Price
Financials
Standalone, 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 | 42 | 40 | 41 | 52 | 58 | 52 | 35 | 30 | 23 | 15 | 14 | 11 |
| Interest | 18 | 21 | 23 | 26 | 27 | 25 | 21 | 20 | 20 | 14 | 21 | 5 |
| Expenses | 20 | 22 | 24 | 22 | 26 | 25 | 92 | 36 | 48 | 52 | 20 | 20 |
| Financing Profit | 4 | -3 | -5 | 4 | 4 | 2 | -77 | -26 | -45 | -51 | -26 | -13 |
| Financing Margin % | 10% | -7% | -12% | 7% | 7% | 4% | -219% | -86% | -199% | -339% | -181% | -118% |
| Other Income | 0 | 9 | 12 | 0 | 1 | 1 | 1 | 12 | 2 | 1 | 1 | 1 |
| Depreciation | 2 | 3 | 2 | 2 | 2 | 2 | 8 | 2 | 2 | 2 | 2 | 1 |
| Profit before tax | 3 | 4 | 4 | 2 | 3 | 1 | -84 | -16 | -45 | -52 | -27 | -14 |
| Tax % | 44% | 13% | -37% | 32% | 58% | -16% | -17% | -43% | -28% | -19% | -35% | -25% |
| Net Profit | 2 | 3 | 6 | 1 | 1 | 1 | -70 | -9 | -33 | -42 | -18 | -10 |
| EPS in Rs | 0.13 | 0.26 | 0.50 | 0.12 | 0.10 | 0.11 | -6.02 | -0.75 | -2.74 | -3.55 | -1.49 | -0.87 |
| Gross NPA % | 1.16% | 1.42% | 2.59% | |||||||||
| Net NPA % | 0.67% | 0.90% | 1.87% |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2 | 1 | 12 | 19 | 19 | 24 | 70 | 124 | 161 | 196 | 82 | 64 |
| Interest | 0 | 0 | 2 | 5 | 2 | 4 | 24 | 51 | 79 | 99 | 75 | 60 |
| Expenses | 2 | 1 | 5 | 12 | 12 | 17 | 31 | 60 | 83 | 165 | 151 | 140 |
| Financing Profit | 0 | 0 | 4 | 2 | 6 | 2 | 15 | 13 | -0 | -67 | -144 | -136 |
| Financing Margin % | 7% | 3% | 38% | 12% | 31% | 10% | 21% | 11% | -0% | -34% | -174% | -214% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 21 | 3 | -2 | 4 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 6 | 8 | 14 | 7 | 7 |
| Profit before tax | 0 | 0 | 5 | 2 | 6 | 2 | 11 | 7 | 12 | -79 | -152 | -139 |
| Tax % | 31% | 100% | 11% | 12% | 27% | 61% | 31% | 23% | 4% | -15% | -28% | |
| Net Profit | 0 | 0 | 4 | 2 | 4 | 1 | 7 | 6 | 12 | -67 | -110 | -103 |
| EPS in Rs | 0.02 | 0.00 | 1.05 | 0.32 | 0.61 | 0.09 | 0.83 | 0.48 | 1.00 | -5.70 | -9.29 | -8.65 |
| Dividend Payout % | 0% | 0% | 19% | 16% | 3% | 11% | 1% | 2% | 1% | 0% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 47% | 28% | -13% | -64% | ||
| Compounded Profit Growth | % | % | % | -34% | ||
| Stock Price CAGR | % | -50% | -59% | -62% | ||
| Return on Equity | -14% | -17% | -31% | -98% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 8 | 8 | 8 | 14 | 14 | 15 | 18 | 23 | 23 | 23 | 24 |
| Reserves | 1 | 1 | 1 | 5 | 13 | 18 | 84 | 156 | 200 | 196 | 139 | 30 |
| Borrowing | 1 | 1 | 0 | 39 | 25 | 16 | 81 | 286 | 443 | 686 | 520 | 335 |
| Other Liabilities | 1 | 0 | 0 | 3 | 2 | 2 | 5 | 12 | 12 | 23 | 17 | 9 |
| Total Liabilities | 10 | 9 | 9 | 55 | 54 | 48 | 185 | 472 | 678 | 928 | 699 | 397 |
| Fixed Assets | 0 | 1 | 1 | 1 | 1 | 3 | 10 | 18 | 21 | 28 | 20 | 8 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 11 | 12 | 6 | 0 | 0 |
| Investments | 0 | 1 | 2 | 1 | 0 | 1 | 18 | 51 | 81 | 60 | 42 | 37 |
| Other Assets | 10 | 7 | 7 | 53 | 52 | 43 | 155 | 392 | 564 | 834 | 636 | 352 |
| Total Assets | 10 | 9 | 9 | 55 | 54 | 48 | 185 | 472 | 678 | 928 | 699 | 397 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 6 | -1 | 1 | -41 | 2 | 13 | -78 | -181 | -149 | -212 | 208 | 127 |
