Share Price and Basic Stock Data
Last Updated: February 3, 2026, 3:37 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Capital India Finance Ltd operates as a Non-Banking Financial Company (NBFC) with a current market capitalization of ₹1,287 Cr and a share price of ₹32.9. The company has recorded a consistent growth trajectory in its sales, rising from ₹26 Cr in March 2018 to ₹655 Cr in March 2023. However, the TTM sales stand at ₹546 Cr, indicating a slight decline compared to the previous fiscal year. In the latest quarter ending September 2023, the sales stood at ₹176 Cr, reflecting a marginal increase from ₹175 Cr in June 2023. The fluctuations in quarterly sales suggest a seasonal or cyclical demand pattern, with the highest sales recorded in FY 2022 at ₹532 Cr. Despite a drop in sales to ₹612 Cr in FY 2025, the company remains focused on enhancing its revenue streams, which is crucial for sustaining growth in the competitive NBFC sector.
Profitability and Efficiency Metrics
Profitability for Capital India Finance has shown signs of volatility, highlighted by an operating profit margin (OPM) that fluctuated significantly across quarters, peaking at 23% in December 2024. The company reported an operating profit of ₹31 Cr in the same quarter, contrasting with a net profit of ₹35 Cr for the entire fiscal year ending March 2023. However, the net profit margin has been under pressure, with the latest report showing a net profit of ₹45 Cr for September 2025, following a series of losses in prior quarters. The return on equity (ROE) stands at 30%, while return on capital employed (ROCE) is recorded at 6.34%. The interest coverage ratio (ICR) of 1.22x indicates that the company has a modest ability to meet its interest obligations, which is a critical factor for assessing financial health and sustainability.
Balance Sheet Strength and Financial Ratios
Capital India Finance’s balance sheet exhibits a mixed picture. The total assets stood at ₹1,601 Cr as of September 2025, with borrowings amounting to ₹700 Cr. The reserves have shown a steady increase, currently at ₹594 Cr, which provides a cushion against volatility. The debt-to-equity ratio is reported at 1.55x, indicating a high level of leverage compared to typical sector ranges, which may pose risks in a rising interest rate environment. The price-to-book value (P/BV) ratio is recorded at 1.89x, suggesting that the stock is trading at a premium relative to its book value. Additionally, the cash conversion cycle (CCC) is reported at 7 days, reflecting efficient management of working capital, but the company has faced challenges in operational profitability, as evidenced by the operating profit margin dipping to negative levels in certain quarters.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Capital India Finance indicates a strong promoter holding of 72.84%, providing stability in governance. However, foreign institutional investment (FIIs) remains minimal at 0.08%, which could reflect cautious sentiment from external investors. The public holding has increased to 27.07%, with the number of shareholders rising significantly from 1,262 in December 2022 to 7,056 by September 2025. This increase in retail participation could indicate growing confidence among domestic investors. The company’s dividend payout ratio for FY 2025 is at 50.22%, signaling a commitment to returning value to shareholders, although the recent history has seen fluctuations in profitability that may affect future dividends. The reliance on a concentrated promoter base raises concerns about governance and potential liquidity issues in times of market stress.
Outlook, Risks, and Final Insight
Looking ahead, Capital India Finance faces both opportunities and challenges. The company’s strong reserve base could provide a buffer for future growth initiatives, particularly in expanding its lending portfolio. However, the high debt levels and fluctuating profitability metrics pose significant risks, especially if economic conditions deteriorate or interest rates rise further. The volatility in sales and profitability underscores the need for a robust risk management framework. Potential expansion into new markets or product offerings could enhance revenue streams, but this will require careful execution. Ultimately, while the company has shown resilience, its future performance will depend heavily on effective management of leverage, operational efficiency, and market conditions. Stakeholders should closely monitor these dynamics as they unfold.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.3 Cr. | 1.53 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.63 Cr. | 0.66 | 5.29/0.62 | 19.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 349 Cr. | 53.3 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 13.9 Cr. | 15.1 | 25.5/14.8 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.5 Cr. | 61.1 | 146/57.6 | 14.9 | 238 | 1.64 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 26,989.42 Cr | 390.01 | 52.44 | 514.98 | 0.24% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 169 | 162 | 160 | 175 | 176 | 165 | 167 | 158 | 143 | 153 | 139 | 123 | 131 |
| Interest | 19 | 21 | 22 | 26 | 26 | 25 | 25 | 26 | 17 | 28 | 28 | 20 | 20 |
| Expenses | 162 | 160 | 156 | 146 | 147 | 134 | 140 | 133 | 121 | 118 | 109 | 101 | 158 |
| Financing Profit | -11 | -19 | -18 | 3 | 3 | 6 | 3 | -0 | 5 | 7 | 3 | 2 | -47 |
| Financing Margin % | -7% | -12% | -11% | 2% | 2% | 4% | 2% | -0% | 4% | 4% | 2% | 2% | -36% |
| Other Income | 2 | 2 | 2 | 11 | 2 | 1 | 2 | 1 | 4 | 0 | 2 | 0 | 106 |
| Depreciation | 6 | 6 | 6 | 7 | 8 | 8 | 7 | 8 | 8 | 8 | 8 | 8 | 8 |
| Profit before tax | -16 | -24 | -23 | 7 | -3 | -1 | -2 | -8 | 2 | -1 | -3 | -6 | 51 |
| Tax % | 11% | -8% | 5% | 32% | 103% | 105% | 72% | -15% | 66% | 108% | -12% | 0% | 12% |
| Net Profit | -18 | -22 | -24 | 5 | -5 | -2 | -4 | -6 | 1 | -2 | -3 | -6 | 45 |
| EPS in Rs | -0.20 | -0.25 | -0.30 | 0.27 | 0.00 | 0.01 | 0.02 | -0.04 | 0.08 | 0.02 | -0.02 | -0.07 | 1.15 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 2, 2026, 5:46 pm
Below is a detailed analysis of the quarterly data for Capital India Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 20.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 20.00 Cr..
