Capital Trust Ltd.
•Add ratio to table
ABOUT
KEY POINTS
Revenue Breakup Mar 2011 • Leasing Hire Purchase/ Loan Div. & Others: 100.0%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 29.4%
- Asset quality is healthy - gross NPA of just 0.0%
- Latest quarter profit grew 102.4% YoY, showing strong momentum
- Operating margins have improved to 21.3% from 17.7%
- Company generates healthy free cash flow
CONS
- Net NPA is elevated at 3.7% - provisioning cushion is thin
- A large part of profit comes from other income (83.3% of PBT)
- Company has a low return on equity of -14.2% over last 3 years
- Promoter holding has decreased over last 2 years: -12.8pp
- Company has a low return on capital employed of 1.5%
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1060.50 | 32.52 | 660262.45 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1041.00 | 21.64 | 244945.59 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 375.00 | 29.46 | 159182.59 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 239.85 | 76.64 | 158376.35 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| CHOLAFIN | 1839.00 | 27.31 | 157062.74 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11148.75 | 14.01 | 124078.35 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2920.00 | 10.31 | 117228.79 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.80 | 27.00 | 110814.49 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 314.00 | 24.73 | 78699.47 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.90 | 27.52 | 62608.60 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.25 | 26.05 | 56678.94 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CAPTRUST | 20.79 | 10.80 | 70.73 | 0.00 | 2.02 | 131.84 | 17.86 | -31.85 | 12.24 | 45.73 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 11 | 13 | 15 | 20 | 23 | 22 | 22 | 19 | 12 | 8 | 8 | 5 | 121 | |
| 15 | 17 | 16 | 18 | 20 | 20 | 20 | 16 | 20 | 28 | 10 | 8 | 122 | |
| Operating Profit | 3 | 2 | 3 | 4 | 5 | 5 | 5 | 5 | -7 | -20 | -1 | 3 | 14 |
| OPM % | 23.22% | 16.42% | 17.42% | 21.65% | 21.74% | 23.54% | 23.18% | 25.04% | -62.08% | -257.91% | -11.42% | 51.10% | 11.19% |
| Other Income | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Interest | 2 | 2 | 3 | 4 | 4 | 5 | 5 | 5 | 4 | 3 | 3 | 2 | 13 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | -11 | -23 | -2 | 0 | 1 | |
| Tax % | 25.00% | 26.09% | 24.66% | 25.93% | 25.51% | 25.81% | 76.19% | 27.27% | 25.25% | 22.52% | -3.83% | 14092.31% | -76.52% |
| Net Profit | 0 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | -8 | -18 | -2 | -18 | 2 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5 | -11 | -1 | -5 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 54 | 114 | 167 | 180 | 145 | 109 | 105 | 86 | 78 | 95 | 141 | |
| 18 | 38 | 99 | 63 | 171 | 130 | 101 | 164 | 67 | 75 | 169 | |
| Operating Profit | 37 | 76 | 68 | 117 | -27 | -21 | 4 | -78 | 10 | 20 | -27 |
| OPM % | 67.13% | 66.86% | 40.67% | 64.77% | -18.35% | -19.22% | 4.16% | -91.24% | 13.44% | 21.30% | -19.25% |
| 7 | 4 | 6 | -27 | 97 | 30 | 14 | 40 | 3 | 1 | 3 | |
| Interest | 12 | 26 | 62 | 77 | 61 | 39 | 32 | 22 | 10 | 19 | 21 |
| Depreciation | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 2 |
| Profit before Tax | 31 | 55 | 12 | 12 | 9 | -30 | -14 | -61 | 3 | 2 | -24 |
| Tax % | 34.74% | 32.81% | 48.09% | 23.74% | 93.73% | 21.54% | 23.65% | 25.58% | 25.51% | 31.46% | -51.03% |
| Net Profit | 20 | 37 | 6 | 9 | 1 | -24 | -11 | -46 | 2 | 1 | -36 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -14.66 | -6.67 | -28.14 | 1.32 | 0.66 | — |
| Dividend Payout % | 10.92% | 6.65% | 13.13% | 8.95% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 9%
- 5 Years:
- -8%
- 3 Years:
- -3%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -19%
- 5 Years:
- 16%
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -19%
- 3 Years:
- -33%
- 1 Year:
- -29%
RETURN ON EQUITY
- 10 Years:
- -2%
- 5 Years:
- -14%
- 3 Years:
- -14%
- Last Year:
- 1%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 15 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 17 |
| 136 | 203 | 206 | 138 | 138 | 114 | 104 | 58 | 60 | 69 | |
