Capital Trust Ltd

Capital Trust Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capital Trust Ltd

₹ 42.7 4.99%
08 Oct - close price
capital-trust.com BSE: 511505 NSE: CAPTRUST
About

Incorporated in 1985, Capital Trust
Ltd provides loans to Small and Micro
Enterprises[1]

Key Points

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

Website BSE NSE
  • Market Cap ₹ 97.9 Cr.
  • Current Price ₹ 42.7
  • High / Low ₹ 136 / 36.1
  • Stock P/E
  • Book Value ₹ 37.2
  • Dividend Yield 0.00 %
  • ROCE 12.2 %
  • ROE 1.37 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 1.15 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -10.6%
  • 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
  • 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Edit Columns
Loading peers table ...

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
24.62 22.21 19.55 19.64 17.54 19.01 19.03 22.11 24.50 24.90 24.79 20.55 12.40
15.00 14.04 19.68 77.45 14.99 16.87 16.37 17.83 19.58 19.63 19.65 15.88 19.58
Operating Profit 9.62 8.17 -0.13 -57.81 2.55 2.14 2.66 4.28 4.92 5.27 5.14 4.67 -7.18
OPM % 39.07% 36.79% -0.66% -294.35% 14.54% 11.26% 13.98% 19.36% 20.08% 21.16% 20.73% 22.73% -57.90%
0.12 0.18 0.26 0.35 0.19 0.56 0.78 0.36 0.24 0.21 0.41 0.40 0.24
Interest 6.99 5.50 4.84 4.29 1.99 1.91 2.60 3.72 4.10 5.09 5.22 4.77 4.10
Depreciation 0.13 0.11 0.11 0.11 0.10 0.10 0.11 0.11 0.08 0.08 0.11 0.19 0.10
Profit before tax 2.62 2.74 -4.82 -61.86 0.65 0.69 0.73 0.81 0.98 0.31 0.22 0.11 -11.14
Tax % 27.86% 25.18% -26.56% -25.57% 24.62% 26.09% 24.66% 25.93% 25.51% 25.81% 72.73% 27.27% -25.22%
1.89 2.04 -3.54 -46.04 0.48 0.51 0.55 0.60 0.73 0.23 0.06 0.09 -8.32
EPS in Rs 0.85 0.92 -1.59 -20.74 0.22 0.23 0.25 0.27 0.33 0.10 0.03 0.04 -3.60
Raw PDF

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
17.75 40.09 55.42 118.54 173.45 186.48 146.83 112.19 105.04 86.28 77.88 94.88 82.64
8.13 11.23 17.91 37.88 99.23 60.59 77.15 103.95 87.33 125.85 65.81 74.48 74.74
Operating Profit 9.62 28.86 37.51 80.66 74.22 125.89 69.68 8.24 17.71 -39.57 12.07 20.40 7.90
OPM % 54.20% 71.99% 67.68% 68.04% 42.79% 67.51% 47.46% 7.34% 16.86% -45.86% 15.50% 21.50% 9.56%
0.21 0.00 5.90 0.22 0.03 -36.57 0.75 0.65 0.87 0.63 1.68 1.12 1.26
Interest 6.81 14.15 12.18 25.59 61.81 76.51 61.03 38.61 32.26 21.93 10.45 19.44 19.18
Depreciation 0.07 0.11 0.21 0.39 0.44 0.93 0.89 0.58 0.50 0.46 0.42 0.46 0.48
Profit before tax 2.95 14.60 31.02 54.90 12.00 11.88 8.51 -30.30 -14.18 -61.33 2.88 1.62 -10.50
Tax % 38.31% 33.90% 34.75% 32.81% 48.08% 23.74% 93.65% -21.55% -23.62% -25.58% 25.69% 31.48%
1.82 9.65 20.25 36.89 6.23 9.06 0.53 -23.77 -10.82 -45.64 2.15 1.11 -7.94
EPS in Rs 1.78 9.46 10.18 16.62 2.81 4.08 0.24 -10.71 -4.87 -20.56 0.97 0.48 -3.43
Dividend Payout % 14.55% 0.00% 10.87% 6.65% 13.13% 9.03% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 9%
5 Years: -8%
3 Years: -3%
TTM: -2%
Compounded Profit Growth
10 Years: -19%
5 Years: 16%
3 Years: 28%
TTM: -432%
Stock Price CAGR
10 Years: -15%
5 Years: -6%
3 Years: -24%
1 Year: -65%
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
Equity Capital 7.50 7.50 14.67 16.36 16.36 16.36 16.36 16.36 16.36 16.36 16.22 16.87
Reserves 3.39 11.47 146.23 203.07 206.35 138.11 137.72 113.82 103.68 58.18 60.48 69.06
55.20 82.14 67.78 308.92 533.33 482.91 284.52 278.69 207.93 95.92 80.08 101.50
3.46 22.77 12.84 32.25 45.66 18.98 18.95 18.25 25.75 17.71 22.58 16.18
Total Liabilities 69.55 123.88 241.52 560.60 801.70 656.36 457.55 427.12 353.72 188.17 179.36 203.61
0.61 0.87 1.13 1.38 1.74 4.36 4.09 2.15 1.72 1.30 1.37 1.59
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.19 0.19 0.19 0.19
Investments 0.00 0.00 0.15 19.29 49.91 49.92 87.64 90.69 42.80 0.05 0.55 10.56
68.94 123.01 240.24 539.93 750.05 602.08 365.82 334.14 309.01 186.63 177.25 191.27
Total Assets 69.55 123.88 241.52 560.60 801.70 656.36 457.55 427.12 353.72 188.17 179.36 203.61

