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Tata Capital Ltd (TATACAP) fair value: what the stock is really worth

As of Nov 5, 2026: fair value (intrinsic value) of Tata Capital Ltd stock ₹149, price ₹348, that is 57.1% below the price, quality 48 out of 100. Rating: strongly overvalued. Calculated from audited financials with 8 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services IN

TC Tata Capital Ltd logo Some data Nov 4, 2026

Tata Capital Ltd

TATACAP · NSE
Very expensive, weak quality

Our calculation puts a fair price 57% below what the stock costs today.

Highly profitable · 39.7% net margin (TTM)
Last quarter vs. a year ago: revenue +40%, profit +47%.
Quality 48/100
Expensive Growth (revenue 3y +36.1 %/yr in INR)
0.2% dividend yield · Token dividend
Wide moat 68/100 · thin data
Some data
Fair value ₹149.40 · Strongly overvalued (−57.1%)
High debt
Negative free cash flow
Trails peers (4/13)
⚠ Small free float

Risks from the AI analysis

🚩RBI curbs on revolving credit products
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹382.70 ₹297.30 Fair Value ₹149.40 Oct 2025 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

13‑month range ₹297.30 – ₹382.70 · fair‑value band ₹88.16 – ₹186.76 · the ₹347.85 price screens above the ₹149.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

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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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 ₹347.85, while our model-based Fair Value estimate is ₹149.40, 57% below the price, so the stock looks 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 ₹347.85 price.

Bear case: the Asset-Based group reads lowest at ₹65.96, and 7 of the 8 models stay below the price. Data coverage for this calculation is medium.

Scenario range: ₹88.16 (bear) to ₹186.76 (bull), the price of ₹347.85 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 48/100 (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 (≈ $15.5B) Large · P/E ratio 24.7 · P/S ratio 10.8 · EPS (TTM) ₹14.07 · Dividend yield 0.2% · Net margin 39.7% · Return on equity 12.0% · Return on assets (EBIT) 1.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −57%, TATACAP screens richer than that median.

Fair Value models

Bear ₹88.16 Fair Value ₹149.40 Bull ₹186.76
Price ₹347.85 · Downside -57.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹8.14 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income ₹88.16 ₹95.41 ₹112.22 73
Gordon GGM ₹2.87 ₹4.95 ₹6.57 65
DDM Multi-Stage ₹2.87 ₹4.63 ₹5.31 65
All 8 models by family
Earnings-Based
Graham-Dodd ₹78.15 ₹545.01 ₹764.84 60
Lynch FV ₹200.72 ₹286.74 ₹372.76 58
Dividend Discount
Gordon GGM ₹2.87 ₹4.95 ₹6.57 65
DDM Multi-Stage ₹2.87 ₹4.63 ₹5.31 65
Multiples
P/E Multiple ₹112.05 ₹149.40 ₹186.76 63
P/B Multiple ₹113.87 ₹151.83 ₹189.79 55
Asset-Based
NCAV (Graham) ₹43.54 ₹65.96 ₹82.45 54
Economic Profit
Residual Income ₹88.16 ₹95.41 ₹112.22 73

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 30
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 4
Debt, balance sheet and risk of trouble
Investment 93
Does it invest with discipline instead of growing at any price?
Low Volatility 71
How calm the share price moves, does not count
Price momentum 43
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 51
Distance to the 52-week high, does not count
New shares 80
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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%
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
not computed

TATACAP screens overvalued: fair value 57% below the price. Compare with Visa Inc →

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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 · 286 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −57.1% · Bottom 25%
Profitability
Return on equity (12 months) 12.0% · Above median
Return on assets 1.7% · Below median
Net margin (12 months) 39.7% · Above median
Operating margin (12 months) 57.1% · Above median
Growth and dividend
Revenue growth (quarter YoY) 40.3% · Top 25%
Dividend yield (12 months) 0.2% · Bottom 25%
Balance sheet
Debt / equity 4.96× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 24.7× · Priciest 25%
P/B 3.20× · Priciest 25%
P/S (12 months) 10.77× · Priciest 25%
EV/EBITDA 46.8× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 57
FUTURE (revenue growth)100 · sector 57
PAST (return on equity)48 · sector 39
HEALTH (low debt)0 · sector 52
DIVIDEND (yield)3 · sector 62