| Cash from Investing Activity | 0 | -1 | 0 | 5 | 2 | -4 | -38 | -76 | -69 | 30 | -25 | 52 |
| Cash from Financing Activity | -6 | 1 | -0 | 39 | -3 | -11 | 145 | 283 | 198 | 245 | -246 | -209 |
| Net Cash Flow | 0 | -1 | 1 | 2 | 1 | -2 | 30 | 26 | -20 | 63 | -63 | -30 |
| Free Cash Flow | 6 | -1 | 1 | -41 | 1 | 12 | -86 | -202 | -159 | -222 | 208 | 127 |
| CFO/OP | 32,000% | -567% | 3,025% | -645% | 57% | 185% | -1,134% | -458% | -224% | -263% | 661% | -186% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0% | 1% | 0% | 38% | 11% | 14% | 1% | 5% | 3% | 5% | -35% | -98% |
| 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 | 50.77% | 46.84% | 47.38% | 42.14% | 36.87% | 37.22% | 35.76% | 30.97% | 30.97% | 30.97% | 30.97% | 30.97% |
| FIIs | 8.13% | 8.43% | 9.70% | 10.70% | 8.42% | 8.08% | 6.18% | 5.82% | 5.22% | 5.19% | 5.19% | 5.02% |
| DIIs | 0.00% | 0.00% | 0.00% | 0.00% | 1.07% | 1.07% | 0.94% | 0.93% | 0.99% | 0.99% | 0.99% | 0.99% |
| Public | 41.10% | 44.72% | 42.92% | 47.16% | 53.66% | 53.65% | 57.12% | 62.30% | 62.83% | 62.87% | 62.87% | 63.05% |
| No. of Shareholders | 11,970 | 14,578 | 17,193 | 18,727 | 25,061 | 26,528 | 28,832 | 27,734 | 27,352 | 26,681 | 26,049 | 25,728 |
Fundamentals
Market Cap₹ 48.7 Cr.
Current Price₹ 4.10
Book Value₹ 4.48
ROCE-13.6 %
ROE-98.1 %
Dividend Yield0.00 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)-64%
Compounded Profit Growth (TTM)-34%
Standalone figures.
Valuation
Market capRs 50 Cr
Enterprise valueRs 367 Cr
Price to book0.94x
Price to sales0.79x
EV / sales5.76x
Price to cash flow0.40x
Earnings yield-205.20%
P/E, 3-year average63.44x
P/B, 3-year average1.64x
P/E, 5-year average104.49x
P/B, 5-year average2.71x
Profitability
Operating margin (excl. other income)-83.35%
Operating margin (incl. other income)-85.32%
EBITDA margin-112.90%
Pre-tax margin-217.61%
Net profit margin-161.69%
Net margin, latest quarter-92.28%
ROE-102.49%
ROCE-14.42%
ROA-20.14%
ROE, 3-year average-44.04%
ROCE, 3-year average-0.10%
ROA, 3-year average-8.95%
ROE, 5-year average-24.79%
ROCE, 5-year average4.19%
ROA, 5-year average-4.73%
ROIC (approx.)-15.37%
Tax rate27.50%
Other income / net worth-3.04%
Growth
Sales growth (latest year)-58.04%
Sales CAGR, 3 years-12.71%
Sales CAGR, 5 years28.04%
Sales growth QoQ-22.28%
Sales growth YoY (latest quarter)-62.46%
Per share
EPS (TTM)Rs -8.66
EPS (latest year)Rs -9.29
EPS (latest quarter)Rs -0.88
EPS, 3-year averageRs -4.66
EPS, 5-year averageRs -2.54
Book value per shareRs 4.48
Sales per shareRs 5.36
Cash flow per shareRs 10.65
Free cash flow per shareRs 10.68
Dividend per share, 3-year averageRs 0.01
Dividend per share, 5-year averageRs 0.01
Dividends
Dividend payout, 3-year average1.02%
Dividend payout, 5-year average1.47%
Efficiency
Asset turnover0.21x
Fixed asset turnover10.03x
Debtor days68 days
Debtors turnover5.35x
Leverage
Total debtRs 335 Cr
Cash and bankRs 18 Cr
Net debtRs 317 Cr
Debt to equity6.29x
Interest coverage-1.30x
Owners' fund to total sources13.41%
Debt to assets84.29%
Cash flow
Cash from Operating Activity (latest year)Rs 127 Cr
Cash from Investing Activity (latest year)Rs 52 Cr
Cash from Financing Activity (latest year)Rs -209 Cr
