Centrum Capital Ltd

₹ 20.6 -0.67%

12 Mar 11:00 a.m.

About

Centrum Capital Limited is a SEBI Registered Category-I Merchant Banker and Financial services co. The Co is engaged in Investment Banking, Lending, Wealth management services, Broking services, Trading of bonds, and Insurance. It operates out of 142 cities PAN India and also has an international presence in Singapore.^[1]

Key Points

Service Offerings
A) Institutional Business: It consists mainly of Investment Banking, Trading in Bonds, Institutional Broking Activity & Investment Advisory Services thereby earning transaction-based fees.
B) Wealth Management: It comprises Portfolio Management and Wealth Management and Retail Broking activities.
C) Lending: SME, MSME, Microfinance loans, and Affordable Housing loans
D) Alternative Investment Management: Offers funds across Private debt, Venture Capital as well as Real Estate Management & Advisory.
E) Insurance: The company provides Life, General & Health Insurance services.
F) Broking Services: Caters to FIIs, Pension Funds, Indian Mutual Funds, Domestic Institutions, and HNIs with coverage on niche midcap companies. ^[1] ^[2]

Website BSE NSE

Market Cap ₹ 949 Cr.
Current Price ₹ 20.6
High / Low ₹ 41.9 / 20.5
Stock P/E
Book Value ₹ 10.3
Dividend Yield 0.00 %
ROCE 5.53 %
ROE -19.0 %
Face Value ₹ 1.00

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Pros

Cons

Company has low interest coverage ratio.
Promoter holding is low: 34.8%
Company has a low return on equity of -14.6% over last 3 years.
Contingent liabilities of Rs.851 Cr.
Promoters have pledged 47.2% of their holding.
Earnings include an other income of Rs.56.0 Cr.
Debtor days have increased from 46.2 to 93.1 days.
Company's cost of borrowing seems high
Promoter holding has decreased over last 3 years: -3.39%

* 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

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Part of BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	6	13	6	15	14	22	9	14	18	18	4	18	11
	17	14	10	11	15	15	8	13	13	24	11	19	9
Operating Profit	-10	-2	-4	4	-1	7	1	1	5	-7	-7	-1	2
OPM %	-169%	-14%	-62%	26%	-9%	31%	7%	10%	25%	-37%	-155%	-7%	17%
	8	10	10	10	1	10	10	13	13	12	12	16	16
Interest	24	21	24	22	25	24	25	29	29	29	30	29	27
Depreciation	0	0	0	0	0	0	1	1	1	1	1	1	1
Profit before tax	-27	-14	-18	-9	-26	-8	-15	-15	-13	-24	-25	-15	-10
Tax %	-9%	-15%	-7%	-10%	-19%	-30%	-10%	15%	20%	-6%	29%	7%	32%
	-24	-12	-17	-8	-21	-6	-14	-17	-15	-22	-33	-16	-13
EPS in Rs	-0.58	-0.28	-0.40	-0.20	-0.50	-0.14	-0.33	-0.42	-0.37	-0.54	-0.79	-0.35	-0.28
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2014	Jun 2015	Mar 2016 9m	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	61	74	51	39	42	556	60	55	57	44	82	91	51
	33	34	29	88	46	63	44	30	42	63	51	58	63
Operating Profit	29	39	22	-49	-4	493	16	25	15	-19	31	33	-13
OPM %	47%	54%	43%	-126%	-8%	89%	27%	46%	27%	-42%	37%	36%	-25%
	2	0	7	130	104	-191	35	1	6	14	5	15	56
Interest	17	23	18	38	34	50	24	29	55	71	95	112	115
Depreciation	4	4	2	3	1	6	3	2	2	2	2	2	2
Profit before tax	10	14	8	41	66	245	24	-5	-36	-78	-61	-67	-74
Tax %	-15%	30%	28%	9%	3%	25%	-22%	81%	-5%	-7%	-16%	3%
	11	10	6	38	63	183	29	-9	-34	-72	-51	-69	-84
EPS in Rs	0.27	0.23	0.15	0.90	1.52	4.40	0.70	-0.22	-0.82	-1.74	-1.23	-1.65	-1.96
Dividend Payout %	0%	0%	0%	6%	3%	1%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	4%
5 Years:	9%
3 Years:	17%
TTM:	-19%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	-59%

