Capital Trade Links Ltd

₹ 26.2 -4.94%

05 Oct 4:01 p.m.

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

Current and legacy business
⁠Incorporated in 1984, CTL received RBI registration in FY2002. It is a non-deposit-taking Investment and Credit Company. Financing is the only activity. ^[1]^[2]

Website BSE

Market Cap ₹ 337 Cr.
Current Price ₹ 26.2
High / Low ₹ 32.2 / 14.3
Stock P/E 107
Book Value ₹ 5.57
Dividend Yield 0.00 %
ROCE 7.02 %
ROE 2.64 %
Face Value ₹ 1.00

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Pros

Cons

Stock is trading at 5.03 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 7.62% 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

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	7.08	8.94	11.88	7.65	6.48	5.55	6.43	6.73	6.29	5.34	5.66	4.38	6.77
Interest	2.87	3.12	5.22	3.67	2.88	3.20	2.07	2.46	2.60	2.75	3.03	3.06	2.60
	2.26	4.35	5.90	3.15	2.40	2.43	1.45	2.39	1.22	1.42	1.13	5.79	1.29
Financing Profit	1.95	1.47	0.76	0.83	1.20	-0.08	2.91	1.88	2.47	1.17	1.50	-4.47	2.88
Financing Margin %	27.54%	16.44%	6.40%	10.85%	18.52%	-1.44%	45.26%	27.93%	39.27%	21.91%	26.50%	-102.05%	42.54%
	0.00	0.43	6.41	1.52	2.65	0.52	0.04	0.00	1.14	1.98	0.05	0.40	1.46
Depreciation	0.01	0.01	0.01	0.19	0.01	0.01	0.01	0.25	0.24	0.19	0.18	0.17	0.07
Profit before tax	1.94	1.89	7.16	2.16	3.84	0.43	2.94	1.63	3.37	2.96	1.37	-4.24	4.27
Tax %	30.93%	30.16%	21.65%	39.35%	30.73%	69.77%	24.15%	18.40%	26.71%	22.30%	24.82%	-27.59%	31.62%
	1.35	1.32	5.61	1.32	2.66	0.12	2.22	1.33	2.48	2.29	1.02	-3.07	2.92
EPS in Rs	0.11	0.11	0.46	0.11	0.22	0.01	0.17	0.10	0.19	0.18	0.08	-0.24	0.23
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1.84	1.38	9.22	3.84	4.74	4.80	5.27	9.71	16.84	36.00	25.40	23.70	22.15
Interest	0.25	0.18	0.44	0.36	0.49	0.32	0.53	1.60	4.77	15.18	10.84	11.43	11.44
	1.24	17.56	7.67	2.40	2.08	3.04	2.66	4.99	8.30	15.12	11.62	12.57	9.63
Financing Profit	0.35	-16.36	1.11	1.08	2.17	1.44	2.08	3.12	3.77	5.70	2.94	-0.30	1.08
Financing Margin %	19.02%	-1,185.51%	12.04%	28.12%	45.78%	30.00%	39.47%	32.13%	22.39%	15.83%	11.57%	-1.27%	4.88%
	0.00	16.90	0.00	0.32	0.01	0.03	0.01	0.04	0.00	7.92	2.79	3.68	3.89
Depreciation	0.00	0.00	0.01	0.02	0.03	0.03	0.02	0.03	0.03	0.55	0.98	0.78	0.61
Profit before tax	0.35	0.54	1.10	1.38	2.15	1.44	2.07	3.13	3.74	13.07	4.75	2.60	4.36
Tax %	40.00%	29.63%	30.00%	31.16%	24.19%	34.03%	31.88%	21.09%	33.16%	26.78%	52.42%	28.08%
	0.21	0.37	0.77	0.94	1.63	0.95	1.41	2.47	2.50	9.57	2.26	1.87	3.16
EPS in Rs	0.02	0.04	0.08	0.09	0.16	0.09	0.13	0.20	0.20	0.78	0.18	0.15	0.25
Dividend Payout %	0.00%	0.00%	49.68%	54.26%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	33%
5 Years:	35%
3 Years:	12%
TTM:	-11%

