Centrum Capital Ltd

₹ 23.3 -0.13%

25 Aug - close price

About

Centrum Capital is a diversified financial-services group operating across banking through Unity Small Finance Bank, investment banking, institutional and retail broking, wealth management, private-credit fund management, and insurance distribution. The group has transitioned from an advisory-led model into banking and other scalable financial platforms, while exiting affordable housing finance in March 2026. ^[1] ^[2]

Key Points

Business Transition
Centrum began as an advisory and fee-based financial-services group and subsequently expanded into lending, wealth management, broking, alternative assets and banking. Its SME and microfinance businesses were transferred to Unity Small Finance Bank in November 2021. ^[1]
Centrum Housing Finance was sold in March 2026 for cash proceeds of nearly ₹400 crore. The proceeds were primarily earmarked for debt reduction and strengthening the balance sheet, completing the group’s exit from affordable housing finance. ^[2]

Website BSE NSE

Market Cap ₹ 1,132 Cr.
Current Price ₹ 23.3
High / Low ₹ 40.0 / 19.7
Stock P/E
Book Value ₹ 14.0
Dividend Yield 0.00 %
ROCE 4.35 %
ROE -25.9 %
Face Value ₹ 1.00

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Pros

Company has reduced debt.
Company is expected to give good quarter
Debtor days have improved from 48.7 to 26.1 days.

Cons

Company has low interest coverage ratio.
Company has a low return on equity of -18.8% over last 3 years.
Earnings include an other income of Rs.285 Cr.
Company's cost of borrowing seems high
Working capital days have increased from -23.7 days to 1,457 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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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	6.13	15.27	13.56	22.25	8.56	14.12	17.92	17.65	4.30	18.20	10.71	10.09	19.06
	9.90	11.35	14.74	15.46	7.96	12.77	13.40	24.17	10.98	19.44	8.87	17.39	18.72
Operating Profit	-3.77	3.92	-1.18	6.79	0.60	1.35	4.52	-6.52	-6.68	-1.24	1.84	-7.30	0.34
OPM %	-61.50%	25.67%	-8.70%	30.52%	7.01%	9.56%	25.22%	-36.94%	-155.35%	-6.81%	17.18%	-72.35%	1.78%
	10.03	9.76	0.55	9.76	9.58	13.17	12.75	12.01	12.30	15.51	16.17	230.75	22.35
Interest	23.68	22.36	24.70	24.43	25.03	28.91	29.48	28.59	30.28	28.74	27.01	32.44	17.89
Depreciation	0.42	0.42	0.42	0.42	0.51	0.64	0.59	0.61	0.62	0.62	0.65	0.57	0.61
Profit before tax	-17.84	-9.10	-25.75	-8.30	-15.36	-15.03	-12.80	-23.71	-25.28	-15.09	-9.65	190.44	4.19
Tax %	-7.34%	-10.11%	-19.03%	-30.24%	-9.90%	14.90%	19.61%	-5.90%	29.43%	6.89%	32.33%	14.85%	13.37%
	-16.52	-8.18	-20.84	-5.79	-13.83	-17.27	-15.31	-22.31	-32.71	-16.14	-12.77	162.17	3.64
EPS in Rs	-0.40	-0.20	-0.50	-0.14	-0.33	-0.42	-0.37	-0.54	-0.79	-0.35	-0.28	3.33	0.07
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2015	Mar 2016 9m	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	74	51	39	42	556	60	55	57	44	82	91	94	58
	34	29	88	46	63	44	30	42	63	51	60	57	64
Operating Profit	39	22	-49	-4	493	16	25	15	-19	31	30	37	-6
OPM %	54%	43%	-126%	-8%	89%	27%	46%	27%	-42%	37%	34%	40%	-11%
	0	7	130	104	-191	35	1	6	14	5	17	224	285
Interest	23	18	38	34	50	24	29	55	71	95	112	118	106
Depreciation	4	2	3	1	6	3	2	2	2	2	2	2	2
Profit before tax	14	8	41	66	245	24	-5	-36	-78	-61	-67	140	170
Tax %	30%	28%	9%	3%	25%	-22%	81%	-5%	-7%	-16%	3%	28%
	10	6	38	63	183	29	-9	-34	-72	-51	-69	101	137
EPS in Rs	0.23	0.15	0.90	1.52	4.40	0.70	-0.22	-0.82	-1.74	-1.23	-1.65	2.07	2.77
Dividend Payout %	0%	0%	6%	3%	1%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	6%
5 Years:	11%
3 Years:	28%
TTM:	8%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	-43%
TTM:	51%

