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Capital India Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹0.62Overvalued by 97.06%vs CMP ₹21.10

P/E (15.0) × ROE (0.3%) × BV (₹17.20) × DY (0.09%)

Defaults: P/E=15

₹10.88Overvalued by 48.44%vs CMP ₹21.10
MoS: -93.9% (Negative)Confidence: 56/100 (Moderate)Models: 1 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹0.7225%Over (-96.6%)
Graham NumberEarnings₹19.5719%Fair (-7.3%)
DCFCash Flow₹16.4115%Over (-22.2%)
Net Asset ValueAssets₹17.1910%Over (-18.5%)
EV/EBITDAEnterprise₹9.8212%Over (-53.5%)
Earnings YieldEarnings₹9.9010%Over (-53.1%)
ROCE CapitalReturns₹7.6810%Over (-63.6%)
Consensus (7 models)₹10.88100%Overvalued
Key Drivers: ROE 0.3% is below cost of equity. | Wide model spread (₹1–₹20) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 15.6% · Defaults: P/E=15

*Investments are subject to market risks

Analyst Summary

Capital India Finance Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: CIFL | BSE: 530879, current market price is ₹21.10, market cap is 825 Cr.. At a glance, ROE is 0.30 %, ROCE is 6.34 %, book value is 17.2, dividend yield is 0.09 %. The latest intrinsic value estimate is ₹10.88, around 48.4% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹612 Cr versus the prior period change of -10.0%, while latest net profit is about ₹-10 Cr with a prior-period change of -66.7%. The 52-week range shown on this page is 44.5/20.4, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisCapital India Finance Ltd. is a Public Limited Listed company incorporated on 16/11/1994 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L…

This summary is generated from the stock page data available for Capital India Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

43
Capital India Finance Ltd scores 43/100 (Weak)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health37/100 · Weak
ROCE 6.3% WeakROE 0.3% WeakD/E 0.51 ModerateInterest Coverage 0.0x RiskyProfitable 1/5 years Inconsistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 72.6% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum50/100 · Moderate
Industry Rank30/100 · Weak
ROCE 6.3% vs industry 15.8% Below peersROE 0.3% vs industry 8.8% 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: April 2, 2026, 4:18 am

Market Cap 825 Cr.
Current Price 21.1
Intrinsic Value₹10.88
High / Low 44.5/20.4
Stock P/E
Book Value 17.2
Dividend Yield0.09 %
ROCE6.34 %
ROE0.30 %
Face Value 2.00
PEG Ratio0.00

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

View Share Price Target for Capital India Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Capital India Finance Ltd 825 Cr. 21.1 44.5/20.4 17.20.09 %6.34 %0.30 % 2.00
Finkurve Financial Services Ltd 789 Cr. 56.4 154/48.036.0 23.50.00 %11.4 %8.81 % 1.00
Aryaman Financial Services Ltd 751 Cr. 613 1,100/45022.5 1230.00 %31.9 %31.3 % 10.0
Crest Ventures Ltd 935 Cr. 329 450/29819.6 4440.30 %9.68 %7.70 % 10.0
Fedders Holding Ltd 691 Cr. 34.3 63.5/28.611.4 32.80.00 %7.37 %7.05 % 1.00
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Capital India Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue161.79159.74174.99176.11165.12167.38158.27142.82135.01139.33122.64131.79147.02
Interest 20.8522.0425.7426.2425.3024.7725.6216.5518.6527.6219.8219.7522.24
Expenses 160.15155.99146.23146.90133.99139.98132.94120.97110.34108.69100.82158.78124.16
Financing Profit-19.21-18.293.022.975.832.63-0.295.306.023.022.00-46.740.62
Financing Margin %-11.87%-11.45%1.73%1.69%3.53%1.57%-0.18%3.71%4.46%2.17%1.63%-35.47%0.42%
Other Income 1.981.6911.472.470.662.420.704.231.032.000.48105.921.06
Depreciation 6.436.157.317.967.647.267.927.778.037.948.118.127.66
Profit before tax -23.66-22.757.18-2.52-1.15-2.21-7.511.76-0.98-2.92-5.6351.06-5.98
Tax % -8.37%5.23%32.45%102.78%105.22%71.95%-15.45%65.91%94.90%-11.99%0.18%12.50%-13.04%
Net Profit -21.68-23.944.85-5.11-2.37-3.80-6.350.60-1.91-2.56-5.6444.69-5.19
EPS in Rs -0.25-0.300.270.000.010.02-0.040.080.02-0.02-0.071.15-0.07
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