Compounded Profit Growth
10 Years:	18%
5 Years:	6%
3 Years:	-9%
TTM:	-49%

Stock Price CAGR
10 Years:	1%
5 Years:	56%
3 Years:	14%
1 Year:	19%

Return on Equity
10 Years:	7%
5 Years:	8%
3 Years:	8%
Last Year:	3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	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	0.26	9.73	10.04	10.99	11.67	17.01	18.43	25.50	32.44	48.73	63.40	58.83
Borrowing	4.93	9.23	4.69	7.24	7.89	0.55	16.39	15.86	115.28	165.43	129.97	128.43
	0.26	0.28	0.87	0.59	0.85	1.14	1.92	1.21	5.70	8.99	10.76	12.84
Total Liabilities	10.45	24.34	20.70	23.92	25.51	24.09	42.13	48.67	159.52	229.25	210.57	212.98
	0.00	0.30	0.34	0.35	0.34	0.32	0.42	0.40	0.48	4.42	3.99	3.22
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	2.72	0.29	0.01	0.01	0.20	1.55	3.42	8.97	26.99	24.44
	10.45	24.04	17.64	23.28	25.16	23.76	41.51	46.72	155.62	215.86	179.59	185.32
Total Assets	10.45	24.34	20.70	23.92	25.51	24.09	42.13	48.67	159.52	229.25	210.57	212.98

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-2.98	-12.83	7.94	-5.78	-1.59	2.69	-15.37	-0.25	-95.47	-60.34	17.93	-3.24
	0.00	-0.30	-2.77	2.40	0.27	0.03	-0.31	-1.30	-1.84	2.80	-7.12	6.13
	3.47	13.50	-4.54	2.54	0.65	-2.65	15.84	4.78	103.87	56.96	-19.23	-1.55
Net Cash Flow	0.49	0.38	0.64	-0.84	-0.66	0.07	0.17	3.22	6.55	-0.59	-8.42	1.34
Free Cash Flow	-2.98	-13.13	7.89	-5.81	-1.61	2.68	-15.50	-0.25	-95.50	-60.36	18.93	-3.22
CFO/OP	-492%	78%	523%	-376%	-44%	189%	-574%	9%	-1,110%	-283%	130%	-29%

Ratios

Standalone / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	4.07%	3.68%	5.14%	6.02%	9.92%	4.85%	6.10%	8.91%	7.13%	20.50%	3.63%	2.64%

Insights

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Assets Under Management (AUM) / Loan Portfolio
Rs. Crore

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Gross Non-Performing Assets (GNPA) %
%

Number of Permanent Employees
count

Capital to Risk Assets Ratio (CRAR)
%

Auto Loans % of Portfolio
%

Number of States of Operation
count

Top Product (Business/Personal/Micro Finance Loans) % of Portfolio
%

Number of Branches
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

7 Recently

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	40.29%	40.29%	40.34%	40.38%	38.25%	38.25%	38.89%	39.28%	39.72%	39.76%	39.85%	39.85%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.16%	0.16%	0.00%	0.00%	0.00%	0.00%	0.00%
	59.72%	59.73%	59.67%	59.62%	61.77%	61.59%	60.96%	60.72%	60.27%	60.25%	60.16%	60.16%
No. of Shareholders	5,297	5,090	5,053	4,932	5,576	5,297	6,594	6,959	6,727	6,999	6,671	6,514

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	29.27%	34.05%	38.33%	41.21%	43.50%	40.27%	40.28%	40.34%	38.89%	39.85%	39.85%
	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%	0.00%	0.01%	0.00%	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%	60.16%	60.16%
No. of Shareholders	1,497	6,183	5,553	4,949	4,342	7,561	5,630	5,053	6,594	6,671	6,514

* 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

Insights

Shareholding Pattern

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