Tata Capital Share Price Target 2027: Can It Reach Rs 499? Base Case at Rs 413

Tata Capital share price Rs 356.25 (11 November 2026). Base target Rs 413, bull Rs 499, downside risk Rs 282. PE 24.20. 52W range Rs 296.00 to Rs 390.20.

Investors weighing a Tata Capital target price for 2027 should start with where the stock sits today. At Rs 356.25 on 11 November 2026, it is 8.7% below its 52-week high of Rs 390.20 and 20.4% above its 52-week low of Rs 296.00. That range spans 32% from low to high, so the entry point matters as much as the Tata Capital price forecast itself.

This article builds the Tata Capital share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario states its assumptions, so you can trace how the base case, the bull case and the downside risk level were reached and test them against your own view.

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Tata Capital Stock Analysis: Company Overview and Key Stats

Tata Capital (NSE: TATACAP) has a market capitalisation of Rs 1,49,780 crore. In FY26 it reported revenue of Rs 31,583 crore and net profit of Rs 4,891 crore. The table collects the figures the Tata Capital share price target is built on.

Metric	Value
Company	Tata Capital
NSE Ticker	TATACAP
CMP (11 November 2026)	Rs 356.25
52-Week High	Rs 390.20
52-Week Low	Rs 296.00
Market Cap	Rs 1,49,780 crore
PE Ratio (TTM)	24.20
Industry PE	17.75
Price to Book	3.06
Return on Equity	12.18%
Debt to Equity	5.33
EPS (TTM)	Rs 14.58
Dividend Yield	0.16%
12-Month Base Target	Rs 413
Bull Case	Rs 499
Downside Risk Level (not a target)	Rs 282

Why Is Tata Capital Share Price Target Set at Rs 413 for 2027?

The arithmetic is short. Trailing EPS of Rs 14.58 grown for one year gives a forward EPS estimate of Rs 17.05, and multiplying it by the unchanged PE of 24.20 gives the Rs 413 base-case Tata Capital stock target. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.

Earnings Growth Behind the Tata Capital Target Price: Five Years of Results

Tata Capital grew revenue from Rs 10,311 crore in FY22 to Rs 31,583 crore in FY26, a compound annual growth rate of 32.3%. Net profit grew more slowly, from Rs 1,801 crore to Rs 4,891 crore (28.4% a year), which points to margin pressure alongside the sales growth.

Financial Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Dividend per Share (Rs)
FY22	10,311.41	1,800.81	4.69	0.16
FY23	13,637.49	2,945.77	8.44	0.21
FY24	18,198.38	3,326.96	8.60	0.21
FY25	28,369.87	3,655.02	9.32	0.42
FY26	31,582.62	4,890.91	11.76	0.57

FY26 revenue growth was 11.3%, slower than the four-year average of 32.3%, and net profit moved up 33.8%. EPS rose from Rs 8.60 in FY24 to Rs 11.76 in FY26. The FY27 outlook for the Tata Capital price target depends on whether that EPS estimate keeps compounding.

Margins and the Latest Quarter

Tata Capital converted 15.5% of FY26 revenue into net profit, against 12.9% in FY25, within a five-year range of 12.9% to 21.6%. EBITDA margin was 73.1% in FY26 versus 71.7% in FY25.

In the September 2026 quarter, revenue was Rs 9,356 crore, up 20.7% from the same quarter a year earlier, while net profit of Rs 1,832 crore was up 63.7%. EBITDA came in at Rs 7,229 crore, up 28.7% year on year. The next quarterly result is the first test of whether the earnings assumption behind the Tata Capital stock target holds.

Balance Sheet and Cash Flow

Debt to equity stands at 5.33, and shareholders’ equity grew from Rs 12,836 crore in FY22 to Rs 47,107 crore in FY26. Operating cash flow in FY26 was negative at Rs 37,965 crore against capital expenditure of Rs 995.07 crore, leaving negative free cash flow of Rs 38,960 crore. In FY25 free cash flow was negative at Rs 31,110 crore.

Valuation Check for the Tata Capital Stock Target: PE, Price to Book and ROE

At a PE of 24.20 against an industry PE of 17.75, Tata Capital trades at a premium to its industry. Price to book is 3.06 on a book value of Rs 115.45 per share, and return on equity is 12.18%. A PE of 24.20 equals an earnings yield of 4.1%, and the FY26 dividend of Rs 0.57 per share gives a yield of 0.16%.