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2660179318532655680612541
Interest 1091724518410511089
Expenses 1131127265476633562485492
Financing Profit51936295-621317-41
Financing Margin %19%32%20%9%1%-9%2%3%-8%
Other Income 000-0-21186109
Depreciation 0812152125303232
Profit before tax 4112415-18-851-937
Tax % 37%42%43%59%18%2%599%15%
Net Profit 37146-21-87-6-1031
EPS in Rs 0.890.170.440.25-0.07-1.070.300.040.99
Dividend Payout % 13%48%5%8%-28%-2%7%50%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 47878787878787878
Reserves 128430444485543528545550594
Borrowing7132121327764924899996700
Other Liabilities 163070154242265279228229
Total Liabilities 1546707131,0441,6261,7951,8011,8531,601
Fixed Assets 83147567881949083
CWIP 221511351090
Investments 0249010441064197
Other Assets 1446146569821,5281,6341,6871,6911,321
Total Assets 1546707131,0441,6261,7951,8011,8531,601

Reserves and Borrowings Chart

Cash Flow

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -5-45330-69-313-2312113
Cash from Investing Activity + -21-2925-87-110-161-61
Cash from Financing Activity + -6490-1723148080-124-27
Net Cash Flow -32838745641-2-75
Free Cash Flow -16-46325-81-347-74993
CFO/OP -15%-1,584%81%-106%-540%-80%102%10%

Free Cash Flow

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow4.00-101.006.00-62.00-288.00-291.00-337.00-511.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 401861047
Inventory Days
Days Payable
Cash Conversion Cycle 401861047
Working Capital Days 1,176-69-101-65-73-79-80-54
ROCE %5%6%5%3%-0%6%6%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 73.04%73.04%73.04%73.04%73.04%73.04%73.04%73.02%72.95%72.87%72.84%72.59%
FIIs 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.13%0.28%0.08%0.06%
Public 26.96%26.97%26.96%26.96%26.97%26.98%26.97%26.99%26.93%26.85%27.07%27.34%
No. of Shareholders 1,3241,3421,3421,3471,3391,4612,0242,6193,7405,0957,0567,434

