Market Cap ₹972 Cr.
Stock P/E -1140.5
P/B 1.6
Current Price ₹125
Book Value ₹ 79.4
Face Value 10
52W High ₹164.7
Dividend Yield 0.08%
52W Low ₹ 86.9
Capital India Finance Ltd, a NBFC, engages within the lending and foreign exchange agencies in India. It affords small business finance, which incorporates secured loans, and device and deliver chain finance products; and retail finance comprising diverse loans, inclusive of home, domestic improvement, home extension, NRI home, and home loan balance transfer, as well as loans against assets. The business enterprise additionally operates RapiPay, a payment solutions; and RemitX that gives forex products and services, consisting of foreign places remittances, foreign currency prepaid journey card, foreign currency notes, and import and export of foreign currency notes. The enterprise became previously called Bhilwara Tex-Fin Ltd and changed its call to Capital India Finance Ltd in August 2017. Capital India Finance Ltd integrated in 1994 and is based totally in Mumbai, India. Capital India Finance Ltd is a subsidiary of Capital India Corp LLP.
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Price falls below X
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| #(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 128 | 145 | 153 | 159 | 169 | 162 | 160 | 175 | 175 | 166 |
| Other Income | 0 | 0 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 1 |
| Total Income | 128 | 145 | 154 | 161 | 171 | 164 | 161 | 176 | 177 | 167 |
| Total Expenditure | 113 | 140 | 134 | 155 | 160 | 158 | 154 | 146 | 146 | 133 |
| Operating Profit | 15 | 5 | 21 | 6 | 10 | 6 | 8 | 30 | 32 | 34 |
| Interest Expense | 12 | 13 | 16 | 19 | 19 | 21 | 22 | 26 | 26 | 28 |
| Depreciation | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 8 | 8 |
| Profit Before Tax | -2 | -13 | -2 | -19 | -15 | -21 | -21 | 7 | -3 | -1 |
| Provision for Tax | 1 | 2 | -1 | 1 | 2 | -2 | 1 | 2 | 3 | 1 |
| Profit After Tax | -4 | -16 | -0 | -20 | -16 | -19 | -22 | 5 | -5 | -2 |
| Adjustments | 4 | 9 | 2 | 7 | 8 | 10 | 10 | 6 | 5 | 3 |
| Profit After Adjustments | 1 | -7 | 2 | -12 | -8 | -10 | -12 | 10 | 0 | 0 |
| Adjusted Earnings Per Share | 0.1 | -0.9 | 0.3 | -1.6 | -1 | -1.2 | -1.5 | 1.3 | 0 | 0 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|
| Operating Revenue | 26 | 60 | 179 | 318 | 530 | 650 | 676 |
| Other Income | 0 | 0 | 0 | 0 | 2 | 7 | 6 |
| Total Income | 26 | 60 | 179 | 318 | 532 | 657 | 681 |
| Total Expenditure | 11 | 31 | 127 | 265 | 477 | 624 | 579 |
| Operating Profit | 15 | 28 | 53 | 54 | 55 | 33 | 104 |
| Interest Expense | 10 | 9 | 17 | 24 | 51 | 84 | 102 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 29 |
| Profit Before Tax | 4 | 11 | 24 | 15 | -18 | -85 | -18 |
| Provision for Tax | 2 | 5 | 10 | 9 | 3 | 2 | 7 |
| Profit After Tax | 3 | 7 | 14 | 6 | -21 | -87 | -24 |
| Adjustments | 0 | 0 | 3 | 4 | 18 | 45 | 24 |
| Profit After Adjustments | 3 | 7 | 17 | 10 | -3 | -42 | -2 |
| Adjusted Earnings Per Share | 5.7 | 0.8 | 2.2 | 1.2 | -0.4 | -5.3 | -0.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 23% | 54% | 90% | 0% |