Stock Price CAGR
10 Years:	4%
5 Years:	-6%
3 Years:	0%
1 Year:	-11%

Return on Equity
10 Years:	-8%
5 Years:	-10%
3 Years:	-15%
Last Year:	-19%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2014	Jun 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	42	42	42	42	42	42	42	42	42	42	42	42	46
Reserves	211	218	222	259	355	515	502	494	464	400	352	287	429
	181	184	172	168	390	193	194	257	303	386	319	588	589
	24	24	113	71	67	332	76	123	293	387	460	393	271
Total Liabilities	458	468	549	540	853	1,081	814	915	1,101	1,214	1,173	1,310	1,335
	11	7	6	5	7	15	10	7	5	4	2	9	8
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	279	261	266	262	639	1,003	618	629	961	937	925	899	876
	167	200	277	272	207	63	186	279	135	273	246	403	451
Total Assets	458	468	549	540	853	1,081	814	915	1,101	1,214	1,173	1,310	1,335

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2014	Jun 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	4	8	-71	-9	15	-141	-141	-77	180	-135	101	-186
	-53	11	12	99	-311	369	151	-4	-260	6	-13	101
	49	-18	60	-42	263	-263	-11	89	90	114	-70	70
Net Cash Flow	-0	0	1	48	-34	-36	-1	7	10	-15	17	-15

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2014	Jun 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	273	299	575	363	439	1	43	23	19	18	27	93
Inventory Days
Days Payable
Cash Conversion Cycle	273	299	575	363	439	1	43	23	19	18	27	93
Working Capital Days	-25	-126	722	-327	-1,351	-240	-13	-548	-1,774	-3,114	-1,976	-1,460
ROCE %	6%	8%	5%	17%	-0%	-3%	-2%	3%	2%	-1%	6%	6%

Insights

In beta

Jun 2015

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Housing Finance Assets Under Management (AUM)
₹ Crore

	x.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
xxx	xx	xx	xxx		xxx	xxx	xxx	xxx	xxx
	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
	x	x	xx	xx			xx	xxx	xx
		xxx.xx	xxx.xx	xxx.xx	xxx.xx
						x,xxx	x,xxx	x,xxx	xx,xxx
							xxx	xxx	xxx
							x,xxx	x,xxx	xx,xxx

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Total Group Branches & Offices
Number

Wealth Management Assets Under Advisory (AUA)
₹ Crore

Housing Finance Branch Network
Number

Microfinance Assets Under Management
₹ Crore

Unity Small Finance Bank Net Advances
₹ Crore

Unity Small Finance Bank Branches/Touchpoints
Number

Unity Small Finance Bank Deposits
₹ Crore

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	38.44%	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	34.84%	34.84%
	0.88%	0.70%	0.82%	0.82%	0.67%	0.36%	0.29%	0.36%	0.43%	0.70%	1.55%	1.64%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.86%	3.86%
	56.30%	56.43%	56.30%	56.85%	57.12%	57.56%	57.80%	57.89%	57.96%	57.74%	56.99%	56.96%
	4.38%	4.38%	4.38%	3.85%	3.73%	3.60%	3.41%	3.26%	3.11%	3.06%	2.75%	2.71%
No. of Shareholders	41,793	41,110	40,620	41,655	43,633	41,530	39,276	38,292	38,106	38,297	37,046	35,325

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	36.95%	37.08%	37.99%	38.13%	38.16%	38.16%	38.44%	38.49%	38.49%	34.84%
	0.31%	0.99%	0.55%	0.43%	0.43%	0.68%	0.88%	0.67%	0.43%	1.64%
	0.07%	0.44%	0.17%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.86%
	56.76%	58.32%	57.12%	56.77%	56.87%	56.61%	56.30%	57.12%	57.96%	56.96%
	5.91%	3.17%	4.17%	4.67%	4.55%	4.55%	4.38%	3.73%	3.11%	2.71%
No. of Shareholders	4,717	22,702	21,007	18,561	21,400	45,462	41,793	43,633	38,106	35,325

* 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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Centrum Capital Ltd

Centrum Capital Ltd

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Balance Sheet

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