TruCap Finance Ltd
Incorporated in 1994, TruCap Finance Ltd is
in the business of Fund based activities and Advisory services[1]
- Market Cap ₹ 571 Cr.
- Current Price ₹ 48.8
- High / Low ₹ 87.1 / 40.0
- Stock P/E 52.1
- Book Value ₹ 18.1
- Dividend Yield 0.02 %
- ROCE 11.6 %
- ROE 5.23 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 38.8% CAGR over last 5 years
Cons
- Stock is trading at 2.69 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of 2.95% over last 3 years.
- Promoters have pledged 51.5% of their holding.
- Company has high debtors of 168 days.
- Promoter holding has decreased over last 3 years: -14.0%
* 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
19 | 19 | 30 | 76 | 123 | 162 | |
12 | 12 | 22 | 40 | 63 | 83 | |
Operating Profit | 8 | 8 | 8 | 36 | 60 | 78 |
OPM % | 39% | 39% | 26% | 48% | 49% | 48% |
0 | 0 | 0 | 0 | 1 | 21 | |
Interest | 5 | 2 | 4 | 24 | 51 | 79 |
Depreciation | 0 | 0 | 1 | 5 | 8 | 9 |
Profit before tax | 2 | 6 | 3 | 7 | 2 | 11 |
Tax % | 12% | 27% | 53% | 45% | 74% | 4% |
2 | 4 | 1 | 4 | 1 | 11 | |
EPS in Rs | 0.32 | 0.60 | 0.17 | 0.45 | 0.05 | 0.94 |
Dividend Payout % | 16% | 3% | 6% | 2% | 18% | -0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 53% |
3 Years: | 76% |
TTM: | 31% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 39% |
3 Years: | 104% |
TTM: | 1640% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 33% |
3 Years: | -33% |
1 Year: | -17% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 3% |
3 Years: | 3% |
Last Year: | 5% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Equity Capital | 14 | 14 | 15 | 18 | 23 | 23 |
Reserves | 12 | 16 | 80 | 150 | 184 | 189 |
25 | 16 | 81 | 286 | 443 | 686 | |
3 | 3 | 11 | 18 | 22 | 23 | |
Total Liabilities | 54 | 48 | 186 | 472 | 671 | 921 |
1 | 3 | 11 | 23 | 24 | 54 | |
CWIP | 1 | 0 | 4 | 24 | 29 | 0 |
Investments | -0 | 1 | 11 | 26 | 49 | 28 |
52 | 44 | 160 | 399 | 570 | 839 | |
Total Assets | 54 | 48 | 186 | 472 | 671 | 921 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
2 | 13 | -80 | -185 | -151 | -212 | |
2 | -4 | -34 | -73 | -66 | 30 | |
-3 | -11 | 145 | 284 | 197 | 245 | |
Net Cash Flow | 1 | -2 | 31 | 26 | -21 | 63 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Debtor Days | 0 | 23 | 74 | 77 | 116 | 168 |
Inventory Days | ||||||
Days Payable | ||||||
Cash Conversion Cycle | 0 | 23 | 74 | 77 | 116 | 168 |
Working Capital Days | -11 | 68 | 69 | 87 | 152 | 196 |
ROCE % | 15% | 6% | 10% | 10% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Allotment
28 Jun - Allotment of 500 secured, United States Dollar denominated bonds having face value of USD 10,000 each aggregating upto USD 5,000,000 (United States Dollar Five Million …
- Shareholder Meeting / Postal Ballot-Scrutinizer"s Report 28 Jun
- Shareholder Meeting / Postal Ballot-Outcome of EGM 27 Jun
- Closure of Trading Window 25 Jun
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
24 Jun - Schedule of the Investor/Analyst group virtual meet
Annual reports
Concalls
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Jun 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT
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May 2023Transcript PPT
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Mar 2023Transcript PPT
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Feb 2023TranscriptNotesPPT
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Nov 2022Transcript PPT
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Aug 2022Transcript PPT
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Jun 2022Transcript PPT
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Feb 2022Transcript PPT
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Nov 2021Transcript PPT
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Aug 2021Transcript PPT
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Aug 2021TranscriptNotesPPT
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Jun 2021Transcript PPT
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Feb 2021TranscriptNotesPPT
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Dec 2020TranscriptNotesPPT
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Nov 2020TranscriptNotesPPT
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Sep 2020Transcript PPT
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Jun 2020TranscriptPPT
Business Overview:[1][2]
TCFL (formerly known as Dhanvarsha Finvest Limited) is promoted by Mumbai-headquartered Wilson Group. It is a Non Systematically Important Non Deposit Taking Non Banking Financial Company.
It is a specialized MSME lender which provides access to affordable credit solutions to entrepreneurs. It provides financing options to the relatively under-banked micro, small & medium enterprises (MSME) and low-to-mid income (LMI) groups, offering a range of secured and unsecured financing products. Currently, company has ~96,700+ Customers, ~10.3 Billion Loan
Book, 45+ Lenders, ~128 Branch Network