Capital Trade Links Ltd

₹ 17.7 -1.12%

24 Feb - close price

About

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]

Key Points

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]

Website BSE

Market Cap ₹ 228 Cr.
Current Price ₹ 17.7
High / Low ₹ 32.2 / 15.4
Stock P/E 32.0
Book Value ₹ 5.79
Dividend Yield 0.00 %
ROCE 7.42 %
ROE 3.63 %
Face Value ₹ 1.00

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Pros

Cons

Stock is trading at 3.05 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: 39.8%
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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	4.77	5.32	7.08	8.94	11.88	7.65	6.48	5.55	6.43	6.73	6.29	5.34	5.66
Interest	1.55	2.35	2.87	3.12	5.22	3.67	2.88	3.20	2.07	2.46	2.60	2.75	3.03
	1.94	2.34	2.26	4.35	5.90	3.15	2.40	2.43	1.45	2.39	1.22	1.42	1.13
Financing Profit	1.28	0.63	1.95	1.47	0.76	0.83	1.20	-0.08	2.91	1.88	2.47	1.17	1.50
Financing Margin %	26.83%	11.84%	27.54%	16.44%	6.40%	10.85%	18.52%	-1.44%	45.26%	27.93%	39.27%	21.91%	26.50%
	0.02	0.01	0.00	0.43	6.41	1.52	2.65	0.52	0.04	0.00	1.14	1.98	0.05
Depreciation	0.01	0.01	0.01	0.01	0.01	0.19	0.01	0.01	0.01	0.25	0.24	0.19	0.18
Profit before tax	1.29	0.63	1.94	1.89	7.16	2.16	3.84	0.43	2.94	1.63	3.37	2.96	1.37
Tax %	43.41%	17.46%	30.93%	30.16%	21.65%	39.35%	30.73%	69.77%	24.15%	18.40%	26.71%	22.30%	24.82%
	0.73	0.51	1.35	1.32	5.61	1.32	2.66	0.12	2.22	1.33	2.48	2.29	1.02
EPS in Rs	0.06	0.04	0.11	0.11	0.46	0.11	0.22	0.01	0.17	0.10	0.19	0.18	0.08
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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	24.02
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	10.84
	4.18	1.24	17.56	7.67	2.40	2.08	3.04	2.66	4.99	8.30	15.12	11.62	6.16
Financing Profit	0.08	0.35	-16.36	1.11	1.08	2.17	1.44	2.08	3.12	3.77	5.70	2.94	7.02
Financing Margin %	1.85%	19.02%	-1,185.51%	12.04%	28.12%	45.78%	30.00%	39.47%	32.13%	22.39%	15.83%	11.57%	29.23%
	0.00	0.00	16.90	0.00	0.32	0.01	0.03	0.01	0.04	0.00	7.92	2.79	3.17
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	0.86
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	9.33
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	7.12
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	0.55
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:	-8%

Compounded Profit Growth
10 Years:	27%
5 Years:	19%
3 Years:	-3%
TTM:	13%

Stock Price CAGR
10 Years:	-10%
5 Years:	42%
3 Years:	6%
1 Year:	-11%

Return on Equity
10 Years:	8%
5 Years:	9%
3 Years:	10%
Last Year:	4%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 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	12.88
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	61.73
Borrowing	1.46	4.93	9.23	4.69	7.24	7.89	0.55	16.39	15.86	115.28	165.43	129.97	137.49
	0.06	0.26	0.28	0.87	0.59	0.85	1.14	1.92	1.21	5.70	8.99	10.76	13.89
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	225.99
	0.00	0.00	0.30	0.34	0.35	0.34	0.32	0.42	0.40	0.48	4.42	3.99	3.56
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	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	24.08
	6.57	10.45	24.04	17.64	23.28	25.16	23.76	41.51	46.72	155.62	215.86	179.59	198.35
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	225.99

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	1.00%	4.07%	3.68%	5.14%	6.02%	9.92%	4.85%	6.10%	8.91%	7.13%	20.50%	3.63%

Shareholding Pattern

Numbers in percentages

21 Recently

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	40.28%	40.28%	40.29%	40.29%	40.34%	40.38%	38.25%	38.25%	38.89%	39.28%	39.72%	39.76%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.16%	0.16%	0.00%	0.00%	0.00%
	59.72%	59.73%	59.72%	59.73%	59.67%	59.62%	61.77%	61.59%	60.96%	60.72%	60.27%	60.25%
No. of Shareholders	5,630	5,408	5,297	5,090	5,053	4,932	5,576	5,297	6,594	6,959	6,727	6,999

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	29.27%	34.05%	38.33%	41.21%	43.50%	40.27%	40.28%	40.34%	38.89%	39.76%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.16%	0.00%
	0.00%	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	70.73%	65.95%	61.67%	58.78%	56.50%	59.73%	59.72%	59.67%	60.96%	60.25%
No. of Shareholders	1,497	6,183	5,553	4,949	4,342	7,561	5,630	5,053	6,594	6,999

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Capital Trade Links Ltd

Capital Trade Links Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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