| Operating Profit CAGR | -40% | -15% | 17% | 0% |
| PAT CAGR | 0% | NAN% | NAN% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 42% | 5% | -7% | 19% |
| ROE Average | -15% | -6% | -2% | 5% |
| ROCE Average | -0% | 3% | 4% | 5% |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|
| Shareholder's Funds | 132 | 508 | 521 | 563 | 621 | 606 |
| Minority's Interest | 0 | 0 | 5 | 34 | 73 | 51 |
| Borrowings | 7 | 6 | 40 | 122 | 122 | 81 |
| Current Liability | 15 | 159 | 153 | 325 | 810 | 1058 |
| Other Liabilities & Provisions | 3 | 4 | 2 | -6 | -7 | -11 |
| Total Liabilities | 156 | 676 | 721 | 1038 | 1619 | 1784 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 24 | 9 | 0 | 10 | 44 |
| Fixed Assets | 8 | 31 | 47 | 56 | 78 | 81 |
| Other Loans | 15 | 8 | 13 | 10 | 17 | 20 |
| Other Non Current Assets | 2 | 4 | 2 | 7 | 15 | 41 |
| Current Assets | 130 | 610 | 651 | 964 | 1501 | 1598 |
| Total Assets | 156 | 676 | 721 | 1038 | 1619 | 1784 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 53 | 22 | 29 | 68 | 142 | 198 |
| Cash Flow from Operating Activities | -5 | -453 | 30 | -69 | -313 | -21 |
| Cash Flow from Investing Activities | -21 | -29 | 5 | -87 | -110 | -19 |
| Cash Flow from Financing Activities | -6 | 490 | -17 | 231 | 480 | 80 |
| Net Cash Inflow / Outflow | -32 | 8 | 19 | 74 | 56 | 41 |
| Closing Cash & Cash Equivalent | 22 | 29 | 68 | 142 | 198 | 239 |
| # | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 5.72 | 0.84 | 2.22 | 1.24 | -0.36 | -5.35 |
| CEPS(Rs) | 6.6 | 1.82 | 3.27 | 2.67 | 0.03 | -8.02 |
| DPS(Rs) | 1 | 0.4 | 0.1 | 0.1 | 0.1 | 0.1 |
| Book NAV/Share(Rs) | 13.83 | 65.23 | 66.91 | 72.21 | 79.09 | 73.76 |
| Net Profit Margin | 10.71 | 10.93 | 7.73 | 1.91 | -3.91 | -13.4 |
| Operating Margin | 56.82 | 34.65 | 22.89 | 12.25 | 6.34 | -0.18 |
| PBT Margin | 17.03 | 18.8 | 13.58 | 4.63 | -3.32 | -13.15 |
| ROA(%) | 1.79 | 1.56 | 1.98 | 0.69 | -1.56 | -5.12 |
| ROE(%) | 41.36 | 2.53 | 2.7 | 1.13 | -3.52 | -14.66 |
| ROCE(%) | 10.67 | 5.3 | 6.4 | 5.19 | 3.04 | -0.08 |
| Price/Earnings(x) | 6.24 | 161.21 | 38.35 | 117.21 | 0 | 0 |
| Price/Book(x) | 2.58 | 2.07 | 1.27 | 2.01 | 1.58 | 1.23 |
| Dividend Yield(%) | 2.01 | 0.3 | 0.12 | 0.07 | 0.08 | 0.11 |
| EV/Net Sales(x) | -0.29 | 19.25 | 3.98 | 3.75 | 2.54 | 1.98 |
| EV/Core EBITDA(x) | -0.49 | 40.53 | 13.56 | 22.26 | 24.64 | 38.69 |
| Interest Earned Growth(%) | 0 | 128.6 | 201.05 | 77.62 | 66.42 | 22.61 |
| Net Profit Growth | 0 | 133.43 | 112.92 | -56.1 | -440.06 | -320.78 |
| EPS Growth(%) | 0 | -85.36 | 164.7 | -44.27 | -128.82 | -1401.8 |
| Interest Coverage(x) % | 1.43 | 2.19 | 2.46 | 1.61 | 0.66 | -0.01 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 73.04 | 73.04 | 73.04 | 73.04 | 73.04 | 73.04 | 73.04 | 73.04 | 73.04 | 73.04 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 | 26.96 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 5.68 | 5.68 | 5.68 | 5.68 | 5.68 | 5.68 | 5.68 | 5.68 | 5.68 | 5.68 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 7.77 | 7.77 | 7.77 | 7.77 | 7.77 | 7.77 | 7.77 | 7.77 | 7.77 | 7.77 |
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