Capital India Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 21, 2025, 11:21 pm

Quick Insight

Capital India Finance Ltd, a Non-Banking Financial Company (NBFC), currently trades at a price of 35.2 with a market cap of 1,370 Cr. The company's financial health is reflected in its low ROE of 1.63% and ROCE of 6.10%. Operating profit margin stands at 22.18%, while net profit is at -10. With promoters holding a significant stake of 73.02% and a P/BV of 1.89x, the company seems to be undervalued. However, its high borrowings of ₹996Cr and negative net profit raise concerns about its financial leverage and profitability. Investors should closely monitor its performance to assess the sustainability of its operations and growth prospects.

Competitors of Capital India Finance Ltd

All Competitor Stocks of Capital India Finance Ltd

Quarterly Result

Last Updated: May 31, 2025, 6:36 am

Below is a detailed analysis of the quarterly data for Capital India Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Sales, as of Mar 2025, the value is 139.33 Cr.. The value appears to be declining and may need further review. It has decreased from 152.93 Cr. (Dec 2024) to 139.33 Cr., marking a decrease of 13.60 Cr..
• For Expenses, as of Mar 2025, the value is 108.43 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 118.40 Cr. (Dec 2024) to 108.43 Cr., marking a decrease of 9.97 Cr..
• For Operating Profit, as of Mar 2025, the value is 30.90 Cr.. The value appears to be declining and may need further review. It has decreased from 34.53 Cr. (Dec 2024) to 30.90 Cr., marking a decrease of 3.63 Cr..
• For OPM %, as of Mar 2025, the value is 22.18%. The value appears to be declining and may need further review. It has decreased from 22.58% (Dec 2024) to 22.18%, marking a decrease of 0.40%.
• For Other Income, as of Mar 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.44 Cr. (Dec 2024) to 2.00 Cr., marking an increase of 1.56 Cr..
• For Interest, as of Mar 2025, the value is 27.88 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 27.74 Cr. (Dec 2024) to 27.88 Cr., marking an increase of 0.14 Cr..
• For Depreciation, as of Mar 2025, the value is 7.94 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 8.15 Cr. (Dec 2024) to 7.94 Cr., marking a decrease of 0.21 Cr..
• For Profit before tax, as of Mar 2025, the value is -2.92 Cr.. The value appears to be declining and may need further review. It has decreased from -0.92 Cr. (Dec 2024) to -2.92 Cr., marking a decrease of 2.00 Cr..
• For Tax %, as of Mar 2025, the value is -11.99%. The value appears to be improving (decreasing) as expected. It has decreased from 107.61% (Dec 2024) to -11.99%, marking a decrease of 119.60%.
• For Net Profit, as of Mar 2025, the value is -2.56 Cr.. The value appears to be declining and may need further review. It has decreased from -1.91 Cr. (Dec 2024) to -2.56 Cr., marking a decrease of 0.65 Cr..
• For EPS in Rs, as of Mar 2025, the value is -0.02. The value appears to be declining and may need further review. It has decreased from 0.02 (Dec 2024) to -0.02, marking a decrease of 0.04.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 2:22 pm

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: July 25, 2025, 1:38 pm

Below is a detailed analysis of the balance sheet data for Capital India Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 78.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 78.00 Cr..
• For Reserves, as of Mar 2025, the value is 550.00 Cr.. The value appears strong and on an upward trend. It has increased from 545.00 Cr. (Mar 2024) to 550.00 Cr., marking an increase of 5.00 Cr..
• For Borrowings, as of Mar 2025, the value is 996.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 899.00 Cr. (Mar 2024) to 996.00 Cr., marking an increase of 97.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 228.00 Cr.. The value appears to be improving (decreasing). It has decreased from 279.00 Cr. (Mar 2024) to 228.00 Cr., marking a decrease of 51.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 1,853.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,801.00 Cr. (Mar 2024) to 1,853.00 Cr., marking an increase of 52.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 98.00 Cr.. The value appears strong and on an upward trend. It has increased from 94.00 Cr. (Mar 2024) to 98.00 Cr., marking an increase of 4.00 Cr..
• For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10.00 Cr. (Mar 2024) to 0.00 Cr., marking a decrease of 10.00 Cr..
• For Investments, as of Mar 2025, the value is 64.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2024) to 64.00 Cr., marking an increase of 54.00 Cr..
• For Other Assets, as of Mar 2025, the value is 1,691.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,687.00 Cr. (Mar 2024) to 1,691.00 Cr., marking an increase of 4.00 Cr..
• For Total Assets, as of Mar 2025, the value is 1,853.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,801.00 Cr. (Mar 2024) to 1,853.00 Cr., marking an increase of 52.00 Cr..

However, the Borrowings (996.00 Cr.) are higher than the Reserves (550.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Cash Flow

Free Cash Flow

Financial Efficiency Indicators

Key Financial Ratios

After reviewing the key financial ratios for Capital India Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

