Capital India Finance Ltd
Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]
- Market Cap ₹ 792 Cr.
- Current Price ₹ 20.7
- High / Low ₹ 40.0 / 18.9
- Stock P/E
- Book Value ₹ 17.1
- Dividend Yield 0.10 %
- ROCE 2.11 %
- ROE -10.1 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
- Company's median sales growth is 31.6% of last 10 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of -1.79% over last 3 years.
- Earnings include an other income of Rs.101 Cr.
* 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 Financial Services
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4 | 8 | 9 | 26 | 56 | 105 | 93 | 123 | 162 | 192 | 205 | 325 | 243 | |
| Interest | 4 | 7 | 8 | 10 | 9 | 13 | 19 | 39 | 63 | 72 | 71 | 83 | 88 |
| 0 | 0 | 0 | 10 | 24 | 43 | 36 | 55 | 70 | 87 | 112 | 190 | 196 | |
| Financing Profit | 0 | 0 | 0 | 5 | 23 | 49 | 39 | 28 | 29 | 34 | 22 | 52 | -41 |
| Financing Margin % | 3% | 2% | 5% | 20% | 40% | 47% | 41% | 23% | 18% | 18% | 10% | 16% | -17% |
| 0 | 0 | 0 | 0 | 0 | 0 | -0 | -2 | 2 | 2 | 1 | 3 | 101 | |
| Depreciation | 0 | 0 | 0 | 0 | 7 | 8 | 9 | 12 | 10 | 9 | 9 | 9 | 10 |
| Profit before tax | 0 | 0 | 0 | 5 | 16 | 41 | 29 | 15 | 20 | 27 | 13 | 45 | 50 |
| Tax % | 23% | 40% | 47% | 37% | 30% | 26% | 30% | 22% | 25% | 27% | 9% | 11% | |
| 0 | 0 | 0 | 3 | 11 | 30 | 20 | 12 | 15 | 20 | 12 | 40 | 44 | |
| EPS in Rs | 0.03 | 0.03 | 0.08 | 0.94 | 0.29 | 0.78 | 0.53 | 0.30 | 0.39 | 0.52 | 0.30 | 1.03 | 1.14 |
| Dividend Payout % | 0% | 0% | 0% | 12% | 28% | 3% | 4% | 7% | 5% | 4% | 7% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 46% |
| 5 Years: | 28% |
| 3 Years: | 26% |
| TTM: | 29% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -745% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 24% |
| 5 Years: | -2% |
| 3 Years: | -4% |
| 1 Year: | -39% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 0% |
| 3 Years: | -2% |
| Last Year: | -10% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 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 | 4 | 4 | 4 | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 0 | 0 | 0 | 128 | 434 | 462 | 481 | 493 | 508 | 529 | 544 | 591 |
| Borrowing | 53 | 48 | 138 | 7 | 132 | 116 | 243 | 633 | 652 | 577 | 673 | 952 |
| 3 | 7 | 2 | 16 | 26 | 17 | 9 | 18 | 40 | 60 | 72 | 90 | |
| Total Liabilities | 59 | 59 | 144 | 154 | 670 | 672 | 812 | 1,222 | 1,277 | 1,243 | 1,367 | 1,711 |
| 0 | 0 | 0 | 8 | 25 | 20 | 27 | 31 | 23 | 20 | 22 | 29 | |
| CWIP | 0 | 0 | 0 | 2 | 1 | 0 | 2 | 0 | 0 | 1 | 0 | 0 |
| Investments | 3 | 3 | 0 | 15 | 45 | 112 | 152 | 166 | 211 | 176 | 230 | 231 |
| 56 | 56 | 144 | 129 | 598 | 540 | 632 | 1,025 | 1,043 | 1,046 | 1,115 | 1,451 | |
| Total Assets | 59 | 59 | 144 | 154 | 670 | 672 | 812 | 1,222 | 1,277 | 1,243 | 1,367 | 1,711 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -41 | 4 | -39 | -4 | -444 | 99 | -20 | -284 | 101 | 149 | -22 | -279 | |
| 0 | 0 | 3 | -27 | -38 | -67 | -56 | -27 | -67 | 8 | -47 | 86 | |
| 41 | -4 | 89 | -6 | 490 | -25 | 98 | 342 | -43 | -150 | 86 | 268 | |
| Net Cash Flow | 0 | -0 | 53 | -37 | 8 | 8 | 21 | 31 | -9 | 7 | 18 | 75 |
| Free Cash Flow | -41 | 4 | -39 | -16 | -451 | 97 | -25 | -290 | 98 | 144 | -25 | -281 |
| CFO/OP | -969% | 68% | -462% | -9% | -1,369% | 179% | -10% | -408% | 114% | 141% | -22% | -194% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 2% | 6% | 4% | 3% | 6% | 4% | 2% | 3% | 3% | 2% | -10% |
Insights
In beta| Mar 2018 | Nov 2019 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets Under Management (AUM) INR Crore |
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| AUM Mix - MSME Secured Share % of AUM |
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| Disbursements INR Crore |
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| Lending Branches Count |
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| Total Employees Count |
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| AUM Mix - MSME Digital Share % of AUM |
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| RapiPay Direct Business Outlets (DBOs) Count |
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| RapiPay Pin Code Coverage Count |
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Extracted by Screener AI
Documents
Announcements
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Letter Dispatched To The Members Of The Company - Weblink Of Annual Report 2025-26
- 32nd AGM on September 7, 2026 via VC; annual report and notice shared with shareholders.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Publication with respect to dispatch of Notice and Annual Report of 32nd Annual General Meeting of the Company is attached
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Please find attached Newspaper Publication pertaining to Unaudited Financial Results (Standalone and Consolidated) for the quarter ended on June 30, 2026 is attached
-
Business Responsibility and Sustainability Reporting (BRSR)
- Capital India Finance schedules AGM on Sept 7, 2026; seeks approval for ₹300 crore debt issuance and related party transactions.
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Notice Of 32Nd Annual General Meeting Of Capital India Finance Limited Scheduled To Be Held On Monday, September 07, 2026 Through Video Conferencing At 11:30 A.M.
- AGM on 7 Sep 2026 seeks approval for 300 crore debt issue, MD pay revision, and RFPL RPTs.
Annual reports
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Annual Report 2026
from bse
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Annual Report 2025
from bse
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
from bse
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Annual Report 2020
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Annual Report 2019
from bse
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
from bse
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Annual Report 2015
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Annual Report 2014
from bse
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Annual Report 2013
from bse
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Annual Report 2012
from bse
Business Overview:[1]
Capital India Finance Limited is an RBI-registered NBFC, listed on NSE and BSE, providing secured, asset-backed credit to MSMEs, self-employed individuals and small business owners. Its primary product is Loan Against Property.