Capital India Finance Ltd

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

Capital India Finance Ltd

₹ 127 -0.74%
26 Apr 3:40 p.m.
capitalindia.com BSE: 530879
About

Capital India Finance Ltd is an India-focused, Technology enabled SME Finance Platform, that provides financial solutions to Small and Medium Enterprises (SMEs) for their growth and working capital requirements. [1]

Key Points

Products
The Product portfolio of the Company primarily consists of SME Secured Loans, Equipment Finance, Loan Against Property, and Supply Chain Finance. [1]
It also provides various types of Home Loans such as Home Improvement Loans, Home Extension Loans, NRI Home Loan as well as Personal Loans. [2]

Website BSE
  • Market Cap ₹ 987 Cr.
  • Current Price ₹ 127
  • High / Low ₹ 165 / 72.4
  • Stock P/E 55.9
  • Book Value ₹ 76.8
  • Dividend Yield 0.08 %
  • ROCE 6.79 %
  • ROE 2.60 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 71.8% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 2.86% over last 3 years.
  • Dividend payout has been low at 5.21% of profits over last 3 years

* 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
24.60 22.25 27.29 31.37 30.46 37.43 38.40 41.39 41.69 40.09 49.82 51.19 45.51
10.00 10.91 13.42 13.96 15.23 19.16 16.12 17.79 18.26 17.96 20.96 23.02 22.37
Operating Profit 14.60 11.34 13.87 17.41 15.23 18.27 22.28 23.60 23.43 22.13 28.86 28.17 23.14
OPM % 59.35% 50.97% 50.82% 55.50% 50.00% 48.81% 58.02% 57.02% 56.20% 55.20% 57.93% 55.03% 50.85%
0.01 0.00 0.00 0.00 0.00 1.25 0.20 0.24 0.87 0.56 0.19 0.72 0.74
Interest 4.76 6.57 6.67 9.45 10.49 12.79 15.45 15.29 16.10 16.11 18.50 18.54 17.58
Depreciation 2.38 2.43 2.62 3.12 2.52 3.42 2.55 2.61 2.69 2.57 2.45 2.44 2.23
Profit before tax 7.47 2.34 4.58 4.84 2.22 3.31 4.48 5.94 5.51 4.01 8.10 7.91 4.07
Tax % 24.90% 85.04% 23.80% 24.17% 28.38% 12.39% 27.68% 27.27% 17.97% 25.69% 24.69% 29.58% 25.55%
5.61 0.34 3.49 3.67 1.60 2.89 3.24 4.32 4.51 2.98 6.09 5.57 3.03
EPS in Rs 0.72 0.04 0.45 0.47 0.21 0.37 0.42 0.56 0.58 0.38 0.78 0.72 0.39
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
1 1 2 4 8 9 26 56 105 93 123 162 187
0 0 0 0 0 0 10 24 43 36 55 70 84
Operating Profit 1 1 1 4 7 8 15 32 62 58 68 92 102
OPM % 95% 97% 93% 95% 96% 96% 60% 57% 59% 62% 55% 57% 55%
0 0 0 0 0 0 0 0 0 -0 -2 2 2
Interest 1 1 1 4 7 8 10 9 13 19 39 63 71
Depreciation 0 0 0 0 0 0 0 7 8 9 12 10 10
Profit before tax 0 0 0 0 0 0 5 16 41 29 15 20 24
Tax % 20% 38% 14% 23% 40% 47% 37% 30% 26% 30% 22% 25%
0 0 0 0 0 0 3 11 30 20 12 15 18
EPS in Rs 0.06 0.08 0.10 0.17 0.13 0.38 4.68 1.44 3.91 2.63 1.50 1.94 2.27
Dividend Payout % 0% 0% 0% 0% 0% 0% 12% 28% 3% 4% 7% 5%
Compounded Sales Growth
10 Years: 68%
5 Years: 44%
3 Years: 15%
TTM: 17%
Compounded Profit Growth
10 Years: 77%
5 Years: 39%
3 Years: -21%
TTM: 18%
Stock Price CAGR
10 Years: 19%
5 Years: -5%
3 Years: 9%
1 Year: 70%
Return on Equity
10 Years: 4%
5 Years: 4%
3 Years: 3%
Last Year: 3%

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 4 4 4 4 4 4 4 78 78 78 78 78 78
Reserves -0 -0 -0 0 0 0 128 434 462 481 493 508 519
7 9 12 53 48 138 7 132 116 243 633 652 644
1 1 3 3 7 2 16 26 17 9 18 40 55
Total Liabilities 10 14 18 59 59 144 154 670 672 812 1,222 1,277 1,296
0 0 0 0 0 0 8 25 20 27 31 23 20
CWIP 0 0 0 0 0 0 2 1 0 2 0 0 0
Investments 3 3 3 3 3 0 15 45 112 152 166 211 181
7 11 15 56 56 144 129 598 540 632 1,025 1,043 1,094
Total Assets 10 14 18 59 59 144 154 670 672 812 1,222 1,277 1,296

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
-2 -3 -3 -41 4 -39 -4 -444 99 -20 -284 101
0 0 0 0 0 3 -27 -38 -67 -56 -27 -67
2 2 3 41 -4 89 -6 490 -25 98 342 -43
Net Cash Flow -0 -0 0 0 -0 53 -37 8 8 21 31 -9

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 0 0 0 0 0 17 5 0 0 1 2 8
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 17 5 0 0 1 2 8
Working Capital Days 17 46 434 4,401 2,338 387 1,196 -52 -35 14 5 -25
ROCE % 7% 8% 10% 12% 13% 9% 11% 6% 8% 7% 6% 7%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04%
26.96% 26.96% 26.96% 26.96% 26.96% 26.95% 26.96% 26.96% 26.97% 26.96% 26.96% 26.97%
No. of Shareholders 9901,1571,1821,1851,1891,2111,2621,3241,3421,3421,3471,339

Documents

Announcements

Annual reports

Right Issue

Credit ratings

Concalls

  • Feb 2021
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    Notes
    PPT
  • Jun 2020
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  • Nov 2019
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  • Nov 2019
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    Notes
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  • Dec 2017
    Transcript
    Notes
    PPT