TruCap Finance

₹65.3 2.7 | 4.4%

WEBSITE BSE:540268 NSE : TRU 10 May, 16:01

Market Cap ₹764 Cr.

Stock P/E 132.3

P/B 3.4

Current Price ₹65.3

Book Value ₹ 19.5

Face Value 2

52W High ₹87

Dividend Yield 0.02%

52W Low ₹ 40.1

Edit Ratio

TruCap Finance Research see more...

Overview Inc. Year: 1994Industry: Finance - Stock Broking

Dhanvarsha Finvest Ltd, a NBFC, engages in the financing enterprise in India. The employer offers secured and unsecured loans, along with loans in opposition to property, enterprise loans, commodities loans, private loans, medical loans, school fee loans, gold loans, and short time period loans. It additionally gives investment and advisory offerings. The employer turned into included in 1994 and is based totally in Mumbai, India. Dhanvarsha Finvest Ltd is a subsidiary Wilson Holdings Pvt Ltd.

TruCap Finance Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

TruCap Finance Quarterly Results

#(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	18	21	23	26	30	34	33	38	43	40
Other Income	0	0	0	0	0	0	0	0	0	9
Total Income	18	21	23	26	30	35	33	38	43	49
Total Expenditure	9	10	13	14	16	18	15	17	20	22
Operating Profit	9	11	10	12	15	16	18	21	23	27
Interest Expense	5	7	8	10	12	14	15	17	18	21
Depreciation	1	1	2	2	2	2	2	2	2	3
Profit Before Tax	3	2	0	1	0	0	1	1	3	3
Provision for Tax	1	-0	1	1	0	0	0	0	1	0
Profit After Tax	2	2	-0	-0	0	0	0	1	1	3
Adjustments	0	0	0	0	0	0	0	-0	-0	0
Profit After Adjustments	2	2	-0	-0	0	0	0	1	1	3
Adjusted Earnings Per Share	0.2	0.3	-0	-0	0	0	0	0.1	0.1	0.2

TruCap Finance Profit & Loss

#(Fig in Cr.)	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	19	19	30	76	123	154
Other Income	0	0	0	0	4	9
Total Income	19	19	30	76	127	163
Total Expenditure	12	12	22	40	66	74
Operating Profit	8	8	8	36	61	89
Interest Expense	5	2	4	24	51	71
Depreciation	0	0	1	5	8	9
Profit Before Tax	2	6	3	7	2	8
Provision for Tax	0	1	1	3	2	1
Profit After Tax	2	4	1	4	1	5
Adjustments	0	0	0	0	0	0
Profit After Adjustments	2	4	1	4	1	5
Adjusted Earnings Per Share	0.3	0.6	0.2	0.4	0.1	0.4

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	62%	86%	0%	0%
Operating Profit CAGR	69%	97%	0%	0%
PAT CAGR	-75%	-37%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	24%	-22%	40%	NA%
ROE Average	0%	2%	6%	6%
ROCE Average	10%	9%	11%	11%

TruCap Finance Balance Sheet

#(Fig in Cr.)	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	27	31	100	172	216
Minority's Interest	0	0	0	0	0
Borrowings	0	0	6	38	4
Current Liability	26	18	81	260	451
Other Liabilities & Provisions	-1	0	3	7	8
Total Liabilities	52	50	189	478	679
Loans	0	0	0	0	0
Investments	0	0	0	0	0
Fixed Assets	1	3	11	23	24
Other Loans	0	3	6	303	440
Other Non Current Assets	1	1	5	24	29
Current Assets	49	43	166	128	186
Total Assets	52	50	189	478	679

TruCap Finance Cash Flow

#(Fig in Cr.)	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	3	4	2	32	59
Cash Flow from Operating Activities	2	13	-80	-185	-151
Cash Flow from Investing Activities	2	-4	-34	-73	-66
Cash Flow from Financing Activities	-3	-11	145	284	197
Net Cash Inflow / Outflow	1	-2	31	26	-21
Closing Cash & Cash Equivalent	4	2	32	59	38

TruCap Finance Ratios

#	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0.32	0.6	0.17	0.45	0.05
CEPS(Rs)	0.34	0.67	0.34	0.98	0.72
DPS(Rs)	0.05	0.02	0.01	0.01	0.01
Book NAV/Share(Rs)	3.71	4.25	12.06	18.64	17.62
Net Profit Margin	11.21	21.25	4.39	5.26	0.51
Operating Margin	39.95	37.84	23.68	41.65	43.26
PBT Margin	12.75	29.01	9.4	9.49	2
ROA(%)	4.14	8.02	1.09	1.2	0.11
ROE(%)	8.53	15.12	2.15	3.09	0.34
ROCE(%)	14.61	14.63	6.17	9.87	9.53
Price/Earnings(x)	30.55	20.36	566.78	256.08	978.82
Price/Book(x)	2.61	2.88	8	6.16	3.02
Dividend Yield(%)	0.52	0.16	0.01	0.01	0.02
EV/Net Sales(x)	4.56	4.96	26.01	16.21	7.9
EV/Core EBITDA(x)	11.17	12.28	92.97	33.83	15.95
Interest Earned Growth(%)	0	0.39	55	155.77	62.55
Net Profit Growth	0	90.27	-67.96	206.29	-84.15
EPS Growth(%)	0	90.17	-71.71	163.67	-87.89
Interest Coverage(x) %	1.47	4.29	1.66	1.3	1.05

TruCap Finance Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	60.35	65.14	67	65.33	60.25	58.45	53.57	50.77	46.85	47.38
FII	4.11	2.83	3.43	1.93	8.44	8.44	8.57	8.13	8.43	9.7
DII	0.1	0.09	0.07	1.21	0.07	0.07	0	0	0	0
Public	35.44	31.94	29.49	31.53	31.23	33.04	37.85	41.1	44.73	42.92
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	4.69	5.79	7.16	7.07	7	6.79	6.23	5.9	5.48	5.54
FII	0.32	0.25	0.37	0.21	0.98	0.98	1	0.95	0.99	1.13
DII	0.01	0.01	0.01	0.13	0.01	0.01	0	0	0	0
Public	2.76	2.84	3.15	3.41	3.63	3.84	4.4	4.78	5.23	5.02
Others	0	0	0	0	0	0	0	0	0	0
Total	7.77	8.88	10.69	10.82	11.62	11.62	11.63	11.63	11.69	11.69

Pros

Company has reduced debt.

Cons

Promoter holding is low: 47.38%.
Company has a low return on equity of 2% over the last 3 years.
Stock is trading at 3.4 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.