Capital India Finance Ltd

₹ 17.9 -0.11%

06 Nov - 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]
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.

Website BSE NSE

Market Cap ₹ 700 Cr.
Current Price ₹ 17.9
High / Low ₹ 40.0 / 15.4
Stock P/E
Book Value ₹ 17.1
Dividend Yield 0.00 %
ROCE 2.11 %
ROE -10.1 %
Face Value ₹ 2.00

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Pros

Stock is trading at 1.05 times its book value
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

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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
	49.82	55.94	50.17	45.60	46.04	47.54	52.31	42.78	45.47	48.01	62.50	63.79	68.99
YoY Revenue growth	+29.74%	+35.15%	+20.34%	+13.74%	-7.59%	-15.02%	+4.27%	-6.18%	-1.24%	+0.99%	+19.48%	+49.11%	+51.73%
Interest	18.50	18.54	17.58	16.92	17.03	16.46	18.57	18.62	19.54	19.47	21.97	21.46	25.08
	20.96	27.77	27.03	20.23	23.76	24.78	27.72	20.74	23.84	80.52	40.50	38.73	36.61
Financing Profit	10.36	9.63	5.56	8.45	5.25	6.30	6.02	3.42	2.09	-51.98	0.03	3.60	7.30
Financing Margin %	20.79%	17.21%	11.08%	18.53%	11.40%	13.25%	11.51%	7.99%	4.60%	-108.27%	0.05%	5.64%	10.58%
	0.19	0.72	0.74	0.89	0.37	0.35	0.34	0.17	0.34	98.33	1.02	1.14	0.54
Depreciation	2.45	2.44	2.23	1.97	2.24	2.28	2.50	2.31	2.31	2.28	2.25	2.32	2.90
Profit before tax	8.10	7.91	4.07	7.37	3.38	4.37	3.86	1.28	0.12	44.07	-1.20	2.42	4.94
Tax %	24.69%	29.58%	25.55%	26.59%	-33.73%	26.54%	24.09%	10.94%	8.33%	14.48%	-65.00%	-22.73%	24.09%
	6.09	5.57	3.03	5.41	4.51	3.21	2.92	1.13	0.11	37.70	-0.42	2.97	3.76
EPS in Rs	0.16	0.14	0.08	0.14	0.12	0.08	0.08	0.03	0.00	0.97	-0.01	0.08	0.10
Gross NPA %
Net NPA %
Raw PDF

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
Revenue growth	+187%	+72%	+16%	+193%	+119%	+86%	-11%	+31%	+32%	+19%	+6%	+58%	+29%
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	0.05	0.03	0.10	1.21	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:	21%
5 Years:	-8%
3 Years:	-12%
1 Year:	-48%

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

Ratios

Standalone / 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

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Assets Under Management (AUM)
INR Crore

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

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AUM Mix - MSME Secured Share
% of AUM

Disbursements
INR Crore

Lending Branches
Count

Total Employees
Count

AUM Mix - MSME Digital Share
% of AUM

RapiPay Direct Business Outlets (DBOs)
Count

Gross NPA (Owned portfolio)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	73.04%	73.04%	73.04%	73.04%	73.02%	72.95%	72.87%	72.84%	72.59%	72.59%	72.59%	72.59%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.28%	0.08%	0.06%	0.03%	0.02%	0.01%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.03%
	26.96%	26.97%	26.98%	26.97%	26.99%	26.93%	26.85%	27.07%	27.34%	27.38%	27.36%	27.37%
No. of Shareholders	1,347	1,339	1,461	2,024	2,619	3,740	5,095	7,056	7,434	7,880	8,216	8,240

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
	41.90%	63.73%	73.04%	73.04%	73.04%	73.04%	73.04%	73.04%	72.95%	72.59%	72.59%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.03%	0.01%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%
	58.10%	36.27%	26.96%	26.96%	26.96%	26.96%	26.96%	26.97%	26.93%	27.38%	27.37%
No. of Shareholders	811	459	629	656	793	1,185	1,324	1,339	3,740	7,880	8,240

* 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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