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 ₹ 1,516 Cr.
- Current Price ₹ 195
- High / Low ₹ 278 / 97.6
- Stock P/E
- Book Value ₹ 80.4
- Dividend Yield 0.05 %
- ROCE 6.11 %
- ROE -1.50 %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of -2.93% 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
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 | TTM | |
|---|---|---|---|---|---|---|---|---|
| 26 | 60 | 179 | 318 | 532 | 655 | 684 | 655 | |
| 11 | 31 | 127 | 265 | 476 | 633 | 562 | 538 | |
| Operating Profit | 15 | 28 | 53 | 54 | 56 | 22 | 122 | 117 |
| OPM % | 58% | 47% | 29% | 17% | 11% | 3% | 18% | 18% |
| 0 | 0 | 0 | -0 | -2 | 1 | 15 | 7 | |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 101 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 31 |
| Profit before tax | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -8 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | |
| 3 | 7 | 14 | 6 | -21 | -87 | -6 | -12 | |
| EPS in Rs | 4.43 | 0.84 | 2.22 | 1.23 | -0.36 | -5.35 | 1.50 | 0.33 |
| Dividend Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 63% |
| 3 Years: | 29% |
| TTM: | -3% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 76% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 37% |
| 5 Years: | 14% |
| 3 Years: | 16% |
| 1 Year: | 51% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -1% |
| 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 | Sep 2024 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 128 | 430 | 444 | 485 | 543 | 528 | 545 | 548 |
| 7 | 132 | 121 | 327 | 764 | 924 | 899 | 903 | |
| 16 | 30 | 70 | 154 | 242 | 265 | 279 | 217 | |
| Total Liabilities | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,745 |
| 8 | 31 | 47 | 56 | 78 | 81 | 94 | 104 | |
| CWIP | 2 | 2 | 1 | 5 | 11 | 35 | 10 | 1 |
| Investments | 0 | 24 | 9 | 0 | 10 | 44 | 10 | 59 |
| 144 | 614 | 656 | 982 | 1,528 | 1,634 | 1,687 | 1,582 | |
| Total Assets | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,745 |
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 | -23 | 121 | |
| -21 | -29 | 25 | -87 | -110 | -16 | 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 | -78 |
| ROCE % | 5% | 6% | 5% | 3% | -0% | 6% |
Documents
Announcements
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Reserve Bank Of India Has Renewed The Grant Of Authorised Dealer Category-II & Money Transfer Service Scheme (MTSS) License Of The Company
6 Dec - Renewal of licenses by Reserve Bank of India.
-
Announcement under Regulation 30 (LODR)-Credit Rating
22 Nov - Credit rating reaffirmed with outlook change.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
13 Nov - With respect to Newspaper Publication of financial results for the quarter and half year ended September 2024.
- Submission Of Standalone And Consolidated Financial Results Of The Company For The Quarter And Half-Year Period Ended On September 30, 2024 12 Nov
-
Board Meeting Outcome for Outcome Of The Meeting Of The Board Of Capital India Finance Limited Held On November 12, 2024
12 Nov - Board approved unaudited financial results for Q2 FY2024.
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.