Trust Fintech Ltd
Incorporated in 1998, Trust Fintech Ltd is in the business of selling software and allied services[1]
- Market Cap ₹ 97.6 Cr.
- Current Price ₹ 41.0
- High / Low ₹ 94.1 / 27.9
- Stock P/E 12.6
- Book Value ₹ 47.6
- Dividend Yield 1.22 %
- ROCE 14.6 %
- ROE 10.4 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.86 times its book value
Cons
- Earnings include an other income of Rs.3.95 Cr.
- Company has high debtors of 159 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
Information Technology Information Technology IT - Software Software Products
Half Yearly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|
| 34.73 | 31.26 | 35.72 | |
| 17.02 | 22.42 | 26.01 | |
| Operating Profit | 17.71 | 8.84 | 9.71 |
| OPM % | 50.99% | 28.28% | 27.18% |
| 0.23 | 4.38 | 3.95 | |
| Interest | 0.02 | 0.10 | 0.11 |
| Depreciation | 1.23 | 1.96 | 2.57 |
| Profit before tax | 16.69 | 11.16 | 10.98 |
| Tax % | 25.10% | 28.32% | |
| 12.50 | 8.01 | 7.73 | |
| EPS in Rs | 7.13 | 3.36 | 3.24 |
| Dividend Payout % | 0.00% | 14.88% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -10% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -36% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -48% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| Last Year: | 10% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|
| Equity Capital | 17.54 | 23.83 | 23.83 |
| Reserves | 27.57 | 85.74 | 89.49 |
| 0.17 | 0.00 | 0.23 | |
| 7.16 | 7.99 | 9.34 | |
| Total Liabilities | 52.44 | 117.56 | 122.89 |
| 12.85 | 16.91 | 39.39 | |
| CWIP | 8.34 | 15.94 | 0.00 |
| Investments | 7.94 | 53.86 | 48.10 |
| 23.31 | 30.85 | 35.40 | |
| Total Assets | 52.44 | 117.56 | 122.89 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | |
|---|---|---|
| 12.68 | -36.74 | |
| -17.09 | -13.96 | |
| 5.62 | 53.12 | |
| Net Cash Flow | 1.21 | 2.41 |
| Free Cash Flow | 1.17 | -50.36 |
| CFO/OP | 72% | -416% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2024 | Mar 2025 | |
|---|---|---|
| Debtor Days | 124.96 | 159.26 |
| Inventory Days | ||
| Days Payable | ||
| Cash Conversion Cycle | 124.96 | 159.26 |
| Working Capital Days | 99.95 | 159.03 |
| ROCE % | 14.55% |
Insights
In beta| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Debtors Turnover Ratio Ratio ・Standalone data |
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| Employee Headcount (Total Software Professionals) Number |
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| Global Presence (Countries) Number |
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| Permanent Employees on Rolls Number ・Standalone data |
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| Product Development Completion - CBS Customization for NBFCs (India) Percentage ・Standalone data |
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| Product Development Completion - CBS for Credit Union South America (Spanish) Percentage ・Standalone data |
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| Product Development Completion - Loan Origination for North America Percentage ・Standalone data |
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| Product Development Completion - Risk Management using AI Percentage ・Standalone data |
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| Product Development Completion - Universal Digital Reconciliation Percentage ・Standalone data |
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Documents
Announcements
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Certificate under SEBI (Depositories and Participants) Regulations, 2018
9 April 2026 - Submitted Regulation 74(5) certificate for quarter ended March 31, 2026; all shares remain in demat form.
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Updates
9 April 2026 - Trust Fintech replies to NSE price movement query, saying no undisclosed price-sensitive information exists.
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Price movement
8 April 2026 - Investors have latest relevant information about the company and to inform the market place so that the interest of the investors is safeguarded, has written …
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Outcome of Board Meeting
30 March 2026 - Independent Directors' meeting on 30 Mar 2026 reviewed board/chairman performance and information flow.
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Trading Window
27 March 2026 - Trading window closed from 01-Apr-2026 until 48 hours after audited results for half-year and year ended 31-Mar-2026.
Business Overview:[1][2]
TFL is a CMMI Level 5, ISO 9001:2015, and ISO 27001:2013 certified company specializing in software solutions and services. Its offerings cover sectors including banking, ERP implementation, customized software development, SAP B1, and offshore IT services.