Stock Price CAGR
10 Years:	0%
5 Years:	-8%
3 Years:	-1%
1 Year:	-39%

Return on Equity
10 Years:	-10%
5 Years:	-15%
3 Years:	-19%
Last Year:	-26%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	42	42	42	42	42	42	42	42	42	42	42	49
Reserves	218	222	259	355	515	502	494	464	400	352	287	635
	184	172	168	390	193	194	257	303	386	319	785	626
	24	113	71	67	332	76	123	293	387	460	196	50
Total Liabilities	468	549	540	853	1,081	814	915	1,101	1,214	1,173	1,310	1,359
	7	6	5	7	15	10	7	5	4	2	9	6
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	261	266	262	639	1,003	618	629	961	937	925	902	721
	200	277	272	207	63	186	279	135	273	246	400	631
Total Assets	468	549	540	853	1,081	814	915	1,101	1,214	1,173	1,310	1,359

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	8	-71	-9	15	-141	-141	-77	180	-135	101	-186	-174
	11	12	99	-311	369	151	-4	-260	6	-13	101	449
	-18	60	-42	263	-263	-11	89	90	114	-70	70	-135
Net Cash Flow	0	1	48	-34	-36	-1	7	10	-15	17	-15	140
Free Cash Flow	7	-73	-11	11	-144	-139	-77	180	-136	101	-187	-174
CFO/OP	32%	-312%	14%	-593%	-20%	-787%	-311%	1,186%	729%	340%	-610%	-451%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	299	575	363	439	1	43	23	19	18	27	93	26
Inventory Days
Days Payable
Cash Conversion Cycle	299	575	363	439	1	43	23	19	18	27	93	26
Working Capital Days	-126	722	-327	-1,351	-240	-13	-548	-1,774	-3,114	-1,976	447	1,457
ROCE %	8%	5%	17%	-0%	-3%	-2%	3%	2%	-1%	6%	5%	4%

Insights

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Centrum Housing Finance AUM
INR Crore

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

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Centrum Wealth Client Assets (AUA)
INR Crore

Centrum Housing Finance Branches
count

Modulus Alternatives Total Invested Capital
INR Crore

Unity SFB Branches
count

Unity SFB Net Advances
INR Crore

Unity SFB Total Deposits
INR Crore

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	38.49%	34.84%	34.84%	39.44%	39.44%
	0.82%	0.82%	0.67%	0.36%	0.29%	0.36%	0.43%	0.70%	1.55%	1.64%	1.22%	1.29%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.86%	3.86%	3.64%	1.93%
	56.30%	56.85%	57.12%	57.56%	57.80%	57.89%	57.96%	57.74%	56.99%	56.96%	53.16%	54.84%
	4.38%	3.85%	3.73%	3.60%	3.41%	3.26%	3.11%	3.06%	2.75%	2.71%	2.53%	2.50%
No. of Shareholders	40,620	41,655	43,633	41,530	39,276	38,292	38,106	38,297	37,046	35,325	34,991	35,233

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	36.95%	37.08%	37.99%	38.13%	38.16%	38.16%	38.44%	38.49%	38.49%	39.44%	39.44%
	0.31%	0.99%	0.55%	0.43%	0.43%	0.68%	0.88%	0.67%	0.43%	1.22%	1.29%
	0.07%	0.44%	0.17%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.64%	1.93%
	56.76%	58.32%	57.12%	56.77%	56.87%	56.61%	56.30%	57.12%	57.96%	53.16%	54.84%
	5.91%	3.17%	4.17%	4.67%	4.55%	4.55%	4.38%	3.73%	3.11%	2.53%	2.50%
No. of Shareholders	4,717	22,702	21,007	18,561	21,400	45,462	41,793	43,633	38,106	34,991	35,233

* 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

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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