TruCap Finance Ltd

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

TruCap Finance Ltd

₹ 61.4 -1.76%
26 Apr - close price
dhanvarshafinvest.com BSE: 540268 NSE : TRU
About

Dhanvarsha Finvest Limited is a non-deposit taking NBFC registered with the RBI. It is engaged in providing financing services to MSMEs and individuals. [1]

Key Points

Products
The Co. is engaged primarily in the business of providing Micro Enterprise Loans, SME Loans, Other Structured Business, Personal Loans, Gold Loans and ancillary services related to the said business activities. [1]

Website BSE NSE
  • Market Cap ₹ 718 Cr.
  • Current Price ₹ 61.4
  • High / Low ₹ 87.1 / 40.0
  • Stock P/E 125
  • Book Value ₹ 19.2
  • Dividend Yield 0.02 %
  • ROCE 9.65 %
  • ROE 0.34 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 3.21 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 1.55% over last 3 years.
  • Promoters have pledged 51.5% of their holding.
  • Debtor days have increased from 88.8 to 116 days.
  • Promoter holding has decreased over last 3 years: -14.0%
  • Working capital days have increased from 102 days to 152 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

Sector: Finance Industry: Finance & Investments

Edit Columns
Loading peers table ...

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
7.05 10.47 13.69 17.59 21.43 23.03 25.91 30.32 34.46 32.87 37.97 42.70 39.82
6.87 7.88 7.61 8.82 10.46 12.77 13.65 15.74 18.44 15.01 17.26 20.24 22.20
Operating Profit 0.18 2.59 6.08 8.77 10.97 10.26 12.26 14.58 16.02 17.86 20.71 22.46 17.62
OPM % 2.55% 24.74% 44.41% 49.86% 51.19% 44.55% 47.32% 48.09% 46.49% 54.34% 54.54% 52.60% 44.25%
1.80 0.37 0.01 0.06 0.06 0.11 0.11 0.06 0.05 0.03 0.00 0.24 9.17
Interest 0.55 1.92 3.52 5.15 7.25 8.45 9.99 12.17 13.75 14.88 17.34 18.16 20.51
Depreciation 0.42 0.35 0.81 1.03 1.38 1.53 1.66 2.08 1.86 2.11 1.90 1.99 2.99
Profit before tax 1.01 0.69 1.76 2.65 2.40 0.39 0.72 0.39 0.46 0.90 1.47 2.55 3.29
Tax % 159.41% -68.12% 101.70% 32.83% -1.25% 146.15% 120.83% 30.77% 91.30% 46.67% 28.57% 46.67% 13.37%
-0.59 1.17 -0.03 1.78 2.43 -0.18 -0.15 0.27 0.03 0.48 1.06 1.36 2.85
EPS in Rs -0.08 0.15 -0.00 0.23 0.31 -0.02 -0.01 0.02 0.00 0.04 0.09 0.12 0.24
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
19 19 30 76 123 153
12 12 22 40 63 75
Operating Profit 8 8 8 36 60 79
OPM % 39% 39% 26% 48% 49% 51%
0 0 0 0 1 9
Interest 5 2 4 24 51 71
Depreciation 0 0 1 5 8 9
Profit before tax 2 6 3 7 2 8
Tax % 12% 27% 53% 45% 74%
2 4 1 4 1 6
EPS in Rs 0.32 0.60 0.17 0.45 0.05 0.49
Dividend Payout % 16% 3% 6% 2% 18%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 86%
TTM: 35%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: -46%
TTM: 19267%
Stock Price CAGR
10 Years: %
5 Years: 38%
3 Years: -22%
1 Year: 17%
Return on Equity
10 Years: %
5 Years: %
3 Years: 2%
Last Year: 0%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 14 14 15 18 23 23
Reserves 12 16 80 150 184 201
25 16 81 286 443 466
3 3 11 18 22 12
Total Liabilities 54 48 186 472 671 701
1 3 11 23 24 56
CWIP 1 0 4 24 29 0
Investments 0 1 11 26 49 13
52 44 160 399 570 632
Total Assets 54 48 186 472 671 701

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
2 13 -80 -185 -151
2 -4 -34 -73 -66
-3 -11 145 284 197
Net Cash Flow 1 -2 31 26 -21

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 0 23 74 77 116
Inventory Days
Days Payable
Cash Conversion Cycle 0 23 74 77 116
Working Capital Days -11 68 69 87 152
ROCE % 15% 6% 10% 10%

Shareholding Pattern

Numbers in percentages

32 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
61.19% 61.19% 60.35% 65.14% 67.00% 65.34% 60.25% 58.44% 53.57% 50.77% 46.84% 47.38%
4.23% 4.15% 4.11% 2.83% 3.43% 3.06% 8.45% 8.45% 8.57% 8.13% 8.43% 9.70%
0.00% 0.00% 0.10% 0.09% 0.08% 0.07% 0.07% 0.07% 0.00% 0.00% 0.00% 0.00%
34.57% 34.65% 35.44% 31.94% 29.49% 31.53% 31.24% 33.04% 37.86% 41.10% 44.72% 42.92%
No. of Shareholders 1,6631,8732,7125,5497,98010,54310,02810,4879,84211,97014,57817,193

* 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.

Documents

Announcements

Annual reports

Credit ratings

Concalls