Capital Trust Ltd

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

Capital Trust Ltd

₹ 11.6 0.00%
13 Mar - 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 - BE
  • Market Cap ₹ 37.9 Cr.
  • Current Price ₹ 11.6
  • High / Low ₹ 69.5 / 11.1
  • Stock P/E 5.78
  • Book Value ₹ 28.0
  • Dividend Yield 0.00 %
  • ROCE 5.06 %
  • ROE -8.18 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has reduced debt.
  • Stock is trading at 0.41 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.

Peer comparison

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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
51.74 40.84 29.26 27.17 26.94 30.94 30.84 22.72 26.21 28.36 27.70 24.62 22.21
Interest 15.56 13.56 12.47 8.70 8.51 8.20 7.71 8.06 7.49 7.08 9.19 6.99 5.50
15.99 16.67 24.02 16.51 17.30 22.83 53.62 33.54 17.52 20.66 16.10 15.00 14.04
Financing Profit 20.19 10.61 -7.23 1.96 1.13 -0.09 -30.49 -18.88 1.20 0.62 2.41 2.63 2.67
Financing Margin % 39.02% 25.98% -24.71% 7.21% 4.19% -0.29% -98.87% -83.10% 4.58% 2.19% 8.70% 10.68% 12.02%
0.37 0.69 2.24 1.07 0.08 0.24 -2.69 0.05 0.06 0.80 0.07 0.12 0.18
Depreciation 0.38 0.18 0.17 0.19 0.12 0.13 0.14 0.13 0.07 0.14 0.15 0.13 0.11
Profit before tax 20.18 11.12 -5.16 2.84 1.09 0.02 -33.32 -18.96 1.19 1.28 2.33 2.62 2.74
Tax % 31.42% 26.08% 22.29% 25.35% 19.27% 2,150.00% -21.34% -27.22% 26.05% 24.22% 30.04% 25.95% 26.28%
13.84 8.22 -6.31 2.13 0.87 -0.42 -26.21 -13.80 0.87 0.96 1.63 1.95 2.02
EPS in Rs 3.12 1.85 -1.42 0.48 0.20 -0.09 -5.90 -3.11 0.20 0.22 0.37 0.44 0.45
Gross NPA % 7.50% 8.00%
Net NPA % 4.20% 3.60%
Raw PDF

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: -33%
3 Years: -35%
1 Year: -82%
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

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

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Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Number of Branches
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Number of States
Number
Number of Employees
Number
Active Customers
Number
Assets Under Management (AUM)
INR Crores
AUM per Branch
INR Crores
Off-Book Portfolio
INR Crores

Shareholding Pattern

Numbers in percentages

2 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
66.95% 66.95% 66.95% 66.95% 66.95% 66.95% 64.86% 64.86% 64.68% 54.12% 54.12% 54.13%
17.27% 17.27% 17.27% 17.27% 17.28% 17.27% 16.62% 16.61% 16.61% 16.66% 16.61% 8.30%
14.91% 14.91% 14.90% 14.92% 14.89% 14.90% 17.68% 17.68% 17.87% 28.38% 28.41% 37.14%
0.88% 0.88% 0.88% 0.88% 0.88% 0.88% 0.85% 0.85% 0.85% 0.85% 0.85% 0.42%
No. of Shareholders 8,7818,6138,8819,2689,4969,20910,86810,54210,93411,75511,97013,148

* 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.

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