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

₹ 42.1 -1.63%
26 Apr - close price
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 ₹ 257 Cr.
  • Current Price ₹ 42.1
  • High / Low ₹ 53.5 / 19.5
  • Stock P/E 29.2
  • Book Value ₹ 7.87
  • Dividend Yield 0.00 %
  • ROCE 8.65 %
  • ROE 7.61 %
  • Face Value ₹ 1.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 21.6% CAGR over last 5 years

Cons

  • Stock is trading at 5.35 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 7.88% over last 3 years.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.6.85 Cr.
  • Promoter holding has decreased over last 3 years: -3.17%

* 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

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
1.55 1.75 1.80 2.30 2.13 3.47 2.99 3.72 4.77 5.32 7.07 8.94 11.88
0.47 1.29 0.88 1.96 1.78 0.37 2.03 1.99 1.94 2.34 2.25 4.35 5.90
Operating Profit 1.08 0.46 0.92 0.34 0.35 3.10 0.96 1.73 2.83 2.98 4.82 4.59 5.98
OPM % 69.68% 26.29% 51.11% 14.78% 16.43% 89.34% 32.11% 46.51% 59.33% 56.02% 68.18% 51.34% 50.34%
-0.00 -0.00 -0.00 0.03 -0.00 0.01 -0.00 -0.00 0.02 0.01 -0.00 0.43 6.41
Interest 0.17 0.30 0.26 0.44 0.17 0.72 0.30 0.56 1.55 2.35 2.87 3.12 5.22
Depreciation -0.00 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 0.91 0.15 0.65 -0.08 0.17 2.38 0.65 1.16 1.29 0.63 1.94 1.89 7.16
Tax % 27.47% 80.00% 32.31% -37.50% 23.53% 15.97% 35.38% 28.45% 43.41% 17.46% 30.93% 30.16% 21.65%
0.65 0.03 0.45 -0.11 0.13 2.00 0.43 0.83 0.73 0.51 1.35 1.32 5.61
EPS in Rs 0.12 0.01 0.07 -0.02 0.02 0.33 0.07 0.14 0.12 0.08 0.22 0.22 0.92
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
0.17 2.56 4.33 1.84 1.38 9.22 3.84 4.74 4.80 5.27 9.71 16.84 33.21
0.15 2.52 4.18 1.24 17.56 7.67 2.40 2.08 3.04 2.66 4.99 8.30 14.84
Operating Profit 0.02 0.04 0.15 0.60 -16.18 1.55 1.44 2.66 1.76 2.61 4.72 8.54 18.37
OPM % 11.76% 1.56% 3.46% 32.61% -1,172.46% 16.81% 37.50% 56.12% 36.67% 49.53% 48.61% 50.71% 55.31%
-0.00 -0.00 -0.00 -0.00 16.90 -0.00 0.32 0.01 0.03 0.01 0.04 -0.00 6.85
Interest -0.00 -0.00 0.07 0.25 0.18 0.44 0.36 0.49 0.32 0.53 1.60 4.77 13.56
Depreciation -0.00 -0.00 -0.00 -0.00 -0.00 0.01 0.02 0.03 0.03 0.02 0.03 0.03 0.04
Profit before tax 0.02 0.04 0.08 0.35 0.54 1.10 1.38 2.15 1.44 2.07 3.13 3.74 11.62
Tax % 50.00% 25.00% 37.50% 40.00% 29.63% 30.00% 31.16% 24.19% 34.03% 31.88% 21.09% 33.16%
0.01 0.03 0.05 0.21 0.37 0.77 0.94 1.63 0.95 1.41 2.47 2.50 8.79
EPS in Rs 0.02 0.06 0.01 0.04 0.07 0.15 0.18 0.32 0.18 0.26 0.41 0.41 1.44
Dividend Payout % -0.00% -0.00% -0.00% -0.00% -0.00% 49.68% 54.26% -0.00% -0.00% -0.00% -0.00% -0.00%
Compounded Sales Growth
10 Years: 21%
5 Years: 34%
3 Years: 52%
TTM: 122%
Compounded Profit Growth
10 Years: 56%
5 Years: 22%
3 Years: 38%
TTM: 120%
Stock Price CAGR
10 Years: %
5 Years: 59%
3 Years: 95%
1 Year: 62%
Return on Equity
10 Years: 7%
5 Years: 8%
3 Years: 8%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 5.00 5.00 5.00 5.00 5.10 5.10 5.10 5.10 5.39 5.39 6.10 6.10 6.10
Reserves -0.03 -0.00 0.05 0.26 9.73 10.04 10.99 11.67 15.24 16.66 25.50 28.00 41.92
4.29 4.43 1.46 4.93 9.23 4.69 7.24 7.89 0.55 16.39 15.86 115.28 145.56
0.25 0.01 0.06 0.26 0.28 0.87 0.59 0.85 2.91 3.69 1.21 10.14 5.62
Total Liabilities 9.51 9.44 6.57 10.45 24.34 20.70 23.92 25.51 24.09 42.13 48.67 159.52 199.20
-0.00 -0.00 -0.00 -0.00 0.30 0.34 0.35 0.34 0.32 0.42 0.40 0.48 0.46
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 -0.00 2.72 0.29 0.01 0.01 0.20 1.55 3.40 16.08
9.51 9.44 6.57 10.45 24.04 17.64 23.28 25.16 23.76 41.51 46.72 155.64 182.66
Total Assets 9.51 9.44 6.57 10.45 24.34 20.70 23.92 25.51 24.09 42.13 48.67 159.52 199.20

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
1.97 2.36 -2.98 -12.83 7.94 -5.78 -1.59 2.69 -15.37 -0.25 -95.47
-2.22 0.53 -0.00 -0.30 -2.77 2.40 0.27 0.03 -0.31 -1.30 -1.84
0.14 -3.03 3.47 13.50 -4.54 2.54 0.65 -2.65 15.84 4.78 103.87
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

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 150.29 4.28 -0.00 -0.00 -0.00 0.40 -0.00 0.77 -0.00 -0.00 -0.00 -0.00
Inventory Days 21,133.50 534.30 -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 -0.00
Cash Conversion Cycle 21,283.79 538.58 -0.00 51.41 66.51 12.85 187.57 157.20 -0.00 -0.00 -0.00 -0.00
Working Capital Days 19,259.12 1,318.85 546.24 1,918.23 6,046.30 603.32 2,096.85 29.26 23.57 -1.39 -15.41 -66.76
ROCE % 0.25% 0.43% 1.88% 7.19% 4.20% 7.02% 8.06% 11.00% 7.68% 8.72% 11.01% 8.65%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
39.90% 40.27% 40.27% 40.27% 40.27% 40.27% 40.27% 40.28% 40.28% 40.29% 40.29% 40.34%
60.10% 59.73% 59.73% 59.73% 59.73% 59.74% 59.74% 59.72% 59.73% 59.72% 59.73% 59.67%
No. of Shareholders 4,4784,4917,5477,5617,1606,6505,9785,6305,4085,2975,0905,053

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