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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
Tata Capital
Tata Capital (TATACAP) investor relations material
Tata Capital Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 25/26 earnings summary23 Apr, 2026
Executive summary
Achieved strong growth in FY 2026, with consolidated AUM up 20% year-on-year to ₹2,77,275 Cr, and PAT up 16% sequentially to ₹1,502 Cr, excluding non-recurring items.
Excluding motor finance, AUM grew 28% year-on-year to ₹2,51,885 Cr, and PAT rose 51% year-on-year, driven by lower credit costs and improved asset quality.
Retail and SME lending accounted for 86% of AUM, with unsecured retail loans at 10.3% of AUM and a focus on granular, resilient growth.
Merger with Tata Motors Finance completed in May 2025, expanding Motor Finance operations and impacting segment performance.
Audited standalone and consolidated financial results for FY26 were approved, with an unmodified audit opinion and a final dividend of Re. 0.57 per share recommended.
Financial highlights
Consolidated AUM reached INR 2.77 lakh crore; excluding motor finance, AUM was INR 2.52 lakh crore.
Q4 PAT (ex-motor finance) was INR 1,459 crore, up 51% year-on-year; consolidated PAT was INR 1,502 crore, up 16% sequentially.
Standalone revenue from operations for FY26 was Rs 23,051.50 crore, consolidated revenue was Rs 31,539.89 crore, and consolidated net profit attributable to owners was Rs 4,846.10 crore.
Cost-to-income ratio improved to 38.3% (incl. Motor Finance), 36.1% (excl. Motor Finance); credit costs declined to 0.8% (excl. Motor Finance) and 0.9% (incl. Motor Finance).
Total assets (consolidated) as of March 31, 2026, stood at Rs 2,90,503.54 crore.
Outlook and guidance
FY 2027 AUM growth guided at 23%-25%, with retail and SME share expected to increase.
FY28 guidance targets AUM CAGR of 23-25%, PAT CAGR >30%, ROA 2.5-2.7%, and ROE 17-18%.
Margins expected to improve as high-yielding segments (unsecured, motor finance, affordable housing) grow faster.
Cost of funds projected to be lower in FY 2027 due to liability repricing.
The company continues to monitor regulatory changes, including new Labour Codes, and will adjust accounting as needed.
Motor Finance turnaround and OEM diversification
Unsecured retail credit quality interventions
Operational impact of AI-first digital strategy
Explain the TMFL merger credit adjustments
Detail project finance DCCO extension status
Detail the co-lending portfolio performance
Logic for lower FY 2027 cost of funds guidance
Multi-OEM strategy in motor finance growth
AI impact on SME underwriting productivity
Partial view of Summaries dataset, powered by Quartr API
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Latest events from Tata Capital
- Record AUM and profit growth, improved asset quality, and successful capital market actions.TATACAP
Q4 25/26 (Media)23 Apr 2026 - Record AUM and profit growth, improved efficiency, and strong capital position after IPO.TATACAPQ3 25/2620 Jan 2026
- Strong AUM and profit growth, robust asset quality, and successful capital raising.TATACAPQ2 25/2629 Oct 2025
Next Tata Capital earnings date
Q1 26/272 Jul, 2026
Tata Capital
Next Tata Capital earnings date
Q1 26/272 Jul, 2026
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Amina0781App Store
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@theshortbearx.com
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