Capfin India Ltd: Intrinsic Value & Share Price Analysis

Q: What is the intrinsic value of Capfin India Ltd and is it undervalued?

As of 03 April 2026, Capfin India Ltd's intrinsic value is 9.23, which is 91.68% lower than the current market price of 111.00, suggesting the stock is overvalued. Calculated using the PE ratio method factoring in ROE (3.50 %), book value (21.3), dividend yield (0.00 %), and 5-year EPS CAGR.

Q: What is the current share price and 52-week range of Capfin India Ltd?

Capfin India Ltd is trading at 111.00 as of 03 April 2026, with a FY2026-2027 high of 200 and low of 97.3. The stock is currently near its 52-week low. Market cap stands at 32.6 Cr..

Q: Is Capfin India Ltd financially healthy?

Key indicators: ROCE of 3.70 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Capfin India Ltd profitable and how is the profit trend?

Capfin India Ltd reported a net profit of 0 Cr in Mar 2025 on revenue of 1 Cr. Compared to 0 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹9.12Overvalued by 91.78%vs CMP ₹111.00

P/E (15.0) × ROE (3.5%) × BV (₹21.30) × DY (2.00%)

Defaults: P/E=15

₹9.23Overvalued by 91.68%vs CMP ₹111.00

MoS: -1102.6% (Negative)Confidence: 60/100 (Moderate)Models: All 6: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹7.15	25%	Over (-93.6%)
Graham Number	Earnings	₹16.09	22%	Over (-85.5%)
Earnings Power	Earnings	₹1.70	15%	Over (-98.5%)
DCF	Cash Flow	₹5.37	19%	Over (-95.2%)
Net Asset Value	Assets	₹21.35	10%	Over (-80.8%)
Earnings Yield	Earnings	₹5.40	10%	Over (-95.1%)
Consensus (6 models)		₹9.23	100%	Overvalued

Key Drivers: EPS CAGR -21.6% drags value — could be higher if earnings stabilize. | ROE 3.5% is below cost of equity.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -21.6% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

Capfin India Ltd scores 48/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health50/100 · Moderate

ROCE 3.7% WeakROE 3.5% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent

Smart Money50/100 · Moderate

Promoter holding at 66.2% Stable

Earnings Quality60/100 · Moderate

Working capital: -24 days (improving) Efficient

Quarterly Momentum40/100 · Moderate

Profit (4Q): -833% YoY Declining

Industry Rank30/100 · Weak

ROCE 3.7% vs industry 21.7% Below peersROE 3.5% vs industry 14.2% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: March 31, 2026, 4:19 am

Market Cap	32.6 Cr.
Current Price	111
Intrinsic Value	₹9.23
High / Low	200/97.3
Stock P/E
Book Value	21.3
Dividend Yield	0.00 %
ROCE	3.70 %
ROE	3.50 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Capfin India Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Modern Shares & Stockbrokers Ltd	8.02 Cr.	27.4	53.0/24.7	38.2	44.4	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,109 Cr.	266	399/235	13.2	111	0.38 %	33.3 %	26.2 %	10.0
Monotype India Ltd	28.1 Cr.	0.40	0.84/0.37	4.49	0.03	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	3.98 Cr.	8.05	11.5/7.58		9.25	0.00 %	3.68 %	3.38 %	10.0
Munoth Financial Services Ltd	9.17 Cr.	17.8	69.9/17.8		19.9	0.00 %	2.41 %	3.38 %	10.0
Industry Average	6,725.79 Cr	1,029.64		98.51	4,364.49	0.43%	21.71%	14.20%	7.23

