Capital Trade Links Ltd

₹ 40.6 -0.56%

12 Mar 10:04 a.m.

About

Incorporated in 1984, the company is principally engaged in the business of advancing loans and financing. The Company offers credit facilities to individuals and business clients in low & medium range offering various products and services which includes personal loan and secured loan. The company has its presence majorly in North India. ^[1]

Key Points

History
CTL Ltd, an NBFC registered with RBI, started working in 1984 and got listed at BSE in 2014. In 2017, the company became a Mutual Funds Distributor through AMFI and also started Financing Vehicle loans (E - Rickshaw), Personal loans. ^[1]

Website BSE

Market Cap ₹ 261 Cr.
Current Price ₹ 40.6
High / Low ₹ 65.6 / 32.5
Stock P/E 40.7
Book Value ₹ 11.0
Dividend Yield 0.00 %
ROCE 15.0 %
ROE 20.7 %
Face Value ₹ 1.00

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Pros

Company has delivered good profit growth of 42.9% CAGR over last 5 years

Cons

Stock is trading at 3.72 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
Promoter holding is low: 38.2%
Company has a low return on equity of 13.4% 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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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	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
	2.13	3.47	2.99	3.72	4.77	5.32	7.08	8.94	11.88	7.48	6.48	5.55	6.43
	1.78	0.37	2.03	1.99	1.94	2.34	2.26	4.35	5.90	3.38	2.40	2.43	1.45
Operating Profit	0.35	3.10	0.96	1.73	2.83	2.98	4.82	4.59	5.98	4.10	4.08	3.12	4.98
OPM %	16.43%	89.34%	32.11%	46.51%	59.33%	56.02%	68.08%	51.34%	50.34%	54.81%	62.96%	56.22%	77.45%
	-0.00	0.01	-0.00	-0.00	0.02	0.01	-0.00	0.43	6.41	1.72	2.65	0.52	0.04
Interest	0.17	0.72	0.30	0.56	1.55	2.35	2.87	3.12	5.22	3.54	2.88	3.20	2.07
Depreciation	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Profit before tax	0.17	2.38	0.65	1.16	1.29	0.63	1.94	1.89	7.16	2.27	3.84	0.43	2.94
Tax %	23.53%	15.97%	35.38%	28.45%	43.41%	17.46%	30.93%	30.16%	21.65%	37.44%	30.73%	69.77%	24.15%
	0.13	2.00	0.43	0.83	0.73	0.51	1.35	1.32	5.61	1.42	2.66	0.12	2.22
EPS in Rs	0.02	0.33	0.07	0.14	0.12	0.08	0.22	0.22	0.92	0.23	0.44	0.02	0.34
Raw PDF

Profit & Loss

Figures in Rs. Crores

	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
	2.56	4.33	1.84	1.38	9.22	3.84	4.74	4.80	5.27	9.71	16.84	36.00	25.94
	2.52	4.18	1.24	17.56	7.67	2.40	2.08	3.04	2.66	4.99	8.30	15.88	9.66
Operating Profit	0.04	0.15	0.60	-16.18	1.55	1.44	2.66	1.76	2.61	4.72	8.54	20.12	16.28
OPM %	1.56%	3.46%	32.61%	-1,172.46%	16.81%	37.50%	56.12%	36.67%	49.53%	48.61%	50.71%	55.89%	62.76%
	-0.00	-0.00	-0.00	16.90	-0.00	0.32	0.01	0.03	0.01	0.04	-0.00	7.92	4.93
Interest	-0.00	0.07	0.25	0.18	0.44	0.36	0.49	0.32	0.53	1.60	4.77	14.74	11.69
Depreciation	-0.00	-0.00	-0.00	-0.00	0.01	0.02	0.03	0.03	0.02	0.03	0.03	0.04	0.04
Profit before tax	0.04	0.08	0.35	0.54	1.10	1.38	2.15	1.44	2.07	3.13	3.74	13.26	9.48
Tax %	25.00%	37.50%	40.00%	29.63%	30.00%	31.16%	24.19%	34.03%	31.88%	21.09%	33.16%	26.85%
	0.03	0.05	0.21	0.37	0.77	0.94	1.63	0.95	1.41	2.47	2.50	9.70	6.42
EPS in Rs	0.06	0.01	0.04	0.07	0.15	0.18	0.32	0.18	0.26	0.41	0.41	1.59	1.03
Dividend Payout %	-0.00%	-0.00%	-0.00%	-0.00%	49.68%	54.26%	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%	-0.00%

