Capital India Finance Ltd

Capital India Finance Ltd

₹ 115 0.88%
14 Jun - close price
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]

  • Market Cap 894 Cr.
  • Current Price 115
  • High / Low 165 / 91.0
  • Stock P/E
  • Book Value 80.1
  • Dividend Yield 0.09 %
  • ROCE 5.93 %
  • ROE -1.47 %
  • Face Value 10.0

Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -2.92% 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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
106.97 253.24 128.37 144.85 152.57 158.87 169.27 161.79 159.74 174.99 174.91 165.70 164.52
98.21 240.16 112.96 139.69 133.94 158.83 162.00 160.15 155.99 146.23 145.70 132.89 139.99
Operating Profit 8.76 13.08 15.41 5.16 18.63 0.04 7.27 1.64 3.75 28.76 29.21 32.81 24.53
OPM % 8.19% 5.17% 12.00% 3.56% 12.21% 0.03% 4.29% 1.01% 2.35% 16.44% 16.70% 19.80% 14.91%
0.01 0.00 0.04 0.28 1.89 2.00 1.59 1.98 1.69 11.47 2.47 1.27 3.00
Interest 8.40 9.01 12.46 13.26 16.42 19.06 18.68 20.85 22.04 25.74 26.24 27.59 22.48
Depreciation 4.07 4.37 5.27 5.41 5.85 5.89 6.30 6.43 6.15 7.31 7.96 7.64 7.26
Profit before tax -3.70 -0.30 -2.28 -13.23 -1.75 -22.91 -16.12 -23.66 -22.75 7.18 -2.52 -1.15 -2.21
Tax % -52.16% -306.67% -57.02% -18.22% 85.71% -2.66% -11.35% 8.37% -5.23% 32.45% -102.78% -105.22% -71.95%
-5.64 -1.22 -3.57 -15.65 -0.25 -23.51 -17.95 -21.68 -23.94 4.85 -5.11 -2.37 -3.80
EPS in Rs -0.57 0.17 0.07 -0.89 0.30 -1.60 -1.02 -1.23 -1.51 1.34 0.01 0.04 0.11
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
26 60 179 318 532 655 680
11 31 127 265 476 633 565
Operating Profit 15 28 53 54 56 22 115
OPM % 58% 47% 29% 17% 11% 3% 17%
0 0 0 -0 -2 1 18
Interest 10 9 17 24 51 84 102
Depreciation 0 8 12 15 21 25 30
Profit before tax 4 11 24 15 -18 -85 1
Tax % 37% 42% 43% 59% -18% -2% 599%
3 7 14 6 -21 -87 -6
EPS in Rs 4.43 0.84 2.22 1.23 -0.36 -5.35 1.50
Dividend Payout % 13% 48% 5% 8% -28% -2% 0%
Compounded Sales Growth
10 Years: %
5 Years: 63%
3 Years: 29%
TTM: 4%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 78%
Stock Price CAGR
10 Years: 20%
5 Years: -5%
3 Years: 0%
1 Year: 17%
Return on Equity
10 Years: %
5 Years: -1%
3 Years: -3%
Last Year: -1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 4 78 78 78 78 78 78
Reserves 128 430 444 485 543 528 545
7 132 121 327 764 924 899
16 30 70 154 242 265 279
Total Liabilities 154 670 713 1,044 1,626 1,795 1,801
8 31 47 56 78 81 104
CWIP 2 2 1 5 11 35 0
Investments 0 24 9 0 10 44 10
144 614 656 982 1,528 1,634 1,687
Total Assets 154 670 713 1,044 1,626 1,795 1,801

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-5 -453 30 -69 -313 -21 121
-21 -29 25 -87 -110 -19 1
-6 490 -17 231 480 80 -124
Net Cash Flow -32 8 38 74 56 41 -2

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 4 0 1 8 6 10 11
Inventory Days
Days Payable
Cash Conversion Cycle 4 0 1 8 6 10 11
Working Capital Days 1,176 -69 -101 -65 -73 -79 -85
ROCE % 5% 6% 5% 3% -0%

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

Concalls