- For Expenses, as of Sep 2025, the value is 158.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 101.00 Cr. (Jun 2025) to 158.00 Cr., marking an increase of 57.00 Cr..
- For Other Income, as of Sep 2025, the value is 106.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Jun 2025) to 106.00 Cr., marking an increase of 106.00 Cr..
- For Depreciation, as of Sep 2025, the value is 8.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 8.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 51.00 Cr.. The value appears strong and on an upward trend. It has increased from -6.00 Cr. (Jun 2025) to 51.00 Cr., marking an increase of 57.00 Cr..
- For Tax %, as of Sep 2025, the value is 12.00%. The value appears to be increasing, which may not be favorable. It has increased from 0.00% (Jun 2025) to 12.00%, marking an increase of 12.00%.
- For Net Profit, as of Sep 2025, the value is 45.00 Cr.. The value appears strong and on an upward trend. It has increased from -6.00 Cr. (Jun 2025) to 45.00 Cr., marking an increase of 51.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.15. The value appears strong and on an upward trend. It has increased from -0.07 (Jun 2025) to 1.15, marking an increase of 1.22.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:01 am
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 26 | 60 | 179 | 318 | 532 | 655 | 680 | 612 | 546 |
| Expenses | 11 | 31 | 127 | 265 | 476 | 633 | 562 | 485 | 486 |
| Operating Profit | 15 | 28 | 53 | 54 | 56 | 22 | 118 | 127 | 60 |
| OPM % | 58% | 47% | 29% | 17% | 11% | 3% | 17% | 21% | 11% |
| Other Income | 0 | 0 | 0 | -0 | -2 | 1 | 18 | 6 | 109 |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 110 | 95 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 32 | 32 |
| Profit before tax | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -9 | 42 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | 15% | |
| Net Profit | 3 | 7 | 14 | 6 | -21 | -87 | -6 | -10 | 35 |
| EPS in Rs | 0.89 | 0.17 | 0.44 | 0.25 | -0.07 | -1.07 | 0.30 | 0.04 | 1.08 |
| Dividend Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% | 50% |
YoY Net Profit Growth
| Year | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 133.33% | 100.00% | -57.14% | -450.00% | -314.29% | 93.10% | -66.67% |
| Change in YoY Net Profit Growth (%) | 0.00% | -33.33% | -157.14% | -392.86% | 135.71% | 407.39% | -159.77% |
Capital India Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2018-2019 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 28% |
| 3 Years: | 5% |
| TTM: | -10% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | -38% |
| 3 Years: | 37% |
| TTM: | 178% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 25% |
| 5 Years: | 10% |
| 3 Years: | 15% |
| 1 Year: | 34% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -1% |
| 3 Years: | -2% |
| Last Year: | 0% |
Last Updated: September 5, 2025, 2:46 pm
Balance Sheet
Last Updated: February 1, 2026, 2:31 am
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 128 | 430 | 444 | 485 | 543 | 528 | 545 | 550 | 594 |
| Borrowing | 7 | 132 | 121 | 327 | 764 | 924 | 899 | 996 | 700 |
| Other Liabilities | 16 | 30 | 70 | 154 | 242 | 265 | 279 | 228 | 229 |
| Total Liabilities | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 | 1,601 |
| Fixed Assets | 8 | 31 | 47 | 56 | 78 | 81 | 94 | 90 | 83 |
| CWIP | 2 | 2 | 1 | 5 | 11 | 35 | 10 | 9 | 0 |
| Investments | 0 | 24 | 9 | 0 | 10 | 44 | 10 | 64 | 197 |
| Other Assets | 144 | 614 | 656 | 982 | 1,528 | 1,634 | 1,687 | 1,691 | 1,321 |
| Total Assets | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 | 1,601 |
Below is a detailed analysis of the balance sheet data for Capital India Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 78.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 78.00 Cr..
