Capital India Finance Ltd

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

Capital India Finance Ltd

₹ 30.6 -1.70%
27 Feb - close price
capitalindia.com BSE: 530879 NSE: CIFL
About

Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]

Key Points

Business Overview:[1]
CIFL is an integrated financial services platform offering customized finance solutions. It provides loans against property to SME/MSME segments and offers corporate/structured finance loans. The company now focuses on the SME business class, expanding from its earlier focus on commercial real estate.

Website BSE NSE
  • Market Cap ₹ 1,197 Cr.
  • Current Price ₹ 30.6
  • High / Low ₹ 44.5 / 29.0
  • Stock P/E
  • Book Value ₹ 16.9
  • Dividend Yield 0.07 %
  • ROCE 6.83 %
  • ROE 1.98 %
  • Face Value ₹ 2.00
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Pros

  • Company's median sales growth is 31.3% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 11.7% over past five years.
  • Company has a low return on equity of 2.64% over last 3 years.
  • Earnings include an other income of Rs.99.9 Cr.
  • Dividend payout has been low at 5.21% of profits over last 3 years

* 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)

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
41.69 40.09 49.82 55.94 50.17 45.60 46.04 47.54 52.31 42.78 45.47 48.01 62.50
Interest 16.10 16.11 18.50 18.54 17.58 16.92 17.03 16.46 18.57 18.62 19.54 19.47 21.97
18.26 17.96 20.96 27.77 27.03 20.23 23.76 24.78 27.72 20.74 23.84 80.52 40.50
Financing Profit 7.33 6.02 10.36 9.63 5.56 8.45 5.25 6.30 6.02 3.42 2.09 -51.98 0.03
Financing Margin % 17.58% 15.02% 20.79% 17.21% 11.08% 18.53% 11.40% 13.25% 11.51% 7.99% 4.60% -108.27% 0.05%
0.87 0.56 0.19 0.72 0.74 0.89 0.37 0.35 0.34 0.17 0.34 98.33 1.02
Depreciation 2.69 2.57 2.45 2.44 2.23 1.97 2.24 2.28 2.50 2.31 2.31 2.28 2.25
Profit before tax 5.51 4.01 8.10 7.91 4.07 7.37 3.38 4.37 3.86 1.28 0.12 44.07 -1.20
Tax % 17.97% 25.69% 24.69% 29.58% 25.55% 26.59% -33.73% 26.54% 24.09% 10.94% 8.33% 14.48% -65.00%
4.51 2.98 6.09 5.57 3.03 5.41 4.51 3.21 2.92 1.13 0.11 37.70 -0.42
EPS in Rs 0.12 0.08 0.16 0.14 0.08 0.14 0.12 0.08 0.08 0.03 0.00 0.97 -0.01
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
2 4 8 9 26 56 105 93 123 162 192 183 199
Interest 1 4 7 8 10 9 13 19 39 63 72 71 80
0 0 0 0 10 24 43 36 55 70 87 90 166
Financing Profit 0 0 0 0 5 23 49 39 28 29 34 22 -46
Financing Margin % 4% 3% 2% 5% 20% 40% 47% 41% 23% 18% 18% 12% -23%
0 0 0 0 0 0 0 -0 -2 2 2 1 100
Depreciation 0 0 0 0 0 7 8 9 12 10 9 9 9
Profit before tax 0 0 0 0 5 16 41 29 15 20 27 13 44
Tax % 14% 23% 40% 47% 37% 30% 26% 30% 22% 25% 27% 9%
0 0 0 0 3 11 30 20 12 15 20 12 39
EPS in Rs 0.02 0.03 0.03 0.08 0.94 0.29 0.78 0.53 0.30 0.39 0.52 0.30 0.99
Dividend Payout % 0% 0% 0% 0% 12% 28% 3% 4% 7% 5% 4% 7%
Compounded Sales Growth
10 Years: 45%
5 Years: 12%
3 Years: 14%
TTM: 4%
Compounded Profit Growth
10 Years: 60%
5 Years: -17%
3 Years: -2%
TTM: -430%
Stock Price CAGR
10 Years: 28%
5 Years: 0%
3 Years: 23%
1 Year: -6%
Return on Equity
10 Years: 3%
5 Years: 3%
3 Years: 3%
Last Year: 2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 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 4 4 4 4 4 78 78 78 78 78 78 78 78
Reserves -0 0 0 0 128 434 462 481 493 508 529 544 584
Borrowing 12 53 48 138 7 132 116 243 633 652 577 673 690
3 3 7 2 16 26 17 9 18 40 60 72 77
Total Liabilities 18 59 59 144 154 670 672 812 1,222 1,277 1,243 1,367 1,429
0 0 0 0 8 25 20 27 31 23 20 22 18
CWIP 0 0 0 0 2 1 0 2 0 0 1 0 0
Investments 3 3 3 0 15 45 112 152 166 211 176 230 218
15 56 56 144 129 598 540 632 1,025 1,043 1,046 1,115 1,193
Total Assets 18 59 59 144 154 670 672 812 1,222 1,277 1,243 1,367 1,429

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-3 -41 4 -39 -4 -444 99 -20 -284 101 149 48
0 0 0 3 -27 -38 -67 -56 -27 -67 8 -47
3 41 -4 89 -6 490 -25 98 342 -43 -150 16
Net Cash Flow 0 0 -0 53 -37 8 8 21 31 -9 7 18

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 2% 3% 2% 6% 4% 3% 6% 4% 2% 3% 3% 2%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.02% 72.95% 72.87% 72.84% 72.59%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.13% 0.28% 0.08% 0.06%
26.96% 26.97% 26.96% 26.96% 26.97% 26.98% 26.97% 26.99% 26.93% 26.85% 27.07% 27.34%
No. of Shareholders 1,3241,3421,3421,3471,3391,4612,0242,6193,7405,0957,0567,434

* 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.

Click on the line-items to see the names of individual entities.

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