| 43 | 315 | 539 | 480 | 282 | 278 | 208 | 96 | 80 | 102 | |
| Trade Payables | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| 46 | 24 | 36 | -7 | -3 | -12 | -9 | -32 | -27 | -33 | |
| Total Liabilities | 241 | 559 | 799 | 628 | 434 | 397 | 320 | 139 | 131 | 155 |
| 1 | 1 | 2 | 4 | 4 | 2 | 2 | 1 | 1 | 2 | |
| 0 | 19 | 50 | 50 | 88 | 91 | 43 | 0 | 1 | 11 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 79 | 29 | 37 | 47 | 37 | 56 | 57 | 73 | 24 | 16 |
| 161 | 509 | 710 | 527 | 305 | 248 | 218 | 64 | 104 | 127 | |
| Total Assets | 241 | 559 | 799 | 628 | 434 | 397 | 320 | 139 | 131 | 155 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -9 | -265 | -173 | 51 | 240 | 9 | 19 | 74 | 20 | -19 | |
| Cash from Investing | -1 | -50 | -31 | -0 | -37 | 2 | -0 | 42 | -1 | -11 |
| Cash from Financing | 73 | 260 | 221 | -51 | -202 | -3 | -49 | -113 | -15 | 29 |
| 52 | -64 | -1 | -7 | 1 | 7 | -34 | 3 | 4 | -0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 13.73 | 22.55 | 3.81 | 5.58 | 0.33 | -14.66 | -6.67 | -28.14 | 1.32 | 0.66 |
| Book Value (₹) | 102.90 | 134.12 | 136.12 | 95.25 | 95.01 | 80.27 | 74.02 | 45.96 | 47.29 | 50.95 |
| Dividend per Share (₹) | 1.50 | 1.50 | 0.50 | 0.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 9.13 | 14.92 | 2.67 | 4.03 | 0.58 | -9.37 | -4.17 | -18.24 | 1.04 | 0.61 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 79.70% | 70.79% | 44.39% | 70.29% | 48.61% | 8.15% | 17.70% | -45.27% | 13.44% | 21.30% |
| Net Margin % | 37.17% | 32.28% | 3.72% | 5.03% | 0.37% | -21.80% | -10.31% | -53.06% | 2.76% | 1.17% |
| ROE % | 23.83% | 19.92% | 2.82% | 4.80% | 0.35% | -16.73% | -8.65% | -46.91% | 2.84% | 1.37% |
| ROCE % | 26.20% | 21.27% | 11.49% | 12.71% | 12.99% | 1.97% | 4.91% | -15.81% | 8.15% | 12.24% |
| 11.10% | 9.22% | 0.92% | 1.27% | 0.10% | -5.72% | -3.02% | -19.89% | 1.59% | 0.78% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 22 | 0 | 0 | 1 | 1 | 4 | 9 | 14 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 22 | 0 | 0 | 1 | 1 | 4 | 9 | 14 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.45x | 1.41x | 2.39x | 3.11x | 1.83x | 2.14x | 1.73x | 1.29x | 1.04x | 1.18x |
| Interest Coverage (x) | 3.55x | 3.15x | 1.19x | 1.16x | 1.14x | 0.22x | 0.56x | -1.80x | 1.28x | 1.08x |
| 3.34x | 2.78x | 1.85x | 2.69x | 1.47x | 1.98x | 4.09x | 5.04x | 0.53x | 0.73x | |
| GROWTH | ||||||||||
| Revenue Growth % | 36.25% | 109.79% | 46.37% | 7.65% | -19.53% | -24.74% | -3.71% | -18.08% | -9.68% | 21.96% |
| Operating Profit Growth % | 50.45% | 86.33% | -8.21% | 70.44% | -44.34% | -87.38% | 109.02% | -309.51% | 135.33% | 56.49% |
| Net Profit Growth % | 109.89% | 82.21% | -83.12% | 45.40% | -94.12% | -4560.97% | 54.48% | -321.80% | 104.70% | -48.24% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 104.70% | -50.23% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 46.90x | 87.17x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.00x | 1.72x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 15.22x | 10.85x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-18 - Capital Trust Limited has informed the Exchange about General Updates- Investor Presentation
2026-08-12 - Capital Trust Limited has informed the Exchange regarding a press release dated August 12, 2026, titled "Capital Trust Reports Positive PAT in Q1FY27; AUM Grows 52% to ₹240 Crore on Secured and Partner-Led Growth".
2026-08-12 - Outcome of the board ,meeting
2026-06-30 - Capital Trust Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-06-12 - Yogen Khosla has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.
2026-05-31 - Capital Trust Limited has informed the Exchange about General Updates about the corporate presentation for the Q4 of the FY 2025-26
2026-05-27 - Capital Trust Limited has informed the Exchange regarding a press release dated May 27, 2026, titled "Financial Results for Quarter and Year Ended March31, 2026".
2026-05-27 - Capital Trust Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
News
Recent coverage and analyst commentary for CAPTRUST
Loading news…
AI Stock Analyst
Capital Trust Ltd.
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account