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 ₹ 17.2
Dividend Yield 0.00 %
ROCE 1.17 %
ROE -8.63 %
Face Value ₹ 2.00

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Pros

Stock is trading at 1.04 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of 10.5% over past five years.
Company has a low return on equity of -2.59% 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 Financial Services

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	176.11	165.12	167.38	158.27	142.82	135.01	139.33	122.64	131.79	147.02	125.15	127.74	124.00
YoY Revenue growth	+4.04%	+2.06%	+4.78%	-9.55%	-18.90%	-18.24%	-16.76%	-22.51%	-7.72%	+8.90%	-10.18%	+4.16%	-5.91%
Interest	26.24	25.30	24.77	25.62	16.55	18.65	27.62	19.82	19.75	22.24	21.72	25.34	23.20
	146.90	133.99	139.98	132.94	120.97	110.34	108.69	100.82	158.78	124.16	102.21	103.84	98.27
Financing Profit	2.97	5.83	2.63	-0.29	5.30	6.02	3.02	2.00	-46.74	0.62	1.22	-1.44	2.53
Financing Margin %	1.69%	3.53%	1.57%	-0.18%	3.71%	4.46%	2.17%	1.63%	-35.47%	0.42%	0.97%	-1.13%	2.04%
	2.47	0.66	2.42	0.70	4.23	1.03	2.00	0.48	105.92	1.06	2.73	0.79	4.08
Depreciation	7.96	7.64	7.26	7.92	7.77	8.03	7.94	8.11	8.12	7.66	7.47	7.79	7.36
Profit before tax	-2.52	-1.15	-2.21	-7.51	1.76	-0.98	-2.92	-5.63	51.06	-5.98	-3.52	-8.44	-0.75
Tax %	102.78%	105.22%	71.95%	-15.45%	65.91%	94.90%	-11.99%	0.18%	12.50%	-13.04%	-15.62%	14.10%	185.33%
	-5.11	-2.37	-3.80	-6.35	0.60	-1.91	-2.56	-5.64	44.69	-5.19	-2.98	-9.63	-2.14
EPS in Rs	0.00	0.01	0.02	-0.04	0.08	0.02	-0.02	-0.07	1.15	-0.07	-0.00	-0.08	0.02
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	26	60	179	318	532	655	680	543	524	524
Revenue growth		+129%	+201%	+78%	+67%	+23%	+4%	-20%	-4%	-1%
Interest	10	9	17	24	51	84	105	75	87	92
	11	31	127	265	476	633	562	455	484	428
Financing Profit	5	19	36	29	5	-62	13	13	-47	3
Financing Margin %	19%	32%	20%	9%	1%	-9%	2%	2%	-9%	1%
	0	0	0	-0	-2	1	18	9	115	9
Depreciation	0	8	12	15	21	25	30	31	31	30
Profit before tax	4	11	24	15	-18	-85	1	-9	36	-19
Tax %	37%	42%	43%	59%	18%	2%	599%	12%	14%
	3	7	14	6	-21	-87	-6	-10	31	-20
EPS in Rs	1.14	0.17	0.44	0.25	-0.07	-1.07	0.30	-0.03	1.02	-0.13
Dividend Payout %	13%	48%	5%	8%	-28%	-2%	7%	-63%	0%

Compounded Sales Growth
10 Years:	%
5 Years:	10%
3 Years:	-7%
TTM:	-1%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	-14%
TTM:	90%

Stock Price CAGR
10 Years:	21%
5 Years:	-8%
3 Years:	-12%
1 Year:	-48%

Return on Equity
10 Years:	%
5 Years:	-3%
3 Years:	-3%
Last Year:	-9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	4	78	78	78	78	78	78	78	78
Reserves	128	430	444	485	543	528	545	550	595
Borrowing	7	132	121	327	764	924	899	996	961
	16	30	70	154	242	265	279	228	211
Total Liabilities	154	670	713	1,044	1,626	1,795	1,801	1,853	1,846
	8	31	47	56	78	81	94	90	84
CWIP	2	2	1	5	11	35	10	9	1
Investments	0	24	9	0	10	44	10	64	210
	144	614	656	982	1,528	1,634	1,687	1,691	1,550
Total Assets	154	670	713	1,044	1,626	1,795	1,801	1,853	1,846

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-5	-453	30	-69	-313	-23	121	-93	-254
	-21	-29	25	-87	-110	-16	1	-75	90
	-6	490	-17	231	480	80	-124	79	226
Net Cash Flow	-32	8	38	74	56	41	-2	-89	62
Free Cash Flow	-16	-463	25	-81	-347	-74	99	-103	-260

Ratios

Consolidated / View Standalone

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	2%	2%	3%	2%	-0%	-7%	1%	-0%	-9%

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 ・Standalone data

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

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AUM Mix - MSME Secured Share
% of AUM ・Standalone data

Disbursements
INR Crore ・Standalone data

Lending Branches
Count ・Standalone data

Total Employees
Count ・Standalone data

AUM Mix - MSME Digital Share
% of AUM ・Standalone data

RapiPay Direct Business Outlets (DBOs)
Count ・Standalone data

Gross NPA (Owned portfolio)
% ・Standalone data

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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