ALFA Finder| Margins | Net total income at 6.5%; expected margin improvement from high-yield segments. |
|---|---|
| Order book | Disbursements crossed ₹50,000 crores in Q4 FY26. |
| Demand visibility | Strong retail and SME demand; system credit expanding at 16%. |
| Management confidence | High; citing steady India growth and robust capital buffers. |
Growth
AUM grew 28% (ex-Motor Finance) and 20% (including Motor Finance) YoY; PAT excluding non-recurring items grew 36% for FY26.
Outlook
Guided for 23-25% AUM growth through FY28, targeting ROA of 2.5-2.7% and cost-to-income ratio of 33-34%.
Risks
Geopolitical conflicts in West Asia affecting inflation and supply chains, plus evolving El Niño impacts on rural demand.
Earnings Call filed with NSE, NSE: TATACAP. Summary written with AI assistance from the document.
Tata Capital Ltd: key numbers
- Share price
- ₹359.15
- Market cap
- ₹1,52,454 Cr
- Revenue (annual)
- ₹31,540 Cr
- Net profit (annual)
- ₹4,846 Cr
- P/E (TTM)
- 25.6×Sector 20.8×
- Promoter holding
- 85.41%+0.00% QoQ
- FII holding
- 5.06%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Key figure
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- Call
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