- For Reserves, as of Sep 2025, the value is 594.00 Cr.. The value appears strong and on an upward trend. It has increased from 550.00 Cr. (Mar 2025) to 594.00 Cr., marking an increase of 44.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 229.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 228.00 Cr. (Mar 2025) to 229.00 Cr., marking an increase of 1.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 1,601.00 Cr.. The value appears to be improving (decreasing). It has decreased from 1,853.00 Cr. (Mar 2025) to 1,601.00 Cr., marking a decrease of 252.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 83.00 Cr.. The value appears to be declining and may need further review. It has decreased from 90.00 Cr. (Mar 2025) to 83.00 Cr., marking a decrease of 7.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 9.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 9.00 Cr..
- For Investments, as of Sep 2025, the value is 197.00 Cr.. The value appears strong and on an upward trend. It has increased from 64.00 Cr. (Mar 2025) to 197.00 Cr., marking an increase of 133.00 Cr..
- For Other Assets, as of Sep 2025, the value is 1,321.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,691.00 Cr. (Mar 2025) to 1,321.00 Cr., marking a decrease of 370.00 Cr..
- For Total Assets, as of Sep 2025, the value is 1,601.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,853.00 Cr. (Mar 2025) to 1,601.00 Cr., marking a decrease of 252.00 Cr..
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
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 8.00 | -104.00 | -68.00 | -273.00 | -708.00 | -902.00 | -781.00 | -869.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Debtor Days | 4 | 0 | 1 | 8 | 6 | 10 | 4 | 7 |
| Inventory Days | ||||||||
| Days Payable | ||||||||
| Cash Conversion Cycle | 4 | 0 | 1 | 8 | 6 | 10 | 4 | 7 |
| Working Capital Days | 1,176 | -69 | -101 | -65 | -73 | -79 | -80 | -54 |
| ROCE % | 5% | 6% | 5% | 3% | -0% | 6% | 6% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 0.04 | 1.50 | -5.35 | -0.36 | 1.24 |
| Diluted EPS (Rs.) | 0.04 | 1.48 | -5.32 | -0.35 | 1.22 |
| Cash EPS (Rs.) | 0.55 | 3.05 | -6.78 | 0.05 | 2.67 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 16.14 | 80.10 | 84.43 | 89.27 | 76.74 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 16.14 | 80.10 | 84.43 | 89.27 | 76.74 |
| Revenue From Operations / Share (Rs.) | 15.79 | 87.49 | 83.58 | 68.17 | 74.55 |
| PBDIT / Share (Rs.) | 3.33 | 15.85 | 3.80 | 7.04 | 6.90 |
| PBIT / Share (Rs.) | 2.51 | 11.97 | 0.61 | 4.35 | 5.02 |
| PBT / Share (Rs.) | -0.22 | 0.16 | -9.75 | -2.23 | 1.90 |
| Net Profit / Share (Rs.) | -0.26 | -0.82 | -9.96 | -2.63 | 0.78 |
| NP After MI And SOA / Share (Rs.) | 0.03 | 1.50 | -5.35 | -0.35 | 1.24 |
| PBDIT Margin (%) | 21.11 | 18.11 | 4.55 | 10.32 | 9.25 |
| PBIT Margin (%) | 15.91 | 13.67 | 0.74 | 6.37 | 6.73 |
| PBT Margin (%) | -1.44 | 0.19 | -11.67 | -3.27 | 2.54 |
| Net Profit Margin (%) | -1.66 | -0.94 | -11.92 | -3.86 | 1.05 |
| NP After MI And SOA Margin (%) | 0.25 | 1.71 | -6.39 | -0.52 | 1.65 |
| Return on Networth / Equity (%) | 0.24 | 1.87 | -6.86 | -0.44 | 1.70 |
| Return on Capital Employeed (%) | 14.47 | 13.54 | 0.63 | 4.04 | 5.36 |
| Return On Assets (%) | 0.08 | 0.64 | -2.31 | -0.17 | 0.92 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.13 | 0.19 | 0.20 |
| Total Debt / Equity (X) | 1.55 | 1.42 | 1.48 | 1.17 | 0.51 |
| Asset Turnover Ratio (%) | 0.33 | 0.37 | 0.11 | 0.10 | 0.46 |
| Current Ratio (X) | 1.46 | 1.49 | 1.58 | 1.89 | 3.05 |
| Quick Ratio (X) | 1.46 | 1.49 | 1.58 | 1.89 | 3.04 |
| Inventory Turnover Ratio (X) | 590.24 | 1.46 | 0.00 | 0.00 | 4517.32 |
| Dividend Payout Ratio (NP) (%) | 50.22 | 6.67 | -1.86 | -28.07 | 8.09 |
| Dividend Payout Ratio (CP) (%) | 2.32 | 1.85 | -4.62 | 4.28 | 3.20 |
| Earning Retention Ratio (%) | 49.78 | 93.33 | 101.86 | 128.07 | 91.91 |
| Cash Earning Retention Ratio (%) | 97.68 | 98.15 | 104.62 | 95.72 | 96.80 |
| Interest Coverage Ratio (X) | 1.22 | 1.21 | 0.36 | 1.07 | 2.21 |
| Interest Coverage Ratio (Post Tax) (X) | 0.90 | 0.83 | 0.03 | 0.59 | 1.25 |
