Tata Capital
BSE: TATACAP · Non Banking Financial Company (NBFC)
Snapshot
Unlock Tata Capital's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Tata Capital is the flagship financial services company of the Tata Group, operating as a diversified non-banking financial company (NBFC). It provides a comprehensive suite of financial products including commercial finance, consumer loans, and wealth management services to individuals, SMEs, and corporates.
Business Model
The company generates revenue primarily through interest income from its diverse lending portfolio and fee-based income from wealth services and product distribution. It leverages the strong brand equity and synergy of the Tata Group to maintain a competitive position in the Indian financial services market.
- Loan Book:2.33 lakh crore
- Customer Base:7.3 Mn
Growth Outlook
The company focuses on scaling its diversified lending products and expanding its customer base across retail and corporate segments. Continued integration with the Tata ecosystem remains a primary driver for sustainable growth.
- Lending Products:Over 25
Key Risks
- Credit Risk. The company faces potential losses if borrowers fail to meet their repayment obligations, particularly within the SME and retail segments.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing funds.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Liquidity Risk. The business relies on efficient access to capital markets and debt funding to maintain its lending operations and meet liquidity requirements.
Price
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Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Tata CapitalTATACAP | 1,37,873 | — | — | — | — | — | — | — |
Shriram Finance Ltd.SHRIRAMFIN | 1,72,351 | 19.22 | — | 15.0% | — | 17.0% | — | +53.3% |
Muthoot Finance Ltd.MUTHOOTFIN | 1,25,725 | 11.36 | — | 54.4% | — | 33.3% | — | +13.1% |
Cholamandalam Investment and Finance Company Ltd.CHOLAFIN | 1,20,809 | 28.89 | — | 20.2% | — | 20.6% | — | +14.8% |
SBI Cards and Payment Services Ltd.SBICARD | 64,894 | 28.32 | — | 10.1% | — | 15.2% | — | -28.2% |
L&T Finance Ltd.LTF | 63,716 | 25.97 | — | 12.7% | — | 11.4% | — | +52.2% |
Financials
Tata Capital
BSE: TATACAP · Non Banking Financial Company (NBFC)
Snapshot
Unlock Tata Capital's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Tata Capital is the flagship financial services company of the Tata Group, operating as a diversified non-banking financial company (NBFC). It provides a comprehensive suite of financial products including commercial finance, consumer loans, and wealth management services to individuals, SMEs, and corporates.
Business Model
The company generates revenue primarily through interest income from its diverse lending portfolio and fee-based income from wealth services and product distribution. It leverages the strong brand equity and synergy of the Tata Group to maintain a competitive position in the Indian financial services market.
- Loan Book:2.33 lakh crore
- Customer Base:7.3 Mn
Growth Outlook
The company focuses on scaling its diversified lending products and expanding its customer base across retail and corporate segments. Continued integration with the Tata ecosystem remains a primary driver for sustainable growth.
- Lending Products:Over 25
Key Risks
- Credit Risk. The company faces potential losses if borrowers fail to meet their repayment obligations, particularly within the SME and retail segments.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing funds.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Liquidity Risk. The business relies on efficient access to capital markets and debt funding to maintain its lending operations and meet liquidity requirements.
Price
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Peers · Non Banking Financial Company (NBFC)
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