Capital Trade Links Ltd
Incorporated in 1984, the company is principally engaged in the business of advancing loans and financing. The Company offers credit facilities to individuals and business clients in low & medium range offering various products and services which includes personal loan and secured loan. The company has its presence majorly in North India. [1]
- Market Cap ₹ 280 Cr.
- Current Price ₹ 21.8
- High / Low ₹ 29.2 / 15.4
- Stock P/E 58.5
- Book Value ₹ 5.42
- Dividend Yield 0.00 %
- ROCE 7.42 %
- ROE 3.63 %
- Face Value ₹ 1.00
Pros
- Company has reduced debt.
Cons
- Stock is trading at 4.01 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding is low: 39.3%
- Company has a low return on equity of 9.95% 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
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
4.33 | 1.84 | 1.38 | 9.22 | 3.84 | 4.74 | 4.80 | 5.27 | 9.71 | 16.84 | 36.00 | 25.40 | 25.00 | |
4.18 | 1.24 | 17.56 | 7.67 | 2.40 | 2.08 | 3.04 | 2.66 | 4.99 | 8.30 | 15.12 | 11.62 | 8.51 | |
Operating Profit | 0.15 | 0.60 | -16.18 | 1.55 | 1.44 | 2.66 | 1.76 | 2.61 | 4.72 | 8.54 | 20.88 | 13.78 | 16.49 |
OPM % | 3.46% | 32.61% | -1,172.46% | 16.81% | 37.50% | 56.12% | 36.67% | 49.53% | 48.61% | 50.71% | 58.00% | 54.25% | 65.96% |
0.00 | 0.00 | 16.90 | 0.00 | 0.32 | 0.01 | 0.03 | 0.01 | 0.04 | 0.00 | 7.92 | 2.79 | 1.70 | |
Interest | 0.07 | 0.25 | 0.18 | 0.44 | 0.36 | 0.49 | 0.32 | 0.53 | 1.60 | 4.77 | 15.18 | 10.84 | 10.41 |
Depreciation | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.55 | 0.98 | 0.78 |
Profit before tax | 0.08 | 0.35 | 0.54 | 1.10 | 1.38 | 2.15 | 1.44 | 2.07 | 3.13 | 3.74 | 13.07 | 4.75 | 7.00 |
Tax % | 37.50% | 40.00% | 29.63% | 30.00% | 31.16% | 24.19% | 34.03% | 31.88% | 21.09% | 33.16% | 26.78% | 52.42% | |
0.05 | 0.21 | 0.37 | 0.77 | 0.94 | 1.63 | 0.95 | 1.41 | 2.47 | 2.50 | 9.57 | 2.26 | 4.79 | |
EPS in Rs | 0.00 | 0.02 | 0.04 | 0.08 | 0.09 | 0.16 | 0.09 | 0.13 | 0.20 | 0.20 | 0.78 | 0.18 | 0.37 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 49.68% | 54.26% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 30% |
5 Years: | 40% |
3 Years: | 38% |
TTM: | -28% |
Compounded Profit Growth | |
---|---|
10 Years: | 27% |
5 Years: | 19% |
3 Years: | -3% |
TTM: | -56% |
Stock Price CAGR | |
---|---|
10 Years: | -6% |
5 Years: | 56% |
3 Years: | 46% |
1 Year: | -10% |
Return on Equity | |
---|---|
10 Years: | 8% |
5 Years: | 9% |
3 Years: | 10% |
Last Year: | 4% |
Balance Sheet
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 5.00 | 5.00 | 5.10 | 5.10 | 5.10 | 5.10 | 5.39 | 5.39 | 6.10 | 6.10 | 6.10 | 6.44 |
Reserves | 0.05 | 0.26 | 9.73 | 10.04 | 10.99 | 11.67 | 17.01 | 18.43 | 25.50 | 32.44 | 48.73 | 63.40 |
1.46 | 4.93 | 9.23 | 4.69 | 7.24 | 7.89 | 0.55 | 16.39 | 15.86 | 115.28 | 165.43 | 129.97 | |