| Enterprise Value (Cr.) | 1911.81 | 1607.41 | 1335.02 | 1420.77 | 1220.36 |
| EV / Net Operating Revenue (X) | 3.11 | 2.36 | 2.05 | 2.68 | 2.11 |
| EV / EBITDA (X) | 14.73 | 13.05 | 45.14 | 25.97 | 22.74 |
| MarketCap / Net Operating Revenue (X) | 1.93 | 1.51 | 1.08 | 1.83 | 1.94 |
| Retention Ratios (%) | 49.77 | 93.32 | 101.86 | 128.07 | 91.90 |
| Price / BV (X) | 1.89 | 1.65 | 1.16 | 1.56 | 2.00 |
| Price / Net Operating Revenue (X) | 1.93 | 1.51 | 1.08 | 1.83 | 1.94 |
| EarningsYield | 0.00 | 0.01 | -0.05 | 0.00 | 0.01 |
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 590.24. This value exceeds the healthy maximum of 8. It has increased from 1.46 (Mar 24) to 590.24, marking an increase of 588.78.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 50.22. This value exceeds the healthy maximum of 50. It has increased from 6.67 (Mar 24) to 50.22, marking an increase of 43.55.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 2.32. This value is below the healthy minimum of 20. It has increased from 1.85 (Mar 24) to 2.32, marking an increase of 0.47.
- For Earning Retention Ratio (%), as of Mar 25, the value is 49.78. This value is within the healthy range. It has decreased from 93.33 (Mar 24) to 49.78, marking a decrease of 43.55.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 97.68. This value exceeds the healthy maximum of 70. It has decreased from 98.15 (Mar 24) to 97.68, marking a decrease of 0.47.
- 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 49.77. This value is within the healthy range. It has decreased from 93.32 (Mar 24) to 49.77, marking a decrease of 43.55.
- 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.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Capital India Finance Ltd:
- Net Profit Margin: -1.66%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 14.47% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0.24% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0.9
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.46
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 52.44)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.55
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -1.66%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 701, 7th Floor, Aggarwal Corporate Tower, Plot No. 23, District Centre, Rajendra Place, New Delhi Delhi 110008 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Vinod Somani | Non Exe.Chairman&Ind.Director |
| Mr. Keshav Porwal | Managing Director |
| Mr. Yogendra Pal Singh | Independent Director |
| Mr. Dalbir Singh Suhag | Independent Director |
| Ms. Rashmi Fauzdar | Independent Woman Director |
| Ms. Jyuthika Mahendra Jivani | Independent Woman Director |
FAQ
What is the intrinsic value of Capital India Finance Ltd?
Capital India Finance Ltd's intrinsic value (as of 03 February 2026) is ₹0.72 which is 97.75% lower the current market price of ₹32.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,252 Cr. market cap, FY2025-2026 high/low of ₹44.5/29.0, reserves of ₹594 Cr, and liabilities of ₹1,601 Cr.
What is the Market Cap of Capital India Finance Ltd?
The Market Cap of Capital India Finance Ltd is 1,252 Cr..
What is the current Stock Price of Capital India Finance Ltd as on 03 February 2026?
The current stock price of Capital India Finance Ltd as on 03 February 2026 is ₹32.0.
What is the High / Low of Capital India Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Capital India Finance Ltd stocks is ₹44.5/29.0.
What is the Stock P/E of Capital India Finance Ltd?
The Stock P/E of Capital India Finance Ltd is .
What is the Book Value of Capital India Finance Ltd?
The Book Value of Capital India Finance Ltd is 17.2.
What is the Dividend Yield of Capital India Finance Ltd?
The Dividend Yield of Capital India Finance Ltd is 0.06 %.
What is the ROCE of Capital India Finance Ltd?
The ROCE of Capital India Finance Ltd is 6.34 %.
What is the ROE of Capital India Finance Ltd?
The ROE of Capital India Finance Ltd is 0.30 %.
What is the Face Value of Capital India Finance Ltd?
The Face Value of Capital India Finance Ltd is 2.00.