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Last Updated: April 2, 2026, 2:44 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 511505 | NSE: CAPTRUST

Capital Trust Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹2.95Overvalued by 74.35%vs CMP ₹11.50

P/E (15.0) × ROE (1.4%) × BV (₹17.60) × DY (2.00%)

Defaults: P/E=15

₹7.32Overvalued by 36.35%vs CMP ₹11.50
MoS: -57.1% (Negative)Confidence: 45/100 (Moderate)Models: 2 Under, 4 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹2.1527%Over (-81.3%)
Graham NumberEarnings₹9.7520%Over (-15.2%)
DCFCash Flow₹2.8920%Over (-74.9%)
Net Asset ValueAssets₹17.6011%Under (+53%)
Earnings YieldEarnings₹2.4011%Over (-79.1%)
ROCE CapitalReturns₹18.6311%Under (+62%)
Consensus (6 models)₹7.32100%Overvalued
Key Drivers: EPS CAGR -27.3% drags value — could be higher if earnings stabilize. | ROE 1.4% 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: -27.3% · Defaults: P/E=15

*Investments are subject to market risks

Investment Snapshot

44
Capital Trust Ltd scores 44/100 (Weak)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health49/100 · Moderate
ROCE 12.2% GoodROE 1.4% WeakD/E 1.54 High debtInterest Coverage 0.0x RiskyProfitable 2/5 years Inconsistent
Smart Money30/100 · Weak
FII holding down -8.31% (6mo) SellingPromoter holding at 54.1% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum40/100 · Moderate
Profit (4Q): -967% YoY Declining
Industry Rank40/100 · Moderate
ROCE 12.2% vs industry 15.8% AverageROE 1.4% 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, 2:44 am

Market Cap 39.2 Cr.
Current Price 11.5
Intrinsic Value₹7.32
High / Low 69.5/10.8
Stock P/E
Book Value 17.6
Dividend Yield0.00 %
ROCE12.2 %
ROE1.37 %
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for Capital Trust Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 15.2 Cr. 1.52 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 5.72 Cr. 0.57 2.05/0.558.54 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 435 Cr. 62.3 123/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 12.4 Cr. 13.5 24.7/12.010.2 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 20.9 Cr. 46.4 138/42.111.3 2382.16 %2.46 %2.17 % 10.0
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Capital Trust Ltd

Quarterly Result

MetricSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Revenue2220201819192224252521129
Interest 6542234455543
Expenses 14207715171618202020162028
Financing Profit3-5-62100110-0-0-11-23
Financing Margin %12%-25%-316%3%1%0%3%3%1%-0%-0%-91%-269%
Other Income 0000110000000
Depreciation 0000000000000
Profit before tax 3-5-6211111000-11-23
Tax % 25%-27%-26%25%26%25%26%26%26%73%27%-25%-23%
Net Profit 2-4-4601111000-8-18
EPS in Rs 0.46-0.80-10.370.110.110.120.140.160.050.010.02-1.80-3.88
Gross NPA %
Net NPA %

Last Updated: February 6, 2026, 10:16 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 23, 2026, 5:16 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue18405511917318614711210586789553
Interest 7141226627761393222101915
Expenses 811183899617710487126667474
Financing Profit315255512499-30-15-6221-36
Financing Margin %16%37%46%46%7%26%6%-27%-14%-71%2%1%-69%
Other Income 00600-371111210
Depreciation 0000011100000
Profit before tax 315315512129-30-14-6132-36
Tax % 38%34%35%33%48%24%94%-22%-24%-26%26%31%
Net Profit 2102037691-24-11-4621-29
EPS in Rs 0.894.735.098.311.402.040.12-5.35-2.44-10.280.480.24-6.37
Dividend Payout % 15%0%11%7%13%9%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)400.00%100.00%85.00%-83.78%50.00%-88.89%-2500.00%54.17%-318.18%104.35%-50.00%
Change in YoY Net Profit Growth (%)0.00%-300.00%-15.00%-168.78%133.78%-138.89%-2411.11%2554.17%-372.35%422.53%-154.35%

Capital Trust 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:9%
5 Years:-8%
3 Years:-3%
TTM:-2%
Compounded Profit Growth
10 Years:-19%
5 Years:16%
3 Years:28%
TTM:-432%
Stock Price CAGR
10 Years:-13%
5 Years:-8%
3 Years:-24%
1 Year:-72%
Return on Equity
10 Years:2%
5 Years:-15%
3 Years:-17%
Last Year:1%

Last Updated: September 5, 2025, 1:30 am

Balance Sheet

Last Updated: February 1, 2026, 12:30 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 881516161616161616161717
Reserves 31114620320613813811410458606943
Borrowing558268309533483285279208968010280
Other Liabilities 323133246191918261823168
Total Liabilities 70124242561802656458427354188179204148
Fixed Assets 1111244221122
CWIP 0000000000000
Investments 00019505088914301113
Other Assets 69123240540750602366334309187177191143
Total Assets 70124242561802656458427354188179204148

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -2816-20-273-192442398167420-19
Cash from Investing Activity + -0-0-1-50-31-0-3722342-1-11
Cash from Financing Activity + 29973260221-51-202-3-49-113-1529
Net Cash Flow 02552-64-1-717-1034-0
Free Cash Flow -2815-21-274-193432398167420-20
CFO/OP -293%54%-25%-328%-233%40%345%104%108%-188%167%-93%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-47.00-71.00-50.00-271.00-434.00-422.00-208.00-175.00-121.0030.00-14.00-28.00