Net Cash Flow (latest year)Rs -30 Cr
Free cash flow (latest year)Rs 127 Cr
FCFE (approx.: FCF + change in debt)Rs -58 Cr
Sales to cash flow0.65x
Statement figures
Net sales (TTM)Rs 64 Cr
Net sales (latest year)Rs 82 Cr
Sales (latest quarter)Rs 11 Cr
Operating profit excl. other income (latest year)Rs -69 Cr
Operating profit (latest quarter)Rs -9 Cr
Other income (TTM)Rs 4 Cr
EBITDA (TTM)Rs -72 Cr
PBDT (TTM)Rs -132 Cr
Profit before tax (TTM)Rs -139 Cr
Tax (latest year)Rs -42 Cr
Net profit (TTM)Rs -103 Cr
Net profit (latest year)Rs -110 Cr
Net profit (latest quarter)Rs -10 Cr
Depreciation (TTM)Rs 7 Cr
Depreciation (latest quarter)Rs 1 Cr
Interest (TTM)Rs 60 Cr
Cost of goods sold (latest year)Rs 5 Cr
Total expenditure (latest year)Rs 151 Cr
Total income (latest year)Rs 81 Cr
Share capitalRs 24 Cr
ReservesRs 30 Cr
Shareholders' fundsRs 53 Cr
Total assetsRs 397 Cr
Net blockRs 8 Cr
Capital work in progressRs 0 Cr
InvestmentsRs 37 Cr
ReceivablesRs 15 Cr
Other liabilitiesRs 9 Cr
Shares outstanding (crore)11.89
Ownership
Promoter holding30.97% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/B 0.94 is at the 16th percentile (median 5.30).
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 | TRU | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +0.2% | -2.8% | +3.0 pts |
| 1 month | +4.2% | -6.8% | +11.0 pts |
| 3 months | -23.6% | -7.6% | -15.9 pts |
| 6 months | -8.9% | +0.4% | -9.3 pts |
| 1 year | -61.7% | -9.9% | -51.8 pts |
| 2 years | -88.5% | -13.6% | -75.0 pts |
| 3 years | -92.8% | +14.2% | -107.0 pts |
| 5 years | -96.7% | +27.9% | -124.6 pts |
Red flags
F-score 2 of 8| look | Repeated losses Net loss in each of the last two years |
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 ₹11 Cr -63.3% vs Jun 2025.
Net loss ₹10 Cr.
Against our estimate for Jun 2026: sales -38.9%, profit +59.2% in line. Our estimate for Sep 2026: sales Rs 14 Cr, profit Rs -19 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 |
|---|---|---|
| 2024-09-19 | Annual General Meeting/Dividend - Re 0.01 Per Share | |
| 2023-09-18 | Annual General Meeting/Dividend - Rs 0.01 Per Share | |
| 2022-09-21 | Annual General Meeting/Dividend - Re 0.01 Per Share |
| Date | Type | What it says |
|---|---|---|
| 2026-10-01 | Shareholder meeting | The Scrutinizers Report along with Voting Results pertaining to the Annual General Meeting of the Company held on September 29, 2026. |
| 2026-09-30 | Change in Management | Change in the Senior Management Personnel of the Company. |
| 2026-09-30 | Resignation | Resignation of Director/KMP/SMP |
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.
EPS in the scrip is zero (4 trailing quarters)High low price variation greater than 150perc in previous 12 months
Quick answers
What is the market cap of TruCap Finance Ltd?
TruCap Finance Ltd (TRU) has a market capitalisation of Rs 48.7 Cr. at the 2026-10-01 close.
What were TruCap Finance Ltd's latest quarterly results?
In the Jun 2026 quarter, TruCap Finance Ltd revenue was Rs 11 Cr (-63.3% vs Jun 2025) with a net loss of Rs 10 Cr.
What is the 52-week high and low of TruCap Finance Ltd?
The 52-week high is Rs 11.29 and the 52-week low is Rs 3.90.