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Tata Motors Passenger Vehicles Ltd

TMPV · Auto & Truck Manufacturers · INE155A01022

Analyst mean 3.04 · 28 analysts · 54% bullish
₹329.80
Close 2026-07-31 · Balanced risk

Reading the Statements forensic interpretation

What the numbers mean when read together — computed from the filings, not a score.

Profit is not turning into cash

Operating cash flow is just 16% of trailing profit — the classic pattern where reported earnings are not backed by cash. This is the single most important thing to understand on this page.

Full read

Operating cash flow ₹13,041 cr against trailing net profit ₹82,646 cr. When profit rises but cash does not follow, the questions are: are receivables ballooning, is revenue being recognised ahead of collection, or are costs being capitalised?

Net margin compressing

Net margin has narrowed from 8.7% to 5.6% year-on-year — profitability per rupee of sales is shrinking.

Full read

Quarter net margin 5.6% vs 8.7% four quarters earlier. Sustained compression signals pricing pressure, cost inflation, or mix deterioration.

Burning cash after capex

Free cash flow is negative — the business consumes more than it generates once capex is paid. Fine if it is deliberate growth investment; a problem if it is structural.

Full read

Latest free cash flow ₹-23,195 cr, negative in 5 of 12 years. Check whether the burn funds expansion (dark stores, plants, ports) or merely sustains operations.

Other income is a big part of profit

Other income is 105% of pre-tax profit — a large share of the profit comes from outside the core operating business.

Full read

Trailing other income ₹86,113 cr against pre-tax profit ₹82,399 cr. High other-income dependence means the headline profit is flattered by treasury, one-offs, or non-operating items rather than the core business.

Deleveraging

Borrowings have fallen 26% over two years — the balance sheet is getting lighter.

Full read

Borrowings down to ₹79,109 cr from ₹107,264 cr. Falling debt reduces finance cost and financial risk.

Capital work-in-progress is sticky

Capital work-in-progress has stayed high (98% of fixed assets) without converting to productive assets — worth checking whether projects are genuinely progressing.

Full read

CWIP ₹102,654 cr vs ₹35,698 cr two years earlier, against fixed assets ₹104,656 cr. Perennial CWIP that never becomes a fixed asset can hide stalled projects or capitalised costs that should have been expensed.

Price & Valuation 10-year, split-adjusted

Markers show corporate actions (splits, bonus, dividends). Prices are split-adjusted so the series is continuous.

Valuation & Quality

Ownership & Skin in the Game

Promoter42.51% ▼ 0.05
FII17.11%
DII
Mutual Funds10.05%

Quarterly Financials ₹ cr

MetricJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue107,10283,65694,47298,37787,67772,34970,108105,447
Expenses91,85473,74284,07083,99079,51573,75369,22994,188
Other Income6,5531,9202,7302,3612,69081,507391,877
Depreciation6,5655,4674,8634,7174,8514,8714,9695,092
Profit before tax13,7655,2737,42611,2035,30974,546-4,7337,277
Net Profit10,5873,5215,4848,5564,00376,248-3,4835,878
EPS31.639.3614.6923.0110.66206.85-9.4715.70

Balance Sheet ₹ cr, annual

ItemMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital766766766767736737
Reserves54,48143,79544,55684,151115,408111,331
Borrowings142,131146,449134,113107,26471,54079,109
Fixed Assets138,708138,855132,080121,285115,697104,656
CWIP20,96410,25114,27435,69865,806102,654
Investments24,62029,38026,37922,97135,65626,313
Total Assets341,570329,061334,674369,521376,973379,189
DISCLAIMER: FinMinutes is a financial data and analytics platform, not a SEBI-registered investment adviser. Everything here is for educational and informational purposes. Forensic interpretations are computed from disclosed data and are not recommendations. Do your own due diligence.