Capital Trust Limited — financial distress indicators
Financial-health summary
Capital Trust Limited's reported numbers place it in the 'Weak' financial-health band (distress score 50/100). The main indicators are latest year loss-making, equity eroded by >20% in a year and deep share-price drawdown. In its favour: operating cash flow is positive over the latest 12 months.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Net income is negative.
Losses at a financial institution consume regulatory capital directly.
Book equity changed -28% YoY.
Fast equity erosion (losses, unrealised bond losses, write-downs) was the signature of the 2023 U.S. regional-bank failures.
Price is -50% from its 52-week high.
For financial firms a share-price run often precedes a deposit or funding run (confidence channel).
Share count up +94% in a year.
Survival financing: repeated equity raises at depressed prices.
Revenue changed -65% YoY.
Shrinking net revenue (interest margin, fees, premiums) weakens the capacity to absorb losses.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- Operating cash flow is positive over the latest 12 months.
- High insider/promoter ownership (70%) aligns management with survival.
📰 Recent news scan
- Royce Small-Cap Trust CEO Clark buys $20,472 in RVT stock - Investing.com NigeriaGoogle News · 2026-10-01
- Royce Small-Cap Trust (NYSE:RVT) President Buys $20,472.00 in Stock - MarketBeatGoogle News · 2026-09-30
- Christopher D. Clark Acquires 1,200 Shares of Royce Small-Cap Trust (NYSE:RVT) on September 30, 2026 - Kalkine MediaGoogle News · 2026-09-30
- Royce Small-Cap Trust Inc's Dividend Analysis - Yahoo FinanceGoogle News · 2026-09-11
- Royce Small-Cap Trust, Inc. (NYSE: RVT) declares Third Quarter Common Stock Distribution of $0.33 Per Share - Yahoo FinanceGoogle News · 2026-09-01
⚖️ Indian legal pathway — NBFC / housing-finance insolvency
- NBFCs and HFCs with assets of ₹500 crore or more can be taken to the NCLT only on an application by the RBI (IBC §227 read with the FSP Insolvency Rules, 2019) — e.g. DHFL (2019), SREI (2021), Reliance Capital (2021).
- The RBI usually supersedes the board and appoints an administrator first; RBI's PCA framework for NBFCs adds early restrictions.
- Warning signs: asset-liability mismatch, reliance on short-term commercial paper, rising stage-3 assets and rating downgrades.
Frequently asked questions
What do Capital Trust Limited's financial-health indicators show?
As of 2026-10-09, Capital Trust Limited's public financial data places it in the 'Weak' band with a distress score of 50/100, driven by latest year loss-making, equity eroded by >20% in a year and deep share-price drawdown. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Capital Trust Limited's financial distress score?
50/100 ('Weak').
What works in Capital Trust Limited's favour?
Operating cash flow is positive over the latest 12 months. High insider/promoter ownership (70%) aligns management with survival.
How are shareholders treated if a company enters insolvency?
Under the IBC the Committee of Creditors controls the resolution; the §53 waterfall pays secured creditors and workers first and equity last. In most resolution plans existing shareholders are wiped out or left with a token stake, and the company may be delisted.
Other Bank & Finance companies with distress indicators
- Blue Chip India Limited (BLUECHIP)Weak 53/100
- Williamson Magor & Co. Limited (WILLAMAGOR)Weak 51/100
- TCI Finance Limited (TCIFINANCE)Watch 47/100
- TruCap Finance Limited (TRU)Watch 46/100
- DCM Financial Services Limited (DCMFINSERV)Watch 43/100
- Centrum Capital Limited (CENTRUM)Watch 36/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.