Shareholding Pattern and Institutional Holding

Promoters held 85.41% of Tata Capital in September 2026, and promoter holding has stayed near 85.41% since December 2025. Foreign institutional investors (FII) held 5.06% and domestic institutions (DII) held 3.88%, which puts total institutional holding at 8.94%. FII holding rose from 4.63% in December 2025 to 5.06% in September 2026. Public shareholders own the remaining 5.65%.

Tata Capital Share Price Targets for the Short Term and 12 Months

Short Term Tata Capital Stock Target Levels: Technical Setup

At Rs 356.25 on 11 November 2026, Tata Capital trades above its 50-day simple moving average of Rs 337.06 and above its 200-day exponential moving average of Rs 338.58. The 14-day RSI reads 76.4, which is overbought territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 390.20 (52-week high) and the nearest support is Rs 338.58 (200-day exponential moving average). A sustained move above Rs 390.20 would improve the short-term setup, while a close below Rs 338.58 would shift attention to the next support.

12 Month Tata Capital Target Price for 2027

The 12-month target of Rs 413 means a move of 15.9% up from Rs 356.25 over the next 12 months. It would also push the stock above its 52-week high of Rs 390.20. Anyone checking the Tata Capital share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.

How EPS Growth and PE Multiple Change the Tata Capital Target Price

EPS Growth	PE 19.36	PE 24.20	PE 27.83
0.0% (EPS Rs 14.58)	Rs 282	Rs 353	Rs 406
16.9% (EPS Rs 17.05)	Rs 330	Rs 413	Rs 475
22.9% (EPS Rs 17.92)	Rs 347	Rs 434	Rs 499

Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Tata Capital price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.

Bull Case and Downside Risk for Tata Capital Stock Target in 2027

Bull Case Rs 499

The bull case Tata Capital price target needs EPS growth of 22.9%, which lifts forward EPS to Rs 17.92, and a PE multiple that rises 15% to 27.83. That gives Rs 499, 40.1% above the current price and above the 52-week high of Rs 390.20, so the stock would have to set a fresh 52-week high.

Downside Risk Level Rs 282

The downside risk level is not a target. It assumes EPS stays flat at Rs 14.58 and the PE falls 20% to 19.36. That gives Rs 282, 20.8% below the current price and below the 52-week low of Rs 296.00.

Scenario	EPS Growth	PE Multiple	Price (Rs)	Change vs CMP
Bull Case	22.9%	27.83	Rs 499	+40.1%
Base Case	16.9%	24.20	Rs 413	+15.9%
Downside Risk	0.0%	19.36	Rs 282	-20.8%

Key Risks to the Tata Capital Target Price for 2027

Growth Slowdown Risk for the Tata Capital Price Target

Revenue in the September 2026 quarter was up 20.7% year on year, and FY26 revenue growth was 11.3%. If growth slows from here, the EPS estimate behind the Tata Capital stock target will need revising.

Liquidity and Size Risk

Tata Capital has a market capitalisation of Rs 1,49,780 crore. Institutional holding is 8.94%, and promoters hold 85.41%. A company of this size trades with deep liquidity, so entry and exit are rarely a problem, and the larger risk is paying too much for slow earnings growth.

Valuation and Margin Risk

Net margin was 15.5% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 24.20 versus an industry PE of 17.75, a de-rating toward the downside-risk PE of 19.36 would cut the price even if earnings hold.

Market and Technical Risk

Technical indicators add short-term risk: the 14-day RSI is 76.4 and the MACD sits above its signal line. A broad fall in the Nifty 50 or the Sensex can override company fundamentals for weeks at a time.

How to Invest in Tata Capital

Start with the live price and volume. Any Tata Capital share price target is only as current as the data behind it, and the data here is as of 11 November 2026, so refresh the Rs 356.25 price before acting on any level.

Next, review the fundamentals yourself. The Univest Screener lets you check Tata Capital’s PE, ROE, debt and shareholding in one place.

Check Tata Capital fundamentals on the Univest Screener

Then compare the three Tata Capital target price scenarios with your own view. If you expect EPS growth below 16.9%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.

Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.

Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.

Download the Univest iOS App or Univest Android App to track Tata Capital live price and get daily stock recommendations.

Conclusion

The Tata Capital share price target for 2027 is Rs 413 in the base case, with Rs 499 as the bull case. The support for that view is arithmetic you can check: EPS grew 16.9% a year over FY24 to FY26, and the stock trades at a PE of 24.20. The risks are equally concrete, including a PE of 24.20 that sits above the industry PE of 17.75 and a downside scenario that cuts the price 21% if earnings stall. Use these numbers as a framework for judging the Tata Capital price target, check them against the latest filings, and size any position to your own risk appetite.

FAQs on Tata Capital Share Price Target 2027

What is the Tata Capital share price target for 2027?

Ans. The base-case Tata Capital share price target for 2027 is Rs 413, which is 15.9% above the price of Rs 356.25 on 11 November 2026. The bull case is Rs 499 and the downside risk level, which is not a target, is Rs 282. All three come from one method: forward EPS multiplied by a PE multiple, using only reported results. They are model estimates and not guaranteed outcomes, and the next quarterly result is the first check on the EPS assumption.

What is the Tata Capital share price today?

Ans. As of 11 November 2026, 9:53 AM IST, Tata Capital (NSE: TATACAP) trades at Rs 356.25, up 0.91% on the day. That is 8.7% below the 52-week high of Rs 390.20 and 20.4% above the 52-week low of Rs 296.00. The market capitalisation of Rs 1,49,780 crore places it among large-cap stocks. Prices change through the trading session, so check the live quote before acting on any level in this article.

Is Tata Capital a buy or sell at the current price?

Ans. The data points both ways. On the positive side, EPS has grown 16.9% a year over FY24 to FY26 and the base case implies 15.9% upside; on the cautious side, the PE of 24.20 sits above the industry PE of 17.75, and the downside risk level of Rs 282 is 21% below the current price. Whether Tata Capital fits your portfolio depends on your time horizon, position size and risk appetite. Consult a SEBI-registered advisor before investing, as this article is not investment advice.

What are the bull case target and downside risk level for Tata Capital shares?

Ans. The bull case in the Tata Capital share price target for 2027 is Rs 499, which assumes 22.9% EPS growth and a PE of 27.83, a 15% re-rating from today’s multiple. That is 40.1% above the current price and above the 52-week high of Rs 390.20, so the stock would have to set a fresh 52-week high. The downside risk level is Rs 282, which assumes flat EPS and a PE of 19.36, 20% lower than today. It sits 20.8% below the current price and below the 52-week low of Rs 296.00, and it marks a risk to watch, not a target.

What are the main risks to the Tata Capital price target?

Ans. Four risks matter most for the Tata Capital share price target: slower revenue or profit growth, a PE de-rating, thin liquidity or size risk, and weakness in the broader market. The market capitalisation of Rs 1,49,780 crore means liquidity is deep, so the bigger risk is paying a full price for slow earnings growth. A fall to the downside-risk PE of 19.36 would cut the price even if earnings hold.

What is the PE ratio of Tata Capital and how does it compare with the industry?

Ans. The PE ratio of Tata Capital is 24.20, against an industry PE of 17.75, which is a premium to the industry. Price to book is 3.06 and return on equity is 12.18%, and the PE equals an earnings yield of 4.1%. The base case holds the PE unchanged, so the Tata Capital share price target moves only with earnings, while the bull and downside scenarios change the multiple by +15% and -20%.

Who owns Tata Capital, and what is the promoter holding?

Ans. Promoters held 85.41% of Tata Capital in September 2026. FII held 5.06%, DII held 3.88% and the public held 5.65%. Together the two institutional groups hold 8.94%. Shareholding is filed every quarter, so it is worth rechecking after each result.

What were Tata Capital’s latest quarterly results?

Ans. In the September 2026 quarter, Tata Capital reported revenue of Rs 9,356 crore (up 20.7% year on year) and net profit of Rs 1,832 crore (up 63.7%). For comparison, FY26 full-year revenue growth was 11.3% and net profit moved up 33.8%. Each new quarter either supports or weakens the EPS growth of 16.9% assumed in the base case.