Compounded Sales Growth
10 Years:	24%
5 Years:	50%
3 Years:	90%
TTM:	-22%

Compounded Profit Growth
10 Years:	69%
5 Years:	43%
3 Years:	90%
TTM:	-27%

Stock Price CAGR
10 Years:	-9%
5 Years:	64%
3 Years:	46%
1 Year:	-12%

Return on Equity
10 Years:	10%
5 Years:	11%
3 Years:	13%
Last Year:	21%

Balance Sheet

Figures in Rs. Crores

	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	5.00	5.00	5.00	5.10	5.10	5.10	5.10	5.39	5.39	6.10	6.10	6.10	6.44
Reserves	-0.00	0.05	0.26	9.73	10.04	10.99	11.67	17.01	18.43	25.50	32.44	48.95	64.19
	4.43	1.46	4.93	9.23	4.69	7.24	7.89	0.55	16.39	15.86	115.28	165.43	102.67
	0.01	0.06	0.26	0.28	0.87	0.59	0.85	1.14	1.92	1.21	5.70	7.43	11.34
Total Liabilities	9.44	6.57	10.45	24.34	20.70	23.92	25.51	24.09	42.13	48.67	159.52	227.91	184.64
	-0.00	-0.00	-0.00	0.30	0.34	0.35	0.34	0.32	0.42	0.40	0.48	0.45	0.49
CWIP	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00
Investments	-0.00	-0.00	-0.00	-0.00	2.72	0.29	0.01	0.01	0.20	1.55	3.42	8.97	34.56
	9.44	6.57	10.45	24.04	17.64	23.28	25.16	23.76	41.51	46.72	155.62	218.49	149.59
Total Assets	9.44	6.57	10.45	24.34	20.70	23.92	25.51	24.09	42.13	48.67	159.52	227.91	184.64

Cash Flows

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	1.97	2.36	-2.98	-12.83	7.94	-5.78	-1.59	2.69	-15.37	-0.25	-95.47	-60.34
	-2.22	0.53	-0.00	-0.30	-2.77	2.40	0.27	0.03	-0.31	-1.30	-1.84	2.80
	0.14	-3.03	3.47	13.50	-4.54	2.54	0.65	-2.65	15.84	4.78	103.87	56.95
Net Cash Flow	-0.11	-0.14	0.49	0.38	0.64	-0.84	-0.66	0.07	0.17	3.22	6.55	-0.59

Ratios

Figures in Rs. Crores

	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	4.28	-0.00	-0.00	-0.00	0.40	-0.00	0.77	-0.00	-0.00	-0.00	-0.00	-0.00
Inventory Days	534.30	-0.00	51.41	66.51	12.46	187.57	156.43
Days Payable	-0.00		-0.00	-0.00	-0.00	-0.00	-0.00
Cash Conversion Cycle	538.58	-0.00	51.41	66.51	12.85	187.57	157.20	-0.00	-0.00	-0.00	-0.00	-0.00
Working Capital Days	1,318.85	546.24	1,918.23	6,046.30	603.32	2,096.85	29.26	23.57	-1.39	-15.41	-89.30	-44.41
ROCE %	0.43%	1.88%	7.19%	4.20%	7.02%	8.06%	11.00%	7.39%	8.23%	10.79%	8.46%	14.96%

Shareholding Pattern

Numbers in percentages

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
	40.27%	40.27%	40.27%	40.27%	40.28%	40.28%	40.29%	40.29%	40.34%	37.02%	38.25%	38.25%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.16%
	59.73%	59.73%	59.74%	59.74%	59.72%	59.73%	59.72%	59.73%	59.67%	62.97%	61.77%	61.59%
No. of Shareholders	7,561	7,160	6,650	5,978	5,630	5,408	5,297	5,090	5,053	4,937	5,576	5,297

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Dec 2024
	29.27%	34.05%	38.33%	41.21%	43.50%	40.27%	40.28%	40.34%	38.25%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.16%
	0.00%	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%
	70.73%	65.95%	61.67%	58.78%	56.50%	59.73%	59.72%	59.67%	61.59%
No. of Shareholders	1,497	6,183	5,553	4,949	4,342	7,561	5,630	5,053	5,297

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Capital Trade Links Ltd

Capital Trade Links Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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