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Tata Capital (TATACAP)₹353.05+0.38%Non Banking Financial Company (NBFC)
In the Sep 2026 quarter (consolidated), Tata Capital reported revenue of ₹9,317 Cr, up 20.7% from Sep 2025, and net profit of ₹1,826 Cr, up 63.7% year on year. For the year to Mar 2026, revenue were ₹31,472 Cr and net profit ₹4,879 Cr.
Company filings, consolidated accounts; latest reported quarter Sep 2026
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7,164 | 7,082 | 7,460 | 7,643 | 7,719 | 7,955 | 8,136 | 8,791 | 9,317 |
| Interest | 3,691 | 3,834 | 3,962 | 4,065 | 3,974 | 3,930 | 4,013 | 4,371 | 4,678 |
| Net interest income | 3,474 | 3,248 | 3,498 | 3,578 | 3,746 | 4,025 | 4,122 | 4,420 | 4,639 |
| Expenses | 1,919 | 1,768 | 2,077 | 2,131 | 2,142 | 2,178 | 2,031 | 2,148 | 2,135 |
| Financing Profit | 1,579 | 1,511 | 1,450 | 1,476 | 1,630 | 1,881 | 2,123 | 2,316 | 2,537 |
| Financing Margin % | 22.0% | 21.1% | 19.0% | 19.1% | 21.0% | 24.0% | 26.0% | 26.1% | 27.0% |
| Other Income | 9.03 | 8.01 | 31.06 | 27.08 | 16.04 | −40.12 | 3.01 | 4.01 | 17.04 |
| Depreciation | 91.99 | 98.86 | 109 | 118 | 135 | 142 | 143 | 154 | 165 |
| Profit before tax | 1,494 | 1,415 | 1,369 | 1,383 | 1,508 | 1,696 | 1,980 | 2,161 | 2,384 |
| Tax % | 24.0% | 26.0% | 27.0% | 25.0% | 26.0% | 25.0% | 26.0% | 25.0% | 23.0% |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −31.95 | 0.00 | 0.00 | 0.00 |
| Net Profit | 1,130 | 1,046 | 997 | 1,038 | 1,115 | 1,262 | 1,462 | 1,622 | 1,826 |
| EPS (Rs) | 2.88 | 2.88 | 2.78 | 2.49 | 2.73 | 2.97 | 3.55 | 3.66 | 3.92 |
| Gross NPA % | 0.8% | 2.3% | 2.3% | 2.6% | 2.9% | 2.9% | 2.6% | 2.5% | — |
| Net NPA % | 0.4% | 1.0% | 1.0% | 1.2% | 1.4% | 1.4% | 1.2% | 1.1% | — |
| Provision coverage (approx., excl. write-offs) % | 50.0% | 58.5% | 57.9% | 52.7% | 51.6% | 52.8% | 55.9% | 56.3% | — |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| Revenue | 9,809 | 10,130 | 13,596 | 18,135 | 28,253 | 31,472 | 34,199 |
| Interest | 5,210 | 4,889 | 6,602 | 9,559 | 15,037 | 15,970 | 16,992 |
| Net interest income | 4,599 | 5,242 | 6,995 | 8,576 | 13,216 | 15,502 | 17,206 |
| Expenses | 2,834 | 2,914 | 3,029 | 3,961 | 8,050 | 8,479 | 8,492 |
| Financing Profit | 1,800 | 2,370 | 4,025 | 4,672 | 5,274 | 7,140 | 8,857 |
| Financing Margin % | 18.0% | 23.0% | 29.1% | 26.1% | 19.0% | 23.0% | 25.9% |
| Other Income | 152 | 261 | 150 | 21.06 | 47.10 | −23.07 | −16.06 |
| Depreciation | 334 | 276 | 226 | 288 | 389 | 538 | 604 |
| Profit before tax | 1,617 | 2,350 | 3,936 | 4,396 | 4,924 | 6,569 | 8,221 |
| Tax % | 23.0% | 23.0% | 25.0% | 24.0% | 26.0% | 25.0% | — |
| Exceptional items | 0.00 | 6.99 | −1.99 | 11.98 | 10.99 | −29.95 | −31.95 |
| Net Profit | 1,241 | 1,797 | 2,935 | 3,318 | 3,645 | 4,879 | 6,172 |
| EPS (Rs) | 3.21 | 4.71 | 8.54 | 8.43 | 9.67 | 11.45 | 14.10 |
| Dividend payout % | 0.0% | 3.0% | 2.0% | 2.0% | 4.0% | 5.0% | — |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 3,478 | 3,474 | 3,518 | 3,717 | 3,775 | 4,235 |
| Reserves | 6,536 | 8,278 | 13,881 | 19,788 | 29,394 | 41,822 |
| Borrowings | 69,448 | 86,601 | 1,13,890 | 1,49,033 | 2,09,570 | 2,37,350 |
| Other Liabilities | 3,810 | 4,340 | 4,768 | 4,788 | 6,453 | 8,306 |
| Total Liabilities | 83,271 | 1,02,694 | 1,36,056 | 1,77,326 | 2,49,193 | 2,91,712 |
| Fixed Assets | 900 | 718 | 733 | 1,189 | 2,002 | 2,603 |
| CWIP | 8.01 | 11.02 | 20.03 | 8.01 | 16.02 | 33.06 |
| Investments | 4,649 | 7,837 | 13,240 | 8,732 | 9,853 | 9,508 |
| Other Assets | 77,714 | 94,125 | 1,22,063 | 1,67,397 | 2,37,320 | 2,79,567 |
| Trade receivables | 26.93 | 31.91 | 74.82 | 141 | 129 | 206 |
| Cash & equivalents | 2,051 | 2,136 | 3,319 | 6,993 | 10,208 | 3,757 |
| Total Assets | 83,271 | 1,02,694 | 1,36,056 | 1,77,326 | 2,49,193 | 2,91,712 |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from operating activity | 3,131 | −14,351 | −23,131 | −37,934 | −30,042 | −37,863 |
| Cash from investing activity | −2,618 | −2,607 | −2,256 | 5,744 | 3,371 | 281 |
| Cash from financing activity | −2,780 | 17,026 | 26,370 | 35,875 | 29,343 | 31,793 |
| Net cash flow | −2,273 | 54.96 | 977 | 3,709 | 2,707 | −5,834 |
| Capex | 60.91 | 39.94 | 208 | 696 | 1,020 | 994 |
| Free cash flow | 3,119 | −14,311 | −23,257 | −38,512 | −30,981 | −38,818 |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 11.0% | 15.0% | 21.0% | 15.0% | 13.0% | 12.0% |
For the Sep 2026 quarter, Tata Capital reported revenue of ₹9,317 Cr, up 20.7% year on year and net profit of ₹1,826 Cr, up 63.7% year on year.
Tata Capital's revenue for the year to Mar 2026 were ₹31,472 Cr; over the last twelve months they were ₹34,199 Cr.
Net profit for the year to Mar 2026 was ₹4,879 Cr, and ₹6,172 Cr over the last twelve months. Earnings per share over the same trailing period were ₹14.10.
Cash from operations was −₹37,863 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹38,818 Cr.