TruCap Finance Ltd

TruCap Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

TruCap Finance Ltd

₹ 14.4 1.98%
16 Jun - close price
trucapfinance.com BSE: 540268 NSE: TRU
About

Incorporated in 1994, TruCap Finance Ltd is
in the business of Fund based activities and Advisory services[1]

Key Points

Business Overview:[1][2]
TCFL (formerly known as Dhanvarsha Finvest Limited) is promoted by Mumbai-headquartered Wilson Group. It is a Non Systematically Important Non Deposit Taking Non Banking Financial Company.
It is a specialized MSME lender which provides access to affordable credit solutions to entrepreneurs. It provides financing options to the relatively under-banked micro, small & medium enterprises (MSME) and low-to-mid income (LMI) groups, offering a range of secured and unsecured financing products. Currently, company has ~96,700+ Customers, ~10.3 Billion Loan
Book, 45+ Lenders, ~128 Branch Network

Website BSE NSE - BE
  • Market Cap ₹ 171 Cr.
  • Current Price ₹ 14.4
  • High / Low ₹ 55.0 / 6.61
  • Stock P/E
  • Book Value ₹ 13.9
  • Dividend Yield 0.07 %
  • ROCE 2.54 %
  • ROE -34.9 %
  • Face Value ₹ 2.00
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Pros

  • Company has reduced debt.
  • Stock is trading at 1.04 times its book value
  • Debtor days have improved from 114 to 77.8 days.
  • Company's working capital requirements have reduced from 139 days to 98.7 days

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.46%
  • Promoter holding is low: 35.8%
  • Company has a low return on equity of -8.09% over last 3 years.
  • Company's cost of borrowing seems high

* 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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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
23 26 30 35 33 38 42 40 41 52 58 52 35
Interest 8 10 12 14 15 17 18 21 23 26 27 25 21
10 12 15 18 15 17 20 22 24 22 26 25 92
Financing Profit 4 4 3 3 3 3 4 -3 -5 4 4 2 -77
Financing Margin % 19% 15% 11% 7% 10% 9% 10% -7% -12% 7% 7% 4% -219%
0 0 0 0 0 0 0 9 12 0 1 1 1
Depreciation 1 1 1 2 2 2 2 3 2 2 2 2 8
Profit before tax 3 3 2 1 1 2 3 4 4 2 3 1 -84
Tax % 24% 26% 13% 35% 26% 26% 44% 13% -37% 32% 58% -16% -17%
2 2 2 1 1 1 2 3 6 1 1 1 -70
EPS in Rs 0.28 0.17 0.18 0.06 0.09 0.11 0.13 0.26 0.50 0.12 0.10 0.11 -6.02
Gross NPA % 1.16% 1.42% 2.59%
Net NPA % 0.67% 0.90% 1.87%
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
0 0 2 1 12 19 19 24 70 124 161 196
Interest 0 0 0 0 2 5 2 4 24 51 79 99
0 0 2 1 5 12 12 17 31 60 83 165
Financing Profit 0 0 0 0 4 2 6 2 15 13 -0 -67
Financing Margin % 23% 13% 7% 3% 38% 12% 31% 10% 21% 11% -0% -34%
0 0 0 0 0 0 0 0 0 0 21 3
Depreciation 0 0 0 0 0 0 0 1 4 6 8 14
Profit before tax 0 0 0 0 5 2 6 2 11 7 12 -79
Tax % 0% 33% 31% 100% 11% 12% 27% 61% 31% 23% 4% -15%
0 0 0 0 4 2 4 1 7 6 12 -67
EPS in Rs 0.02 0.01 0.02 0.00 1.05 0.32 0.61 0.09 0.83 0.48 1.00 -5.70
Dividend Payout % 0% 0% 0% 0% 19% 16% 3% 11% 1% 2% 1% 0%
Compounded Sales Growth
10 Years: 105%
5 Years: 59%
3 Years: 41%
TTM: 22%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -669%
Stock Price CAGR
10 Years: %
5 Years: -6%
3 Years: -43%
1 Year: -72%
Return on Equity
10 Years: -3%
5 Years: -5%
3 Years: -8%
Last Year: -35%

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 3 6 8 8 8 14 14 15 18 23 23 23
Reserves 1 1 1 1 5 13 18 84 156 200 196 139
Borrowing 11 1 1 0 39 25 16 81 286 443 686 520
0 1 0 0 3 2 2 5 12 12 23 17
Total Liabilities 15 10 9 9 55 54 48 185 472 678 928 699
0 0 1 1 1 1 3 10 18 21 28 21
CWIP 0 0 0 0 0 1 0 1 11 12 6 0
Investments 0 0 1 2 1 0 1 18 51 81 60 42
15 10 7 7 53 52 43 155 392 564 834 636
Total Assets 15 10 9 9 55 54 48 185 472 678 928 699

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
0 6 -1 1 -41 2 13 -78 -181 -149 -212 208
0 0 -1 0 5 2 -4 -38 -76 -69 30 -25
-0 -6 1 -0 39 -3 -11 145 283 198 245 -246
Net Cash Flow 0 0 -1 1 2 1 -2 30 26 -20 63 -63

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% 0% 1% 0% 38% 11% 14% 1% 5% 3% 5% -35%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
67.00% 65.34% 60.25% 58.44% 53.57% 50.77% 46.84% 47.38% 42.14% 36.87% 37.22% 35.76%
3.43% 3.06% 8.45% 8.45% 8.57% 8.13% 8.43% 9.70% 10.70% 8.42% 8.08% 6.18%
0.08% 0.07% 0.07% 0.07% 0.00% 0.00% 0.00% 0.00% 0.00% 1.07% 1.07% 0.94%
29.49% 31.53% 31.24% 33.04% 37.86% 41.10% 44.72% 42.92% 47.16% 53.66% 53.65% 57.12%
No. of Shareholders 7,98010,54310,02810,4879,84211,97014,57817,19318,72725,06126,52828,832

* 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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