Frontier Capital Ltd

₹ 6.90 -0.14%

16 Jun 3:12 p.m.

About

Incorporated in 1984, Frontier Capital Ltd is engaged in the business of granting loans
and advances.^[1]

Key Points

Business Overview:^[1]^[2]
FCL is registered as a Non-Systematically Important Non-Deposit Taking Non-Banking Finance Company. The company operates
out of Mumbai and specializes in providing
retail financing services, including loans & advances, to the lower and middle-income groups and financially underserved masses across urban, semi-urban, and rural areas,
both in the formal and informal sectors of
the economy.

Website BSE

Market Cap ₹ 11.6 Cr.
Current Price ₹ 6.90
High / Low ₹ 22.7 / 5.30
Stock P/E 231
Book Value ₹ 1.67
Dividend Yield 0.00 %
ROCE 5.38 %
ROE 1.80 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.

Cons

Stock is trading at 4.15 times its book value
Company has a low return on equity of 5.92% over last 3 years.
Debtor days have increased from 46.8 to 68.4 days.
Promoter holding has decreased over last 3 years: -18.5%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	0.08	0.06	0.06	0.06	0.10	0.14	0.15	0.15	0.11	0.19	0.14	0.14	0.17
	0.17	0.04	0.03	0.03	0.08	0.11	0.11	0.06	0.11	0.10	0.08	0.12	0.17
Operating Profit	-0.09	0.02	0.03	0.03	0.02	0.03	0.04	0.09	0.00	0.09	0.06	0.02	0.00
OPM %	-112.50%	33.33%	50.00%	50.00%	20.00%	21.43%	26.67%	60.00%	0.00%	47.37%	42.86%	14.29%	0.00%
	0.43	0.00	0.00	0.00	0.01	0.00	0.00	0.04	0.11	0.00	0.00	0.00	0.01
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.34	0.02	0.03	0.03	0.03	0.03	0.04	0.13	0.10	0.08	0.05	0.01	0.00
Tax %	-11.76%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.38	0.02	0.03	0.03	0.03	0.03	0.04	0.13	0.10	0.08	0.05	0.01	-0.09
EPS in Rs	0.23	0.01	0.02	0.02	0.02	0.02	0.02	0.08	0.06	0.05	0.03	0.01	-0.05
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	2.94	2.15	0.76	0.01	0.02	0.27	0.27	1.11	0.31	0.29	0.54	0.64
	2.53	1.24	2.08	8.13	0.39	0.60	1.15	0.26	0.50	0.18	0.38	0.49
Operating Profit	0.41	0.91	-1.32	-8.12	-0.37	-0.33	-0.88	0.85	-0.19	0.11	0.16	0.15
OPM %	13.95%	42.33%	-173.68%	-81,200.00%	-1,850.00%	-122.22%	-325.93%	76.58%	-61.29%	37.93%	29.63%	23.44%
	0.02	0.07	0.17	0.01	0.00	-5.60	0.04	0.00	0.43	0.00	0.15	0.01
Interest	0.02	0.00	0.00	0.00	0.76	0.35	0.01	0.01	0.00	0.00	0.01	0.02
Depreciation	0.10	0.46	0.46	0.35	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.31	0.52	-1.61	-8.46	-1.14	-6.28	-0.85	0.84	0.24	0.11	0.30	0.14
Tax %	54.84%	26.92%	-22.98%	4.26%	5.26%	0.00%	0.00%	0.00%	-16.67%	0.00%	0.00%	64.29%
	0.15	0.38	-1.24	-8.81	-1.19	-6.28	-0.85	0.84	0.28	0.11	0.30	0.05
EPS in Rs	5.00	12.67	-47.29	-336.00	-45.39	-3.75	-0.51	0.50	0.17	0.07	0.18	0.03
Dividend Payout %	16.67%	6.58%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	-11%
5 Years:	19%
3 Years:	27%
TTM:	19%

Compounded Profit Growth
10 Years:	-18%
5 Years:	16%
3 Years:	-44%
TTM:	-83%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	12%
1 Year:	-66%

Return on Equity
10 Years:	%
5 Years:	14%
3 Years:	6%
Last Year:	2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	0.25	0.25	0.26	0.26	0.26	16.76	16.76	16.76	16.76	16.76	16.76	16.76
Reserves	4.07	4.43	3.17	-5.65	-8.41	-14.69	-15.54	-14.70	-14.42	-14.31	-14.01	-13.96
	14.00	14.04	14.59	14.58	8.08	0.04	0.09	0.39	0.07	0.07	0.21	0.19
	0.31	0.33	1.41	9.02	0.51	0.62	0.95	0.88	0.53	0.59	0.10	0.27
Total Liabilities	18.63	19.05	19.43	18.21	0.44	2.73	2.26	3.33	2.94	3.11	3.06	3.26
	1.27	0.81	0.35	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.01	0.00	0.00	7.46	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	17.35	18.24	19.08	10.74	0.44	2.73	2.26	3.33	2.94	3.11	3.06	3.20
Total Assets	18.63	19.05	19.43	18.21	0.44	2.73	2.26	3.33	2.94	3.11	3.06	3.26

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	7.05	0.16	-0.08	-0.70	0.01	-2.53	-0.05	-0.23	0.61	-0.32	-0.12	0.16
	-1.10	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	-6.04	0.00	0.51	-0.01	0.00	2.51	0.05	0.30	-0.32	0.00	0.13	-0.04
Net Cash Flow	-0.09	0.18	0.44	-0.71	0.01	-0.02	0.00	0.07	0.29	-0.32	0.01	0.12
Free Cash Flow	5.89	0.16	-0.08	-0.70	0.01	-2.53	-0.05	-0.23	0.61	-0.32	-0.12	0.16
CFO/OP	1,905%	41%	0%	9%	-3%	767%	6%	-27%	-321%	-291%	-75%	-127%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	25.17	0.00	68.44
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	25.17	0.00	68.44
Working Capital Days	2,054.68	2,981.12	7,669.80	176,660.00	-1,460.00	-838.15	-1,284.26	-207.16	-235.48	-365.00	-6.76	-79.84
ROCE %	1.55%	2.81%	-8.76%	-62.18%	-8.33%	22.55%	-49.12%	45.21%	9.88%	4.46%	11.31%	5.38%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loans (Asset Portfolio)
INR Lakhs

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Interest Income
INR Lakhs

Capital to Risk-Weighted Assets Ratio (CRAR)
%

Liquidity Coverage Ratio (LCR)
%

Number of Customers (Lifetime / Cumulative)
Numbers

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	74.53%	74.53%	74.53%	74.53%	74.53%	74.53%	74.53%	56.07%	56.07%	56.07%	56.07%	56.07%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.14%	0.14%	0.14%	0.14%
	25.47%	25.46%	25.47%	25.48%	25.47%	25.47%	25.48%	43.93%	43.79%	43.79%	43.80%	43.79%
No. of Shareholders	561	740	1,019	1,070	1,211	1,353	1,368	1,687	1,699	1,960	2,056	2,137

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	73.81%	73.81%	73.81%	73.81%	74.53%	74.53%	74.53%	74.53%	56.07%	56.07%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.14%
	26.19%	26.19%	26.19%	26.19%	25.47%	25.47%	25.46%	25.48%	43.93%	43.79%
No. of Shareholders	28	28	28	28	30	30	375	1,070	1,687	2,137

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Frontier Capital Ltd

Frontier Capital Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

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