financial_services · TATACAP
Tata Capital
Tata Capital: PE above historical average. NARROW LEADERSHIP regime.
Price
₹350.15
Price 2026-07-06
5 day
-3.15%
Short-term move
1 month
+11.23%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹148.7k Cr
neutral sector flow
FinGenie AI
Get an intelligence answer grounded in today's published data
“How does today's NARROW LEADERSHIP regime affect Tata Capital (TATACAP) in the financial_services sector?”
Price chart
₹349
+5.72% over period
About Tata Capital
Tata Capital Limited, through its subsidiaries, provides various financial services to retail, SME, corporate, and institutional customers in India, Singapore, and the United Kingdom. The company operates through three segments: Financing Activity, Investment Activity, and Others. It offers loans for retail and corporate borrowers, including asset financing, term loans, channel financing, credit substitutes, investments linked to/arising out of lending business, bill and invoice discounting, and power project finance. It also offers home loans, loans against property, personal loans, business loans, two wheeler loans, car loans, commercial vehicle loans, construction equipment loans, loans against securities, microfinance loans, and education loans. Additionally it provides supply chain finance, equipment finance, cleantech and infrastructure finance, and developer finance. The company also engages in the provision of corporate investment, advisory, wealth management, private equity fund management, and leasing services, as well as the distribution of financial products. In addition, it offers insurance and credit card distribution services. Tata Capital Limited was formerly kno...
At a Glance
52-week position
Trading at 92.2% of 52-week high
Technicals
RSI 14
56.6
Trend
uptrend
50 DMA
Above
200 DMA
—
Key metrics
P/E ratio
30.0
50th pct · 4 quarterly points (limited history)
P/B
3.3
ROE
12.0%
Moderate profitability — 12.0% ROE
Market cap
₹148.7k Cr
Revenue growth
700.0% YoY
Promoter
86.0%
52-week range
₹296 – ₹379.95
92.2% of high
RSI (14)
56.6
uptrend
vs 50 DMA
Above
DMA ₹329.29
Fundamental
73/100
STRONG
Trust
75/100
Verification
Coverage
100/100
HIGH
Quick Take
Tata Capital scores 73/100 on fundamentals (strong). Tata Capital: PE above historical average. NARROW LEADERSHIP regime.
Fundamental Score: 73/100 · STRONG · 1 signals detected
DuPont Analysis
ROE 8.3% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 8.31% is modest leverage-driven and stable. Net margin 12.5%, asset turnover 0.1x, leverage 6.3x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 12.5% means the company keeps ₹12.5 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.10x means the company generates ₹0.10 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 6.3x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
54.0%
Operating
15.4%
Net
12.5%
Gross margin 54.0% → operating margin 15.4% → net margin 12.5%. Margins are IMPROVING. Strong pricing power with stable gross margins suggests the improvement is from operating leverage — sustainable.
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJAJFINSV Bajaj Finserv | ₹1,870.7 | +6.4% | 30.9 | 14.6% | 530% | ₹3.0L Cr |
| BAJAJHLDNG Bajaj Holdings | ₹10,819 | +3.4% | 12.4 | 12.6% | -4830% | ₹1.2L Cr |
| ABCAPITAL Aditya Birla Capital | ₹409.75 | +6.3% | 28.4 | 11.2% | 770% | ₹1.1L Cr |
| 360ONE 360 ONE WAM | ₹1,133.3 | +4.0% | 39.3 | 14.4% | 2690% | ₹46.8k Cr |
| ANANDRATHI Anand Rathi Wealth | ₹2,095.5 | +5.4% | 87.4 | 46.7% | 4760% | ₹34.1k Cr |
| ANGELONE Angel One | ₹345.95 | +5.2% | 34.1 | 15.5% | 3350% | ₹30.7k Cr |
| AADHARHFC Aadhar Housing Finance | ₹556.5 | +7.3% | 22 | 15.8% | 2090% | ₹23.9k Cr |
| APTUS Aptus Value Housing | ₹285.5 | +6.9% | 15.2 | 20.1% | 2210% | ₹14.3k Cr |
| TATACAP Tata Capital | ₹350.15 | -5.1% | 30 | 12% | 700% | ₹1.5L Cr |
Bank Metrics
Return on Assets
1.31%
Benchmark: >1%
Efficiency Ratio
87.5%
Lower is better
Asset Growth
%
Year over year
PB Ratio
3.2x
Price to book
ROA of 1.31% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 3.24x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹368 (+5%)
Trend reversal confirmation
Breaks below ₹333 (-5%)
Further downside risk
PE reverts to median of 29.4 (4 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
OCF is only -10.0x net income. Profit not converting to cash — aggressive accounting possible.
Working capital is consuming significant cash. Operational efficiency declining.
High revenue multiple. Market pricing in significant growth or margins expansion.
Collection cycle changing. Collection improving — positive for cash flow.
Strong insider alignment. Promoters have significant skin in the game.
⚠️ 1 critical + 2 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes