is the business growing?
RevenueNet profit
Revenue and profit over the loaded history are shown above.
- Revenue growth per year
- —over 0 years
- Revenue growth
- —vs last year
- Net profit growth
- —vs last year
- Change in net profit since FY26
- 0%
Section 05 · Recent activity
What changed recently?
Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.
Strength
Q1 FY27 revenue of ₹8,822 cr is the highest of the 4 quarters on record for this company.
Rule QTR_REVENUE_AT_RECORD
Strength
Q1 FY27 net profit of ₹1,628 cr is the highest of the 4 quarters on record for this company.
Rule QTR_PROFIT_AT_RECORD
A. Quarterly results
RevenueNet profit
| Quarter | Revenue | YoY | Net profit | YoY | Net margin |
|---|---|---|---|---|---|
| Q2 FY26 | 7,737 | — | 1,119 | — | 14.5% |
| Q3 FY26 | 7,975 | — | 1,265 | — | 15.9% |
| Q4 FY26 | 8,160 | — | 1,466 | — | 18.0% |
| Q1 FY27 | 8,822 | — | 1,628 | — | 18.5% |
B. TTM snapshot
Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters
- Revenue
- ₹32,695 crTTM
- EBITDA
- ₹24,241 crTTM
- EBIT
- ₹23,667 crTTM
- PBT
- ₹7,333 crTTM
- Net profit
- ₹5,478 crTTM
C. Corporate actions
27 Jul 2026DividendFinal Dividend - Rs. - 0.5700 — ₹0.57/share
Section 06 · Business performance
Is it becoming more profitable?
EBITDA marginNet margin
Concern
ROE of 10.4% is below the non banking financial company nbfc median of 17.9%.
Rule ROE_BELOW_PEER_MEDIAN
- EBITDA margin now
- 68.5%
- 1-year range
- 68.5–68.5%
- ROE FY2026
- 8.2%
- ROCE FY2026
- —
Section 07 · Financial health
Is financial health improving?
Net worth (shareholders' funds)
Leverage and cash generation over the loaded history are shown above.
- Total debt
- —
- Operating cash flow ÷ net profit
- -7.15×FY2026
- Free cash flow
- ₹−23,812 cr
- Current ratio
- —
Section 08 · Relative position
How does it compare with peers?
Ranked against 5 non banking financial company (nbfc) (FY2026, consolidated). No peer-relative rule fired for this company.
Revenue growth
TATACAP · set median 18.9%
EBITDA margin
TATACAP · 3rd of 5 · set median 73.3%
Return on equity
TATACAP · 5th of 5 · set median 17.9%
P/E ratio
TATACAP · 4th of 5 · set median 23.5×
- P / E
- 24.6×TTM to Jun 26
- P / B
- 2.9×latest book
- P / S
- 4.1×TTM sales
- Earnings yield
- 4.1%TTM to Jun 26
On the trailing twelve months. Last full year: P/E 27.5× · P/S 4.3× · ROE 10.4%.
Section 09 · The stock
How has the stock performed?
Long-term price performance is shown above.
- 1-year return
- —
- 3-year return
- —
- 5-year return
- —
- From 52-wk high
- −16.6%
Section 10 · Technical data
What does the technical data say?
Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.
- vs 50-day avg
- Below₹358
- vs 200-day avg
- Below₹340
- RSI (14)
- 30.0neutral
- MACD histogram
- -3.3
- From 52-wk high
- −16.6%
- From 52-wk low
- +7.3%
- 30-day volatility
- 27.0%ann.
- 6-month return
- −0.3%
Section 11 · Open questions
What should I investigate further?
Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.
- ConcernLess profitable than peersROE of 10.4% is below the non banking financial company nbfc median of 17.9%.ROE_BELOW_PEER_MEDIAN · conviction 51
- Only 1 annual year(s) of financials loaded — multi-year trend analysis is limited.
- Some ratios for this company's sector are not yet computed — a few insight rules cannot run.
Section 12 · Reference
The numbers
The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.
| Metric | FY26 |
|---|---|
| Revenue | 23,052 |
| Total income | 23,089 |
| EBITDA | 15,799 |
| Profit before tax | 4,257 |
| Net profit | 3,201 |
| EPS (₹) | 7.8 |
| Net worth | 39,013 |
| Operating cash flow | −22,875 |
| Free cash flow | −23,812 |
| Ratio | FY26 |
|---|---|
| Growth | |
| Revenue growth YoY | — |
| Profit growth YoY | — |
| Profitability | |
| EBITDA margin % | 68.5 |
| Net margin % | 13.9 |
| Return on equity % | 8.2 |
| Return on capital % | — |
| Leverage & cash | |
| Debt to equity | — |
| Cash flow ÷ profit | -7.15 |
| Current ratio | — |