ALFA Finder| Margins | Cost to income ratio improved to 36.4% from 36.8% YoY. |
|---|---|
| Demand visibility | Strong retail and SME demand; customer franchise at 8.8mn. |
Growth
AUM grew 22.3% YoY to ₹2,90,502 Cr; PAT reached ₹1,547 Cr, up 56.3% YoY. Net Interest Income rose 25% YoY.
Outlook
Entering gold loans via Yogakshemam acquisition (AUM ₹700 Cr). Management expects book growth to catch up with disbursal growth.
Risks
Delinquency trends in personal loans and MFI are being proactively addressed; credit cost rose slightly QoQ to 1.0%.
Last quarter's promises, checked
Delivered
- Guided 23-25% AUM growth over FY25-28 → delivered 28% (ex-Motor) / 20% (incl-Motor) (= BEAT)
- Guided 38-39% cost-to-income ratio → delivered 38.3% (= BEAT)
- Guided 32-35% PAT growth → delivered 36% (= BEAT)
Partly delivered
- Guided credit cost near 1% → delivered 1.2% (= PARTIAL)
Investor Presentation 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.
More from Tata Capital Ltd
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- Execution
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Tata Capital Results Update
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- Key figure
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Tata Capital reports a robust start to FY27 following a historic IPO, focusing on digital/AI integration and expanding into gold loans.
- Call
- Guides 23% growth
Tata Capital Other Announcement
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