Finance · NSE: TATACAP
Intrynsic's multi-model valuation estimates Tata Capital Limited's fair value at ₹136 per share (range ₹54–₹136) against a market price of ₹331 - a gap of -59.0% (updated 29 September 2026). This is an estimated fair value based on stated assumptions, not investment advice.
Market price
₹331
close of 29 Sept 2026
Est. fair value
₹136
₹54–₹136
Gap
-59.0%
price vs estimate
Trading ~59% above our estimated fair-value range. Assumptions and per-model workings are below.
Tata Capital is the Tata group's non-bank lender, offering retail, small-business and corporate loans, and listed in 2025. Loan growth and credit quality drive its results.
Finance · Finance
Over the last 3 years, revenue grew 32.3%/yr and profit grew 18.4%/yr.
Every ₹100 of shareholder money earned ₹10.7 in profit last year, vs a sector median of 10.8%.
Borrowing is core to a lender's business model — judge it on profitability and consistency instead.
The market price is above our estimated fair-value range (based on stated assumptions).
Returns on equity varied by about 2.5 percentage points over the last 5 years — steady.
Intrynsic values Tata Capital Limited with 3 independent models and blends them into one estimated fair-value range. Every number below is an estimate based on the stated assumptions - change the assumptions and the estimate changes.
| Model | Estimated value | vs price | Weight |
|---|---|---|---|
| P/B + Excess ReturnBank Net Worth Method | ₹136 | -59% | - |
| DDMDividend Discount Method | ₹7 | -98% | - |
| Bank FCFE DCFBank Cash Flow Method | ₹54 | -84% | - |
| Revenue | ₹31,540 Cr | |
| Net profit | ₹4,891 Cr | |
| EPS | ₹11.42 | |
| Free cash flow | ₹-38,960 Cr | |
| ROE (latest) | 10.7% | |
| Revenue growth (CAGR) | 19.5% | |
| Profit growth (CAGR) | 30.0% |
Intrynsic's multi-model valuation estimates Tata Capital Limited's fair value at ₹136 per share (range ₹54–₹136), last updated 29 September 2026. This is an estimate based on stated assumptions, not investment advice.
Tata Capital Limited trades at ₹331 against Intrynsic's estimated fair value of ₹136 - the market price is 59% above the estimate, i.e. above our estimated fair-value range. Different assumptions produce different estimates; see the model breakdown above.
Tata Capital Limited trades at about 29.0 times its latest annual earnings per share.
Tata Capital is the Tata group's non-bank lender, offering retail, small-business and corporate loans, and listed in 2025. Loan growth and credit quality drive its results.
Intrynsic runs 3 valuation models for Tata Capital Limited (P/B + Excess Return, DDM, Bank FCFE DCF) and blends them into one estimated fair-value range. Every assumption - growth, discount rate, terminal value - is shown openly on this page.
Disclaimer: Intrynsic provides educational and informational analysis only. Fair-value figures are estimates based on stated assumptions - they are not investment advice, research recommendations, or an offer to transact in any security. Intrynsic is not a SEBI-registered investment adviser or research analyst. Markets carry risk; please do your own research or consult a registered adviser before making investment decisions. Prices shown may be delayed end-of-day values. Terms · Privacy