TATA CAPITAL LIMITED
Momentum (84/100) does the heavy lifting; valuation (17/100) is the drag.
ExpensiveOvervaluedTATA CAPITAL LIMITED earns a Hold from StocksWizard, with a blended score of 45/100. On 29.1x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹368.48. Financial health scores 80/100, with a Piotroski F-score of 4/9. The average analyst target of ₹394.31 implies about 8% upside across 13 analysts. It clears 5 of 12 investability checks, with durability 67, valuation 33 and momentum 84 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹146.16.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-0.84% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.0%
- Fail: Low debt (D/E < 0.5): 5.02x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 7%
- Pass: Earnings growing: 52%
- Pass: Net margin ≥ 10%: 39.0%
- Pass: Current ratio > 1.5: 105.66
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Shareholding
- Promoter86.0%
- Institutions4.7%
- Public & other9.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (39.0%).
- Trading near its 52-week high.
Opportunities
- Earnings growing (52% YoY).
Bear case
Weaknesses
- High debt relative to equity.
Threats
- Trades ~50% above our estimated fair value.
About TATA CAPITAL LIMITED
Tata Capital Limited provides financial services through subsidiaries across India, Singapore, and the United Kingdom, serving retail, SME, corporate, and institutional customers. The company operates three segments: Financing Activity, Investment Activity, and Others, offering asset financing, term loans, channel financing, credit substitutes, and investments linked to lending operations.
TATA CAPITAL LIMITED — frequently asked questions
Is TATA CAPITAL LIMITED a buy, hold or sell?
StocksWizard currently rates TATA CAPITAL LIMITED (TATACAP) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is TATA CAPITAL LIMITED's fair value?
Our blended DCF and relative-valuation model estimates TATA CAPITAL LIMITED's fair value at about ₹182.7, versus a current price of ₹365.4 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is TATA CAPITAL LIMITED financially healthy?
TATA CAPITAL LIMITED scores 80/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has TATA CAPITAL LIMITED's share price performed?
TATA CAPITAL LIMITED is up 13% over three months, and last traded at ₹365.4. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.