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Tata CapitalNSE:TATACAP +1.26%7 PB Ratio is 3.26 as of Jul. 29, 2026, which is 3% below its 10-year median of 3.36. GuruFocus rates NSE:TATACAP with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 526 Credit Services companies, Tata Capital ranks worse than 86.12% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-29), Tata Capital's share price is ₹354.95. Tata Capital's Book Value per Share for the quarter that ended in Jun. 2026 was ₹108.76. Hence, Tata Capital's PB Ratio of today is 3.26.
The historical rank and industry rank for Tata Capital's PB Ratio or its related term are showing as below:
NSE:TATACAP'
s PB Ratio Range Over the Past 10 Years
Min: 2.76 Med: 3.36 Max: 4.25
Current: 3.26
During the past 4 years, Tata Capital's highest PB Ratio was 4.25. The lowest was 2.76. And the median was 3.36.
NSE:TATACAP's PB Ratio is ranked worse than 86.12% of 526
companies
in the Credit Services industry
Industry Median: 1.065
vs NSE:TATACAP: 3.26
During the past 3 years, the average Book Value Per Share Growth Rate was 38.30% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Tata Capital was 38.30% per year. The lowest was 38.30% per year. And the median was 38.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Tata Capital PB Ratio Related Terms
Tata Capital PB Ratio Historical Data
* Premium members only.
The historical data trend for Tata Capital's PB Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Tata Capital's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tata Capital PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Tata Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where Tata Capital's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Tata Capital's PB Ratio for today is calculated as follows:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Tata Capital (NSE:TATACAP) has a PB Ratio of 3.26 as of Jul. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Tata Capital and its competitors. This is near median its historical median of 3.36. Over the past decade, Tata Capital's PB Ratio has ranged from 2.76 to 4.25. According to the industry distribution chart, Tata Capital ranks #453 out of 526 companies in the Credit Services industry, placing it in the top 86.1%.
Is Tata Capital's PB Ratio too high?
Tata Capital's current PB Ratio of 3.26 is near median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 2.76 to a high of 4.25. The Credit Services industry median PB Ratio is 1.07. Tata Capital's value of 3.26 is 206.1% above this industry median. Based on the distribution chart, Tata Capital ranks #453 out of 526 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Tata Capital has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Tata Capital's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Tata Capital ranks #453 out of 526 companies for PB Ratio. This places Tata Capital in the lower half of its industry. The industry median PB Ratio is 1.07. Tata Capital's value of 3.26 is 206.1% above this benchmark. Historically, Tata Capital's own PB Ratio has ranged from 2.76 to 4.25 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 1.07, Tata Capital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tata Capital's current PB Ratio of 3.26 is 206.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Tata Capital and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tata Capital's current PB Ratio is 3.26, which is near median its own 10-year median of 3.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tata Capital stock overvalued right now?
Tata Capital (NSE:TATACAP) has a current PB Ratio of 3.26. The current PB Ratio is 3.26, which is near median its 10-year median of 3.36 and 206.1% above the Credit Services industry median of 1.07. Tata Capital's overall GF Score™ is 7/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Tata Capital (NSE:TATACAP), the current PB Ratio is 3.26 as of Jul. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Tata Capital Ltd is a Non-banking Finance company. The company is engaged in lending and investing activities. The company is engaged in providing and supplying different services and products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.
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