Capital India Finance Ltd
Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]
- Market Cap ₹ 1,549 Cr.
- Current Price ₹ 39.8
- High / Low ₹ 55.7 / 19.7
- Stock P/E
- Book Value ₹ 16.1
- Dividend Yield 0.05 %
- ROCE 6.10 %
- ROE -1.63 %
- Face Value ₹ 2.00
Pros
- Company has been maintaining a healthy dividend payout of 18.3%
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of -3.29% 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| 26 | 60 | 179 | 318 | 532 | 655 | 684 | 615 | |
| 11 | 31 | 127 | 265 | 476 | 633 | 562 | 489 | |
| Operating Profit | 15 | 28 | 53 | 54 | 56 | 22 | 122 | 126 |
| OPM % | 58% | 47% | 29% | 17% | 11% | 3% | 18% | 20% |
| 0 | 0 | 0 | -0 | -2 | 1 | 15 | 4 | |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 107 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 32 |
| Profit before tax | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -9 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | 15% |
| 3 | 7 | 14 | 6 | -21 | -87 | -6 | -10 | |
| EPS in Rs | 0.89 | 0.17 | 0.44 | 0.25 | -0.07 | -1.07 | 0.30 | 0.04 |
| Dividend Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% | 50% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 28% |
| 3 Years: | 5% |
| TTM: | -10% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -11% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 28% |
| 5 Years: | 16% |
| 3 Years: | 22% |
| 1 Year: | 75% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -2% |
| 3 Years: | -3% |
| Last Year: | -2% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 128 | 430 | 444 | 485 | 543 | 528 | 545 | 550 |
| 7 | 132 | 121 | 327 | 764 | 924 | 899 | 996 | |
| 16 | 30 | 70 | 154 | 242 | 265 | 279 | 228 | |
| Total Liabilities | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 |
| 8 | 31 | 47 | 56 | 78 | 81 | 94 | 98 | |
| CWIP | 2 | 2 | 1 | 5 | 11 | 35 | 10 | 0 |
| Investments | 0 | 24 | 9 | 0 | 10 | 44 | 10 | 64 |
| 144 | 614 | 656 | 982 | 1,528 | 1,634 | 1,687 | 1,691 | |
| Total Assets | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| -5 | -453 | 30 | -69 | -313 | -23 | 121 | 13 | |
| -21 | -29 | 25 | -87 | -110 | -16 | 1 | -61 | |
| -6 | 490 | -17 | 231 | 480 | 80 | -124 | -27 | |
| Net Cash Flow | -32 | 8 | 38 | 74 | 56 | 41 | -2 | -75 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| Debtor Days | 4 | 0 | 1 | 8 | 6 | 10 | 11 | 22 |
| Inventory Days | ||||||||
| Days Payable | ||||||||
| Cash Conversion Cycle | 4 | 0 | 1 | 8 | 6 | 10 | 11 | 22 |
| Working Capital Days | 1,176 | -69 | -101 | -65 | -73 | -79 | -78 | -64 |
| ROCE % | 5% | 6% | 5% | 3% | -0% | 6% | 6% |
Documents
Announcements
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Disclosure Pursuant To Regulation 30 Of The SEBI (Listing Obligation And Disclosure Requirements) Regulations, 2015
2h - RBI rejects appointment of Mr. Pinank Jayant Shah as Whole-time Director & CEO of Capital India Finance.
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
30 May - Disclosure under Regulation 30 of SEBI (LODR) Regulations, 2015 with respect to Allotment of Equity Shares pursuant to CIFL Employee Stock Option Scheme
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Compliances-Reg.24(A)-Annual Secretarial Compliance
29 May - Annual Secretarial Compliance Report for FY 2024-25 confirming regulatory compliance and minor past penalties addressed.
- Announcement under Regulation 30 (LODR)-Newspaper Publication 28 May
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
26 May - CIFL crosses ₹1000 Cr AUM in FY25 with 7% growth, strong asset quality, and strategic MSME focus.
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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Business Overview:[1]
CIFL is an integrated financial services platform offering customized finance solutions. It provides loans against property to SME/MSME segments and offers corporate/structured finance loans. The company now focuses on the SME business class, expanding from its earlier focus on commercial real estate.