Capital Trust Ltd
₹ 11.7
-0.34%
12 Dec
- close price
About
Incorporated in 1985, Capital Trust
Ltd provides loans to Small and Micro
Enterprises[1]
Key Points
- Market Cap ₹ 39.7 Cr.
- Current Price ₹ 11.7
- High / Low ₹ 81.5 / 11.1
- Stock P/E
- Book Value ₹ 13.0
- Dividend Yield 0.00 %
- ROCE 12.2 %
- ROE 1.37 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.90 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -8.36% over past five years.
- Company has a low return on equity of -16.7% over last 3 years.
- Company's cost of borrowing seems high
- Promoter holding has decreased over last 3 years: -12.8%
- Working capital days have increased from 41.6 days to 105 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 18 | 40 | 55 | 119 | 173 | 186 | 147 | 112 | 105 | 86 | 78 | 95 | 66 | |
| 8 | 11 | 18 | 38 | 99 | 61 | 77 | 104 | 87 | 126 | 66 | 74 | 83 | |
| Operating Profit | 10 | 29 | 38 | 81 | 74 | 126 | 70 | 8 | 18 | -40 | 12 | 20 | -17 |
| OPM % | 54% | 72% | 68% | 68% | 43% | 68% | 47% | 7% | 17% | -46% | 16% | 22% | -26% |
| 0 | -0 | 6 | 0 | 0 | -37 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | |
| Interest | 7 | 14 | 12 | 26 | 62 | 77 | 61 | 39 | 32 | 22 | 10 | 19 | 18 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 3 | 15 | 31 | 55 | 12 | 12 | 9 | -30 | -14 | -61 | 3 | 2 | -34 |
| Tax % | 38% | 34% | 35% | 33% | 48% | 24% | 94% | -22% | -24% | -26% | 26% | 31% | |
| 2 | 10 | 20 | 37 | 6 | 9 | 1 | -24 | -11 | -46 | 2 | 1 | -26 | |
| EPS in Rs | 0.89 | 4.73 | 5.09 | 8.31 | 1.40 | 2.04 | 0.12 | -5.35 | -2.44 | -10.28 | 0.48 | 0.24 | -5.65 |
| Dividend Payout % | 15% | -0% | 11% | 7% | 13% | 9% | -0% | -0% | -0% | -0% | -0% | -0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | -8% |
| 3 Years: | -3% |
| TTM: | -27% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -19% |
| 5 Years: | 16% |
| 3 Years: | 28% |
| TTM: | -1335% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -22% |
| 5 Years: | -29% |
| 3 Years: | -41% |
| 1 Year: | -86% |
| Return on Equity | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | -15% |
| 3 Years: | -17% |
| Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 8 | 8 | 15 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 17 | 17 |
| Reserves | 3 | 11 | 146 | 203 | 206 | 138 | 138 | 114 | 104 | 58 | 60 | 69 | 43 |
| 55 | 82 | 68 | 309 | 533 | 483 | 285 | 279 | 208 | 96 | 80 | 102 | 80 | |
| 3 | 23 | 13 | 32 | 46 | 19 | 19 | 18 | 26 | 18 | 23 | 16 | 8 | |
| Total Liabilities | 70 | 124 | 242 | 561 | 802 | 656 | 458 | 427 | 354 | 188 | 179 | 204 | 148 |
| 1 | 1 | 1 | 1 | 2 | 4 | 4 | 2 | 2 | 1 | 1 | 2 | 2 | |
| CWIP | -0 | -0 | -0 | -0 | -0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | -0 |
| Investments | -0 | -0 | 0 | 19 | 50 | 50 | 88 | 91 | 43 | 0 | 1 | 11 | 3 |
| 69 | 123 | 240 | 540 | 750 | 602 | 366 | 334 | 309 | 187 | 177 | 191 | 143 | |
| Total Assets | 70 | 124 | 242 | 561 | 802 | 656 | 458 | 427 | 354 | 188 | 179 | 204 | 148 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -28 | 16 | -20 | -273 | -192 | 44 | 239 | 8 | 16 | 74 | 20 | -19 | |
| -0 | -0 | -1 | -50 | -31 | -0 | -37 | 2 | 23 | 42 | -1 | -11 | |
| 29 | 9 | 73 | 260 | 221 | -51 | -202 | -3 | -49 | -113 | -15 | 29 | |
| Net Cash Flow | 0 | 25 | 52 | -64 | -1 | -7 | 1 | 7 | -10 | 3 | 4 | -0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 16 | 26 | 24 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 16 | 26 | 24 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Working Capital Days | 150 | -204 | 231 | 584 | 316 | -2 | -107 | -23 | 17 | 26 | -7 | 105 |
| ROCE % | 21% | 34% | 26% | 21% | 11% | 18% | 13% | 2% | 5% | -16% | 8% | 12% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Investor Presentation
14 Nov - Uploading investor presentaion for Q2 FY 2026
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
14 Nov - Completed ₹238.1mn rights issue (1.33x); shifting to gold-secured lending, wrote off stressed unsecured loans; opened branches and partnerships.
- Financial Results For 30Th September, 2025 14 Nov
- Announcement under Regulation 30 (LODR)-Newspaper Publication 13 Nov
-
Board Meeting Outcome for Outcome Of The Meeting Of Board Of Director Of The Company Held On Wednesday November 12, 2025
12 Nov - Nov 12, 2025: Allotment of 17,009,702 shares at Rs.14; Rs.23.81 crore rights; some shares in abeyance.
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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Concalls
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Nov 2025TranscriptAI SummaryPPT
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Aug 2025TranscriptAI SummaryPPT
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May 2025TranscriptAI SummaryPPT
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Nov 2024TranscriptAI SummaryPPT
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Feb 2024TranscriptAI SummaryPPT
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Nov 2023TranscriptAI SummaryPPT
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Aug 2023TranscriptAI SummaryPPT
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May 2023TranscriptAI SummaryPPT
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Feb 2023TranscriptAI SummaryPPT
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Nov 2022TranscriptAI SummaryPPT
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Aug 2022TranscriptAI SummaryPPT
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May 2022TranscriptAI SummaryPPT
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Feb 2022TranscriptAI SummaryPPT
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Nov 2021TranscriptAI SummaryPPT
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Aug 2021TranscriptAI SummaryPPT
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Jul 2021TranscriptAI SummaryPPT
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Feb 2021TranscriptAI SummaryPPT
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Nov 2020TranscriptAI SummaryPPT
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Sep 2020TranscriptAI SummaryPPT
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Jun 2020TranscriptAI SummaryPPT
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Feb 2020TranscriptAI SummaryPPT
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Dec 2019TranscriptAI SummaryPPT
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Sep 2019TranscriptAI SummaryPPT
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May 2019TranscriptAI SummaryPPT
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Feb 2019TranscriptAI SummaryPPT
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Nov 2018TranscriptAI SummaryPPT
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Aug 2018TranscriptAI SummaryPPT
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May 2018TranscriptAI SummaryPPT
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Jan 2018TranscriptAI SummaryPPT
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Nov 2017TranscriptAI SummaryPPT
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Aug 2017TranscriptAI SummaryPPT
Business Overview:[1][2][3]
Company is registered as a Systematically Important Non Deposit Taking Non Banking Finance Company. It used to provide consultancy services to foreign banks and later began offering business loans to micro entrepreneurs in rural India, particularly in smaller towns. These loans are given to low-income individuals running small businesses who may not have collateral or a credit history. Currently, company's digitized rural financing model offers quick digital micro loans to MSMEs and caters to over 70,214 customers across 96 districts through 306 branches in 10 states in India