0.06 | 0.26 | 0.28 | 0.87 | 0.59 | 0.85 | 1.14 | 1.92 | 1.21 | 5.70 | 8.99 | 10.76 | |
Total Liabilities | 6.57 | 10.45 | 24.34 | 20.70 | 23.92 | 25.51 | 24.09 | 42.13 | 48.67 | 159.52 | 229.25 | 210.57 |
0.00 | 0.00 | 0.30 | 0.34 | 0.35 | 0.34 | 0.32 | 0.42 | 0.40 | 0.48 | 4.42 | 3.99 | |
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 | 0.00 | 0.00 | 0.00 | 2.72 | 0.29 | 0.01 | 0.01 | 0.20 | 1.55 | 3.42 | 8.97 | 26.99 |
6.57 | 10.45 | 24.04 | 17.64 | 23.28 | 25.16 | 23.76 | 41.51 | 46.72 | 155.62 | 215.86 | 179.59 | |
Total Assets | 6.57 | 10.45 | 24.34 | 20.70 | 23.92 | 25.51 | 24.09 | 42.13 | 48.67 | 159.52 | 229.25 | 210.57 |
Cash Flows
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
2.36 | -2.98 | -12.83 | 7.94 | -5.78 | -1.59 | 2.69 | -15.37 | -0.25 | -95.47 | -60.34 | 17.93 | |
0.53 | 0.00 | -0.30 | -2.77 | 2.40 | 0.27 | 0.03 | -0.31 | -1.30 | -1.84 | 2.80 | -7.12 | |
-3.03 | 3.47 | 13.50 | -4.54 | 2.54 | 0.65 | -2.65 | 15.84 | 4.78 | 103.87 | 56.96 | -19.23 | |
Net Cash Flow | -0.14 | 0.49 | 0.38 | 0.64 | -0.84 | -0.66 | 0.07 | 0.17 | 3.22 | 6.55 | -0.59 | -8.42 |
Ratios
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 0.00 | 0.00 | 0.40 | 0.00 | 0.77 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | 0.00 | 51.41 | 66.51 | 12.46 | 187.57 | 156.43 | ||||||
Days Payable | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||||
Cash Conversion Cycle | 0.00 | 51.41 | 66.51 | 12.85 | 187.57 | 157.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 423.16 | 940.27 | 3,605.04 | 417.65 | 1,408.67 | 29.26 | 23.57 | -1.39 | -15.41 | -89.30 | -87.80 | -146.57 |
ROCE % | 1.88% | 7.19% | 4.20% | 7.02% | 8.06% | 11.00% | 7.39% | 8.23% | 10.79% | 8.46% | 15.10% | 7.42% |
Documents
Announcements
-
Closure of Trading Window
2d - Trading window closed Oct 1, 2025 until 48 hours after board meeting for results ended Sep 30, 2025.
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Disclosure As Per Regulation 7(2) Of SEBI (Prohibition Of Insider Trading) Regulations, 2015.
26 Sep - Promoters purchased 150,000 and 20,000 CTL shares on Sep 25-26, 2025.
-
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
13 Sep - 40th AGM on Sep 12, 2025: FY2025 audited financials adopted; Vinay Chawla appointed whole-time director; voting approved.
- Shareholder Meeting / Postal Ballot-Outcome of AGM 12 Sep
-
Disclosure As Per Regulation 7(2) Of SEBI (Prohibition Of Insider Trading) Regulations, 2015.
12 Sep - Promoter filed Form C disclosing purchase of equity shares on September 12, 2025.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
History
CTL Ltd, an NBFC registered with RBI, started working in 1984 and got listed at BSE in 2014. In 2017, the company became a Mutual Funds Distributor through AMFI and also started Financing Vehicle loans (E - Rickshaw), Personal loans. [1]