Capital India Finance Ltd

Capital India Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capital India Finance Ltd

₹ 184 1.74%
22 Nov - close price
capitalindia.com BSE: 530879
About

Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]

Key Points

Business Overview:[1]
CIFL is an integrated financial services platform offering customized finance solutions. It provides loans against property to SME/MSME segments and offers corporate/structured finance loans. The company now focuses on the SME business class, expanding from its earlier focus on commercial real estate.

Website BSE
  • Market Cap ₹ 1,431 Cr.
  • Current Price ₹ 184
  • High / Low ₹ 278 / 97.6
  • Stock P/E 88.6
  • Book Value ₹ 79.1
  • Dividend Yield 0.05 %
  • ROCE 8.16 %
  • ROE 3.35 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 31.8% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 2.75% over last 3 years.
  • Dividend payout has been low at 5.23% of profits over last 3 years

* 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.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
31.37 30.46 37.43 38.40 41.39 41.69 40.09 49.82 55.94 45.51 45.60 51.90 52.90
13.96 15.23 19.16 16.12 17.79 18.26 17.96 20.96 27.77 22.37 20.23 29.55 30.03
Operating Profit 17.41 15.23 18.27 22.28 23.60 23.43 22.13 28.86 28.17 23.14 25.37 22.35 22.87
OPM % 55.50% 50.00% 48.81% 58.02% 57.02% 56.20% 55.20% 57.93% 50.36% 50.85% 55.64% 43.06% 43.23%
0.00 0.00 1.25 0.20 0.24 0.87 0.56 0.19 0.72 0.74 0.89 0.37 0.35
Interest 9.45 10.49 12.79 15.45 15.29 16.10 16.11 18.50 18.54 17.58 16.92 17.10 16.57
Depreciation 3.12 2.52 3.42 2.55 2.61 2.69 2.57 2.45 2.44 2.23 1.97 2.24 2.28
Profit before tax 4.84 2.22 3.31 4.48 5.94 5.51 4.01 8.10 7.91 4.07 7.37 3.38 4.37
Tax % 24.17% 28.38% 12.39% 27.68% 27.27% 17.97% 25.69% 24.69% 29.58% 25.55% 26.59% -33.73% 26.54%
3.67 1.60 2.89 3.24 4.32 4.51 2.98 6.09 5.57 3.03 5.41 4.51 3.21
EPS in Rs 0.47 0.21 0.37 0.42 0.56 0.58 0.38 0.78 0.72 0.39 0.70 0.58 0.41
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
1 2 4 8 9 26 56 105 93 123 162 192 196
0 0 0 0 0 10 24 43 36 55 70 87 102
Operating Profit 1 1 4 7 8 15 32 62 58 68 92 106 94
OPM % 97% 93% 95% 96% 96% 60% 57% 59% 62% 55% 57% 55% 48%
0 0 0 0 0 0 0 0 -0 -2 2 2 2
Interest 1 1 4 7 8 10 9 13 19 39 63 72 68
Depreciation 0 0 0 0 0 0 7 8 9 12 10 9 9
Profit before tax 0 0 0 0 0 5 16 41 29 15 20 27 19
Tax % 38% 14% 23% 40% 47% 37% 30% 26% 30% 22% 25% 27%
0 0 0 0 0 3 11 30 20 12 15 20 16
EPS in Rs 0.08 0.10 0.17 0.13 0.38 4.68 1.44 3.91 2.63 1.50 1.94 2.59 2.08
Dividend Payout % 0% 0% 0% 0% 0% 12% 28% 3% 4% 7% 5% 4%
Compounded Sales Growth
10 Years: 62%
5 Years: 28%
3 Years: 27%
TTM: 4%
Compounded Profit Growth
10 Years: 79%
5 Years: 12%
3 Years: -1%
TTM: -16%
Stock Price CAGR
10 Years: 39%
5 Years: 12%
3 Years: 14%
1 Year: 42%
Return on Equity
10 Years: 4%
5 Years: 4%
3 Years: 3%
Last Year: 3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 4 4 4 4 4 4 78 78 78 78 78 78 78
Reserves -0 -0 0 0 0 128 434 462 481 493 508 529 537
9 12 53 48 138 7 132 116 243 633 652 577 587
1 3 3 7 2 16 26 17 9 18 40 60 50
Total Liabilities 14 18 59 59 144 154 670 672 812 1,222 1,277 1,243 1,252
0 0 0 0 0 8 25 20 27 31 23 20 26
CWIP 0 0 0 0 0 2 1 0 2 0 0 1 1
Investments 3 3 3 3 0 15 45 112 152 166 211 176 214
11 15 56 56 144 129 598 540 632 1,025 1,043 1,046 1,012
Total Assets 14 18 59 59 144 154 670 672 812 1,222 1,277 1,243 1,252

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3 -3 -41 4 -39 -4 -444 99 -20 -284 101 148
0 0 0 0 3 -27 -38 -67 -56 -27 -67 8
2 3 41 -4 89 -6 490 -25 98 342 -43 -149
Net Cash Flow -0 0 0 -0 53 -37 8 8 21 31 -9 7

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 0 0 0 0 17 5 0 0 1 2 8 13
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 17 5 0 0 1 2 8 13
Working Capital Days 46 434 4,401 2,338 387 1,196 -52 -35 14 5 -25 -48
ROCE % 8% 10% 12% 13% 9% 11% 6% 8% 7% 6% 7% 8%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04% 73.04%
26.96% 26.96% 26.96% 26.95% 26.96% 26.96% 26.97% 26.96% 26.96% 26.97% 26.98% 26.97%
No. of Shareholders 1,1821,1851,1891,2111,2621,3241,3421,3421,3471,3391,4612,024

Documents

Announcements

Annual reports

Right Issue

Credit ratings

Concalls

  • Feb 2021
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    Notes
    PPT
  • Jun 2020
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  • Nov 2019
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  • Nov 2019
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    Notes
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  • Dec 2017
    Transcript
    Notes
    PPT