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $75.03 $141.92 +89% vs TATACAP
PayPal Holdings PYPL $60.20 $107.45 +78% vs TATACAP
Shriram Finance Limited SHRIRAMFIN ₹964.00 ₹1,309 +36% vs TATACAP
Affirm Holdings AFRM $75.59 $80.82 +7% vs TATACAP
Bajaj Finance Limited BAJFINANCE ₹1,070 ₹1,055 −1% vs TATACAP
American Express Company AXP $332.59 $210.02 −37% vs TATACAP
Visa Inc V $436.57 $242.87 −44% vs TATACAP
Mastercard Incorporated MA $672.68 $360.13 −46% vs TATACAP
Capital One Financial Corporation COF $206.31 $106.81 −48% vs TATACAP
SoFi Technologies, Inc SOFI $17.38 $5.51 −68% vs TATACAP

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Tata Capital Ltd: fair value per Fair Value Calculator

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 Nov 4, 2026, our model estimates a fair value of ₹149.40 versus a price of ₹347.85, about 57% lower (overvalued).
What is the fair value of TATACAP?
Our model-based fair value for Tata Capital Ltd is ₹149.40 (as of Nov 4, 2026), built from audited fundamentals. The current price: ₹347.85.
What is the quality score of TATACAP?
Tata Capital Ltd has a Quality Score of 48/100. 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 Nov 4, 2026) from 8 valuation models. Cautious scenario ₹88.16, 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% lower versus a price of ₹347.85 (overvalued). Cautious scenario ₹88.16, 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 ₹136B (latest available figure, as of Nov 4, 2026).
Does Tata Capital Ltd pay a dividend?
Tata Capital Ltd currently shows a dividend yield of 0.16% relative to its recent price (as of Nov 4, 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 Nov 4, 2026), against a price of ₹347.85. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Tata Capital Ltd stock overvalued or undervalued in 2026?
As of Nov 4, 2026, TATACAP trades above its calculated fair value: price ₹347.85, 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 (₹347.85); the fair value is what the company's own numbers justify (₹149.40). For Tata Capital Ltd the two are ₹198.45 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 Nov 4, 2026). Per share that is ₹347.85; 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 ₹88.16, base ₹149.40, optimistic ₹186.76 per share (as of Nov 4, 2026, price ₹347.85). 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 24.7 (as of Nov 4, 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 3.2, P/S 10.8, EV/EBITDA 46.8.
How solid is the balance sheet of Tata Capital Ltd (TATACAP)?
Balance-sheet figures for Tata Capital Ltd (as of Nov 4, 2026): return on equity 12.0%, debt of 4.96 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is TATACAP from its 52-week high?
Tata Capital Ltd trades at ₹347.85, about 9% below its 52-week high of ₹382.70 and 17% above the low of ₹297.30 (as of Nov 5, 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 Nov 4, 2026: price ₹347.85, calculated fair value ₹149.40 (−57%), Quality Score 48/100, from 8 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 8 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 15.6% 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 Nov 5, 2026 was ₹347.85. Our model-based fair value is ₹149.40, about 57% lower (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 (48/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (₹88.16 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 (≈ $15.5B). 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 10.8 (last twelve months). 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 ₹14.07 (price ÷ EPS = P/E 24.7). 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 0.2% (payout 4.1%). 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 39.7% (last twelve months). 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 EBIT return on assets of Tata Capital Ltd (TATACAP)?
On an EBIT basis the return on assets of Tata Capital Ltd is 1.9% (avg 2y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Tata Capital Ltd (TATACAP)?
The operating margin of Tata Capital Ltd is 57.1% (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 +40.3% 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 +47.2% 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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