All Competitor Stocks of Capfin India Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.21	0.03	0.12	0.04	0.03	0.18	0.06	0.71	0.08	0.06	0.06	0.06	0.06
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	0.21	0.02	0.09	0.03	0.15	0.78	0.05	0.21	0.01	0.49	0.40	0.12	0.12
Financing Profit	0.00	0.01	0.03	0.01	-0.12	-0.60	0.01	0.50	0.07	-0.43	-0.34	-0.06	-0.06
Financing Margin %	0.00%	33.33%	25.00%	25.00%	-400.00%	-333.33%	16.67%	70.42%	87.50%	-716.67%	-566.67%	-100.00%	-100.00%
Other Income	0.00	0.18	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.00	0.19	0.03	0.01	-0.12	-0.60	0.01	0.50	0.07	-0.43	-0.34	-0.06	-0.06
Tax %		15.79%	0.00%	0.00%	0.00%	-33.33%	0.00%	20.00%	0.00%	-23.26%	-26.47%	-33.33%	-33.33%
Net Profit	0.00	0.15	0.03	0.01	-0.12	-0.39	0.01	0.40	0.07	-0.33	-0.25	-0.03	-0.05
EPS in Rs	0.00	0.52	0.10	0.03	-0.42	-1.36	0.03	1.40	0.24	-1.12	-0.85	-0.10	-0.17
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 11:34 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 2:05 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.36	3.43	0.21	0.20	0.12	0.15	0.14	0.14	0.18	0.34	0.24	0.91	0.24
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Expenses	1.32	3.41	0.67	0.14	0.11	0.12	0.12	0.10	0.13	0.12	0.91	0.74	1.13
Financing Profit	0.04	0.02	-0.46	0.06	0.01	0.03	0.02	0.04	0.05	0.22	-0.67	0.17	-0.89
Financing Margin %	2.94%	0.58%	-219.05%	30.00%	8.33%	20.00%	14.29%	28.57%	27.78%	64.71%	-279.17%	18.68%	-370.83%
Other Income	0.00	0.00	0.00	0.01	0.00	0.00	0.02	0.01	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.04	0.02	-0.46	0.07	0.01	0.03	0.04	0.05	0.05	0.22	-0.67	0.17	-0.89
Tax %	25.00%	50.00%	0.00%	14.29%	0.00%	33.33%	0.00%	0.00%	20.00%	13.64%	-29.85%	0.00%
Net Profit	0.03	0.02	-0.47	0.05	0.01	0.01	0.03	0.04	0.04	0.18	-0.46	0.16	-0.66
EPS in Rs	0.09	0.07	-1.64	0.17	0.03	0.03	0.10	0.14	0.14	0.63	-1.61	0.54	-2.24
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	-33.33%	-2450.00%	110.64%	-80.00%	0.00%	200.00%	33.33%	0.00%	350.00%	-355.56%	134.78%
Change in YoY Net Profit Growth (%)	0.00%	-2416.67%	2560.64%	-190.64%	80.00%	200.00%	-166.67%	-33.33%	350.00%	-705.56%	490.34%

Capfin India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	-12%
5 Years:	45%
3 Years:	72%
TTM:	200%

Compounded Profit Growth
10 Years:	23%
5 Years:	40%
3 Years:	59%
TTM:	82%

Stock Price CAGR
10 Years:	29%
5 Years:	128%
3 Years:	136%
1 Year:	-50%

Return on Equity
10 Years:	-1%
5 Years:	0%
3 Years:	-1%
Last Year:	4%

Last Updated: September 5, 2025, 2:46 pm

Balance Sheet

Last Updated: March 3, 2026, 12:41 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	3.23	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.86	2.94	2.94
Reserves	0.35	0.73	0.27	0.32	0.38	0.39	0.45	0.14	0.02	0.20	-0.27	3.61	3.33
Borrowing	0.00	0.00	0.00	0.00	0.00	0.01	0.02	0.02	0.00	0.00	0.00	0.05	0.00
Other Liabilities	0.03	0.04	0.02	0.03	0.03	0.02	0.04	0.01	0.01	0.04	0.00	0.07	0.05
Total Liabilities	3.61	3.63	3.15	3.21	3.27	3.28	3.37	3.03	2.89	3.10	2.59	6.67	6.32
Fixed Assets	0.00	0.01	0.00	0.00	0.26	0.25	0.25	0.24	0.24	0.00	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1.23	1.74	1.60	1.60	1.39	1.34	1.26	0.91	0.92	1.72	0.55	0.00	3.75
Other Assets	2.38	1.88	1.55	1.61	1.62	1.69	1.86	1.88	1.73	1.38	2.04	6.67	2.57
Total Assets	3.61	3.63	3.15	3.21	3.27	3.28	3.37	3.03	2.89	3.10	2.59	6.67	6.32

