Capital Trust Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 16, 2025, 11:17 pm

Market Cap	158 Cr.
Current Price	91.7
High / Low	185/67.6
Stock P/E	97.7
Book Value	50.4
Dividend Yield	0.00 %
ROCE	8.16 %
ROE	2.86 %
Face Value	10.0
PEG Ratio	1.30

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Capital Trust Ltd

Competitors of Capital Trust Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	15.0 Cr.	1.50	1.91/0.65	167	1.08	0.00 %	0.59 %	0.47 %	1.00
Money Masters Leasing & Finance Ltd	18.0 Cr.	1.79	19.5/1.70	23.0	1.56	0.00 %	2.57 %	4.07 %	1.00
Moneyboxx Finance Ltd	781 Cr.	239	373/158	73.3	81.0	0.00 %	11.4 %	7.45 %	10.0
Moongipa Capital Finance Ltd	19.0 Cr.	20.7	41.0/17.7	9.79	8.69	0.00 %	34.9 %	31.6 %	10.0
Morarka Finance Ltd	50.0 Cr.	111	191/95.0	17.8	387	5.41 %	4.04 %	3.58 %	10.0
Industry Average	25,993.19 Cr	528.96		40.46	534.29	0.26%	19.41%	10.52%	8.49

All Competitor Stocks of Capital Trust Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	28.36	27.70	24.62	22.21	19.55	19.64	17.54	19.01	19.03	22.11	24.50	24.90	24.79
Expenses	20.66	16.10	15.00	14.04	19.68	77.45	14.99	16.87	16.37	17.83	19.58	19.63	19.65
Operating Profit	7.70	11.60	9.62	8.17	-0.13	-57.81	2.55	2.14	2.66	4.28	4.92	5.27	5.14
OPM %	27.15%	41.88%	39.07%	36.79%	-0.66%	-294.35%	14.54%	11.26%	13.98%	19.36%	20.08%	21.16%	20.73%
Other Income	0.80	0.07	0.12	0.18	0.26	0.35	0.19	0.56	0.78	0.36	0.24	0.21	0.41
Interest	7.08	9.19	6.99	5.50	4.84	4.29	1.99	1.91	2.60	3.72	4.10	5.09	5.22
Depreciation	0.14	0.15	0.13	0.11	0.11	0.11	0.10	0.10	0.11	0.11	0.08	0.08	0.11
Profit before tax	1.28	2.33	2.62	2.74	-4.82	-61.86	0.65	0.69	0.73	0.81	0.98	0.31	0.22
Tax %	27.34%	29.61%	27.86%	25.18%	-26.56%	-25.57%	24.62%	26.09%	24.66%	25.93%	25.51%	25.81%	72.73%
Net Profit	0.93	1.65	1.89	2.04	-3.54	-46.04	0.48	0.51	0.55	0.60	0.73	0.23	0.06
EPS in Rs	0.57	1.01	1.16	1.25	-2.16	-28.14	0.29	0.31	0.34	0.37	0.45	0.14	0.04

Last Updated: March 3, 2025, 5:06 pm

Below is a detailed analysis of the quarterly data for Capital Trust Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is 24.79 Cr.. The value appears to be declining and may need further review. It has decreased from 24.90 Cr. (Sep 2024) to 24.79 Cr., marking a decrease of 0.11 Cr..
For Expenses, as of Dec 2024, the value is 19.65 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 19.63 Cr. (Sep 2024) to 19.65 Cr., marking an increase of 0.02 Cr..
For Operating Profit, as of Dec 2024, the value is 5.14 Cr.. The value appears to be declining and may need further review. It has decreased from 5.27 Cr. (Sep 2024) to 5.14 Cr., marking a decrease of 0.13 Cr..
For OPM %, as of Dec 2024, the value is 20.73%. The value appears to be declining and may need further review. It has decreased from 21.16% (Sep 2024) to 20.73%, marking a decrease of 0.43%.
For Other Income, as of Dec 2024, the value is 0.41 Cr.. The value appears strong and on an upward trend. It has increased from 0.21 Cr. (Sep 2024) to 0.41 Cr., marking an increase of 0.20 Cr..
For Interest, as of Dec 2024, the value is 5.22 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5.09 Cr. (Sep 2024) to 5.22 Cr., marking an increase of 0.13 Cr..
For Depreciation, as of Dec 2024, the value is 0.11 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.08 Cr. (Sep 2024) to 0.11 Cr., marking an increase of 0.03 Cr..
For Profit before tax, as of Dec 2024, the value is 0.22 Cr.. The value appears to be declining and may need further review. It has decreased from 0.31 Cr. (Sep 2024) to 0.22 Cr., marking a decrease of 0.09 Cr..
For Tax %, as of Dec 2024, the value is 72.73%. The value appears to be increasing, which may not be favorable. It has increased from 25.81% (Sep 2024) to 72.73%, marking an increase of 46.92%.
For Net Profit, as of Dec 2024, the value is 0.06 Cr.. The value appears to be declining and may need further review. It has decreased from 0.23 Cr. (Sep 2024) to 0.06 Cr., marking a decrease of 0.17 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.04. The value appears to be declining and may need further review. It has decreased from 0.14 (Sep 2024) to 0.04, marking a decrease of 0.10.

