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 ₹ 212 Cr.
- Current Price ₹ 16.4
- High / Low ₹ 32.2 / 14.3
- Stock P/E 113
- Book Value ₹ 5.69
- Dividend Yield 0.00 %
- ROCE 6.96 %
- ROE 2.63 %
- Face Value ₹ 1.00
Pros
Cons
- Stock is trading at 2.89 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%
* 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | |
|---|---|---|
| 25.20 | 30.56 | |
| Interest | 10.84 | 11.43 |
| 11.63 | 19.30 | |
| Financing Profit | 2.73 | -0.17 |
| Financing Margin % | 10.83% | -0.56% |
| 3.00 | 3.56 | |
| Depreciation | 0.98 | 0.78 |
| Profit before tax | 4.75 | 2.61 |
| Tax % | 52.42% | 27.97% |
| 2.26 | 1.88 | |
| EPS in Rs | 0.18 | 0.15 |
| Dividend Payout % | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 21% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -17% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -10% |
| 5 Years: | 44% |
| 3 Years: | 7% |
| 1 Year: | -15% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| Last Year: | 3% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 6.44 | 12.88 |
| Reserves | 63.40 | 60.42 |
| Borrowing | 129.97 | 130.25 |
| 10.76 | 11.31 | |
| Total Liabilities | 210.57 | 214.86 |
| 3.99 | 3.22 | |
| CWIP | 0.00 | 0.00 |
| Investments | 26.99 | 24.44 |
| 179.59 | 187.20 | |
| Total Assets | 210.57 | 214.86 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | |
|---|---|---|
| 17.93 | -4.71 | |
| -7.12 | 6.13 | |
| -19.23 | 0.08 | |
| Net Cash Flow | -8.42 | 1.50 |
| Free Cash Flow | 18.93 | -4.69 |
| CFO/OP | 132% | -42% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | |
|---|---|---|
| ROE % | 3.24% | 2.63% |
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) INR Crores ・Standalone data |
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| Gross NPA Percentage % ・Standalone data |
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| Number of Employees Count ・Standalone data |
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| Capital Adequacy (Tier I) % ・Standalone data |
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| AUM Share - Business Loans % ・Standalone data |
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| State Presence Count ・Standalone data |
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| Net NPA Percentage % ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
22h - Board approved FY26 audited results, appointed internal auditor, and replaced CFO effective May 18, 2026.
- Financial Results For The Quarter And Year Ended On March 31, 2026. 22h
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Board Meeting Outcome for Board Meeting Outcome For Audited Standalone And Consolidated Financial Results For The Quarter And Year Ended March 31, 2026.
22h - Board approved FY26 audited results, noted Sunil Kumar’s CFO resignation, and named Raj Kumar Gupta CFO from May 18, 2026.
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Board Meeting Intimation for Consideration And Approval Of The Standalone And Consolidated Audited Financial Results For The Quarter And Year Ended March 31, 2026.
13 May - Board meeting on 18 May 2026 to approve audited FY2026 standalone and consolidated results.
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Announcement Under Regulation 30 (LODR)-Newspaper Publication
1 May - Newspaper publication for re-lodgment of transfer request of physical shares.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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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]