Price
Financials
Consolidated, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 176.11 | 165.12 | 167.38 | 158.27 | 142.82 | 135.01 | 139.33 | 122.64 | 131.79 | 147.02 | 125.15 | 127.74 |
| Interest | 26.24 | 25.30 | 24.77 | 25.62 | 16.55 | 18.65 | 27.62 | 19.82 | 19.75 | 22.24 | 21.72 | 25.34 |
| Expenses | 146.90 | 133.99 | 139.98 | 132.94 | 120.97 | 110.34 | 108.69 | 100.82 | 158.78 | 124.16 | 102.21 | 103.84 |
| Financing Profit | 2.97 | 5.83 | 2.63 | -0.29 | 5.30 | 6.02 | 3.02 | 2.00 | -46.74 | 0.62 | 1.22 | -1.44 |
| Financing Margin % | 1.69% | 3.53% | 1.57% | -0.18% | 3.71% | 4.46% | 2.17% | 1.63% | -35.47% | 0.42% | 0.97% | -1.13% |
| Other Income | 2.47 | 0.66 | 2.42 | 0.70 | 4.23 | 1.03 | 2.00 | 0.48 | 105.92 | 1.06 | 2.73 | 0.79 |
| Depreciation | 7.96 | 7.64 | 7.26 | 7.92 | 7.77 | 8.03 | 7.94 | 8.11 | 8.12 | 7.66 | 7.47 | 7.79 |
| Profit before tax | -2.52 | -1.15 | -2.21 | -7.51 | 1.76 | -0.98 | -2.92 | -5.63 | 51.06 | -5.98 | -3.52 | -8.44 |
| Tax % | 102.78% | 105.22% | 71.95% | -15.45% | 65.91% | 94.90% | -11.99% | 0.18% | 12.50% | -13.04% | -15.62% | 14.10% |
| Net Profit | -5.11 | -2.37 | -3.80 | -6.35 | 0.60 | -1.91 | -2.56 | -5.64 | 44.69 | -5.19 | -2.98 | -9.63 |
| EPS in Rs | 0.00 | 0.01 | 0.02 | -0.04 | 0.08 | 0.02 | -0.02 | -0.07 | 1.15 | -0.07 | -0.00 | -0.08 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26 | 60 | 179 | 318 | 532 | 655 | 680 | 543 | 524 | 532 |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 75 | 87 | 89 |
| Expenses | 11 | 31 | 127 | 265 | 476 | 633 | 562 | 455 | 484 | 489 |
| Financing Profit | 5 | 19 | 36 | 29 | 5 | -62 | 13 | 13 | -47 | -46 |
| Financing Margin % | 19% | 32% | 20% | 9% | 1% | -9% | 2% | 2% | -9% | -9% |
| Other Income | 0 | 0 | 0 | -0 | -2 | 1 | 18 | 9 | 115 | 110 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 31 | 31 | 31 |
| Profit before tax | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -9 | 36 | 33 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | 12% | 14% | |
| Net Profit | 3 | 7 | 14 | 6 | -21 | -87 | -6 | -10 | 31 | 27 |
| EPS in Rs | 0.89 | 0.17 | 0.44 | 0.25 | -0.07 | -1.07 | 0.30 | -0.03 | 1.02 | 1.00 |
| Dividend Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% | -63% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 10% | -7% | -2% | ||
| Compounded Profit Growth | % | % | -14% | -1938% | ||
| Stock Price CAGR | 23% | -2% | -5% | -40% | ||
| Return on Equity | % | -3% | -3% | -9% |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
| Reserves | 128 | 430 | 444 | 485 | 543 | 528 | 545 | 550 | 595 |
| Borrowing | 7 | 132 | 121 | 327 | 764 | 924 | 899 | 996 | 961 |
| Other Liabilities | 16 | 30 | 70 | 154 | 242 | 265 | 279 | 228 | 211 |
| Total Liabilities | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 | 1,846 |
| Fixed Assets | 8 | 31 | 47 | 56 | 78 | 81 | 94 | 90 | 84 |
| CWIP | 2 | 2 | 1 | 5 | 11 | 35 | 10 | 9 | 1 |
| Investments | 0 | 24 | 9 | 0 | 10 | 44 | 10 | 64 | 210 |
| Other Assets | 144 | 614 | 656 | 982 | 1,528 | 1,634 | 1,687 | 1,691 | 1,550 |