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 4:38 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	9.03	17.75	40.09	55.42	118.54	173.45	186.48	146.83	112.19	105.04	86.28	77.88	96.30
Expenses	4.23	8.13	11.23	17.91	37.88	99.23	60.59	77.15	103.95	87.33	125.85	65.81	76.69
Operating Profit	4.80	9.62	28.86	37.51	80.66	74.22	125.89	69.68	8.24	17.71	-39.57	12.07	19.61
OPM %	53.16%	54.20%	71.99%	67.68%	68.04%	42.79%	67.51%	47.46%	7.34%	16.86%	-45.86%	15.50%	20.36%
Other Income	0.06	0.21	0.00	5.90	0.22	0.03	-36.57	0.75	0.65	0.87	0.63	1.68	1.22
Interest	3.25	6.81	14.15	12.18	25.59	61.81	76.51	61.03	38.61	32.26	21.93	10.45	18.13
Depreciation	0.07	0.07	0.11	0.21	0.39	0.44	0.93	0.89	0.58	0.50	0.46	0.42	0.38
Profit before tax	1.54	2.95	14.60	31.02	54.90	12.00	11.88	8.51	-30.30	-14.18	-61.33	2.88	2.32
Tax %	0.00%	38.31%	33.90%	34.75%	32.81%	48.08%	23.74%	93.65%	-21.55%	-23.62%	-25.58%	25.69%
Net Profit	1.54	1.82	9.65	20.25	36.89	6.23	9.06	0.53	-23.77	-10.82	-45.64	2.15	1.62
EPS in Rs	2.05	2.43	12.87	13.81	22.55	3.81	5.54	0.32	-14.53	-6.61	-27.89	1.31	1.00
Dividend Payout %	0.00%	14.55%	0.00%	10.87%	6.65%	13.13%	9.03%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	18.18%	430.22%	109.84%	82.17%	-83.11%	45.43%	-94.15%	-4584.91%	54.48%	-321.81%	104.71%
Change in YoY Net Profit Growth (%)	0.00%	412.04%	-320.38%	-27.67%	-165.28%	128.54%	-139.58%	-4490.76%	4639.39%	-376.29%	426.52%

Capital Trust Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	16%
5 Years:	-16%
3 Years:	-11%
TTM:	28%

Compounded Profit Growth
10 Years:	2%
5 Years:	-43%
3 Years:	28%
TTM:	104%

Stock Price CAGR
10 Years:	-9%
5 Years:	5%
3 Years:	-9%
1 Year:	-19%

Return on Equity
10 Years:	3%
5 Years:	-13%
3 Years:	-18%
Last Year:	3%

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 3:50 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	7.50	7.50	7.50	14.67	16.36	16.36	16.36	16.36	16.36	16.36	16.36	16.36	16.87
Reserves	1.88	3.39	11.47	146.23	203.07	206.35	138.11	137.72	113.82	103.68	58.18	60.34	68.93
Borrowings	19.22	55.20	82.14	67.78	308.92	533.33	482.91	284.52	278.69	207.93	95.92	80.08	110.12
Other Liabilities	1.29	3.46	22.77	12.84	32.25	45.66	18.98	18.95	18.25	25.75	17.71	22.58	21.19
Total Liabilities	29.89	69.55	123.88	241.52	560.60	801.70	656.36	457.55	427.12	353.72	188.17	179.36	217.11
Fixed Assets	0.47	0.61	0.87	1.13	1.38	1.74	4.36	4.09	2.15	1.72	1.30	1.37	2.01
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.14	0.19	0.19	0.19	0.00
Investments	0.00	0.00	0.00	0.15	19.29	49.91	49.92	87.64	90.69	42.80	0.05	0.55	2.58
Other Assets	29.42	68.94	123.01	240.24	539.93	750.05	602.08	365.82	334.14	309.01	186.63	177.25	212.52
Total Assets	29.89	69.55	123.88	241.52	560.60	801.70	656.36	457.55	427.12	353.72	188.17	179.36	217.11

