Tata Capital Ltd.
NSE: TATACAPTata Capital Ltd.: A 30-second snapshot
Tata Capital, an NBFC listed on the NSE since October 2025, trades at Rs 360.90, up 11.3% over the past 3 months and 4.9% below its 52-week high. Q1 FY27 (quarter ended June 30, 2026) results reported profit up 56% YoY alongside improved asset quality and a newly launched gold-lending business. Trailing PE of 28.52 compresses to a forward PE of 17.49, and mean analyst rating stands at 1.77 across 13 analysts (1-5 scale, lower = more constructive).
P/E
28.5
Forward P/E
17.5
ROE
—
Debt / Equity
502.93
Profit Margin
+39.7%
Div. Yield
+0.2%
5Y ROE > 15%
0/5
5Y FCF > 0
0/5
Quality
57/100
News
8 headlines · 4 positive · 0 negative
Tata Capital Q1 Profit Jumps 56 %, Declares Ambitious Growth Plans on Gold Lending - HDFC Sky
HDFC Sky
Tata Capital Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
marketscreener.com
TATACAP: Strong Q1 FY27 growth, stable asset quality, and expansion into gold loans via acquisition - TradingView
TradingView
TATACAP: AUM and PAT surged YoY, asset quality improved, and gold loan business launched via acquisition - TradingView
TradingView
Tata Capital sets record date for FY26 final dividend; key details here - Business Today
Business Today
Recent context
- ·Q1 FY27 results (quarter ended June 30, 2026) showed profit up 56% YoY and improved asset quality, alongside the launch of a gold-lending business via acquisition (HDFC Sky, TradingView; July 28-29, 2026).
- ·The company set a record date for its FY26 final dividend in mid-July 2026 (Business Today, July 13, 2026).
- ·Of 8 tracked news items, none were negative (4 positive, 4 neutral), consistent with the stock trading within 4.9% of its 52-week high.
Strengths
- +Q1 FY27 profit grew 56% YoY per recent coverage, with 8 tracked news items skewing positive (4 positive, 4 neutral, 0 negative).
- +Forward PE of 17.49 versus trailing PE of 28.52 implies the market is pricing continued earnings growth.
- +Mean analyst rating of 1.77 across 13 covering analysts (1-5 scale, lower = more constructive).
- +Revenue and earnings 5-year CAGRs of 40.3% and 47.2% respectively, among the higher growth rates in the tracked peer set.
Weaknesses
- −Persistence data shows 0 years with ROE above 15% and 0 years of positive free cash flow in tracked history, a consistency score of 15/100, and a 'rising' debt trend — FCF-negative and high leverage are structurally common for NBFCs funding loan-book growth, but the rising trend is worth tracking.
- −Quality score of 49 ranks 3rd of 6 in the Banking/NBFC peer set — mid-pack, behind AXISBANK (70) and HDFCBANK (66).
- −Listed in October 2025, the stock has exactly 200 bars of price history (the minimum needed for a 200-DMA) and priceChange1Y is not yet computable, limiting longer-horizon trend context.
- −Current price of Rs 360.90 sits within 0.7% of the nearest resistance level (Rs 363.39); dividend yield is minimal at 0.16%.
Open questions
- ?Does the 56% YoY Q1 profit jump reflect a durable shift in NBFC unit economics, or does it lean on the newly launched gold-lending line and other one-off factors?
- ?How does the persistence data's zero years of ROE above 15% and zero FCF-positive years reconcile with a forward PE of 17.49 that implies continued earnings expansion?
- ?With only about 10 months of trading history since the October 2025 listing, how much weight should the 3-month price move (+11.3%) carry relative to the company's longer pre-listing financial history?
- ?Given TATACAP's mid-pack quality score (3rd of 6) versus peers like AXISBANK and HDFCBANK, which specific operating metrics would need to shift for that ranking to change?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| TATACAP | Tata Capital Ltd.You're viewing | 28.5 | — | 49 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹360.90
SMA 50
₹339.90
SMA 200
₹332.58
RSI (14)
59.3 (neutral)
From 52w high
-4.9%
1Y return
—
3M return
+11.3%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumPersistence data shows 0 years with ROE above 15% and 0 years of positive free cash flow in tracked history, with a consistency score of 15/100 and a 'rising' debt trend. D/E of 502.9 on the raw (Yahoo percentage-scaled) figure equates to roughly 5.0x equity, which is structurally typical for an NBFC funding loan-book growth rather than a solvency signal on its own, but the rising trend combined with zero FCF-positive years is worth tracking over subsequent quarters.
- lowQuality score of 49 ranks 3rd of 6 in the Banking/NBFC peer set (AXISBANK 70, HDFCBANK 66, TATACAP 49, BAJFINANCE 47, HDFCLIFE 33, BAJAJFINSV 23) — mid-pack rather than peer-leading. PE of 28.52 also ranks 3rd of 6, above AXISBANK (13.84x) and HDFCBANK (16.35x) but below BAJFINANCE (35.06x) and HDFCLIFE (59.88x).
- lowTATACAP listed on NSE in October 2025. The technical dataset has exactly 200 bars available — the minimum needed to compute a 200-DMA — and priceChange1Y is null, so the current SMA200 of Rs 332.58 draws on close to the full trading history since listing rather than a multi-year baseline, and no 1-year price-return comparison is yet possible.
- lowCurrent price of Rs 360.90 sits just 0.7% below the nearest resistance level of Rs 363.39, with RSI at 59.33 (neutral). Nearest support at Rs 339.28 is roughly 6% below current price.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days