Capital India Finance Ltd

Capital India Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capital India Finance Ltd

₹ 129 0.00%
26 Sep - close price
capitalindia.com BSE: 530879
About

Capital India Finance Ltd is an India-focused, Technology enabled SME Finance Platform, that provides financial solutions to Small and Medium Enterprises (SMEs) for their growth and working capital requirements. [1]

Key Points

Products
The Product portfolio of the Company primarily consists of SME Secured Loans, Equipment Finance, Loan Against Property, and Supply Chain Finance. [1]
It also provides various types of Home Loans such as Home Improvement Loans, Home Extension Loans, NRI Home Loan as well as Personal Loans. [2]

Website BSE
  • Market Cap ₹ 1,002 Cr.
  • Current Price ₹ 129
  • High / Low ₹ 145 / 66.0
  • Stock P/E
  • Book Value ₹ 77.9
  • Dividend Yield 0.08 %
  • ROCE -0.06 %
  • ROE -6.76 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -2.17% over last 3 years.
  • Earnings include an other income of Rs.16.7 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023
49.03 37.19 39.52 106.97 253.24 128.37 144.85 152.57 158.87 169.27 161.79 159.74 174.99
35.70 18.14 27.10 98.21 240.16 112.96 139.69 133.94 158.83 162.00 160.15 155.99 146.23
Operating Profit 13.33 19.05 12.42 8.76 13.08 15.41 5.16 18.63 0.04 7.27 1.64 3.75 28.76
OPM % 27.19% 51.22% 31.43% 8.19% 5.17% 12.00% 3.56% 12.21% 0.03% 4.29% 1.01% 2.35% 16.44%
0.01 0.07 0.00 0.01 0.00 0.04 0.28 1.89 2.00 1.59 1.98 1.69 11.47
Interest 3.83 5.54 6.48 8.40 9.01 12.46 13.26 16.42 19.06 18.68 20.85 22.04 25.74
Depreciation 3.40 3.50 3.68 4.07 4.37 5.27 5.41 5.85 5.89 6.30 6.43 6.15 7.31
Profit before tax 6.11 10.08 2.26 -3.70 -0.30 -2.28 -13.23 -1.75 -22.91 -16.12 -23.66 -22.75 7.18
Tax % 33.55% 25.50% 93.81% -52.16% -306.67% -57.02% -18.22% 85.71% -2.66% -11.35% 8.37% -5.23% 32.45%
4.07 7.52 0.14 -5.64 -1.22 -3.57 -15.65 -0.25 -23.51 -17.95 -21.68 -23.94 4.85
EPS in Rs 0.60 0.96 0.25 -0.57 0.17 0.07 -0.89 0.30 -1.60 -1.02 -1.23 -1.51 1.34
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
26 60 179 318 532 655 666
11 31 127 265 476 633 624
Operating Profit 15 28 53 54 56 22 41
OPM % 58% 47% 29% 17% 11% 3% 6%
0 0 0 -0 -2 1 17
Interest 10 9 17 24 51 84 87
Depreciation 0 8 12 15 21 25 26
Profit before tax 4 11 24 15 -18 -85 -55
Tax % 37% 42% 43% 59% -18% -2%
3 7 14 6 -21 -87 -59
EPS in Rs 4.43 0.84 2.22 1.23 -0.36 -5.35 -2.42
Dividend Payout % 13% 48% 5% 8% -28% -2%
Compounded Sales Growth
10 Years: %
5 Years: 91%
3 Years: 54%
TTM: 14%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -39%
Stock Price CAGR
10 Years: %
5 Years: 0%
3 Years: 2%
1 Year: 21%
Return on Equity
10 Years: %
5 Years: -1%
3 Years: -2%
Last Year: -7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
4 78 78 78 78 78
Reserves 128 430 444 485 543 528
7 132 121 327 764 924
16 30 70 154 242 265
Total Liabilities 154 670 713 1,044 1,626 1,795
8 31 47 56 78 81
CWIP 2 2 1 5 11 35
Investments 0 24 9 0 10 44
144 614 656 982 1,528 1,634
Total Assets 154 670 713 1,044 1,626 1,795

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-5 -453 30 -69 -313 -21
-21 -29 25 -87 -110 -19
-6 490 -17 231 480 80
Net Cash Flow -32 8 38 74 56 41

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 4 0 1 8 6 10
Inventory Days
Days Payable
Cash Conversion Cycle 4 0 1 8 6 10
Working Capital Days 1,176 -69 -101 -65 -73 -79
ROCE % 5% 6% 5% 3% -0%

Shareholding Pattern

Numbers in percentages

Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023
73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04%
26.96% 26.96% 26.96% 26.96% 26.96% 26.96% 26.96% 26.96% 26.95% 26.96% 26.96% 26.97%
No. of Shareholders 6647727939901,1571,1821,1851,1891,2111,2621,3241,342

Documents

Announcements

Annual reports

Right Issue

Credit ratings

Concalls

  • Feb 2021
    Transcript
    Notes
    PPT
  • Jun 2020
    Transcript
    Notes
    PPT
  • Nov 2019
    Transcript
    Notes
    PPT
  • Nov 2019
    Transcript
    Notes
    PPT
  • Dec 2017
    Transcript
    Notes
    PPT