Below is a detailed analysis of the balance sheet data for Capital Trust Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹16.87 Cr.. The value appears strong and on an upward trend. It has increased from 16.36 Cr. (Mar 2024) to ₹16.87 Cr., marking an increase of 0.51 Cr..
For Reserves, as of Sep 2024, the value is ₹68.93 Cr.. The value appears strong and on an upward trend. It has increased from 60.34 Cr. (Mar 2024) to ₹68.93 Cr., marking an increase of 8.59 Cr..
For Borrowings, as of Sep 2024, the value is ₹110.12 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 80.08 Cr. (Mar 2024) to ₹110.12 Cr., marking an increase of 30.04 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹21.19 Cr.. The value appears to be improving (decreasing). It has decreased from 22.58 Cr. (Mar 2024) to ₹21.19 Cr., marking a decrease of 1.39 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹217.11 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 179.36 Cr. (Mar 2024) to ₹217.11 Cr., marking an increase of 37.75 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹2.01 Cr.. The value appears strong and on an upward trend. It has increased from 1.37 Cr. (Mar 2024) to ₹2.01 Cr., marking an increase of 0.64 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.19 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 0.19 Cr..
For Investments, as of Sep 2024, the value is ₹2.58 Cr.. The value appears strong and on an upward trend. It has increased from 0.55 Cr. (Mar 2024) to ₹2.58 Cr., marking an increase of 2.03 Cr..
For Other Assets, as of Sep 2024, the value is ₹212.52 Cr.. The value appears strong and on an upward trend. It has increased from 177.25 Cr. (Mar 2024) to ₹212.52 Cr., marking an increase of 35.27 Cr..
For Total Assets, as of Sep 2024, the value is ₹217.11 Cr.. The value appears strong and on an upward trend. It has increased from 179.36 Cr. (Mar 2024) to ₹217.11 Cr., marking an increase of 37.75 Cr..

However, the Borrowings (110.12 Cr.) are higher than the Reserves (₹68.93 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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-9.36	-28.18	15.70	-20.18	-273.47	-191.97	44.13	239.45	8.31	15.88	74.25	20.13
Cash from Investing Activity +	0.01	-0.21	-0.39	-0.62	-50.40	-30.83	-0.27	-36.96	2.04	23.12	42.07	-1.01
Cash from Financing Activity +	9.56	28.86	9.25	72.59	260.24	221.45	-50.60	-201.58	-2.97	-49.41	-113.09	-15.03
Net Cash Flow	0.21	0.47	24.55	51.79	-63.63	-1.35	-6.74	0.91	7.39	-10.40	3.24	4.08

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-14.42	-45.58	-53.28	-30.27	-228.26	-459.11	-357.02	-214.84	-270.45	-190.22	-135.49	-68.01

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 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	21.42	16.04	26.13	23.51	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	21.42	16.04	26.13	23.51	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Working Capital Days	1,066.30	1,218.38	445.03	307.37	599.51	326.72	5.83	-7.48	-22.87	17.27	26.44	-7.12
ROCE %	22.36%	20.61%	34.39%	27.02%	21.55%	11.49%	18.03%	12.92%	1.89%	4.93%	-15.82%	8.16%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	64.86%	64.86%
FIIs	0.00%	0.00%	0.00%	17.27%	17.27%	17.27%	17.27%	17.27%	17.28%	17.27%	16.62%	16.61%
DIIs	17.27%	17.27%	17.27%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	14.91%	14.91%	14.90%	14.91%	14.91%	14.91%	14.90%	14.92%	14.89%	14.90%	17.68%	17.68%
Others	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.85%	0.85%
No. of Shareholders	8,151	8,427	8,319	8,477	8,781	8,613	8,881	9,268	9,496	9,209	10,868	10,542

