TruCap Finance Ltd
Dhanvarsha Finvest Limited is a non-deposit taking NBFC registered with the RBI. It is engaged in providing financing services to MSMEs and individuals. [1]
- Market Cap ₹ 743 Cr.
- Current Price ₹ 63.6
- High / Low ₹ 87.1 / 37.2
- Stock P/E 107
- Book Value ₹ 19.8
- Dividend Yield 0.02 %
- ROCE 10.4 %
- ROE 2.89 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
- Company's median sales growth is 25.4% of last 10 years
Cons
- Stock is trading at 3.22 times its book value
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -3.93%
- Company has a low return on equity of 3.52% over last 3 years.
- Promoters have pledged 39.3% of their holding.
- Debtor days have increased from 67.2 to 105 days.
- Working capital days have increased from 80.2 days to 136 days
* 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
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2 | 0 | 0 | 0 | 2 | 1 | 12 | 19 | 19 | 24 | 70 | 123 | 153 | |
0 | 0 | 0 | 0 | 2 | 1 | 5 | 12 | 12 | 17 | 31 | 60 | 74 | |
Operating Profit | 2 | 0 | 0 | 0 | 0 | 0 | 6 | 8 | 8 | 7 | 39 | 63 | 79 |
OPM % | 93% | 35% | 23% | 13% | 7% | 3% | 55% | 39% | 40% | 28% | 56% | 51% | 52% |
0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 9 | |
Interest | 2 | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 2 | 4 | 24 | 51 | 71 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 6 | 8 |
Profit before tax | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 2 | 6 | 2 | 11 | 7 | 9 |
Tax % | 0% | 0% | 0% | 33% | 31% | 100% | 11% | 12% | 27% | 61% | 31% | 23% | |
0 | 0 | 0 | 0 | 0 | 0 | 4 | 2 | 4 | 1 | 7 | 6 | 7 | |
EPS in Rs | 0.11 | 0.05 | 0.02 | 0.01 | 0.02 | 0.00 | 1.05 | 0.32 | 0.61 | 0.09 | 0.83 | 0.48 | 0.59 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 19% | 16% | 3% | 11% | 1% | 2% |
Compounded Sales Growth | |
---|---|
10 Years: | 76% |
5 Years: | 60% |
3 Years: | 86% |
TTM: | 33% |
Compounded Profit Growth | |
---|---|
10 Years: | 46% |
5 Years: | 6% |
3 Years: | 11% |
TTM: | -1% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 46% |
3 Years: | -13% |
1 Year: | 43% |
Return on Equity | |
---|---|
10 Years: | 5% |
5 Years: | 5% |
3 Years: | 4% |
Last Year: | 3% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
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 | 3 | 3 | 3 | 6 | 8 | 8 | 8 | 14 | 14 | 15 | 18 | 23 | 23 |
Reserves | 1 | 1 | 1 | 1 | 1 | 1 | 5 | 12 | 16 | 79 | 152 | 190 | 208 |
16 | 11 | 11 | 1 | 1 | 0 | 39 | 25 | 16 | 81 | 286 | 443 | 466 | |
0 | 0 | 0 | 1 | 0 | 0 | 3 | 3 | 3 | 10 | 16 | 22 | 12 | |
Total Liabilities | 19 | 15 | 15 | 10 | 9 | 9 | 55 | 54 | 48 | 185 | 472 | 678 | 708 |
0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 3 | 10 | 18 | 21 | 37 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 11 | 12 | 0 |
Investments | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 0 | 1 | 18 | 51 | 81 | 45 |
19 | 15 | 15 | 10 | 7 | 7 | 53 | 52 | 43 | 155 | 392 | 564 | 626 | |
Total Assets | 19 | 15 | 15 | 10 | 9 | 9 | 55 | 54 | 48 | 185 | 472 | 678 | 708 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0 | 0 | 0 | 6 | -1 | 1 | -41 | 2 | 13 | -78 | -181 | -149 | |
0 | 0 | 0 | 0 | -1 | 0 | 5 | 2 | -4 | -38 | -76 | -69 | |
0 | 0 | -0 | -6 | 1 | -0 | 39 | -3 | -11 | 145 | 283 | 198 | |
Net Cash Flow | 0 | 0 | 0 | 0 | -1 | 1 | 2 | 1 | -2 | 30 | 26 | -20 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
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 | 0 | 0 | 0 | 170 | 2 | 3 | 12 | 0 | 23 | 32 | 64 | 105 |
Inventory Days | 47,815 | 242 | 0 | |||||||||
Days Payable | 1,460 | 11 | ||||||||||
Cash Conversion Cycle | 0 | 0 | 0 | 46,525 | 233 | 3 | 12 | 0 | 23 | 32 | 64 | 105 |
Working Capital Days | 3,429 | 12,087 | -195 | 24 | 165 | -108 | 236 | -11 | 68 | 36 | 68 | 136 |
ROCE % | 9% | 1% | 0% | 0% | 2% | 0% | 22% | 15% | 15% | 5% | 11% | 10% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment
16h - Allotment of (a) 800, 13.10% secured, listed, rated, taxable, transferable, redeemable NCDs having face value of Rs. 1,00,000/- each aggregating to Rs. 8cr to eligible …
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Allotment Of Non-Convertible Debentures (Ncds)
16h - Allotment of: (a) 800, 13.10% secured, listed, rated, taxable, transferable, redeemable NCDs having face value of Rs. 1,00,000/- each aggregating to Rs. 8cr to eligible …
- Closure of Trading Window 2d
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 23 Mar
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 23 Mar
Annual reports
Concalls
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT
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May 2023Transcript PPT
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Mar 2023Transcript PPT
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Feb 2023TranscriptNotesPPT
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Nov 2022Transcript PPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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Aug 2021TranscriptNotesPPT
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Jun 2021Transcript PPT
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Feb 2021TranscriptNotesPPT
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Dec 2020TranscriptNotesPPT
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Nov 2020TranscriptNotesPPT
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Sep 2020Transcript PPT
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Jun 2020TranscriptPPT
Products
The Co. is engaged primarily in the business of providing Micro Enterprise Loans, SME Loans, Other Structured Business, Personal Loans, Gold Loans and ancillary services related to the said business activities. [1]