Capfin India Ltd

₹ 126 0.00%

15 Sep - close price

About

Incorporated in 1992, Capfin India Ltd is
engaged in providing loans and making investments^[1]

Key Points

Business Overview:^[1]^[2]
CIL is registered as a non-systematically important non-deposit taking non-banking financial company categorised under the
Base Layer (NBFC-BL). It is in the business
of providing loans to corporates and non corporates

Website BSE

Market Cap ₹ 57.5 Cr.
Current Price ₹ 126
High / Low ₹ 174 / 97.3
Stock P/E
Book Value ₹ 24.8
Dividend Yield 0.00 %
ROCE -9.32 %
ROE -7.33 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.

Cons

Stock is trading at 5.10 times its book value
Company has low interest coverage ratio.
The company has delivered a poor sales growth of 10.4% over past five years.
Company has a low return on equity of -5.77% 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
	0.12	0.04	0.03	0.18	0.06	0.71	0.08	0.06	0.06	0.06	0.06	0.06	0.15
Interest	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
	0.09	0.03	0.15	0.78	0.05	0.21	0.01	0.49	0.40	0.12	0.12	0.37	0.34
Financing Profit	0.03	0.01	-0.12	-0.60	0.01	0.50	0.07	-0.43	-0.34	-0.06	-0.06	-0.31	-0.19
Financing Margin %	25.00%	25.00%	-400.00%	-333.33%	16.67%	70.42%	87.50%	-716.67%	-566.67%	-100.00%	-100.00%	-516.67%	-126.67%
	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
Depreciation	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
Profit before tax	0.03	0.01	-0.12	-0.60	0.01	0.50	0.07	-0.43	-0.34	-0.06	-0.06	-0.31	-0.19
Tax %	0.00%	0.00%	0.00%	-33.33%	0.00%	20.00%	0.00%	-23.26%	-26.47%	-33.33%	-33.33%	-12.90%	63.16%
	0.03	0.01	-0.12	-0.39	0.01	0.40	0.07	-0.33	-0.25	-0.03	-0.05	-0.27	-0.31
EPS in Rs	0.10	0.03	-0.42	-1.36	0.03	1.40	0.24	-1.12	-0.85	-0.10	-0.17	-0.68	-0.68
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
	3.43	0.21	0.20	0.12	0.15	0.14	0.14	0.18	0.34	0.24	0.91	0.23	0.33
Interest	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
	3.41	0.67	0.14	0.11	0.12	0.12	0.10	0.13	0.12	0.91	0.74	1.00	0.95
Financing Profit	0.02	-0.46	0.06	0.01	0.03	0.02	0.04	0.05	0.22	-0.67	0.17	-0.77	-0.62
Financing Margin %	0.58%	-219.05%	30.00%	8.33%	20.00%	14.29%	28.57%	27.78%	64.71%	-279.17%	18.68%	-334.78%	-187.88%
	0.00	0.00	0.01	0.00	0.00	0.02	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	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
Profit before tax	0.02	-0.46	0.07	0.01	0.03	0.04	0.05	0.05	0.22	-0.67	0.17	-0.77	-0.62
Tax %	50.00%	0.00%	14.29%	0.00%	33.33%	0.00%	0.00%	20.00%	13.64%	-29.85%	0.00%	-22.08%
	0.02	-0.47	0.05	0.01	0.01	0.03	0.04	0.04	0.18	-0.46	0.16	-0.60	-0.66
EPS in Rs	0.07	-1.64	0.17	0.03	0.03	0.10	0.14	0.14	0.63	-1.61	0.54	-1.51	-1.63
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	1%
5 Years:	10%
3 Years:	-12%
TTM:	-64%

Compounded Profit Growth
10 Years:	-3%
5 Years:	%
3 Years:	%
TTM:	-500%

Stock Price CAGR
10 Years:	49%
5 Years:	98%
3 Years:	19%
1 Year:	-24%

Return on Equity
10 Years:	-1%
5 Years:	-3%
3 Years:	-6%
Last Year:	-7%

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	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.94	3.97
Reserves	0.73	0.27	0.32	0.38	0.39	0.45	0.14	0.02	0.20	-0.27	3.61	5.86
Borrowing	0.00	0.00	0.00	0.00	0.01	0.02	0.02	0.00	0.00	0.00	0.05	0.10
	0.04	0.02	0.03	0.03	0.02	0.04	0.01	0.01	0.04	0.00	0.07	0.10
Total Liabilities	3.63	3.15	3.21	3.27	3.28	3.37	3.03	2.89	3.10	2.59	6.67	10.03
	0.01	0.00	0.00	0.26	0.25	0.25	0.24	0.24	0.00	0.00	0.00	0.00
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	1.74	1.60	1.60	1.39	1.34	1.26	0.91	0.92	1.72	0.55	0.00	0.00
	1.88	1.55	1.61	1.62	1.69	1.86	1.88	1.73	1.38	2.04	6.67	10.03
Total Assets	3.63	3.15	3.21	3.27	3.28	3.37	3.03	2.89	3.10	2.59	6.67	10.03

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
	0.15	-0.16	0.08	-0.15	-0.06	-0.11	0.01	0.13	0.35	-0.97	-0.28	-2.17
	-0.51	0.23	-0.08	0.04	0.05	0.10	0.00	-0.13	-0.39	0.88	-1.45	0.00
	0.00	0.00	0.00	0.00	0.01	0.01	0.00	-0.02	0.00	0.00	3.83	3.93
Net Cash Flow	-0.35	0.07	0.00	-0.11	0.00	-0.01	0.01	-0.01	-0.04	-0.09	2.10	1.76
Free Cash Flow	0.15	-0.16	0.08	-0.15	-0.06	-0.11	0.01	0.13	0.35	-0.97	-0.28	-2.17
CFO/OP	800%	35%	150%	-1,400%	-200%	-500%	50%	260%	159%	143%	-165%	282%

Ratios

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
ROE %	0.56%	-13.99%	1.58%	0.31%	0.31%	0.91%	1.27%	1.36%	6.06%	-16.28%	3.50%	-7.33%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loan Book (AUM)
INR lakhs

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Corporate Lending (Loan Book Component)
INR lakhs

Small Business Lending (Loan Book Component)
INR lakhs

Number of Major Customers
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	18.15%	18.15%	18.15%	18.15%	65.31%	65.31%	66.18%	66.18%	66.18%	66.18%	71.18%	71.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.78%	6.60%
	81.86%	81.85%	81.84%	81.86%	34.69%	34.67%	33.81%	33.82%	33.82%	33.82%	25.04%	22.28%
No. of Shareholders	329	339	601	937	875	1,250	1,202	1,136	1,136	1,013	995	976

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	5.39%	5.39%	5.39%	7.98%	9.45%	10.51%	15.40%	18.15%	18.15%	66.18%	71.18%	71.12%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.78%	6.60%
	94.61%	94.61%	94.60%	92.02%	90.55%	89.49%	84.60%	81.86%	81.84%	33.81%	25.04%	22.28%
No. of Shareholders	633	629	632	352	321	326	321	309	601	1,202	995	976

* 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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Capfin India Ltd

Capfin India Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports