Tata Capital Ltd (TATACAP) fair value: what the stock is really worth
We calculate from audited financials what Tata Capital Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 18, 2026.
How to read this chart
11‑month range ₹297.30 – ₹382.70 · fair‑value band ₹89.56 – ₹186.76 · the ₹351.35 price screens above the ₹149.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 18, 2026.
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.
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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 known as Primal Investments and Finance Limited and changed its name to Tata Capital Limited in May 2007. Tata Capital Limited was incorporated in 1991 and is based in Mumbai, India. Tata Capital Limited operates as a subsidiary of Tata Sons Private Limited.
Stock analysis
Tata Capital Ltd (TATACAP) currently trades at ₹351.35, while our model-based Fair Value estimate is ₹149.40, implying the stock looks roughly 135.2% overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹286.74 per share, and 1 of the 8 models we run sit above the ₹351.35 price.
Bear case: the Asset-Based group reads lowest at ₹72.87, and 7 of the 8 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹89.56 (bear) to ₹186.76 (bull), the price of ₹351.35 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Tata Capital Ltd reported revenue of ₹308B in FY2026 versus ₹122B in FY2023, a compound +36.1%/yr.
Key figures
Market cap ₹1.5T (≈ $15.4B) · P/E ratio 29.9 · P/S ratio 4.70 · EPS (TTM) ₹11.77 · Dividend yield 0.1% · Net margin 15.7% · Return on equity 12.0% · Return on assets 1.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at −57%, TATACAP screens richer than that median.
Fair Value models
Bear ₹89.56Fair Value ₹149.40Bull ₹186.76
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹5.61 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+10.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+36.1%
’23
’24
’25
’26
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
24.6% (2023) → 18.9% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 1 usable fiscal years, at least 4 required
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 335 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside−60% · Bottom 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets2% · Below median
Net margin (TTM)39% · Top 25%
Operating margin (TTM)55% · Above median
Growth and dividend
Revenue growth7% · Below median
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity4.96× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)29.9× · Priciest 25%
P/B3.32× · Priciest 25%
P/S (TTM)12.13× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 39
FUTURE (revenue growth)35· sector 39
PAST (return on equity)48· sector 30
HEALTH (low debt)0· sector 58
DIVIDEND (yield)3· sector 71
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Tata Capital Ltd Fair Value". https://www.fairvalue-calculator.com/stock/TATACAP
Frequently asked questions
Is Tata Capital Ltd (TATACAP) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of ₹149.40 versus a price of ₹351.35, about −57% upside (overvalued).
What is the fair value of TATACAP?
Our model-based fair value for Tata Capital Ltd is ₹149.40 (as of Sep 18, 2026), built from audited fundamentals. The current price: ₹351.35.
What is the quality score of TATACAP?
Tata Capital Ltd has a Quality Score of 41/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Tata Capital Ltd (TATACAP)?
Our model-based price target is the fair value of ₹149.40 (as of Sep 18, 2026) from 9 valuation models. Cautious scenario ₹89.56, optimistic scenario ₹186.76. It is a calculation from audited fundamentals, not an analyst target.
What is the Tata Capital Ltd stock forecast for 2026?
Our models put fair value at ₹149.40, about −57% upside versus a price of ₹351.35 (overvalued). Cautious scenario ₹89.56, optimistic scenario ₹186.76. The calculation is refreshed regularly with new filings.
What is the revenue of Tata Capital Ltd (TATACAP)?
Tata Capital Ltd reported trailing-twelve-month revenue of about ₹125B (latest available figure, as of Sep 18, 2026).
Does Tata Capital Ltd pay a dividend?
Tata Capital Ltd currently shows a dividend yield of about 0.13% relative to its recent price (as of Sep 18, 2026).
What is the intrinsic value of Tata Capital Ltd (TATACAP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Tata Capital Ltd it is ₹149.40 per share (as of Sep 18, 2026), against a price of ₹351.35. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Tata Capital Ltd stock overvalued or undervalued in 2026?
As of Sep 18, 2026, TATACAP trades above its calculated fair value: price ₹351.35, fair value ₹149.40, a gap of about −57% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TATACAP?
No. The price is what the market pays today (₹351.35); the fair value is what the company's own numbers justify (₹149.40). For Tata Capital Ltd the two are ₹201.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is Tata Capital Ltd worth?
The market values Tata Capital Ltd at about ₹1.5T (market capitalisation, as of Sep 18, 2026). Per share that is ₹351.35; our models calculate a fair value of ₹149.40 per share.
What do the bullish and bearish scenarios say about TATACAP?
Our models span a range for Tata Capital Ltd: cautious scenario ₹89.56, base ₹149.40, optimistic ₹186.76 per share (as of Sep 18, 2026, price ₹351.35). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TATACAP?
Tata Capital Ltd trades at a price-to-earnings ratio of 29.9 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹149.40 is built from several models across several years. Other multiples: P/B 3.3, P/S 12.1.
How solid is the balance sheet of Tata Capital Ltd (TATACAP)?
Balance-sheet figures for Tata Capital Ltd (as of Sep 18, 2026): return on equity 12.0%, debt of 4.96 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is TATACAP from its 52-week high?
Tata Capital Ltd trades at ₹351.35, about 4% below its 52-week high of ₹367.30 and 19% above the low of ₹296.00 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of ₹149.40 is for.
Which stocks are comparable to Tata Capital Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Tata Capital Ltd stock attractive at the current price?
The data as of Sep 18, 2026: price ₹351.35, calculated fair value ₹149.40 (−57%), Quality Score 41/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TATACAP calculated?
We run Tata Capital Ltd through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹149.40, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Tata Capital Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Tata Capital Ltd (TATACAP)?
The closing price on Sep 18, 2026 was ₹351.35. Our model-based fair value is ₹149.40, about −57% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Tata Capital Ltd right now?
The price sits above even our optimistic bull case (₹186.76). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (₹89.56 to ₹186.76) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Tata Capital Ltd
How large is the market capitalisation of Tata Capital Ltd (TATACAP)?
The market capitalisation of Tata Capital Ltd is ₹1.5T (≈ $15.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Tata Capital Ltd (TATACAP)?
The price-to-sales ratio of Tata Capital Ltd is 4.70 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Tata Capital Ltd (TATACAP)?
Earnings per share at Tata Capital Ltd are ₹11.77 (price ÷ EPS = P/E 29.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Tata Capital Ltd (TATACAP)?
The dividend yield of Tata Capital Ltd is 0.1% (payout 3.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Tata Capital Ltd (TATACAP)?
The net margin of Tata Capital Ltd is 15.7% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Tata Capital Ltd (TATACAP)?
The return on equity (ROE) of Tata Capital Ltd is 12.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Tata Capital Ltd (TATACAP)?
The return on assets (ROA) of Tata Capital Ltd is 1.8% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Tata Capital Ltd (TATACAP)?
The operating margin of Tata Capital Ltd is 55.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Tata Capital Ltd (TATACAP)?
Revenue at Tata Capital Ltd is growing +7.0% versus a year earlier (3y avg +36.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Tata Capital Ltd (TATACAP)?
Earnings per share at Tata Capital Ltd are growing +52.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Tata Capital Ltd (TATACAP) generate?
The free cash flow of Tata Capital Ltd is −₹390B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Tata Capital Ltd (TATACAP) carry?
The net debt of Tata Capital Ltd is ₹2.2T (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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