Centrum Capital Ltd

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

₹ 17.8 -1.82%
23 Oct - close price
centrum.co.in BSE: 501150 NSE: CENTRUM
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 ₹ 889 Cr.
  • Current Price ₹ 17.8
  • High / Low ₹ 35.9 / 17.1
  • 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.
  • Promoter holding has increased by 1.42% over last quarter.

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -18.8% over last 3 years.
  • Promoters have pledged 36.3% of their holding.
  • 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.

Peer comparison

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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
Raw PDF
Upcoming result date: 13 November 2026

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: -5%
5 Years: -15%
3 Years: -7%
1 Year: -47%
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/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit 32% -312% 14% -593% -20% -787% -311% 1,186% 729% 340% -610% -451%

Ratios

Standalone / 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 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Centrum Wealth Client Assets (AUA)
INR Crore

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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

Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026Oct 2026
38.49% 38.49% 38.49% 38.49% 38.49% 38.49% 34.84% 34.84% 39.44% 39.44% 39.44% 40.86%
0.67% 0.36% 0.29% 0.36% 0.43% 0.70% 1.55% 1.64% 1.22% 1.29% 1.24% 1.21%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.86% 3.86% 3.64% 1.93% 1.64% 1.43%
57.12% 57.56% 57.80% 57.89% 57.96% 57.74% 56.99% 56.96% 53.17% 54.84% 55.24% 54.11%
3.73% 3.60% 3.41% 3.26% 3.11% 3.06% 2.75% 2.71% 2.53% 2.50% 2.45% 2.40%
No. of Shareholders 43,63341,53039,27638,29238,10638,29737,04635,32534,99135,23335,49535,550

* 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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