Capital Trust Ltd
Incorporated in 1985, Capital Trust
Ltd provides loans to Small and Micro
Enterprises[1]
- Market Cap ₹ 165 Cr.
- Current Price ₹ 96.9
- High / Low ₹ 185 / 67.6
- Stock P/E 148
- Book Value ₹ 50.5
- Dividend Yield 0.00 %
- ROCE 12.1 %
- ROE 1.37 %
- Face Value ₹ 10.0
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -8.39% over past five years.
- Company has a low return on equity of -16.7% over last 3 years.
- Company's cost of borrowing seems high
- Working capital days have increased from 42.4 days to 108 days
* 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.
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
17.75 | 40.09 | 55.42 | 118.54 | 173.45 | 186.48 | 146.83 | 112.19 | 105.04 | 86.28 | 77.88 | 94.75 | |
8.13 | 11.23 | 17.91 | 37.88 | 99.23 | 60.59 | 77.15 | 103.95 | 87.33 | 125.85 | 65.81 | 74.75 | |
Operating Profit | 9.62 | 28.86 | 37.51 | 80.66 | 74.22 | 125.89 | 69.68 | 8.24 | 17.71 | -39.57 | 12.07 | 20.00 |
OPM % | 54.20% | 71.99% | 67.68% | 68.04% | 42.79% | 67.51% | 47.46% | 7.34% | 16.86% | -45.86% | 15.50% | 21.11% |
0.21 | 0.00 | 5.90 | 0.22 | 0.03 | -36.57 | 0.75 | 0.65 | 0.87 | 0.63 | 1.68 | 1.25 | |
Interest | 6.81 | 14.15 | 12.18 | 25.59 | 61.81 | 76.51 | 61.03 | 38.61 | 32.26 | 21.93 | 10.45 | 19.17 |
Depreciation | 0.07 | 0.11 | 0.21 | 0.39 | 0.44 | 0.93 | 0.89 | 0.58 | 0.50 | 0.46 | 0.42 | 0.46 |
Profit before tax | 2.95 | 14.60 | 31.02 | 54.90 | 12.00 | 11.88 | 8.51 | -30.30 | -14.18 | -61.33 | 2.88 | 1.62 |
Tax % | 38.31% | 33.90% | 34.75% | 32.81% | 48.08% | 23.74% | 93.65% | -21.55% | -23.62% | -25.58% | 25.69% | 31.48% |
1.82 | 9.65 | 20.25 | 36.89 | 6.23 | 9.06 | 0.53 | -23.77 | -10.82 | -45.64 | 2.15 | 1.11 | |
EPS in Rs | 2.43 | 12.87 | 13.81 | 22.55 | 3.81 | 5.54 | 0.32 | -14.53 | -6.61 | -27.89 | 1.31 | 0.65 |
Dividend Payout % | 14.55% | 0.00% | 10.87% | 6.65% | 13.13% | 9.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 9% |
5 Years: | -8% |
3 Years: | -3% |
TTM: | 22% |
Compounded Profit Growth | |
---|---|
10 Years: | -19% |
5 Years: | 16% |
3 Years: | 28% |
TTM: | -49% |
Stock Price CAGR | |
---|---|
10 Years: | -8% |
5 Years: | 8% |
3 Years: | -2% |
1 Year: | -12% |
Return on Equity | |
---|---|
10 Years: | 2% |
5 Years: | -15% |
3 Years: | -17% |
Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 7.50 | 7.50 | 14.67 | 16.36 | 16.36 | 16.36 | 16.36 | 16.36 | 16.36 | 16.36 | 16.36 | 16.87 |
Reserves | 3.39 | 11.47 | 146.23 | 203.07 | 206.35 | 138.11 | 137.72 | 113.82 | 103.68 | 58.18 | 60.34 | 69.06 |
55.20 | 82.14 | 67.78 | 308.92 | 533.33 | 482.91 | 284.52 | 278.69 | 207.93 | 95.92 | 80.08 | 101.50 | |
3.46 | 22.77 | 12.84 | 32.25 | 45.66 | 18.98 | 18.95 | 18.25 | 25.75 | 17.71 | 22.58 | 16.18 | |
Total Liabilities | 69.55 | 123.88 | 241.52 | 560.60 | 801.70 | 656.36 | 457.55 | 427.12 | 353.72 | 188.17 | 179.36 | 203.61 |
0.61 | 0.87 | 1.13 | 1.38 | 1.74 | 4.36 | 4.09 | 2.15 | 1.72 | 1.30 | 1.37 | 1.77 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.14 | 0.19 | 0.19 | 0.19 | 0.00 |
Investments | 0.00 | 0.00 | 0.15 | 19.29 | 49.91 | 49.92 | 87.64 | 90.69 | 42.80 | 0.05 | 0.55 | 10.56 |
68.94 | 123.01 | 240.24 | 539.93 | 750.05 | 602.08 | 365.82 | 334.14 | 309.01 | 186.63 | 177.25 | 191.28 | |