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 22	Mar 21	Mar 20	Mar 19	Mar 18
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-6.38	-14.57	2.64	5.65	0.84
Diluted EPS (Rs.)	-6.38	-14.57	2.64	5.65	0.84
Cash EPS (Rs.)	-6.07	-14.21	3.19	6.23	1.11
Book Value[Excl.RevalReserv]/Share (Rs.)	74.31	80.60	95.24	93.17	133.74
Book Value[Incl.RevalReserv]/Share (Rs.)	74.31	80.60	95.24	93.17	133.74
Revenue From Operations / Share (Rs.)	64.74	70.17	95.17	118.70	108.74
PBDIT / Share (Rs.)	11.18	2.66	45.22	78.35	44.50
PBIT / Share (Rs.)	10.88	2.31	44.67	77.77	44.23
PBT / Share (Rs.)	-8.74	-18.11	8.40	8.00	4.60
Net Profit / Share (Rs.)	-6.38	-14.57	2.63	5.65	0.83
NP After MI And SOA / Share (Rs.)	-6.38	-14.57	2.63	5.65	0.83
PBDIT Margin (%)	17.27	3.79	47.51	66.00	40.92
PBIT Margin (%)	16.79	3.28	46.93	65.52	40.67
PBT Margin (%)	-13.49	-25.81	8.83	6.73	4.23
Net Profit Margin (%)	-9.85	-20.76	2.76	4.76	0.77
NP After MI And SOA Margin (%)	-9.85	-20.76	2.76	4.76	0.77
Return on Networth / Equity (%)	-8.58	-18.07	2.76	6.06	0.62
Return on Capital Employeed (%)	7.44	1.55	35.72	46.27	12.70
Return On Assets (%)	-2.92	-5.80	0.94	1.39	0.17
Long Term Debt / Equity (X)	0.90	0.76	0.29	0.78	1.52
Total Debt / Equity (X)	1.72	1.97	1.76	3.18	1.54
Asset Turnover Ratio (%)	0.25	0.24	0.26	0.24	0.23
Current Ratio (X)	2.65	2.21	1.68	1.61	1.92
Quick Ratio (X)	2.65	2.21	1.68	1.61	1.92
Dividend Payout Ratio (NP) (%)	0.00	-9.68	23.07	10.76	178.79
Dividend Payout Ratio (CP) (%)	0.00	-9.92	19.08	9.76	135.15
Earning Retention Ratio (%)	0.00	109.68	76.93	89.24	-78.79
Cash Earning Retention Ratio (%)	0.00	109.92	80.92	90.24	-35.15
Interest Coverage Ratio (X)	0.57	0.13	1.25	1.67	1.12
Interest Coverage Ratio (Post Tax) (X)	0.67	0.28	1.07	1.61	1.02
Enterprise Value (Cr.)	338.21	333.37	284.18	767.99	845.52
EV / Net Operating Revenue (X)	3.22	2.93	1.84	3.99	4.75
EV / EBITDA (X)	18.65	77.20	3.88	6.04	11.61
MarketCap / Net Operating Revenue (X)	1.79	1.37	0.49	1.87	3.08
Retention Ratios (%)	0.00	109.68	76.92	89.23	-78.79
Price / BV (X)	1.56	1.19	0.49	2.38	2.51
Price / Net Operating Revenue (X)	1.79	1.37	0.49	1.87	3.08
EarningsYield	-0.05	-0.15	0.05	0.02	0.00