| Total Assets | 154 | 670 | 713 | 1,044 | 1,626 | 1,795 | 1,801 | 1,853 | 1,846 |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -5 | -453 | 30 | -69 | -313 | -23 | 121 | -93 | -254 |
| Cash from Investing Activity | -21 | -29 | 25 | -87 | -110 | -16 | 1 | -75 | 90 |
| Cash from Financing Activity | -6 | 490 | -17 | 231 | 480 | 80 | -124 | 79 | 226 |
| Net Cash Flow | -32 | 8 | 38 | 74 | 56 | 41 | -2 | -89 | 62 |
| Free Cash Flow | -16 | -463 | 25 | -81 | -347 | -74 | 99 | -103 | -260 |
| CFO/OP | -15% | -1,584% | 81% | -106% | -540% | -80% | 102% | -106% | -589% |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2% | 2% | 3% | 2% | -0% | -7% | 1% | -0% | -9% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 73.04% | 73.04% | 73.04% | 73.04% | 73.04% | 73.02% | 72.95% | 72.87% | 72.84% | 72.59% | 72.59% | 72.59% |
| FIIs | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.28% | 0.08% | 0.06% | 0.03% | 0.02% |
| DIIs | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% |
| Public | 26.96% | 26.96% | 26.97% | 26.98% | 26.97% | 26.99% | 26.93% | 26.85% | 27.07% | 27.34% | 27.38% | 27.36% |
| No. of Shareholders | 1,342 | 1,347 | 1,339 | 1,461 | 2,024 | 2,619 | 3,740 | 5,095 | 7,056 | 7,434 | 7,880 | 8,216 |
Fundamentals
Market Cap₹ 820 Cr.
Current Price₹ 21.4
Book Value₹ 17.2
ROCE1.17 %
ROE-8.63 %
Dividend Yield0.09 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)-2%
Compounded Profit Growth (TTM)-1938%
Consolidated figures.
Valuation
Market capRs 808 Cr
Enterprise valueRs 1,533 Cr
P/E (TTM)21.00x
Price to book1.29x
Price to sales1.52x
EV / EBITDA10.00x
EV / EBIT12.55x
EV / sales2.88x
Earnings yield4.76%
Dividend yield0.10%
P/E, 3-year average17.62x
P/B, 3-year average0.82x
P/E, 5-year average20.53x
P/B, 5-year average0.63x
Profitability
Operating margin (excl. other income)16.23%
Operating margin (incl. other income)17.90%
EBITDA margin28.82%
Pre-tax margin6.23%
Net profit margin7.24%
Net margin, latest quarter-2.56%
ROE-0.20%
ROCE4.20%
ROA-0.07%
ROE, 3-year average-1.69%
ROCE, 3-year average3.70%
ROA, 3-year average-0.62%
ROE, 5-year average-0.76%
ROCE, 5-year average3.83%
ROA, 5-year average-0.19%
ROIC (approx.)10.12%
Tax rate-12.06%
Other income / net worth1.45%
Growth
Sales growth (latest year)-20.11%
Profit growth (latest year)-110.64%
Sales CAGR, 3 years0.70%
Sales CAGR, 5 years24.83%
Sales growth QoQ2.07%
Sales growth YoY (latest quarter)4.16%
Per share
EPS (TTM)Rs 0.99
EPS (latest year)Rs -0.03
EPS (latest quarter)Rs -0.08
EPS, 3-year averageRs -1.29
EPS, 5-year averageRs -0.60
Book value per shareRs 16.14
Sales per shareRs 13.66
Cash flow per shareRs -2.40
Free cash flow per shareRs -6.68
Dividend per share (latest year)Rs 0.02
Dividend per share, 3-year averageRs 0.07
Dividend per share, 5-year averageRs 0.08
Dividends
Dividend payout, 3-year average6.70%
Dividend payout, 5-year average7.41%
Efficiency
Asset turnover0.29x
Fixed asset turnover6.05x
Inventory turnover248.26x
Inventory days1 days
Debtor days8 days
