BYLD Capital Finance Ltd
₹ 20.8
5.00%
15 Sep
- close price
About
BYLD Capital Finance Ltd is an RBI-registered, non-deposit-taking Base Layer NBFC. Incorporated in 1994, it was formerly named TRC Financial Services and Avasara Finance; Jupiter Capital acquired control in FY18, and the company adopted its present name in May 2026.[1]
Key Points
- Market Cap ₹ 31.2 Cr.
- Current Price ₹ 20.8
- High / Low ₹ 20.8 / 13.0
- Stock P/E
- Book Value ₹ 6.57
- Dividend Yield 0.00 %
- ROCE -37.9 %
- ROE -37.4 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 3.16 times its book value
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -37.5% over past five years.
- Company has a low return on equity of -23.3% over last 3 years.
- Company has high debtors of 6,570 days.
- Working capital days have increased from 3,107 days to 5,840 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.35 | 0.10 | 0.09 | 0.00 | 0.63 | 1.05 | 0.63 | 0.23 | 0.32 | 1.33 | 0.00 | 0.06 | 0.22 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 |
| 0.14 | 0.09 | 0.09 | 0.18 | 0.71 | 0.87 | 0.36 | 0.58 | 0.29 | 1.11 | 0.45 | 2.54 | 2.64 | |
| Financing Profit | 0.21 | 0.01 | 0.00 | -0.18 | -0.08 | 0.18 | 0.27 | -0.35 | 0.03 | 0.22 | -0.45 | -2.57 | -2.42 |
| Financing Margin % | 60.00% | 10.00% | 0.00% | -12.70% | 17.14% | 42.86% | -152.17% | 9.38% | 16.54% | -4,283.33% | -1,100.00% | ||
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | |
| 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 | 0.21 | 0.01 | 0.00 | -0.18 | -0.08 | 0.18 | 0.27 | -0.35 | 0.03 | 0.22 | -0.45 | -2.57 | -2.32 |
| Tax % | 19.05% | 0.00% | 0.00% | 0.00% | 0.00% | 3.70% | 2.86% | 0.00% | 0.00% | 0.00% | -14.01% | ||
| 0.17 | 0.01 | 0.00 | -0.18 | -0.08 | 0.18 | 0.27 | -0.36 | 0.03 | 0.22 | -0.45 | -2.21 | -1.96 | |
| EPS in Rs | 0.11 | 0.01 | 0.00 | -0.12 | -0.05 | 0.12 | 0.18 | -0.24 | 0.02 | 0.15 | -0.30 | -1.47 | -1.31 |
| Dividend Payout % | 0.00% | 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: | -5% |
| 5 Years: | -38% |
| 3 Years: | -43% |
| TTM: | % |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -367% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 30% |
| 5 Years: | 21% |
| 3 Years: | 21% |
| 1 Year: | 37% |
| Return on Equity | |
|---|---|
| 10 Years: | -10% |
| 5 Years: | -18% |
| 3 Years: | -23% |
| Last Year: | -37% |
Balance Sheet
Figures in Rs. Crores
| 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 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 15.00 |
| Reserves | -2.37 | -2.36 | -2.36 | -2.79 | -2.87 | -2.69 | -2.43 | -2.79 | -2.76 | -2.55 | -2.99 | -5.20 |
| Borrowing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.27 |
| 0.01 | 0.01 | 0.01 | 0.01 | 0.12 | 0.17 | 0.06 | 0.15 | 0.20 | 0.61 | 0.47 | 0.26 | |
| Total Liabilities | 2.64 | 2.65 | 2.65 | 2.22 | 2.25 | 2.48 | 2.63 | 2.36 | 2.44 | 3.06 | 2.48 | 11.33 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | |
| 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 | 1.03 | 1.03 | 1.03 | 0.69 | 0.26 | 0.16 | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 8.27 |
| 1.61 | 1.62 | 1.62 | 1.53 | 1.99 | 2.32 | 2.56 | 2.36 | 2.44 | 3.06 | 2.48 | 3.03 | |
| Total Assets | 2.64 | 2.65 | 2.65 | 2.22 | 2.25 | 2.48 | 2.63 | 2.36 | 2.44 | 3.06 | 2.48 | 11.33 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.27 | 0.01 | 0.01 | 0.60 | -1.33 | -0.12 | 0.04 | 0.05 | -0.08 | 0.02 | -0.01 | -1.51 | |
| -0.71 | -0.06 | -0.06 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -8.30 | |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 11.27 | |
| Net Cash Flow | 0.56 | -0.05 | -0.05 | 0.60 | -1.33 | -0.12 | 0.04 | 0.04 | -0.08 | 0.02 | -0.01 | 1.46 |
| Free Cash Flow | 1.27 | 0.01 | 0.01 | 0.60 | -1.33 | -0.12 | 0.04 | 0.05 | -0.08 | 0.02 | -0.01 | -1.54 |
| CFO/OP | 595% | 200% | -333% | 1,600% | -56% | 15% | -14% | -267% | 18% | 2% | 58% |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 6.68% | 0.38% | 0.00% | -7.42% | -3.69% | 8.11% | 11.07% | -15.06% | 1.35% | 9.38% | -20.18% | -37.43% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Loan Portfolio Rs. Lakhs |
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| Impairment Loss Allowance on Loans Rs. Lakhs |
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| Investment Portfolio (Non-Current) Rs. Lakhs |
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| Number of Permanent Employees count |
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Documents
Announcements
-
Closure of Trading Window
- Trading window closes from 1 October 2026 for Q2 and half-year unaudited results.
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
-
Announcement under Regulation 30 (LODR)-Meeting Updates
- BYLD Capital Finance held its 32nd AGM on 22 September 2026; audited accounts and auditor appointments were tabled.
-
Shareholder Meeting / Postal Ballot-Outcome of AGM
- 32nd AGM approved FY26 financials, reappointed director, and appointed statutory and secretarial auditors.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Dear Sir/Ma''am, Pursuant to Regulation 47 of the SEBI LODR, 2015 and Rule 20(4) of the Companies (Mgt and Administration) Rules, 2014 we have published …
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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Corporate identity and a fresh strategic reboot[1][2][3]
The company was incorporated in May 1994 and listed on BSE in April 1995. It was renamed:
a) TRC Financial Services in November 1994
b) Avasara Finance in January 2022
c) BYLD Capital Finance in May 2026
Jupiter Capital acquired control through a takeover in FY18. The present strategy should therefore be analysed as a fresh promoter-led reboot rather than a continuation of an established lending franchise.
Valid NBFC licence, but limited current lending activity[2][4][5]
The company holds RBI Certificate of Registration B-13.02148. It is classified as a non-deposit-taking Base Layer NBFC and obtained RBI approval for its latest name change.
An official NBFC license does not reflect operational scale; reported loans were zero in March and June 2026, with no disclosures on disbursements, borrowers, or portfolio quality.