Financial Services · NSE/BSE: TATACAP
Tata Capital Limited
Non Banking Financial Company (NBFC)
Market Cap ₹1.45L Cr
Verdict: High
Quality Scores
Multi-Bagger
78/100
Compounder Quality
90/100
Management Credibility
94/100
Governance
96/100
Cash Flow Quality
75/100
AI Summary
Tata Capital Limited (TCL) serves as the flagship financial services engine of the Tata Group, representing a massive scale operation with a loan book exceeding INR 2.33 lakh crore. Over the last five fiscal years, the company has transformed from a mid-sized lender into India's 3rd largest diversified NBFC, exhibiting superior growth trajectories across sales and profits. With a customer base of 7.3 million and the backing of Tata Sons, the firm enjoys a distinct advantage in cost of funds and credit ratings (AAA). The financial performance indicates a shift toward higher-margin retail and…
Top Opportunities
- Tata Group flagship financial arm heritage
- 3rd largest diversified NBFC in India
- Massive 5-year PAT CAGR of 34%
Top Risks
- Negative free cash flow structural issues
- Low Return on Equity (ROE) compared to peers like Muthoot
- High competition from Bajaj Finance and Banks
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