Total Assets | 69.55 | 123.88 | 241.52 | 560.60 | 801.70 | 656.36 | 457.55 | 427.12 | 353.72 | 188.17 | 179.36 | 203.61 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-28.18 | 15.70 | -20.18 | -273.47 | -191.97 | 44.13 | 239.45 | 8.31 | 15.88 | 74.25 | 20.13 | -19.35 | |
-0.21 | -0.39 | -0.62 | -50.40 | -30.83 | -0.27 | -36.96 | 2.04 | 23.12 | 42.07 | -1.01 | -10.58 | |
28.86 | 9.25 | 72.59 | 260.24 | 221.45 | -50.60 | -201.58 | -2.97 | -49.41 | -113.09 | -15.03 | 29.49 | |
Net Cash Flow | 0.47 | 24.55 | 51.79 | -63.63 | -1.35 | -6.74 | 0.91 | 7.39 | -10.40 | 3.24 | 4.08 | -0.44 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 16.04 | 26.13 | 23.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 16.04 | 26.13 | 23.51 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 1,218.38 | 445.03 | 307.37 | 599.51 | 326.72 | 5.83 | -7.48 | -22.87 | 17.27 | 26.44 | -7.12 | 107.75 |
ROCE % | 20.61% | 34.39% | 26.20% | 21.26% | 11.49% | 18.03% | 12.92% | 1.89% | 4.93% | -15.82% | 8.16% | 12.08% |
Documents
Announcements
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 2d
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Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011
2d - Promoter Yogen Khosla sold 0.13% shares in Capital Trust, holding reduced to 33.96%.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
29 May - Secretarial compliance report confirms full regulatory adherence by Capital Trust for FY ended 31/03/2025.
- Announcement under Regulation 30 (LODR)-Investor Presentation 28 May
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Board Meeting Outcome for Yearly Board Meeting
27 May - Capital Trust reports FY25 audited profit of Rs.111.09L; AGM set for Sept 15, 2025.
Annual reports
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Concalls
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May 2025TranscriptNotesPPT
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Feb 2025TranscriptNotesPPT
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Nov 2024TranscriptNotesPPT
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Nov 2023TranscriptNotesPPT
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Nov 2021TranscriptNotesPPT
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Nov 2020TranscriptNotesPPT
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Jun 2020TranscriptNotesPPT
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Dec 2019TranscriptNotesPPT
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Nov 2018TranscriptNotesPPT
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May 2018TranscriptNotesPPT
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Jan 2018TranscriptNotesPPT
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Nov 2017TranscriptNotesPPT
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Aug 2017TranscriptNotesPPT
Business Overview:[1][2][3]
Company is registered as a Systematically Important Non Deposit Taking Non Banking Finance Company. It used to provide consultancy services to foreign banks and later began offering business loans to micro entrepreneurs in rural India, particularly in smaller towns. These loans are given to low-income individuals running small businesses who may not have collateral or a credit history. Currently, company's digitized rural financing model offers quick digital micro loans to MSMEs and caters to over 70,214 customers across 96 districts through 306 branches in 10 states in India