Capital Trade Links Ltd

Capital Trade Lk Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capital Trade Links Ltd

₹ 50.6 1.10%
12 Dec 4:00 p.m.
capitaltrade.in BSE: 538476
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 ₹ 329 Cr.
  • Current Price ₹ 50.6
  • High / Low ₹ 65.6 / 32.5
  • Stock P/E 33.6
  • Book Value ₹ 11.0
  • Dividend Yield 0.00 %
  • ROCE 15.0 %
  • ROE 20.7 %
  • Face Value ₹ 1.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 42.9% CAGR over last 5 years
  • Promoter holding has increased by 1.23% over last quarter.

Cons

  • Stock is trading at 4.61 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: 38.2%
  • Company has a low return on equity of 13.4% over last 3 years.
  • Earnings include an other income of Rs.11.3 Cr.

* 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

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
2.30 2.13 3.47 2.99 3.72 4.77 5.32 7.08 8.94 11.88 7.48 6.48 5.55
1.96 1.78 0.37 2.03 1.99 1.94 2.34 2.26 4.35 5.90 3.38 2.40 2.43
Operating Profit 0.34 0.35 3.10 0.96 1.73 2.83 2.98 4.82 4.59 5.98 4.10 4.08 3.12
OPM % 14.78% 16.43% 89.34% 32.11% 46.51% 59.33% 56.02% 68.08% 51.34% 50.34% 54.81% 62.96% 56.22%
0.03 0.00 0.01 0.00 0.00 0.02 0.01 0.00 0.43 6.41 1.72 2.65 0.52
Interest 0.44 0.17 0.72 0.30 0.56 1.55 2.35 2.87 3.12 5.22 3.54 2.88 3.20
Depreciation 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Profit before tax -0.08 0.17 2.38 0.65 1.16 1.29 0.63 1.94 1.89 7.16 2.27 3.84 0.43
Tax % 37.50% 23.53% 15.97% 35.38% 28.45% 43.41% 17.46% 30.93% 30.16% 21.65% 37.44% 30.73% 69.77%
-0.11 0.13 2.00 0.43 0.83 0.73 0.51 1.35 1.32 5.61 1.42 2.66 0.12
EPS in Rs -0.02 0.02 0.33 0.07 0.14 0.12 0.08 0.22 0.22 0.92 0.23 0.44 0.02
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
2.56 4.33 1.84 1.38 9.22 3.84 4.74 4.80 5.27 9.71 16.84 36.00 31.39
2.52 4.18 1.24 17.56 7.67 2.40 2.08 3.04 2.66 4.99 8.30 15.88 14.11
Operating Profit 0.04 0.15 0.60 -16.18 1.55 1.44 2.66 1.76 2.61 4.72 8.54 20.12 17.28
OPM % 1.56% 3.46% 32.61% -1,172.46% 16.81% 37.50% 56.12% 36.67% 49.53% 48.61% 50.71% 55.89% 55.05%
0.00 0.00 0.00 16.90 0.00 0.32 0.01 0.03 0.01 0.04 0.00 7.92 11.30
Interest 0.00 0.07 0.25 0.18 0.44 0.36 0.49 0.32 0.53 1.60 4.77 14.74 14.84
Depreciation 0.00 0.00 0.00 0.00 0.01 0.02 0.03 0.03 0.02 0.03 0.03 0.04 0.04
Profit before tax 0.04 0.08 0.35 0.54 1.10 1.38 2.15 1.44 2.07 3.13 3.74 13.26 13.70
Tax % 25.00% 37.50% 40.00% 29.63% 30.00% 31.16% 24.19% 34.03% 31.88% 21.09% 33.16% 26.85%
0.03 0.05 0.21 0.37 0.77 0.94 1.63 0.95 1.41 2.47 2.50 9.70 9.81
EPS in Rs 0.06 0.01 0.04 0.07 0.15 0.18 0.32 0.18 0.26 0.41 0.41 1.59 1.61
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 49.68% 54.26% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 24%
5 Years: 50%
3 Years: 90%
TTM: 20%
Compounded Profit Growth
10 Years: 69%
5 Years: 43%
3 Years: 90%
TTM: 151%
Stock Price CAGR
10 Years: -7%
5 Years: 71%
3 Years: 71%
1 Year: 40%
Return on Equity
10 Years: 10%
5 Years: 11%
3 Years: 13%
Last Year: 21%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 5.00 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 0.00 0.05 0.26 9.73 10.04 10.99 11.67 17.01 18.43 25.50 32.44 48.95 64.19
4.43 1.46 4.93 9.23 4.69 7.24 7.89 0.55 16.39 15.86 115.28 165.43 102.67
0.01 0.06 0.26 0.28 0.87 0.59 0.85 1.14 1.92 1.21 5.70 7.43 11.34
Total Liabilities 9.44 6.57 10.45 24.34 20.70 23.92 25.51 24.09 42.13 48.67 159.52 227.91 184.64
0.00 0.00 0.00 0.30 0.34 0.35 0.34 0.32 0.42 0.40 0.48 0.45 0.49
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 0.00 2.72 0.29 0.01 0.01 0.20 1.55 3.42 8.97 34.56
9.44 6.57 10.45 24.04 17.64 23.28 25.16 23.76 41.51 46.72 155.62 218.49 149.59
Total Assets 9.44 6.57 10.45 24.34 20.70 23.92 25.51 24.09 42.13 48.67 159.52 227.91 184.64

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1.97 2.36 -2.98 -12.83 7.94 -5.78 -1.59 2.69 -15.37 -0.25 -95.47 -60.34
-2.22 0.53 0.00 -0.30 -2.77 2.40 0.27 0.03 -0.31 -1.30 -1.84 2.80
0.14 -3.03 3.47 13.50 -4.54 2.54 0.65 -2.65 15.84 4.78 103.87 56.95
Net Cash Flow -0.11 -0.14 0.49 0.38 0.64 -0.84 -0.66 0.07 0.17 3.22 6.55 -0.59

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 4.28 0.00 0.00 0.00 0.40 0.00 0.77 0.00 0.00 0.00 0.00 0.00
Inventory Days 534.30 0.00 51.41 66.51 12.46 187.57 156.43
Days Payable 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle 538.58 0.00 51.41 66.51 12.85 187.57 157.20 0.00 0.00 0.00 0.00 0.00
Working Capital Days 1,318.85 546.24 1,918.23 6,046.30 603.32 2,096.85 29.26 23.57 -1.39 -15.41 -89.30 -44.41
ROCE % 0.43% 1.88% 7.19% 4.20% 7.02% 8.06% 11.00% 7.39% 8.23% 10.79% 8.46% 14.96%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
40.27% 40.27% 40.27% 40.27% 40.27% 40.28% 40.28% 40.29% 40.29% 40.34% 37.02% 38.25%
59.73% 59.73% 59.73% 59.74% 59.74% 59.72% 59.73% 59.72% 59.73% 59.67% 62.97% 61.77%
No. of Shareholders 7,5477,5617,1606,6505,9785,6305,4085,2975,0905,0534,9375,576

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