ALFA Finder| Revenue growth | 20% YoY Net Total Income growth in FY26. |
|---|---|
| Margins | Cost to income improved from 41.6% in FY25 to 38.3% in FY26. |
| Order book | Net AUM reached $29,293mn as of March 31, 2026. |
| Demand visibility | Strong Retail/SME demand; 15Mn+ app downloads and 7Mn+ monthly traffic. |
| Management confidence | High, citing 18 years of profitability and 'Tata' brand strength. |
Growth
FY26 Net Total Income grew 20% YoY to $1,648mn; PAT (excl. non-recurring) rose 38% to $515mn.
Outlook
Focus on AI-led insights and expanding the 1,477-branch network. Merger with Tata Motors Finance fully integrated from Q1FY26.
Risks
Gross Stage 3 assets at 2.0%; Motor Finance segment shows higher asset quality stress at 8.0% GS3.
Last quarter's promises, checked
Delivered
- AUM growth 18%-20% → delivered 20% (= BEAT)
- Cost-to-income 38%-39% → delivered 38.3% (= BEAT)
- Credit cost guidance ~1% → delivered 1% excl. Motor Finance (= BEAT)
Partly delivered
- Unsecured retail target 15% AUM → delivered 10.4% (= PARTIAL)
Earnings Call filed with BSE, NSE: TATACAP. Summary written with AI assistance from the document.
Tata Capital Ltd: key numbers
- Share price
- ₹356.15
- Market cap
- ₹1,51,181 Cr
- Revenue (annual)
- ₹31,540 Cr
- Net profit (annual)
- ₹4,846 Cr
- P/E (TTM)
- 25.3×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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