Frontier Capital Ltd

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Frontier Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Frontier Capital Ltd

₹ 9.50 -0.11%
21 Sep - close price
frontiercapital.in BSE: 508980
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 ₹ 15.9 Cr.
  • Current Price ₹ 9.50
  • High / Low ₹ 11.8 / 5.30
  • Stock P/E 318
  • Book Value ₹ 1.66
  • Dividend Yield 0.00 %
  • ROCE 5.40 %
  • ROE 1.81 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.

Cons

  • Stock is trading at 5.71 times its book value
  • Company has a low return on equity of 5.93% over last 3 years.
  • Debtor days have increased from 46.3 to 67.4 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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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.06 0.06 0.06 0.10 0.14 0.15 0.15 0.11 0.19 0.14 0.14 0.17 0.15
0.04 0.03 0.03 0.08 0.11 0.11 0.06 0.11 0.10 0.08 0.12 0.17 0.11
Operating Profit 0.02 0.03 0.03 0.02 0.03 0.04 0.09 0.00 0.09 0.06 0.02 0.00 0.04
OPM % 33.33% 50.00% 50.00% 20.00% 21.43% 26.67% 60.00% 0.00% 47.37% 42.86% 14.29% 0.00% 26.67%
0.00 0.00 0.00 0.01 0.00 0.00 0.04 0.11 0.00 0.00 0.00 0.01 0.04
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01 0.01 0.01 0.00
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 0.02 0.03 0.03 0.03 0.03 0.04 0.13 0.10 0.08 0.05 0.01 0.00 0.08
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.02 0.03 0.03 0.03 0.03 0.04 0.13 0.10 0.08 0.05 0.01 -0.09 0.08
EPS in Rs 0.01 0.02 0.02 0.02 0.02 0.02 0.08 0.06 0.05 0.03 0.01 -0.05 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 TTM
2.94 2.15 0.76 0.01 0.02 0.27 0.27 1.11 0.31 0.29 0.54 0.65 0.60
2.53 1.24 2.08 8.13 0.39 0.60 1.15 0.26 0.50 0.18 0.38 0.49 0.48
Operating Profit 0.41 0.91 -1.32 -8.12 -0.37 -0.33 -0.88 0.85 -0.19 0.11 0.16 0.16 0.12
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% 24.62% 20.00%
0.02 0.07 0.17 0.01 0.00 -5.60 0.04 0.00 0.43 0.00 0.15 0.00 0.05
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 0.03
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 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 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 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 0.04
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: 28%
TTM: 20%
Compounded Profit Growth
10 Years: -18%
5 Years: 16%
3 Years: -44%
TTM: -86%
Stock Price CAGR
10 Years: 10%
5 Years: %
3 Years: 37%
1 Year: 0%
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 -14.02 -13.97
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 0.11 0.28
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 0.00
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 3.26
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% 156%

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 67.38
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 67.38
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 -56.15
ROCE % 1.55% 2.81% -8.76% -62.18% -8.33% 22.55% -49.12% 45.21% 9.88% 4.46% 11.33% 5.40%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Gross Non-Performing Assets (Gross NPA)
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Impairment Allowance / Provision on Loans
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Net Loan Book (Loans at Amortised Cost)
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Shareholding Pattern

Numbers in percentages

2 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
74.53% 74.53% 74.53% 74.53% 74.53% 74.53% 56.07% 56.07% 56.07% 56.07% 56.07% 56.07%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.14% 0.14% 0.14% 0.14% 0.14%
25.46% 25.47% 25.48% 25.47% 25.47% 25.48% 43.93% 43.79% 43.79% 43.80% 43.79% 43.80%
No. of Shareholders 7401,0191,0701,2111,3531,3681,6871,6991,9602,0562,1372,083

* 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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Documents

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