Capital Trust Ltd

Capital Trust Ltd

₹ 114 -2.38%
18 Jun - close price
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

  • Market Cap 186 Cr.
  • Current Price 114
  • High / Low 148 / 67.2
  • Stock P/E 86.2
  • Book Value 46.9
  • Dividend Yield 0.00 %
  • ROCE 8.16 %
  • ROE 2.86 %
  • Face Value 10.0

Pros

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -16.0% over past five years.
  • Company has a low return on equity of -18.2% 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
27.47 22.00 25.55 28.36 27.70 24.62 22.21 19.55 19.64 17.54 19.01 19.03 22.11
49.92 32.98 16.99 20.66 16.10 15.00 14.04 19.68 77.45 14.99 16.87 16.37 17.83
Operating Profit -22.45 -10.98 8.56 7.70 11.60 9.62 8.17 -0.13 -57.81 2.55 2.14 2.66 4.28
OPM % -81.73% -49.91% 33.50% 27.15% 41.88% 39.07% 36.79% -0.66% -294.35% 14.54% 11.26% 13.98% 19.36%
0.86 0.80 0.81 0.80 0.07 0.12 0.18 0.26 0.35 0.19 0.56 0.78 0.36
Interest 8.85 9.27 8.80 7.08 9.19 6.99 5.50 4.84 4.29 1.99 1.91 2.60 3.72
Depreciation 0.14 0.13 0.07 0.14 0.15 0.13 0.11 0.11 0.11 0.10 0.10 0.11 0.11
Profit before tax -30.58 -19.58 0.50 1.28 2.33 2.62 2.74 -4.82 -61.86 0.65 0.69 0.73 0.81
Tax % 21.22% 27.22% 30.00% 27.34% 29.61% 27.86% 25.18% 26.56% 25.57% 24.62% 26.09% 24.66% 25.93%
-24.09 -14.26 0.35 0.93 1.65 1.89 2.04 -3.54 -46.04 0.48 0.51 0.55 0.60
EPS in Rs -14.72 -8.72 0.21 0.57 1.01 1.16 1.25 -2.16 -28.14 0.29 0.31 0.34 0.37
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
9.03 17.75 40.09 55.42 118.54 173.45 186.48 146.83 112.19 105.04 86.28 77.88
4.23 8.13 11.23 17.91 37.88 99.23 60.59 77.15 103.95 87.33 125.85 65.81
Operating Profit 4.80 9.62 28.86 37.51 80.66 74.22 125.89 69.68 8.24 17.71 -39.57 12.07
OPM % 53.16% 54.20% 71.99% 67.68% 68.04% 42.79% 67.51% 47.46% 7.34% 16.86% -45.86% 15.50%
0.06 0.21 0.00 5.90 0.22 0.03 -36.57 0.75 0.65 0.87 0.63 1.68
Interest 3.25 6.81 14.15 12.18 25.59 61.81 76.51 61.03 38.61 32.26 21.93 10.45
Depreciation 0.07 0.07 0.11 0.21 0.39 0.44 0.93 0.89 0.58 0.50 0.46 0.42
Profit before tax 1.54 2.95 14.60 31.02 54.90 12.00 11.88 8.51 -30.30 -14.18 -61.33 2.88
Tax % 0.00% 38.31% 33.90% 34.75% 32.81% 48.08% 23.74% 93.65% 21.55% 23.62% 25.58% 25.69%
1.54 1.82 9.65 20.25 36.89 6.23 9.06 0.53 -23.77 -10.82 -45.64 2.15
EPS in Rs 2.05 2.43 12.87 13.81 22.55 3.81 5.54 0.32 -14.53 -6.61 -27.89 1.31
Dividend Payout % 0.00% 14.55% 0.00% 10.87% 6.65% 13.13% 9.03% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 16%
5 Years: -16%
3 Years: -11%
TTM: -10%
Compounded Profit Growth
10 Years: 2%
5 Years: -43%
3 Years: 28%
TTM: 105%
Stock Price CAGR
10 Years: 17%
5 Years: -4%
3 Years: 9%
1 Year: 57%
Return on Equity
10 Years: 3%
5 Years: -13%
3 Years: -18%
Last Year: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 7.50 7.50 7.50 14.67 16.36 16.36 16.36 16.36 16.36 16.36 16.36 16.36
Reserves 1.88 3.39 11.47 136.26 203.07 206.35 138.11 137.72 113.82 103.68 58.18 60.34
Preference Capital 0.00 3.00 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19.22 52.20 79.14 67.78 308.92 533.33 482.91 284.52 278.69 207.93 95.92 80.08
1.29 6.46 25.77 22.81 32.25 45.66 18.98 18.95 18.25 25.75 17.71 22.58
Total Liabilities 29.89 69.55 123.88 241.52 560.60 801.70 656.36 457.55 427.12 353.72 188.17 179.36
0.47 0.61 0.87 1.13 1.38 1.74 4.36 4.09 2.15 1.72 1.30 1.37
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.19 0.19 0.19
Investments 0.00 0.00 0.00 0.15 19.29 49.91 49.92 87.64 90.69 42.80 0.05 0.55
29.42 68.94 123.01 240.24 539.93 750.05 602.08 365.82 334.14 309.01 186.63 177.25
Total Assets 29.89 69.55 123.88 241.52 560.60 801.70 656.36 457.55 427.12 353.72 188.17 179.36

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-9.36 -28.18 15.70 -20.18 -273.47 -191.97 44.13 239.45 8.31 15.88 74.25 20.13
0.01 -0.21 -0.39 -0.62 -50.40 -30.83 -0.27 -36.96 2.04 23.12 42.07 -1.01
9.56 28.86 9.25 72.59 260.24 221.45 -50.60 -201.58 -2.97 -49.41 -113.09 -15.03
Net Cash Flow 0.21 0.47 24.55 51.79 -63.63 -1.35 -6.74 0.91 7.39 -10.40 3.24 4.08

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 21.42 16.04 26.13 23.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 21.42 16.04 26.13 23.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 1,066.30 1,218.38 445.03 307.37 599.51 326.72 5.83 -7.48 -22.87 17.27 26.44 -7.12
ROCE % 22.36% 20.61% 34.39% 27.02% 21.55% 11.49% 18.03% 12.92% 1.89% 4.93% -15.82% 8.16%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 66.95%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 17.27% 17.27% 17.27% 17.27% 17.27% 17.28%
17.27% 17.27% 17.27% 17.27% 17.27% 17.27% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
14.91% 14.91% 14.91% 14.91% 14.91% 14.90% 14.91% 14.91% 14.91% 14.90% 14.92% 14.89%
0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.88%
No. of Shareholders 7,3697,9317,9048,1518,4278,3198,4778,7818,6138,8819,2689,496

* 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.

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