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 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 16.0426.1323.510.000.000.000.000.000.000.000.000.00
Inventory Days
Days Payable
Cash Conversion Cycle 16.0426.1323.510.000.000.000.000.000.000.000.000.00
Working Capital Days 150.11-203.67231.04584.33316.24-1.92-107.09-22.8717.2726.44-7.12105.33
ROCE %20.61%34.39%26.20%21.26%11.49%18.03%12.92%1.89%4.93%-15.82%8.16%12.24%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 66.95%66.95%66.95%66.95%66.95%66.95%64.86%64.86%64.68%54.12%54.12%54.13%
FIIs 17.27%17.27%17.27%17.27%17.28%17.27%16.62%16.61%16.61%16.66%16.61%8.30%
Public 14.91%14.91%14.90%14.92%14.89%14.90%17.68%17.68%17.87%28.38%28.41%37.14%
Others 0.88%0.88%0.88%0.88%0.88%0.88%0.85%0.85%0.85%0.85%0.85%0.42%
No. of Shareholders 8,7818,6138,8819,2689,4969,20910,86810,54210,93411,75511,97013,148

Shareholding Pattern Chart

No. of Shareholders

Capital Trust 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 22Mar 21Mar 20Mar 19Mar 18
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) -6.38-14.572.645.650.84
Diluted EPS (Rs.) -6.38-14.572.645.650.84
Cash EPS (Rs.) -6.07-14.213.196.231.11
Book Value[Excl.RevalReserv]/Share (Rs.) 74.3180.6095.2493.17133.74
Book Value[Incl.RevalReserv]/Share (Rs.) 74.3180.6095.2493.17133.74
Revenue From Operations / Share (Rs.) 64.7470.1795.17118.70108.74
PBDIT / Share (Rs.) 11.182.6645.2278.3544.50
PBIT / Share (Rs.) 10.882.3144.6777.7744.23
PBT / Share (Rs.) -8.74-18.118.408.004.60
Net Profit / Share (Rs.) -6.38-14.572.635.650.83
NP After MI And SOA / Share (Rs.) -6.38-14.572.635.650.83
PBDIT Margin (%) 17.273.7947.5166.0040.92
PBIT Margin (%) 16.793.2846.9365.5240.67
PBT Margin (%) -13.49-25.818.836.734.23
Net Profit Margin (%) -9.85-20.762.764.760.77
NP After MI And SOA Margin (%) -9.85-20.762.764.760.77
Return on Networth / Equity (%) -8.58-18.072.766.060.62
Return on Capital Employeed (%) 7.441.5535.7246.2712.70
Return On Assets (%) -2.92-5.800.941.390.17
Long Term Debt / Equity (X) 0.900.760.290.781.52
Total Debt / Equity (X) 1.721.971.763.181.54
Asset Turnover Ratio (%) 0.250.240.260.240.23
Current Ratio (X) 2.652.211.681.611.92
Quick Ratio (X) 2.652.211.681.611.92
Dividend Payout Ratio (NP) (%) 0.00-9.6823.0710.76178.79
Dividend Payout Ratio (CP) (%) 0.00-9.9219.089.76135.15
Earning Retention Ratio (%) 0.00109.6876.9389.24-78.79
Cash Earning Retention Ratio (%) 0.00109.9280.9290.24-35.15
Interest Coverage Ratio (X) 0.570.131.251.671.12
Interest Coverage Ratio (Post Tax) (X) 0.670.281.071.611.02
Enterprise Value (Cr.) 338.21333.37284.18767.99845.52
EV / Net Operating Revenue (X) 3.222.931.843.994.75
EV / EBITDA (X) 18.6577.203.886.0411.61
MarketCap / Net Operating Revenue (X) 1.791.370.491.873.08
Retention Ratios (%) 0.00109.6876.9289.23-78.79
Price / BV (X) 1.561.190.492.382.51
Price / Net Operating Revenue (X) 1.791.370.491.873.08
EarningsYield -0.05-0.150.050.020.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Capital Trust Ltd. is a Public Limited Listed company incorporated on 23/08/1985 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65923DL1985PLC195299 and registration number is 195299. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 94.75 Cr. and Equity Capital is Rs. 16.87 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)205 Centrum Mall, M G Road, New Delhi Delhi 110030Contact not found
Management
NamePosition Held
Mr. Yogen KhoslaChairman & Managing Director
Ms. Suman KukretyIndependent Woman Director
Mr. Govind SabooIndependent Director
Mr. Pawan DubeyIndependent Director
Mr. Sanjiv SyalIndependent Director
Mr. Vahin KhoslaExecutive Director

FAQ

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

As of 09 April 2026, Capital Trust Ltd's intrinsic value is ₹7.32, which is 36.35% lower than the current market price of ₹11.50, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (1.37 %), book value (₹17.6), dividend yield (0.00 %), and 5-year EPS CAGR.

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

Capital Trust Ltd is trading at ₹11.50 as of 09 April 2026, with a FY2026-2027 high of ₹69.5 and low of ₹10.8. The stock is currently near its 52-week low. Market cap stands at ₹39.2 Cr..

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

Capital Trust 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 Trust Ltd financially healthy?

Key indicators for Capital Trust Ltd: ROCE of 12.2 % is moderate; ROE of 1.37 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.00 %.

Is Capital Trust Ltd profitable and how is the profit trend?

Capital Trust Ltd reported a net profit of ₹1 Cr in Mar 2025 on revenue of ₹95 Cr. Compared to ₹-11 Cr in Mar 2022, the net profit shows an improving trend.

Does Capital Trust Ltd pay dividends?

Capital Trust Ltd has a dividend yield of 0.00 % at the current price of ₹11.50. The company is currently not paying meaningful dividends.

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 Trust 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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