Capital Trust Ltd
₹ 13.4
1.98%
28 Apr
11:50 a.m.
About
Incorporated in 1985, Capital Trust Ltd is in the business of providing MSME Loans and
Gold loans.[1]
Key Points
- Market Cap ₹ 45.6 Cr.
- Current Price ₹ 13.4
- High / Low ₹ 69.5 / 10.8
- Stock P/E
- Book Value ₹ 17.6
- Dividend Yield 0.00 %
- ROCE 12.2 %
- ROE 1.37 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.75 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 | 53 | |
| Interest | 7 | 14 | 12 | 26 | 62 | 77 | 61 | 39 | 32 | 22 | 10 | 19 | 15 |
| 8 | 11 | 18 | 38 | 99 | 61 | 77 | 104 | 87 | 126 | 66 | 74 | 74 | |
| Financing Profit | 3 | 15 | 25 | 55 | 12 | 49 | 9 | -30 | -15 | -62 | 2 | 1 | -36 |
| Financing Margin % | 16% | 37% | 46% | 46% | 7% | 26% | 6% | -27% | -14% | -71% | 2% | 1% | -69% |
| 0 | 0 | 6 | 0 | 0 | -37 | 1 | 1 | 1 | 1 | 2 | 1 | 0 | |
| 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 | -36 |
| 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 | -29 | |
| 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 | -6.37 |
| 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: | -45% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -19% |
| 5 Years: | 16% |
| 3 Years: | 28% |
| TTM: | -1807% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -26% |
| 5 Years: | -25% |
| 3 Years: | -34% |
| 1 Year: | -77% |
| 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 |
| Borrowing | 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 |
| Free Cash Flow | -28 | 15 | -21 | -274 | -193 | 43 | 239 | 8 | 16 | 74 | 20 | -20 |
| CFO/OP | -293% | 54% | -25% | -328% | -233% | 40% | 345% | 104% | 108% | -188% | 167% | -93% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 18% | 65% | 23% | 19% | 3% | 20% | 0% | -17% | -9% | -47% | 3% | 1% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Number of Branches Number |
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| Assets Under Management (AUM) INR Crores |
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| AUM per Branch INR Crores |
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| Off-Book Portfolio INR Crores |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
4 Apr - Capital Trust enters gold loans, opens fourth branch and second Gurgaon branch on 04 April 2026.
- Closure of Trading Window 30 Mar
- Disclosures under Reg. 10(6) of SEBI (SAST) Regulations, 2011 16 Mar
- Announcement under Regulation 30 (LODR)-Investor Presentation 16 Feb
-
Update On Opening Of New Gold Loan Branch
14 Feb - Opened new Gurugram gold loan branch; now three branches; commenced co-lending; more Delhi-NCR branches planned.
Annual reports
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Financial Year 2025
from bse
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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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Feb 2026TranscriptAI SummaryPPT
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Nov 2025TranscriptAI SummaryPPT
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May 2025TranscriptAI SummaryPPT
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Feb 2025TranscriptAI SummaryPPT
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Nov 2024TranscriptAI SummaryPPT
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Aug 2024TranscriptAI SummaryPPT
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May 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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Nov 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]
CTL is registered as a non-systematically non-deposit taking non-banking financial company which caters to 47,355 customers through 287 branches in 10 states in the country. The company's business is transitioning from exclusively unsecured MSME lending to asset-backed secured gold loans.