Capital Trust Ltd

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

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 28.0
  • Book Value ₹ 76.0
  • Dividend Yield 0.00 %
  • ROCE 5.06 %
  • ROE -8.18 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.

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 -3.13% over past five years.
  • Company has a low return on equity of -7.11% over last 3 years.
  • Company's cost of borrowing seems high

* 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
51.74 40.84 29.26 27.17 26.94 30.94 30.84 22.72 26.21 28.36 27.70 24.62 22.21
15.99 16.67 24.02 16.51 17.30 22.83 53.62 33.54 17.52 20.66 16.10 15.00 14.04
Operating Profit 35.75 24.17 5.24 10.66 9.64 8.11 -22.78 -10.82 8.69 7.70 11.60 9.62 8.17
OPM % 69.10% 59.18% 17.91% 39.23% 35.78% 26.21% -73.87% -47.62% 33.16% 27.15% 41.88% 39.07% 36.79%
0.37 0.69 2.24 1.07 0.08 0.24 -2.69 0.05 0.06 0.80 0.07 0.12 0.18
Interest 15.56 13.56 12.47 8.70 8.51 8.20 7.71 8.06 7.49 7.08 9.19 6.99 5.50
Depreciation 0.38 0.18 0.17 0.19 0.12 0.13 0.14 0.13 0.07 0.14 0.15 0.13 0.11
Profit before tax 20.18 11.12 -5.16 2.84 1.09 0.02 -33.32 -18.96 1.19 1.28 2.33 2.62 2.74
Tax % 31.42% 26.08% 22.29% 25.35% 19.27% 2,150.00% -21.34% -27.22% 26.05% 24.22% 30.04% 25.95% 26.28%
13.84 8.22 -6.31 2.13 0.87 -0.42 -26.21 -13.80 0.87 0.96 1.63 1.95 2.02
EPS in Rs 8.46 5.02 -3.86 1.30 0.53 -0.26 -16.02 -8.43 0.53 0.59 1.00 1.19 1.23
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
12 14 55 123 182 192 154 114 105 103
12 13 18 39 108 66 81 110 87 66
Operating Profit 0 0 38 84 74 127 73 4 18 37
OPM % 2% 3% 68% 69% 40% 66% 47% 4% 17% 36%
1 0 6 2 0 -37 1 1 1 1
Interest 0 1 12 29 66 76 59 34 32 29
Depreciation 0 0 0 0 0 1 1 1 0 1
Profit before tax 0 0 31 57 8 13 14 -29 -14 9
Tax % -18% 11% 35% 33% 82% 29% 69% -20% -27%
0 0 20 38 1 9 4 -24 -10 7
EPS in Rs 0.53 0.11 13.81 23.14 0.84 5.60 2.61 -14.44 -6.33 4.01
Dividend Payout % 0% 0% 11% 6% 6% 9% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: -3%
3 Years: -18%
TTM: -7%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 117%
Stock Price CAGR
10 Years: 2%
5 Years: 6%
3 Years: 1%
1 Year: 7%
Return on Equity
10 Years: %
5 Years: 1%
3 Years: -7%
Last Year: -8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
Equity Capital 7 7 15 16 16 16 16 16 16 16
Reserves 2 2 136 204 202 135 138 114 104 108
4 3 68 360 539 483 274 257 208 129
2 2 23 34 49 22 24 19 26 26
Total Liabilities 14 15 242 614 807 656 452 407 354 280
1 1 1 1 2 4 4 2 2 2
CWIP 0 0 0 0 0 0 0 0 0 0
Investments 3 4 0 0 0 0 38 41 43 0
10 10 240 613 805 651 410 364 309 278
Total Assets 14 15 242 614 807 656 452 407 354 280

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
-1 0 -20 -334 -185 74 252 18 16
-0 -0 -1 -31 -1 -0 -37 -0 -0
2 -0 73 311 176 -56 -213 -14 -49
Net Cash Flow 1 -0 52 -54 -10 18 2 4 -34

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2006 Mar 2007 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 12 12 24 0 0 0 0 0 0
Inventory Days 28 44
Days Payable 1 2
Cash Conversion Cycle 39 53 24 0 0 0 0 0 0
Working Capital Days 207 179 307 609 370 5 -14 -25 15
ROCE % 6% 21% 11% 18% 14% 1% 5%

Shareholding Pattern

Numbers in percentages

4 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 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 7,9048,1518,4278,3198,4778,7818,6138,8819,2689,4969,20910,868

* 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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Documents

Announcements

Annual reports

Credit ratings

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