Tata Capital Ltd Share Price Highlights: How has been Its historical performance?
Tata Capital Ltd has exhibited stable yet range-bound historical share price performance since its listing, trading primarily between ₹315 and ₹337 in the recent 52 weeks as of late November 2025. The stock closed around ₹325 on NSE/BSE, with a market capitalization of approximately ₹1.38 lakh crore, reflecting its position as a major NBFC in the Tata Group.
Key Price Metrics
Recent trading shows the share fluctuating narrowly, with a day's range of ₹323.60–₹326.95 and high volume of over 8.75 lakh shares. The 52-week high stands at ₹336.65 and low at ₹315.10, indicating low volatility in the short term. All-time highs and lows align closely with this range post-IPO, suggesting limited explosive growth but steady presence.
Financial Performance
Revenue has grown robustly at a 3-year compounded rate of 41%, reaching ₹28,324 crore in FY25, while profit compounded at 31% over the same period to ₹3,655 crore. ROE averaged 13–21% across recent years, with ROCE at 9.58% in the latest quarter, supported by a loan book exceeding ₹2.33 lakh crore. However, high debt-to-equity (around 7.66) and low interest coverage pose risks, though Q2 FY26 showed AUM growth to ₹2.44 lakh crore.
Valuation Insights
The stock trades at a P/E of 37.4 and P/B of about 5, above sector medians, reflecting premium pricing for its Tata backing and growth trajectory. Dividend yield remains negligible at 0.06%, prioritizing reinvestment amid expansions like NCD issuances. Compared to peers like Bajaj Finance
Long-Term Trends
Over 3 years, ROE has held at 16% on average, with sales TTM growth at 56%, but stock price CAGR data points to modest appreciation amid NBFC sector dynamics. Promoter holding at 85.4% provides stability, though recent dips signal dilution. The company's diversified lending to 7.3 million customers underscores resilience, positioning it for steady, if not stellar, performance in India's financial services space.
Historical Returns Comparison
Tata Capital Ltd has delivered modest stock price appreciation since listing, with 1-year returns around 0-2% and limited longer-term data due to its recent public status, lagging behind peers like Bajaj Finance
| Metric | Tata Capital | Bajaj Finance | Shriram Finance |
|---|---|---|---|
| 1-Year Return (%) | ~1.86 | ~20-25 | ~15-20 |
| 3-Year CAGR Sales (%) | 41 | 21.16 | 19.13 |
| 5-Year CAGR Net Profit (%) | 26.62 | 30.36 | 30.76 |
| 5-Year Avg ROE (%) | 13.46 | 17.05 | 13.54 |
| Current P/E | 37-38 | 38-39 | 14-16 |
| Market Cap (₹ Cr) | 1,38,000 | ~5,00,000+ | 1,62,000 |
Growth Drivers
Tata Capital exhibits superior sales CAGR at 41% over 3 years compared to peers' 19-21%, fueled by AUM expansion to ₹2.44 lakh crore, though high debt (D/E 7.66) tempers returns. Bajaj Finance leads in profitability with higher NIM (9.5%) and ROE, while Shriram Finance offers value at lower P/E despite similar profit growth. Promoter stability at 85% for Tata aids resilience, versus 55% and 25% for peers.
Risk and Valuation
Tata trades at a premium P/B of 4-5 versus Shriram's 2.4, reflecting Tata brand strength but exposing it to interest rate sensitivity common in NBFCs. Peers like Bajaj show better asset turnover (0.15 vs Tata's 0.11), driving superior equity multipliers and long-term compounded returns. Recent quarters highlight Tata's profit growth at 9-10% YoY, aligning with sector but trailing Bajaj's 15%+ net profit CAGR.
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