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Tata CapitalNSE:TATACAP +1.26%7 Return-on-Tangible-Asset is 2.13% as of Jun. 2026, which is 12% above its 10-year median of 1.91. GuruFocus rates NSE:TATACAP with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 548 Credit Services companies, Tata Capital ranks worse than 54.93% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Tata Capital's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹61,895 Mil. Tata Capital's average total tangible assets for the quarter that ended in Jun. 2026 was ₹2,903,715 Mil. Therefore, Tata Capital's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 2.13%.
The historical rank and industry rank for Tata Capital's Return-on-Tangible-Asset or its related term are showing as below:
NSE:TATACAP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.63 Med: 1.91 Max: 2.23
Current: 1.63
During the past 4 years, Tata Capital's highest Return-on-Tangible-Asset was 2.23%. The lowest was 1.63%. And the median was 1.91%.
NSE:TATACAP's Return-on-Tangible-Asset is ranked worse than 54.93% of 548
companies
in the Credit Services industry
Industry Median: 1.93
vs NSE:TATACAP: 1.63
Tata Capital (NSE:TATACAP) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Tata Capital Return-on-Tangible-Asset Related Terms
Tata Capital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Tata Capital's Return-on-Tangible-Asset 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.
NSE:TATACAP vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Tata Capital's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Tata Capital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Tata Capital's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.13% mean?
Tata Capital (NSE:TATACAP) has a Return-on-Tangible-Asset of 2.13% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Tata Capital and its competitors. This is 12% above median its historical median of 1.91. Over the past decade, Tata Capital's Return-on-Tangible-Asset has ranged from 1.63 to 2.23. According to the industry distribution chart, Tata Capital ranks #301 out of 548 companies in the Credit Services industry, placing it in the top 54.9%.
Is Tata Capital's Return-on-Tangible-Asset too high?
Tata Capital's current Return-on-Tangible-Asset of 2.13% is 12% above median its 10-year median of 1.91. Over the past 10 years, this metric has ranged from a low of 1.63 to a high of 2.23. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Tata Capital's value of 2.13% is 10.4% above this industry median. Based on the distribution chart, Tata Capital ranks #301 out of 548 companies in the Credit Services industry, which is below the industry midpoint. 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 Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Tata Capital ranks #301 out of 548 companies for Return-on-Tangible-Asset. This places Tata Capital in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.93. Tata Capital's value of 2.13% is 10.4% above this benchmark. Historically, Tata Capital's own Return-on-Tangible-Asset has ranged from 1.63 to 2.23 over the past decade. While the company's 10-year median is 1.91 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tata Capital's current Return-on-Tangible-Asset of 2.13% is 10.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Tata Capital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tata Capital's current Return-on-Tangible-Asset is 2.13%, which is 12% above median its own 10-year median of 1.91. 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 Return-on-Tangible-Asset of 2.13%. The current Return-on-Tangible-Asset is 2.13%, which is 12% above median its 10-year median of 1.91 and 10.4% above the Credit Services industry median of 1.93. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Tata Capital (NSE:TATACAP), the current Return-on-Tangible-Asset is 2.13% as of Jun. 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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