Capital Trust Ltd
₹ 12.2
3.48%
07 Apr
2:13 p.m.
About
Incorporated in 1985, Capital Trust Ltd is in the business of providing MSME Loans and
Gold loans.[1]
Key Points
- Market Cap ₹ 41.5 Cr.
- Current Price ₹ 12.2
- High / Low ₹ 69.5 / 10.8
- Stock P/E 6.32
- Book Value ₹ 28.0
- Dividend Yield 0.00 %
- ROCE 5.06 %
- ROE -8.18 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Stock is trading at 0.42 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -3.13% over past five years.
- Company has a low return on equity of -7.11% over last 3 years.
- Company's cost of borrowing seems high
- Promoter holding has decreased over last 3 years: -12.8%
* 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2006 | Mar 2007 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| 12 | 14 | 55 | 123 | 182 | 192 | 154 | 114 | 105 | 103 | |
| Interest | 0 | 1 | 12 | 29 | 66 | 76 | 59 | 34 | 32 | 29 |
| 12 | 13 | 18 | 39 | 108 | 66 | 81 | 110 | 87 | 66 | |
| Financing Profit | -0 | -0 | 25 | 56 | 8 | 50 | 14 | -29 | -15 | 8 |
| Financing Margin % | -2% | -2% | 46% | 45% | 4% | 26% | 9% | -26% | -14% | 8% |
| 1 | 0 | 6 | 2 | 0 | -37 | 1 | 1 | 1 | 1 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 1 |
| Profit before tax | 0 | 0 | 31 | 57 | 8 | 13 | 14 | -29 | -14 | 9 |
| Tax % | -18% | 11% | 35% | 33% | 82% | 29% | 69% | -20% | -27% | |
| 0 | 0 | 20 | 38 | 1 | 9 | 4 | -24 | -10 | 7 | |
| EPS in Rs | 0.20 | 0.04 | 5.09 | 8.53 | 0.31 | 2.06 | 0.96 | -5.32 | -2.33 | 1.48 |
| Dividend Payout % | 0% | 0% | 11% | 6% | 6% | 9% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -3% |
| 3 Years: | -18% |
| TTM: | -7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 117% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -25% |
| 5 Years: | -27% |
| 3 Years: | -34% |
| 1 Year: | -78% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 1% |
| 3 Years: | -7% |
| Last Year: | -8% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2006 | Mar 2007 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Sep 2022 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 7 | 7 | 15 | 16 | 16 | 16 | 16 | 16 | 16 | 16 |
| Reserves | 2 | 2 | 146 | 204 | 202 | 135 | 138 | 114 | 104 | 108 |
| Borrowing | 4 | 3 | 68 | 360 | 539 | 483 | 274 | 257 | 208 | 129 |
| 2 | 2 | 13 | 34 | 49 | 22 | 24 | 19 | 26 | 26 | |
| Total Liabilities | 14 | 15 | 242 | 614 | 807 | 656 | 452 | 407 | 354 | 280 |
| 1 | 1 | 1 | 1 | 2 | 4 | 4 | 2 | 2 | 2 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 3 | 4 | 0 | 0 | 0 | 0 | 38 | 41 | 43 | 0 |
| 10 | 10 | 240 | 613 | 805 | 651 | 410 | 364 | 309 | 278 | |
| Total Assets | 14 | 15 | 242 | 614 | 807 | 656 | 452 | 407 | 354 | 280 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2006 | Mar 2007 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
|---|---|---|---|---|---|---|---|---|---|
| -1 | 0 | -20 | -334 | -185 | 74 | 252 | 18 | 16 | |
| -0 | -0 | -1 | -31 | -1 | -0 | -37 | -0 | -0 | |
| 2 | -0 | 73 | 311 | 176 | -56 | -213 | -14 | -49 | |
| Net Cash Flow | 1 | -0 | 52 | -54 | -10 | 18 | 2 | 4 | -34 |
| Free Cash Flow | -1 | 0 | -21 | -335 | -186 | 73 | 251 | 18 | 16 |
| CFO/OP | -355% | 75% | -25% | -384% | -225% | 64% | 348% | 474% | 108% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2006 | Mar 2007 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 5% | 1% | 13% | 20% | 1% | 19% | 3% | -17% | -8% |
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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| Number of States Number |
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| Number of Employees Number |
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| Active Customers 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
2d - 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
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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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Nov 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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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]
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.