Centrum Capital Ltd.
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ABOUT
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
- Solid return on assets for a lender - ROA of 7.4%
- Latest quarter profit grew 111.1% YoY, showing strong momentum
- Company generates healthy free cash flow
- Institutional investors have been accumulating - FII+DII up 2.5pp
CONS
- Company is loss-making at the operating / net level
- A large part of profit comes from other income (48.8% of PBT)
- Company has a low return on equity of -4.1% over last 3 years
- Company has a low return on capital employed of 10.3%
- Operating margins have contracted to -30.9% from -18.9%
- Equity base is being diluted - shares outstanding up 17.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BSE | 3384.00 | 48.75 | 138027.97 | 0.30 | 872.66 | 62.15 | 1566.02 | 63.40 | 49.47 | 68.04 |
| MFSL | 1478.50 | 464.33 | 51025.22 | 0.00 | 118.29 | 36.83 | 14969.51 | 7840.54 | 4.32 | 1.11 |
| ANANDRATHI | 2210.40 | 78.92 | 36701.76 | 0.29 | 1630.08 | 1635.79 | 3219.85 | 1075.04 | 64.48 | 33.74 |
| PRUDENT | 3401.10 | 57.47 | 14082.83 | 0.10 | 74.76 | 44.38 | 347.63 | 18.34 | 39.05 | 25.62 |
| CENTRUM | 22.48 | 7.99 | 1094.39 | 0.00 | -148.80 | -39.11 | 911.98 | 17.53 | 9.28 | 26.49 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 14 | 13 | 21 | 8 | 13 | 17 | 17 | 3 | 17 | 10 | 9 | 19 | |
| 10 | 11 | 15 | 15 | 8 | 13 | 13 | 24 | 11 | 19 | 9 | 17 | 37 | |
| Operating Profit | -4 | 4 | -20 | 7 | 1 | 1 | 5 | -7 | -9 | -1 | 1 | 409 | 0 |
| OPM % | -73.29% | 27.47% | -161.62% | 31.89% | 7.94% | 10.29% | 26.65% | -39.08% | -284.85% | -7.27% | 11.95% | 4494.17% | 1.82% |
| Other Income | 10 | 10 | 10 | 10 | 10 | 13 | 13 | 12 | 14 | 16 | 17 | 23 | 22 |
| Interest | 24 | 22 | 25 | 24 | 25 | 29 | 29 | 29 | 30 | 29 | 27 | 32 | 18 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| -18 | -9 | -26 | -8 | -15 | -15 | -13 | -24 | -25 | -15 | -10 | 190 | 4 | |
| Tax % | 7.35% | 10.11% | 19.03% | 30.32% | 9.96% | -14.90% | -19.59% | 5.90% | -29.43% | -6.89% | -32.33% | 14.84% | 13.32% |
| Net Profit | -17 | -8 | -21 | -6 | -14 | -17 | -15 | -22 | -33 | -16 | -13 | 162 | 4 |
| -0 | -0 | -0 | -0 | -0 | -0 | -0 | -1 | -1 | -0 | -0 | 4 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 27 | 27 | 23 | 26 | 36 | 37 | 26 | 57 | 58 | 43 | 55 | |
| 88 | 47 | 65 | 53 | 30 | 42 | 67 | 52 | 60 | 57 | 83 | |
| Operating Profit | -61 | -20 | -42 | -27 | 6 | -5 | -41 | 5 | -2 | -13 | -28 |
| OPM % | -227.55% | -77.10% | -179.73% | -102.87% | 17.39% | -14.28% | -159.02% | 9.61% | -3.68% | -30.89% | -50.60% |
| 143 | 121 | 344 | 77 | 20 | 27 | 36 | 30 | 50 | 275 | 285 | |
| Interest | 38 | 34 | 50 | 24 | 29 | 55 | 71 | 95 | 112 | 118 | 106 |
| Depreciation | 3 | 1 | 6 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Profit before Tax | 41 | 66 | 245 | 24 | -5 | -36 | -78 | -61 | -67 | 140 | 170 |
| Tax % | 8.69% | 3.47% | 25.34% | -22.04% | -81.12% | 4.60% | 7.07% | 15.82% | -2.71% | 28.40% | 19.42% |
| Net Profit | 38 | 63 | 183 | 29 | -9 | -34 | -72 | -51 | -69 | 101 | 137 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -0.22 | -0.82 | -1.74 | -1.23 | -1.65 | 2.07 | — |
| Dividend Payout % | 5.54% | 3.28% | 1.14% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 0%
- 5 Years:
- 4%
- 3 Years:
- 19%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 32%
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -9%
- 3 Years:
- -2%
- 1 Year:
- -39%
RETURN ON EQUITY
- 10 Years:
- 4%
- 5 Years:
- -7%
- 3 Years:
- -4%
- Last Year:
- 22%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 42 | 42 | 42 | 42 | 42 | 42 | 42 | 42 | 42 | 49 |
| 259 | 318 | 449 | 472 | 464 | 434 | 366 | 319 | 255 | 573 | |
| 167 | 439 | 193 | 200 | 257 | 303 | 386 | 575 | 794 | 634 | |
| Trade Payables | 0 | 0 | 0 | 0 | 2 | 68 | 47 | 2 | 10 | 4 |
| 117 | 114 | 597 | 184 | 233 | 307 | 401 | 255 | 231 | 114 | |
| Total Liabilities | 585 | 913 | 1,280 | 898 | 997 | 1,153 | 1,242 | 1,192 | 1,331 | 1,374 |
| 5 | 7 | 15 | 10 | 7 | 5 | 4 | 2 | 9 | 6 | |
| 262 | 639 | 1,003 | 618 | 629 | 961 | 937 | 925 | 899 | 721 | |
| 17 | 32 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 23 | 7 | |
| Cash & Bank | 49 | 16 | 4 | 3 | 10 | 36 | 49 | 114 | 68 | 214 |
| 251 | 218 | 257 | 267 | 351 | 151 | 253 | 145 | 333 | 426 | |
| Total Assets | 585 | 913 | 1,280 | 898 | 997 | 1,153 | 1,242 | 1,192 | 1,331 | 1,374 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -7 | 21 | -100 | -126 | -80 | 180 | -140 | 101 | -186 | -174 | |
| Cash from Investing | 99 | -311 | 369 | 151 | -4 | -260 | 6 | -13 | 101 | 449 |
| Cash from Financing | -42 | 263 | -263 | -11 | 89 | 90 | 114 | -70 | 70 | -135 |
| 48 | -34 | -36 | -1 | 7 | 10 | -15 | 17 | -15 | 140 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-13 - Please find attached Monitoring Agency Report for the quarter ended June 30, 2026
2026-08-12 - Centrum Capital Limited has informed the Exchange regarding Summary of the proceedings of the 48th Annual General Meeting.
2026-08-12 - Centrum Capital Limited has informed the Exchange regarding Proceedings of 48th Annual General Meeting held on August 12, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results.
2026-08-12 - Centrum Capital Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-04 - Centrum Capital Limited has informed the Exchange regarding Cessation of Mr Manmohan Shetty as Independent Director of the company w.e.f. August 05, 2026.
2026-08-03 - Centrum Capital Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-18 - Centrum Capital Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-17 - Centrum Capital Limited has informed the Exchange about intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Letter to Shareholders
2026-07-17 - Centrum Capital Limited has informed the Exchange about Shareholders meeting
News
Recent coverage and analyst commentary for CENTRUM
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Centrum Capital Ltd.
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