• For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. It has decreased from 10.00 (Mar 24) to 2.00, marking a decrease of 8.00.
• For Basic EPS (Rs.), as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has decreased from 1.50 (Mar 24) to 0.04, marking a decrease of 1.46.
• For Diluted EPS (Rs.), as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has decreased from 1.48 (Mar 24) to 0.04, marking a decrease of 1.44.
• For Cash EPS (Rs.), as of Mar 25, the value is 0.55. This value is below the healthy minimum of 3. It has decreased from 3.05 (Mar 24) to 0.55, marking a decrease of 2.50.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 16.14. It has decreased from 80.10 (Mar 24) to 16.14, marking a decrease of 63.96.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 16.14. It has decreased from 80.10 (Mar 24) to 16.14, marking a decrease of 63.96.
• For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 15.79. It has decreased from 87.49 (Mar 24) to 15.79, marking a decrease of 71.70.
• For PBDIT / Share (Rs.), as of Mar 25, the value is 3.33. This value is within the healthy range. It has decreased from 15.85 (Mar 24) to 3.33, marking a decrease of 12.52.
• For PBIT / Share (Rs.), as of Mar 25, the value is 2.51. This value is within the healthy range. It has decreased from 11.97 (Mar 24) to 2.51, marking a decrease of 9.46.
• For PBT / Share (Rs.), as of Mar 25, the value is -0.22. This value is below the healthy minimum of 0. It has decreased from 0.16 (Mar 24) to -0.22, marking a decrease of 0.38.
• For Net Profit / Share (Rs.), as of Mar 25, the value is -0.26. This value is below the healthy minimum of 2. It has increased from -0.82 (Mar 24) to -0.26, marking an increase of 0.56.
• For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 0.03. This value is below the healthy minimum of 2. It has decreased from 1.50 (Mar 24) to 0.03, marking a decrease of 1.47.
• For PBDIT Margin (%), as of Mar 25, the value is 21.11. This value is within the healthy range. It has increased from 18.11 (Mar 24) to 21.11, marking an increase of 3.00.
• For PBIT Margin (%), as of Mar 25, the value is 15.91. This value is within the healthy range. It has increased from 13.67 (Mar 24) to 15.91, marking an increase of 2.24.
• For PBT Margin (%), as of Mar 25, the value is -1.44. This value is below the healthy minimum of 10. It has decreased from 0.19 (Mar 24) to -1.44, marking a decrease of 1.63.
• For Net Profit Margin (%), as of Mar 25, the value is -1.66. This value is below the healthy minimum of 5. It has decreased from -0.94 (Mar 24) to -1.66, marking a decrease of 0.72.
• For NP After MI And SOA Margin (%), as of Mar 25, the value is 0.25. This value is below the healthy minimum of 8. It has decreased from 1.71 (Mar 24) to 0.25, marking a decrease of 1.46.
• For Return on Networth / Equity (%), as of Mar 25, the value is 0.24. This value is below the healthy minimum of 15. It has decreased from 1.87 (Mar 24) to 0.24, marking a decrease of 1.63.
• For Return on Capital Employeed (%), as of Mar 25, the value is 14.47. This value is within the healthy range. It has increased from 13.54 (Mar 24) to 14.47, marking an increase of 0.93.
• For Return On Assets (%), as of Mar 25, the value is 0.08. This value is below the healthy minimum of 5. It has decreased from 0.64 (Mar 24) to 0.08, marking a decrease of 0.56.
• For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Total Debt / Equity (X), as of Mar 25, the value is 1.55. This value exceeds the healthy maximum of 1. It has increased from 1.42 (Mar 24) to 1.55, marking an increase of 0.13.
• For Asset Turnover Ratio (%), as of Mar 25, the value is 0.33. It has decreased from 0.37 (Mar 24) to 0.33, marking a decrease of 0.04.
• For Current Ratio (X), as of Mar 25, the value is 1.46. This value is below the healthy minimum of 1.5. It has decreased from 1.49 (Mar 24) to 1.46, marking a decrease of 0.03.
• For Quick Ratio (X), as of Mar 25, the value is 1.46. This value is within the healthy range. It has decreased from 1.49 (Mar 24) to 1.46, marking a decrease of 0.03.
• For Inventory Turnover Ratio (X), as of Mar 25, the value is 0.65. This value is below the healthy minimum of 4. It has decreased from 1.46 (Mar 24) to 0.65, marking a decrease of 0.81.
• For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 6.67 (Mar 24) to 0.00, marking a decrease of 6.67.
• For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 1.85 (Mar 24) to 0.00, marking a decrease of 1.85.
• For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 93.33 (Mar 24) to 0.00, marking a decrease of 93.33.
• For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 98.15 (Mar 24) to 0.00, marking a decrease of 98.15.
• For Interest Coverage Ratio (X), as of Mar 25, the value is 1.22. This value is below the healthy minimum of 3. It has increased from 1.21 (Mar 24) to 1.22, marking an increase of 0.01.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.90. This value is below the healthy minimum of 3. It has increased from 0.83 (Mar 24) to 0.90, marking an increase of 0.07.
• For Enterprise Value (Cr.), as of Mar 25, the value is 1,911.81. It has increased from 1,607.41 (Mar 24) to 1,911.81, marking an increase of 304.40.
• For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.11. This value exceeds the healthy maximum of 3. It has increased from 2.36 (Mar 24) to 3.11, marking an increase of 0.75.
• For EV / EBITDA (X), as of Mar 25, the value is 14.73. This value is within the healthy range. It has increased from 13.05 (Mar 24) to 14.73, marking an increase of 1.68.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.93. This value is within the healthy range. It has increased from 1.51 (Mar 24) to 1.93, marking an increase of 0.42.
• For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 93.32 (Mar 24) to 0.00, marking a decrease of 93.32.
• For Price / BV (X), as of Mar 25, the value is 1.89. This value is within the healthy range. It has increased from 1.65 (Mar 24) to 1.89, marking an increase of 0.24.
• For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.93. This value is within the healthy range. It has increased from 1.51 (Mar 24) to 1.93, marking an increase of 0.42.
• For EarningsYield, as of Mar 25, the value is 0.00. This value is below the healthy minimum of 5. It has decreased from 0.01 (Mar 24) to 0.00, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Fair Value

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Strength and Weakness