Capital India Finance Ltd

₹ 39.8 -2.52%

13 Jun - close price

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 ₹ 1,548 Cr.
Current Price ₹ 39.8
High / Low ₹ 55.7 / 19.7
Stock P/E 131
Book Value ₹ 16.0
Dividend Yield 0.05 %
ROCE 6.79 %
ROE 1.92 %
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.
Tax rate seems low
Company has a low return on equity of 2.62% over last 3 years.
Dividend payout has been low at 5.21% of profits over last 3 years
Working capital days have increased from 705 days to 2,188 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

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

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	37.43	38.40	41.39	41.69	40.09	49.82	55.94	50.17	45.60	51.90	52.83	46.94	42.78
	19.16	16.12	17.79	18.26	17.96	20.96	27.77	27.03	20.23	29.55	29.96	22.27	20.47
Operating Profit	18.27	22.28	23.60	23.43	22.13	28.86	28.17	23.14	25.37	22.35	22.87	24.67	22.31
OPM %	48.81%	58.02%	57.02%	56.20%	55.20%	57.93%	50.36%	46.12%	55.64%	43.06%	43.29%	52.56%	52.15%
	1.25	0.20	0.24	0.87	0.56	0.19	0.72	0.74	0.89	0.37	0.35	0.34	0.17
Interest	12.79	15.45	15.29	16.10	16.11	18.50	18.54	17.58	16.92	17.10	16.57	18.65	18.89
Depreciation	3.42	2.55	2.61	2.69	2.57	2.45	2.44	2.23	1.97	2.24	2.28	2.50	2.31
Profit before tax	3.31	4.48	5.94	5.51	4.01	8.10	7.91	4.07	7.37	3.38	4.37	3.86	1.28
Tax %	12.39%	27.68%	27.27%	17.97%	25.69%	24.69%	29.58%	25.55%	26.59%	-33.73%	26.54%	24.09%	10.94%
	2.89	3.24	4.32	4.51	2.98	6.09	5.57	3.03	5.41	4.51	3.21	2.92	1.13
EPS in Rs	0.07	0.08	0.11	0.12	0.08	0.16	0.14	0.08	0.14	0.12	0.08	0.08	0.03
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
	2	4	8	9	26	56	105	93	123	162	192	183
	0	0	0	0	10	24	43	36	55	70	87	91
Operating Profit	1	4	7	8	15	32	62	58	68	92	106	92
OPM %	93%	95%	96%	96%	60%	57%	59%	62%	55%	57%	55%	50%
	0	0	0	0	0	0	0	-0	-2	2	2	1
Interest	1	4	7	8	10	9	13	19	39	63	72	71
Depreciation	0	0	0	0	0	7	8	9	12	10	9	9
Profit before tax	0	0	0	0	5	16	41	29	15	20	27	13
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
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
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:	-5%

Compounded Profit Growth
10 Years:	60%
5 Years:	-17%
3 Years:	-3%
TTM:	-41%

Stock Price CAGR
10 Years:	28%
5 Years:	16%
3 Years:	21%
1 Year:	73%

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

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	148	48
	0	0	0	3	-27	-38	-67	-56	-27	-67	8	-47
	3	41	-4	89	-6	490	-25	98	342	-43	-149	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
Debtor Days	0	0	0	17	5	0	0	1	2	8	13	20
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	17	5	0	0	1	2	8	13	20
Working Capital Days	434	4,401	2,338	387	1,196	-52	-35	14	5	-25	-48	2,188
ROCE %	10%	12%	13%	9%	11%	6%	8%	7%	6%	7%	8%	7%

Shareholding Pattern

Numbers in percentages

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Apr 2025
	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	73.02%	72.95%	72.95%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.13%
	26.95%	26.96%	26.96%	26.97%	26.96%	26.96%	26.97%	26.98%	26.97%	26.99%	26.93%	26.92%
No. of Shareholders	1,211	1,262	1,324	1,342	1,342	1,347	1,339	1,461	2,024	2,619	3,740	3,740

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Apr 2025
	41.90%	63.73%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	72.95%	72.95%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.13%
	58.10%	36.27%	26.96%	26.96%	26.96%	26.96%	26.96%	26.97%	26.93%	26.92%
No. of Shareholders	811	459	629	656	793	1,185	1,324	1,339	3,740	3,740

* 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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