Debtors turnover46.28x
Leverage
Total debtRs 996 Cr
Cash and bankRs 271 Cr
Net debtRs 725 Cr
Debt to equity1.59x
Net debt / EBITDA4.73x
Interest coverage1.37x
Owners' fund to total sources33.90%
Debt to assets53.78%
Cash flow
Cash from Operating Activity (latest year)Rs -93 Cr
Cash from Investing Activity (latest year)Rs -75 Cr
Cash from Financing Activity (latest year)Rs 79 Cr
Net Cash Flow (latest year)Rs -89 Cr
Free cash flow (latest year)Rs -260 Cr
FCFE (approx.: FCF + change in debt)Rs -163 Cr
Statement figures
Net sales (TTM)Rs 532 Cr
Net sales (latest year)Rs 543 Cr
Sales (latest quarter)Rs 128 Cr
Operating profit excl. other income (latest year)Rs 88 Cr
Operating profit (latest quarter)Rs 24 Cr
Other income (TTM)Rs 110 Cr
EBITDA (TTM)Rs 153 Cr
PBDT (TTM)Rs 64 Cr
Profit before tax (TTM)Rs 33 Cr
Tax (latest year)Rs 1 Cr
Net profit (TTM)Rs 38 Cr
Net profit (latest year)Rs -1 Cr
Net profit (latest quarter)Rs -3 Cr
Depreciation (TTM)Rs 31 Cr
Depreciation (latest quarter)Rs 8 Cr
Interest (TTM)Rs 89 Cr
Cost of goods sold (latest year)Rs 251 Cr
Total expenditure (latest year)Rs 455 Cr
Total income (latest year)Rs 552 Cr
Share capitalRs 78 Cr
ReservesRs 550 Cr
Shareholders' fundsRs 628 Cr
Total assetsRs 1,853 Cr
Net blockRs 90 Cr
Capital work in progressRs 9 Cr
InvestmentsRs 64 Cr
ReceivablesRs 12 Cr
InventoryRs 1 Cr
Other liabilitiesRs 228 Cr
Shares outstanding (crore)38.91
Ownership
Promoter holding72.59% (-0.28 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 21.0 is at the 5th percentile of its own 5.0-year range
(median 81.2, low 20.6, high 396.1).
P/B 1.29 is at the 7th percentile (median 1.78).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | CIFL | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -4.6% | -2.8% | -1.8 pts |
| 1 month | +1.9% | -6.8% | +8.7 pts |
| 3 months | -9.2% | -7.6% | -1.6 pts |
| 6 months | +0.1% | +0.4% | -0.3 pts |
| 1 year | -42.7% | -9.9% | -32.8 pts |
| 3 years | -17.7% | +14.2% | -31.8 pts |
| 5 years | -11.3% | +27.9% | -39.2 pts |
Red flags
F-score 1 of 8No red flags in the latest statements and filings.
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹128 Cr +4.2% vs Jun 2025.
Net loss ₹10 Cr.
Against our estimate for Jun 2026: sales +4.8%, profit -167.4% in line. Our estimate for Sep 2026: sales Rs 128 Cr, profit Rs -4 Cr (how).
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2025-09-19 | Dividend - Re 0.02 Per Share |
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Less than 100 unique PAN traded in previous 30 days
Quick answers
What is the market cap of Capital India Finance Ltd?
Capital India Finance Ltd (CIFL) has a market capitalisation of Rs 820 Cr. at the 2026-10-01 close.
What were Capital India Finance Ltd's latest quarterly results?
In the Jun 2026 quarter, Capital India Finance Ltd revenue was Rs 128 Cr (+4.2% vs Jun 2025) with a net loss of Rs 10 Cr.
What is the 52-week high and low of Capital India Finance Ltd?
The 52-week high is Rs 39.69 and the 52-week low is Rs 18.56.