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

For FaceValue, as of Mar 22, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 21) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 22, the value is -6.38. This value is below the healthy minimum of 5. It has increased from -14.57 (Mar 21) to -6.38, marking an increase of 8.19.
For Diluted EPS (Rs.), as of Mar 22, the value is -6.38. This value is below the healthy minimum of 5. It has increased from -14.57 (Mar 21) to -6.38, marking an increase of 8.19.
For Cash EPS (Rs.), as of Mar 22, the value is -6.07. This value is below the healthy minimum of 3. It has increased from -14.21 (Mar 21) to -6.07, marking an increase of 8.14.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 22, the value is 74.31. It has decreased from 80.60 (Mar 21) to 74.31, marking a decrease of 6.29.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 22, the value is 74.31. It has decreased from 80.60 (Mar 21) to 74.31, marking a decrease of 6.29.
For Revenue From Operations / Share (Rs.), as of Mar 22, the value is 64.74. It has decreased from 70.17 (Mar 21) to 64.74, marking a decrease of 5.43.
For PBDIT / Share (Rs.), as of Mar 22, the value is 11.18. This value is within the healthy range. It has increased from 2.66 (Mar 21) to 11.18, marking an increase of 8.52.
For PBIT / Share (Rs.), as of Mar 22, the value is 10.88. This value is within the healthy range. It has increased from 2.31 (Mar 21) to 10.88, marking an increase of 8.57.
For PBT / Share (Rs.), as of Mar 22, the value is -8.74. This value is below the healthy minimum of 0. It has increased from -18.11 (Mar 21) to -8.74, marking an increase of 9.37.
For Net Profit / Share (Rs.), as of Mar 22, the value is -6.38. This value is below the healthy minimum of 2. It has increased from -14.57 (Mar 21) to -6.38, marking an increase of 8.19.
For NP After MI And SOA / Share (Rs.), as of Mar 22, the value is -6.38. This value is below the healthy minimum of 2. It has increased from -14.57 (Mar 21) to -6.38, marking an increase of 8.19.
For PBDIT Margin (%), as of Mar 22, the value is 17.27. This value is within the healthy range. It has increased from 3.79 (Mar 21) to 17.27, marking an increase of 13.48.
For PBIT Margin (%), as of Mar 22, the value is 16.79. This value is within the healthy range. It has increased from 3.28 (Mar 21) to 16.79, marking an increase of 13.51.
For PBT Margin (%), as of Mar 22, the value is -13.49. This value is below the healthy minimum of 10. It has increased from -25.81 (Mar 21) to -13.49, marking an increase of 12.32.
For Net Profit Margin (%), as of Mar 22, the value is -9.85. This value is below the healthy minimum of 5. It has increased from -20.76 (Mar 21) to -9.85, marking an increase of 10.91.
For NP After MI And SOA Margin (%), as of Mar 22, the value is -9.85. This value is below the healthy minimum of 8. It has increased from -20.76 (Mar 21) to -9.85, marking an increase of 10.91.
For Return on Networth / Equity (%), as of Mar 22, the value is -8.58. This value is below the healthy minimum of 15. It has increased from -18.07 (Mar 21) to -8.58, marking an increase of 9.49.
For Return on Capital Employeed (%), as of Mar 22, the value is 7.44. This value is below the healthy minimum of 10. It has increased from 1.55 (Mar 21) to 7.44, marking an increase of 5.89.
For Return On Assets (%), as of Mar 22, the value is -2.92. This value is below the healthy minimum of 5. It has increased from -5.80 (Mar 21) to -2.92, marking an increase of 2.88.
For Long Term Debt / Equity (X), as of Mar 22, the value is 0.90. This value is within the healthy range. It has increased from 0.76 (Mar 21) to 0.90, marking an increase of 0.14.
For Total Debt / Equity (X), as of Mar 22, the value is 1.72. This value exceeds the healthy maximum of 1. It has decreased from 1.97 (Mar 21) to 1.72, marking a decrease of 0.25.
For Asset Turnover Ratio (%), as of Mar 22, the value is 0.25. It has increased from 0.24 (Mar 21) to 0.25, marking an increase of 0.01.
For Current Ratio (X), as of Mar 22, the value is 2.65. This value is within the healthy range. It has increased from 2.21 (Mar 21) to 2.65, marking an increase of 0.44.
For Quick Ratio (X), as of Mar 22, the value is 2.65. This value exceeds the healthy maximum of 2. It has increased from 2.21 (Mar 21) to 2.65, marking an increase of 0.44.
For Dividend Payout Ratio (NP) (%), as of Mar 22, the value is 0.00. This value is below the healthy minimum of 20. It has increased from -9.68 (Mar 21) to 0.00, marking an increase of 9.68.
For Dividend Payout Ratio (CP) (%), as of Mar 22, the value is 0.00. This value is below the healthy minimum of 20. It has increased from -9.92 (Mar 21) to 0.00, marking an increase of 9.92.
For Earning Retention Ratio (%), as of Mar 22, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 109.68 (Mar 21) to 0.00, marking a decrease of 109.68.
For Cash Earning Retention Ratio (%), as of Mar 22, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 109.92 (Mar 21) to 0.00, marking a decrease of 109.92.
For Interest Coverage Ratio (X), as of Mar 22, the value is 0.57. This value is below the healthy minimum of 3. It has increased from 0.13 (Mar 21) to 0.57, marking an increase of 0.44.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 22, the value is 0.67. This value is below the healthy minimum of 3. It has increased from 0.28 (Mar 21) to 0.67, marking an increase of 0.39.
For Enterprise Value (Cr.), as of Mar 22, the value is 338.21. It has increased from 333.37 (Mar 21) to 338.21, marking an increase of 4.84.
For EV / Net Operating Revenue (X), as of Mar 22, the value is 3.22. This value exceeds the healthy maximum of 3. It has increased from 2.93 (Mar 21) to 3.22, marking an increase of 0.29.
For EV / EBITDA (X), as of Mar 22, the value is 18.65. This value exceeds the healthy maximum of 15. It has decreased from 77.20 (Mar 21) to 18.65, marking a decrease of 58.55.
For MarketCap / Net Operating Revenue (X), as of Mar 22, the value is 1.79. This value is within the healthy range. It has increased from 1.37 (Mar 21) to 1.79, marking an increase of 0.42.
For Retention Ratios (%), as of Mar 22, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 109.68 (Mar 21) to 0.00, marking a decrease of 109.68.
For Price / BV (X), as of Mar 22, the value is 1.56. This value is within the healthy range. It has increased from 1.19 (Mar 21) to 1.56, marking an increase of 0.37.
For Price / Net Operating Revenue (X), as of Mar 22, the value is 1.79. This value is within the healthy range. It has increased from 1.37 (Mar 21) to 1.79, marking an increase of 0.42.
For EarningsYield, as of Mar 22, the value is -0.05. This value is below the healthy minimum of 5. It has increased from -0.15 (Mar 21) to -0.05, marking an increase of 0.10.

