TruCap Finance Limited — financial distress indicators
Financial-health summary
TruCap Finance Limited's reported numbers place it in the 'Watch' financial-health band (distress score 46/100). The main indicators are consecutive annual losses, 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 loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Book equity changed -69% YoY.
Fast equity erosion (losses, unrealised bond losses, write-downs) was the signature of the 2023 U.S. regional-bank failures.
Price is -65% from its 52-week high.
For financial firms a share-price run often precedes a deposit or funding run (confidence channel).
Revenue changed -58% 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 (54%) aligns management with survival.
📰 Recent news scan
- Mortgage Workflow Launch Might Change The Case For Investing In TransUnion (TRU) - Simply Wall StreetGoogle News · 2026-10-09
- TransUnion Stock 12‑Month Price Target Raised to $93.71, Implies 49% Upside - TradingViewGoogle News · 2026-10-08
- TransUnion (TRU) Stock Forecasts - Yahoo FinanceGoogle News · 2026-10-07
- 2 Safe-and-Steady Stocks to Keep an Eye On and 1 We Brush Off - StockStoryGoogle News · 2026-10-06
- TransUnion (TRU) Stock May Be Undervalued Following CFO Transition News - Simply Wall StreetGoogle News · 2026-09-30
- Is TRU Stock Worth Buying as Growth Improves but Debt Stays High? - Yahoo FinanceGoogle News · 2026-08-13
⚖️ 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 TruCap Finance Limited's financial-health indicators show?
As of 2026-10-09, TruCap Finance Limited's public financial data places it in the 'Watch' band with a distress score of 46/100, driven by consecutive annual losses, 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 TruCap Finance Limited's financial distress score?
46/100 ('Watch').
What works in TruCap Finance Limited's favour?
Operating cash flow is positive over the latest 12 months. High insider/promoter ownership (54%) 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
- Capital Trust Limited (CAPTRUST)Weak 50/100
- TCI Finance Limited (TCIFINANCE)Watch 47/100
- 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.