Capital Trust Ltd

₹ 108 -1.78%

22 Nov - close price

capital-trust.com BSE: 511505 NSE: CAPTRUST

About

Incorporated in 1985, Capital Trust
Ltd provides loans to Small and Micro
Enterprises^[1]

Key Points

Business Overview:^[1]^[2]^[3]
Company is registered as a Systematically Important Non Deposit Taking Non Banking Finance Company. It used to provide consultancy services to foreign banks and later began offering business loans to micro entrepreneurs in rural India, particularly in smaller towns. These loans are given to low-income individuals running small businesses who may not have collateral or a credit history. Currently, company's digitized rural financing model offers quick digital micro loans to MSMEs and caters to over 70,214 customers across 96 districts through 306 branches in 10 states in India

Website BSE NSE - BE

Market Cap ₹ 184 Cr.
Current Price ₹ 108
High / Low ₹ 185 / 92.0
Stock P/E 87.1
Book Value ₹ 50.4
Dividend Yield 0.00 %
ROCE 8.16 %
ROE 2.86 %
Face Value ₹ 10.0

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Pros

Cons

Company has low interest coverage ratio.
Promoter holding has decreased over last quarter: -2.08%
The company has delivered a poor sales growth of -16.0% over past five years.
Company has a low return on equity of -18.2% 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

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
	25.55	28.36	27.70	24.62	22.21	19.55	19.64	17.54	19.01	19.03	22.11	24.50	24.90
	16.99	20.66	16.10	15.00	14.04	19.68	77.45	14.99	16.87	16.37	17.83	19.58	19.63
Operating Profit	8.56	7.70	11.60	9.62	8.17	-0.13	-57.81	2.55	2.14	2.66	4.28	4.92	5.27
OPM %	33.50%	27.15%	41.88%	39.07%	36.79%	-0.66%	-294.35%	14.54%	11.26%	13.98%	19.36%	20.08%	21.16%
	0.81	0.80	0.07	0.12	0.18	0.26	0.35	0.19	0.56	0.78	0.36	0.24	0.21
Interest	8.80	7.08	9.19	6.99	5.50	4.84	4.29	1.99	1.91	2.60	3.72	4.10	5.09
Depreciation	0.07	0.14	0.15	0.13	0.11	0.11	0.11	0.10	0.10	0.11	0.11	0.08	0.08
Profit before tax	0.50	1.28	2.33	2.62	2.74	-4.82	-61.86	0.65	0.69	0.73	0.81	0.98	0.31
Tax %	30.00%	27.34%	29.61%	27.86%	25.18%	-26.56%	-25.57%	24.62%	26.09%	24.66%	25.93%	25.51%	25.81%
	0.35	0.93	1.65	1.89	2.04	-3.54	-46.04	0.48	0.51	0.55	0.60	0.73	0.23
EPS in Rs	0.21	0.57	1.01	1.16	1.25	-2.16	-28.14	0.29	0.31	0.34	0.37	0.45	0.14
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
	9.03	17.75	40.09	55.42	118.54	173.45	186.48	146.83	112.19	105.04	86.28	77.88	90.54
	4.23	8.13	11.23	17.91	37.88	99.23	60.59	77.15	103.95	87.33	125.85	65.81	73.41
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	17.13
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%	18.92%
	0.06	0.21	0.00	5.90	0.22	0.03	-36.57	0.75	0.65	0.87	0.63	1.68	1.59
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	15.51
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	2.83
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%
	1.54	1.82	9.65	20.25	36.89	6.23	9.06	0.53	-23.77	-10.82	-45.64	2.15	2.11
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	1.30
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%

Compounded Sales Growth
10 Years:	16%
5 Years:	-16%
3 Years:	-11%
TTM:	20%

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

Stock Price CAGR
10 Years:	2%
5 Years:	6%
3 Years:	1%
1 Year:	7%

Return on Equity
10 Years:	3%
5 Years:	-13%
3 Years:	-18%
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	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	136.26	203.07	206.35	138.11	137.72	113.82	103.68	58.18	60.34	68.93
	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
	1.29	3.46	22.77	22.81	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
	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
	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

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
	-9.36	-28.18	15.70	-20.18	-273.47	-191.97	44.13	239.45	8.31	15.88	74.25	20.13
	0.01	-0.21	-0.39	-0.62	-50.40	-30.83	-0.27	-36.96	2.04	23.12	42.07	-1.01
	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

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	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%

Shareholding Pattern

Numbers in percentages

4 Recently

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	66.95%	64.86%
	0.00%	0.00%	0.00%	0.00%	17.27%	17.27%	17.27%	17.27%	17.27%	17.28%	17.27%	16.62%
	17.27%	17.27%	17.27%	17.27%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	14.91%	14.91%	14.91%	14.90%	14.91%	14.91%	14.91%	14.90%	14.92%	14.89%	14.90%	17.68%
	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.85%
No. of Shareholders	7,904	8,151	8,427	8,319	8,477	8,781	8,613	8,881	9,268	9,496	9,209	10,868

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
	65.64%	65.94%	66.17%	66.17%	66.95%	66.95%	66.95%	66.95%	64.86%
	0.00%	0.10%	0.00%	0.00%	0.00%	0.00%	17.27%	17.28%	16.62%
	0.09%	17.28%	17.27%	17.27%	17.27%	17.27%	0.00%	0.00%	0.00%
	33.38%	15.80%	15.68%	15.68%	14.91%	14.91%	14.91%	14.89%	17.68%
	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.88%	0.85%
No. of Shareholders	7,217	6,643	6,432	6,346	7,085	8,151	8,781	9,496	10,868

* 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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