Capital Trust Ltd

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

Capital Trust Ltd

₹ 128 4.12%
24 Apr - close price
capital-trust.com BSE: 511505 NSE : CAPTRUST
About

Incorporated in 1985, Capital Trust
Ltd provides loans to Small and Micro
Enterprises[1]

Key Points

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

Website BSE NSE
  • Market Cap ₹ 209 Cr.
  • Current Price ₹ 128
  • High / Low ₹ 148 / 63.2
  • Stock P/E
  • Book Value ₹ 46.2
  • Dividend Yield 0.00 %
  • ROCE -15.8 %
  • ROE -46.9 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.

Cons

  • Stock is trading at 2.76 times its book value
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -13.0% over past five years.
  • Company has a low return on equity of -22.1% over last 3 years.
  • Company's cost of borrowing seems high

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
29.84 27.47 22.00 25.55 28.36 27.70 24.62 22.21 19.55 19.64 17.54 19.01 19.03
22.15 49.92 32.98 16.99 20.66 16.10 15.00 14.04 19.68 77.45 14.99 16.87 16.37
Operating Profit 7.69 -22.45 -10.98 8.56 7.70 11.60 9.62 8.17 -0.13 -57.81 2.55 2.14 2.66
OPM % 25.77% -81.73% -49.91% 33.50% 27.15% 41.88% 39.07% 36.79% -0.66% -294.35% 14.54% 11.26% 13.98%
2.53 0.86 0.80 0.81 0.80 0.07 0.12 0.18 0.26 0.35 0.19 0.56 0.78
Interest 9.69 8.85 9.27 8.80 7.08 9.19 6.99 5.50 4.84 4.29 1.99 1.91 2.60
Depreciation 0.13 0.14 0.13 0.07 0.14 0.15 0.13 0.11 0.11 0.11 0.10 0.10 0.11
Profit before tax 0.40 -30.58 -19.58 0.50 1.28 2.33 2.62 2.74 -4.82 -61.86 0.65 0.69 0.73
Tax % 22.50% 21.22% 27.22% 30.00% 27.34% 29.61% 27.86% 25.18% 26.56% 25.57% 24.62% 26.09% 24.66%
0.31 -24.09 -14.26 0.35 0.93 1.65 1.89 2.04 -3.54 -46.04 0.48 0.51 0.55
EPS in Rs 0.19 -14.72 -8.72 0.21 0.57 1.01 1.16 1.25 -2.16 -28.14 0.29 0.31 0.34
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
6 9 18 40 55 119 173 186 147 112 105 86 75
4 4 8 11 18 38 99 61 77 104 87 126 126
Operating Profit 2 5 10 29 38 81 74 126 70 8 18 -40 -50
OPM % 31% 53% 54% 72% 68% 68% 43% 68% 47% 7% 17% -46% -67%
0 0 0 0 6 0 0 -37 1 1 1 1 2
Interest 2 3 7 14 12 26 62 77 61 39 32 22 11
Depreciation 0 0 0 0 0 0 0 1 1 1 0 0 0
Profit before tax 0 2 3 15 31 55 12 12 9 -30 -14 -61 -60
Tax % 18% 0% 38% 34% 35% 33% 48% 24% 94% 22% 24% 26%
0 2 2 10 20 37 6 9 1 -24 -11 -46 -45
EPS in Rs 0.24 2.05 2.43 12.87 13.81 22.55 3.81 5.54 0.32 -14.53 -6.61 -27.89 -27.20
Dividend Payout % 0% 0% 15% 0% 11% 7% 13% 9% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 25%
5 Years: -13%
3 Years: -16%
TTM: -20%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -2281%
Stock Price CAGR
10 Years: 20%
5 Years: -10%
3 Years: 14%
1 Year: 88%
Return on Equity
10 Years: 3%
5 Years: -6%
3 Years: -22%
Last Year: -47%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 8 8 8 8 15 16 16 16 16 16 16 16 16
Reserves 0 2 3 11 136 203 206 138 138 114 104 58 59
Preference Capital 0 0 3 3 0 0 0 0 0 0 0 0
6 19 52 79 68 309 533 483 285 279 208 96 46
1 1 6 26 23 32 46 19 19 18 26 17 21
Total Liabilities 15 30 70 124 242 561 802 656 458 427 354 188 143
1 0 1 1 1 1 2 4 4 2 2 1 1
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 0 19 50 50 88 91 43 0 1
15 29 69 123 240 540 750 602 366 334 309 186 141
Total Assets 15 30 70 124 242 561 802 656 458 427 354 188 143

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
5 -9 -28 16 -20 -273 -192 44 239 8 16 74
-0 0 -0 -0 -1 -50 -31 -0 -37 2 23 42
-7 10 29 9 73 260 221 -51 -202 -3 -49 -113
Net Cash Flow -2 0 0 25 52 -64 -1 -7 1 7 -10 3

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 14 21 16 26 24 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 14 21 16 26 24 0 0 0 0 0 0 0
Working Capital Days 792 1,066 1,218 445 307 600 327 6 -7 -23 17 26
ROCE % 11% 22% 21% 34% 27% 22% 11% 18% 13% 2% 5% -16%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 17.27% 17.27% 17.27% 17.27% 17.27% 17.28%
17.27% 17.27% 17.27% 17.27% 17.27% 17.27% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
14.91% 14.91% 14.91% 14.91% 14.91% 14.90% 14.91% 14.91% 14.91% 14.90% 14.92% 14.89%
0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88%
No. of Shareholders 7,3697,9317,9048,1518,4278,3198,4778,7818,6138,8819,2689,496

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Feb 2024
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  • Nov 2023
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  • Nov 2021
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