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Capital Trust Ltd as of April 17, 2025 is: 114.92

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 17, 2025, Capital Trust Ltd is Undervalued by 25.32% compared to the current share price 91.70

Intrinsic Value of Capital Trust Ltd as of April 17, 2025 is: 201.40

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 17, 2025, Capital Trust Ltd is Undervalued by 119.63% compared to the current share price 91.70

Last 5 Year EPS CAGR: 75.25%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The company has shown consistent growth in sales (94.25 cr) and profit (2.83 cr) over the years.	The stock has a low average ROCE of 13.96%, which may not be favorable. The stock has a high average Working Capital Days of 141.06, which may not be favorable. The stock has a high average Cash Conversion Cycle of 7.26, which may not be favorable. The company has higher borrowings (200.52) compared to reserves (96.40), which may suggest financial risk.

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 Trust Ltd:
1. Net Profit Margin: -9.85%
  - 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.
2. ROCE: 7.44% (Industry Average ROCE: 19.41%)
  - 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.
3. ROE%: -8.58% (Industry Average ROE: 10.31%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 0.67
  - 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.
5. Quick Ratio: 2.65
  - 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.
6. Stock P/E: 97.7 (Industry average Stock P/E: 32.53)
  - 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.
7. Total Debt / Equity: 1.72
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

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. 77.69 Cr. and Equity Capital is Rs. 16.22 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	205 Centrum Mall, M G Road, New Delhi Delhi 110030	info@capitaltrust.in https://www.capitaltrust.in

Management
Name	Position Held
Mr. Yogen Khosla	Chairman & Managing Director
Mr. Vahin Khosla	Executive Director
Ms. Suman Kukrety	Independent Woman Director
Mr. Govind Saboo	Independent Director
Mr. Pawan Dubey	Independent Director

FAQ

What is the intrinsic value of Capital Trust Ltd?

Capital Trust Ltd's intrinsic value (as of 17 April 2025) is ₹114.92 — 25.32% higher the current market price of 91.70, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 158 Cr. market cap, FY2025-2026 high/low of ₹185/67.6, reserves of 68.93 Cr, and liabilities of 217.11 Cr.

What is the Market Cap of Capital Trust Ltd?

The Market Cap of Capital Trust Ltd is 158 Cr..

What is the current Stock Price of Capital Trust Ltd as on 17 April 2025?

The current stock price of Capital Trust Ltd as on 17 April 2025 is 91.7.

What is the High / Low of Capital Trust Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Capital Trust Ltd stocks is ₹185/67.6.

What is the Stock P/E of Capital Trust Ltd?

The Stock P/E of Capital Trust Ltd is 97.7.

What is the Book Value of Capital Trust Ltd?

The Book Value of Capital Trust Ltd is 50.4.

What is the Dividend Yield of Capital Trust Ltd?

The Dividend Yield of Capital Trust Ltd is 0.00 %.

What is the ROCE of Capital Trust Ltd?

The ROCE of Capital Trust Ltd is 8.16 %.

What is the ROE of Capital Trust Ltd?

The ROE of Capital Trust Ltd is 2.86 %.

What is the Face Value of Capital Trust Ltd?

The Face Value of Capital Trust Ltd is 10.0.