Shareholding Pattern Chart

No. of Shareholders

Capital India Finance 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

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.0010.0010.0010.0010.00
Basic EPS (Rs.) 0.041.50-5.35-0.361.24
Diluted EPS (Rs.) 0.041.48-5.32-0.351.22
Cash EPS (Rs.) 0.553.05-6.780.052.67
Book Value[Excl.RevalReserv]/Share (Rs.) 16.1480.1084.4389.2776.74
Book Value[Incl.RevalReserv]/Share (Rs.) 16.1480.1084.4389.2776.74
Revenue From Operations / Share (Rs.) 15.7987.4983.5868.1774.55
PBDIT / Share (Rs.) 3.3315.853.807.046.90
PBIT / Share (Rs.) 2.5111.970.614.355.02
PBT / Share (Rs.) -0.220.16-9.75-2.231.90
Net Profit / Share (Rs.) -0.26-0.82-9.96-2.630.78
NP After MI And SOA / Share (Rs.) 0.031.50-5.35-0.351.24
PBDIT Margin (%) 21.1118.114.5510.329.25
PBIT Margin (%) 15.9113.670.746.376.73
PBT Margin (%) -1.440.19-11.67-3.272.54
Net Profit Margin (%) -1.66-0.94-11.92-3.861.05
NP After MI And SOA Margin (%) 0.251.71-6.39-0.521.65
Return on Networth / Equity (%) 0.241.87-6.86-0.441.70
Return on Capital Employeed (%) 14.4713.540.634.045.36
Return On Assets (%) 0.080.64-2.31-0.170.92
Long Term Debt / Equity (X) 0.000.000.130.190.20
Total Debt / Equity (X) 1.551.421.481.170.51
Asset Turnover Ratio (%) 0.330.370.110.100.46
Current Ratio (X) 1.461.491.581.893.05
Quick Ratio (X) 1.461.491.581.893.04
Inventory Turnover Ratio (X) 590.241.460.000.004517.32
Dividend Payout Ratio (NP) (%) 50.226.67-1.86-28.078.09
Dividend Payout Ratio (CP) (%) 2.321.85-4.624.283.20
Earning Retention Ratio (%) 49.7893.33101.86128.0791.91
Cash Earning Retention Ratio (%) 97.6898.15104.6295.7296.80
Interest Coverage Ratio (X) 1.221.210.361.072.21
Interest Coverage Ratio (Post Tax) (X) 0.900.830.030.591.25
Enterprise Value (Cr.) 1911.811607.411335.021420.771220.36
EV / Net Operating Revenue (X) 3.112.362.052.682.11
EV / EBITDA (X) 14.7313.0545.1425.9722.74
MarketCap / Net Operating Revenue (X) 1.931.511.081.831.94
Retention Ratios (%) 49.7793.32101.86128.0791.90
Price / BV (X) 1.891.651.161.562.00
Price / Net Operating Revenue (X) 1.931.511.081.831.94
EarningsYield 0.000.01-0.050.000.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Capital India Finance Ltd. is a Public Limited Listed company incorporated on 16/11/1994 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L74899DL1994PLC128577 and registration number is 28577. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 183.22 Cr. and Equity Capital is Rs. 77.83 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)701, 7th Floor, Aggarwal Corporate Tower, Plot No. 23, District Centre, Rajendra Place, New Delhi Delhi 110008Contact not found
Management
NamePosition Held
Mr. Vinod SomaniNon Exe.Chairman&Ind.Director
Mr. Keshav PorwalManaging Director
Mr. Yogendra Pal SinghIndependent Director
Mr. Dalbir Singh SuhagIndependent Director
Ms. Rashmi FauzdarIndependent Woman Director
Ms. Jyuthika Mahendra JivaniIndependent Woman Director

FAQ

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

As of 25 April 2026, Capital India Finance Ltd's intrinsic value is ₹10.88, which is 48.44% lower than the current market price of ₹21.10, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (0.30 %), book value (₹17.2), dividend yield (0.09 %), and 5-year EPS CAGR.

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

Capital India Finance Ltd is trading at ₹21.10 as of 25 April 2026, with a FY2026-2027 high of ₹44.5 and low of ₹20.4. The stock is currently near its 52-week low. Market cap stands at ₹825 Cr..

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

Capital India Finance Ltd has a P/E ratio of , which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is Capital India Finance Ltd financially healthy?

Key indicators for Capital India Finance Ltd: ROCE of 6.34 % is on the lower side compared to the industry average of 15.81%; ROE of 0.30 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.09 %.

Is Capital India Finance Ltd profitable and how is the profit trend?

Capital India Finance Ltd reported a net profit of ₹-10 Cr in Mar 2025 on revenue of ₹612 Cr. Compared to ₹-21 Cr in Mar 2022, the net profit shows a mixed trend.

Does Capital India Finance Ltd pay dividends?

Capital India Finance Ltd has a dividend yield of 0.09 % at the current price of ₹21.10. The company pays dividends, though the yield is modest.

Last Updated: April 2, 2026, 4:18 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 530879 | NSE: CIFL
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Capital India Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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