India’s 3rd Largest NBFC Share Price Slips 0.35% on Friday Despite Q4 PAT Jump of 46.65% YoY; Here’s Details

The Indian equity markets are trading on a weak note on Friday, with the Nifty 50 at 23,981.60, down 191.45 points or 0.79 per cent as of 10:40 AM. Financial stocks are also witnessing selling pressure during the session. Amid this, Tata-capital-ltd-210850">Tata Capital shares are trading at Rs 339.40, down Rs 1.20 or 0.35 per cent, following the announcement of its Q4FY26 financial results.

Tata Capital Q4FY26 Results: QoQ and YoY Performance 

Revenue from operations stood at Rs 8,160.19 crore in Q4FY26, compared to Rs 7,976.24 crore in Q3FY26, registering a growth of 2.30 per cent QoQ. On a YoY basis, revenue increased from Rs 7,478.10 crore, reflecting a growth of 9.12 per cent YoY.

Profit after Tax (PAT) stood at Rs 1,466.27 crore, compared to Rs 1,264.74 crore in Q3FY26, registering a growth of 15.94 per cent QoQ. On a YoY basis, PAT increased from Rs 999.81 crore, reflecting a growth of 46.65 per cent YoY.

Profit before tax (PBT) stood at Rs 1,978.48 crore, compared to Rs 1,694.69 crore in Q3FY26, up 16.74 per cent QoQ, and increased from Rs 1,368.50 crore in Q4FY25, reflecting a growth of 44.58 per cent YoY.

Tata Capital FY26 Annual Performance 

For the full financial year FY26, revenue from operations stood at Rs 28,652.24 crore, compared to Rs 25,723.69 crore in FY25, registering a growth of 11.38 per cent YoY.

Profit after tax for FY26 came in at Rs 4,890.91 crore, compared to Rs 3,655.02 crore in FY25, reflecting a growth of 33.81 per cent YoY. Profit before tax stood at Rs 6,466.42 crore, compared to Rs 4,918.56 crore in FY25, marking a growth of 31.47 per cent YoY.

Margins and Operational Performance

Total expenses for Q4FY26 stood at Rs 4,571.41 crore, compared to Rs 4,688.23 crore in Q3FY26, indicating a decline of 2.49 per cent QoQ, reflecting improved cost efficiency.

Finance cost stood at Rs 2,731.54 crore, while impairment on financial instruments was at Rs 553.31 crore, showing improvement from Rs 753.48 crore in Q3FY26. Employee benefit expenses stood at Rs 591.33 crore, while depreciation and amortisation came in at Rs 128.68 crore during the quarter.

Asset Quality and Key Ratios 

Gross NPA stood at 1.5 per cent, while Net NPA was at 0.5 per cent, showing improvement compared to the previous quarter. Credit cost declined to 0.8 per cent, indicating better asset quality and controlled risk. Return on Assets (ROA) stood at 2.5 per cent, while Return on Equity (ROE) was at 14.6 per cent, reflecting stable profitability.

Business Growth and AUM Expansion

Assets Under Management (AUM) stood at Rs 2,51,885 crore, registering a growth of 27.9 per cent YoY and 7.6 per cent QoQ. Including motor finance business, AUM stood at Rs 2,77,275 crore, up 6.4 per cent QoQ.

Retail and SME segments contributed around 86 per cent of total AUM, highlighting strong diversification.

Tata Capital Dividend Announcement

The Board has recommended a final dividend of Re 0.57 per equity share (face value Rs 10) for FY26, subject to shareholder approval.

About Tata Capital

Tata Capital Ltd is a leading non-Banking financial company (NBFC) and part of the Tata Group, offering a wide range of financial products including loans, wealth management, and investment solutions. The company has a strong presence across retail and SME segments and operates through a diversified “phygital” distribution network across India.

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Disclaimer: This article is for informational purposes only and not investment advice.