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-0.19	0.15	-0.16	0.08	-0.15	-0.06	-0.11	0.01	0.13	0.35	-0.97	-0.28
Cash from Investing Activity +	0.00	-0.51	0.23	-0.08	0.04	0.05	0.10	0.00	-0.13	-0.39	0.88	-1.45
Cash from Financing Activity +	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.00	-0.02	0.00	0.00	3.83
Net Cash Flow	-0.19	-0.35	0.07	0.00	-0.11	0.00	-0.01	0.01	-0.01	-0.04	-0.09	2.10
Free Cash Flow	-0.19	0.15	-0.16	0.08	-0.15	-0.06	-0.11	0.01	0.13	0.35	-0.97	-0.28
CFO/OP	-450%	800%	35%	150%	-1,400%	-200%	-500%	50%	260%	159%	143%	-165%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	1.32	3.41	0.67	0.14	0.11	0.11	0.10	0.08	0.13	0.12	0.91	0.69

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0.00	5.32	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Days	0.00	5.63	0.00								1,241.00	0.00
Days Payable		0.00									0.00
Cash Conversion Cycle	0.00	10.95	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1,241.00	0.00
Working Capital Days	61.73	35.12	34.76	18.25	-60.83	146.00	-52.14	26.07	405.56	0.00	304.17	-24.07
ROCE %	1.12%	0.56%	-13.69%	2.22%	0.31%	0.92%	1.21%	1.57%	1.69%	7.41%	-23.72%	3.70%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	18.15%	18.15%	18.15%	18.15%	18.15%	18.15%	65.31%	65.31%	66.18%	66.18%	66.18%	66.18%
Public	81.86%	81.85%	81.86%	81.85%	81.84%	81.86%	34.69%	34.67%	33.81%	33.82%	33.82%	33.82%
No. of Shareholders	309	308	329	339	601	937	875	1,250	1,202	1,136	1,136	1,013

Shareholding Pattern Chart

No. of Shareholders

Capfin India Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 13	Mar 12	Mar 11
FaceValue	10.00	10.00	10.00
Basic EPS (Rs.)	0.00	0.00	0.23
Diluted EPS (Rs.)	0.00	0.00	0.23
PBDIT Margin (%)	10.55	29.86	60.02
PBIT Margin (%)	10.55	29.86	59.89
PBT Margin (%)	10.55	29.86	59.89
Net Profit Margin (%)	10.55	29.86	50.77
NP After MI And SOA Margin (%)	10.55	29.86	50.77

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Capfin India Ltd. is a Public Limited Listed company incorporated on 16/03/1992 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74999DL1992PLC048032 and registration number is 048032. Currently company belongs to the Industry of Non-Banking Financial Company (NBFC). Company's Total Operating Revenue is Rs. 0.91 Cr. and Equity Capital is Rs. 2.94 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	6th Floor, VB Capitol Building, Range Hills Road, Pune Maharashtra 411007	Contact not found

Management
Name	Position Held
Mr. Abhishek Narbaria	Managing Director
Mr. Umesh Kumar Sahay	Non Independent Director
Ms. Gayathri Srinivasan Iyer	Independent Director
Mr. Mangina Srinivas Rao	Independent Director

FAQ

What is the intrinsic value of Capfin India Ltd and is it undervalued?

As of 03 April 2026, Capfin India Ltd's intrinsic value is ₹9.23, which is 91.68% lower than the current market price of ₹111.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (3.50 %), book value (₹21.3), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Capfin India Ltd?

Capfin India Ltd is trading at ₹111.00 as of 03 April 2026, with a FY2026-2027 high of ₹200 and low of ₹97.3. The stock is currently near its 52-week low. Market cap stands at ₹32.6 Cr..

How does Capfin India Ltd's P/E ratio compare to its industry?

Capfin India Ltd has a P/E ratio of , which is below the industry average of 98.51. This is broadly in line with or below the industry average.

Is Capfin India Ltd financially healthy?

Key indicators for Capfin India Ltd: ROCE of 3.70 % is on the lower side compared to the industry average of 21.71%; ROE of 3.50 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is Capfin India Ltd profitable and how is the profit trend?

Capfin India Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹1 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Capfin India Ltd pay dividends?

Capfin India Ltd has a dividend yield of 0.00 % at the current price of ₹111.00. The company is currently not paying meaningful dividends.