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
-28.18 15.70 -20.18 -273.47 -191.97 44.13 239.45 8.31 15.88 74.25 20.13 -19.35
-0.21 -0.39 -0.62 -50.40 -30.83 -0.27 -36.96 2.04 23.12 42.07 -1.01 -10.58
28.86 9.25 72.59 260.24 221.45 -50.60 -201.58 -2.97 -49.41 -113.09 -15.03 29.49
Net Cash Flow 0.47 24.55 51.79 -63.63 -1.35 -6.74 0.91 7.39 -10.40 3.24 4.08 -0.44

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 16.04 26.13 23.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 16.04 26.13 23.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 150.11 -203.67 231.04 584.33 316.24 -1.92 -107.09 -22.87 17.27 26.44 -7.12 105.33
ROCE % 20.61% 34.39% 26.20% 21.26% 11.49% 18.03% 12.92% 1.89% 4.93% -15.82% 8.16% 12.24%

Shareholding Pattern

Numbers in percentages

Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 64.86% 64.86% 64.68% 54.12%
0.00% 17.27% 17.27% 17.27% 17.27% 17.27% 17.28% 17.27% 16.62% 16.61% 16.61% 16.66%
17.27% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
14.90% 14.91% 14.91% 14.91% 14.90% 14.92% 14.89% 14.90% 17.68% 17.68% 17.87% 28.38%
0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.85% 0.85% 0.85% 0.85%
No. of Shareholders 8,3198,4778,7818,6138,8819,2689,4969,20910,86810,54210,93411,755

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Aug 2025
    Transcript
    Notes
    PPT
  • May 2025
    Transcript
    Notes
    PPT
  • Feb 2025
    Transcript
    Notes
    PPT
  • Nov 2024
    Transcript
    Notes
    PPT
  • Aug 2024
    Transcript
    Notes
    PPT
  • May 2024
    Transcript
    Notes
    PPT
  • Feb 2024
    Transcript
    Notes
    PPT
  • Nov 2023
    Transcript
    Notes
    PPT
  • Aug 2023
    Transcript
    Notes
    PPT
  • May 2023
    Transcript
    Notes
    PPT
  • Feb 2023
    Transcript
    Notes
    PPT
  • Nov 2022
    Transcript
    Notes
    PPT
  • Aug 2022
    Transcript
    Notes
    PPT
  • May 2022
    Transcript
    Notes
    PPT
  • Feb 2022
    Transcript
    Notes
    PPT
  • Nov 2021
    Transcript
    Notes
    PPT
  • Aug 2021
    Transcript
    Notes
    PPT
  • Jul 2021
    Transcript
    Notes
    PPT
  • Feb 2021
    Transcript
    Notes
    PPT
  • Nov 2020
    Transcript
    Notes
    PPT
  • Sep 2020
    Transcript
    Notes
    PPT
  • Jun 2020
    Transcript
    Notes
    PPT
  • Feb 2020
    Transcript
    Notes
    PPT
  • Dec 2019
    Transcript
    Notes
    PPT
  • Sep 2019
    Transcript
    Notes
    PPT
  • May 2019
    Transcript
    Notes
    PPT
  • Feb 2019
    Transcript
    Notes
    PPT
  • Nov 2018
    Transcript
    Notes
    PPT
  • Aug 2018
    Transcript
    Notes
    PPT
  • May 2018
    Transcript
    Notes
    PPT
  • Jan 2018
    Transcript
    Notes
    PPT
  • Nov 2017
    Transcript
    Notes
    PPT
  • Aug 2017
    Transcript
    Notes
    PPT