Capital India Finance Ltd

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

Capital India Finance Ltd

₹ 125 -2.65%
19 Apr 3:17 p.m.
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 ₹ 972 Cr.
  • Current Price ₹ 125
  • High / Low ₹ 165 / 70.2
  • Stock P/E
  • Book Value ₹ 79.7
  • 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.

* 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

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
39.52 106.97 253.24 128.37 144.85 152.57 158.87 169.27 161.79 159.74 174.99 174.91 165.70
27.10 98.21 240.16 112.96 139.69 133.94 158.83 162.00 160.15 155.99 146.23 145.70 132.89
Operating Profit 12.42 8.76 13.08 15.41 5.16 18.63 0.04 7.27 1.64 3.75 28.76 29.21 32.81
OPM % 31.43% 8.19% 5.17% 12.00% 3.56% 12.21% 0.03% 4.29% 1.01% 2.35% 16.44% 16.70% 19.80%
0.00 0.01 0.00 0.04 0.28 1.89 2.00 1.59 1.98 1.69 11.47 2.47 1.27
Interest 6.48 8.40 9.01 12.46 13.26 16.42 19.06 18.68 20.85 22.04 25.74 26.24 27.59
Depreciation 3.68 4.07 4.37 5.27 5.41 5.85 5.89 6.30 6.43 6.15 7.31 7.96 7.64
Profit before tax 2.26 -3.70 -0.30 -2.28 -13.23 -1.75 -22.91 -16.12 -23.66 -22.75 7.18 -2.52 -1.15
Tax % 93.81% -52.16% -306.67% -57.02% -18.22% 85.71% -2.66% -11.35% 8.37% -5.23% 32.45% -102.78% -105.22%
0.14 -5.64 -1.22 -3.57 -15.65 -0.25 -23.51 -17.95 -21.68 -23.94 4.85 -5.11 -2.37
EPS in Rs 0.25 -0.57 0.17 0.07 -0.89 0.30 -1.60 -1.02 -1.23 -1.51 1.34 0.01 0.04
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 60 179 318 532 655 675
11 31 127 265 476 633 581
Operating Profit 15 28 53 54 56 22 95
OPM % 58% 47% 29% 17% 11% 3% 14%
0 0 0 -0 -2 1 17
Interest 10 9 17 24 51 84 102
Depreciation 0 8 12 15 21 25 29
Profit before tax 4 11 24 15 -18 -85 -19
Tax % 37% 42% 43% 59% -18% -2%
3 7 14 6 -21 -87 -27
EPS in Rs 4.43 0.84 2.22 1.23 -0.36 -5.35 -0.12
Dividend Payout % 13% 48% 5% 8% -28% -2%
Compounded Sales Growth
10 Years: %
5 Years: 91%
3 Years: 54%
TTM: 5%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 26%
Stock Price CAGR
10 Years: 19%
5 Years: -6%
3 Years: 17%
1 Year: 72%
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 Sep 2023
Equity Capital 4 78 78 78 78 78 78
Reserves 128 430 444 485 543 528 542
7 132 121 327 764 924 932
16 30 70 154 242 265 258
Total Liabilities 154 670 713 1,044 1,626 1,795 1,809
8 31 47 56 78 81 107
CWIP 2 2 1 5 11 35 0
Investments 0 24 9 0 10 44 24
144 614 656 982 1,528 1,634 1,677
Total Assets 154 670 713 1,044 1,626 1,795 1,809

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

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
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% 26.95% 26.96% 26.96% 26.97% 26.96% 26.96% 26.97%
No. of Shareholders 9901,1571,1821,1851,1891,2111,2621,3241,3421,3421,3471,339

Documents

Announcements

Annual reports

Right Issue

Credit ratings

Concalls

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