Capital India Finance Limited CIFL NSEFINANCIAL

Financial Services · Credit Services · India

https://www.capitalindia.com

Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising various loans, such as home, home improvement, home extension, NRI home, and home loan balance transfer, as well as loans against property. It operates RapiPay solutions, including assisted payment services and POS solutions; and RemitX that offers retail foreign exchange products and services, including foreign currency notes, overseas remittances, foreign currency prepaid travel card, and import and export of foreign currency notes. The company was formerly known as Bhilwara Tex-Fin Limited and changed its name to Capital India Finance Limited in August 2017. Capital India Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. Capital India Finance Limited is a subsidiary of Capital India Corp Private Limited.

Market & Price

Market Cap

₹943.23 Cr

Current Price

₹24.12

High / Low (52W)

₹43.22 / ₹20.74

Beta

0.58

Valuation

Stock P/E

24.12

Industry PE

19.12

Forward P/E

PEG Ratio

Book Value

₹17.52

Price to Book

1.38

P/S

1.79

EV/EBITDA

35.27

Dividend Yield

0.08%

Profitability & Returns

ROCE

-2.71%

ROE

4.76%

ROA

0.48%

Profit Margin

7.36%

Op Margin

14.39%

EPS (Latest Qtr)

₹0.00

EPS (TTM)

₹1.00

Balance Sheet & Liquidity

Debt/Equity

1.39

Quick Ratio

1.97

Current Ratio

8.55

Debt

₹961.42 Cr

Total Assets

₹1,845.61 Cr

Current Assets

₹1,482.60 Cr

Working Capital

₹1,466.95 Cr

Ownership

Promoter Holding

92.68%

Chg in Prom Hold

FII / Inst Holding

0.00%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹1,605.52 Cr

Total Revenue (TTM)

₹528.37 Cr

EBITDA

₹45.53 Cr

Free Cash Flow

₹290.07 Cr

Operating Cash Flow

₹-254.08 Cr

Shares Outstanding

₹39.11 Cr

Gross Margin

49.74%

Payout Ratio

2.00%

Growth (CAGR)

Revenue 5Y

-6.67%

Profit 5Y

64.52%

Revenue (YoY)

-7.00%

Earnings (YoY)

PROS

Profit CAGR of 64.5% over 5 years.
Generates positive free cash flow.

CONS

Revenue declined at -6.7% CAGR over 5 years.
Trading 44.2% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CIFL Capital India Finance Limited NSEFINANCIAL	24.12	24.12	₹943.23 Cr	0.08%	-2.71%	4.76%	-6.67%	64.52%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	119.55 Cr	133.61 Cr	127.59 Cr	142.12 Cr	121.27 Cr
Cost of Revenue	-	-	100.91 Cr	118.24 Cr	114.52 Cr	119.19 Cr	109.32 Cr
Gross Profit	-	-	18.64 Cr	15.36 Cr	13.07 Cr	22.93 Cr	11.95 Cr
Operating Expenses	-	-	26.49 Cr	25.65 Cr	22.86 Cr	31.66 Cr	33.31 Cr
Operating Income	-	-	-7.86 Cr	-10.29 Cr	-9.79 Cr	-8.73 Cr	-21.36 Cr
EBITDA	-	-	-3.30 L	-2.07 Cr	-1.68 Cr	-1.07 Cr	-13.89 Cr
Interest Expense	-	-	-	-	-	-	-
Pretax Income	-	-	-2.87 Cr	-4.83 Cr	52.27 Cr	-5.97 Cr	-3.53 Cr
Tax Provision	-	-	14.51 L	80.90 L	6.37 Cr	-78.13 L	-54.96 L
Net Income	-	-	-59.11 L	-2.85 Cr	44.82 Cr	-2.92 Cr	-15.67 L
Diluted EPS	0.08	0.02	-0.02	-0.07	1.12	-	0.00

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	629.97 Cr	649.23 Cr	530.72 Cr	512.19 Cr
Cost of Revenue	-	555.74 Cr	548.04 Cr	441.95 Cr	447.47 Cr
Gross Profit	-	74.23 Cr	101.19 Cr	88.76 Cr	64.72 Cr
Operating Expenses	-	150.75 Cr	129.66 Cr	113.04 Cr	114.36 Cr
Operating Income	-	-76.52 Cr	-28.47 Cr	-24.27 Cr	-49.64 Cr
EBITDA	-	-49.26 Cr	35.29 Cr	7.66 Cr	-18.28 Cr
Interest Expense	15.97 Cr	11.40 Cr	3.83 Cr	2.26 Cr	-
Pretax Income	-	-85.43 Cr	1.29 Cr	-11.91 Cr	37.01 Cr
Tax Provision	-	1.64 Cr	7.73 Cr	1.10 Cr	5.05 Cr
Net Income	-	-41.57 Cr	11.65 Cr	1.55 Cr	38.89 Cr
Diluted EPS	-0.07	-1.07	0.30	0.04	-

Compounded Sales Growth

5 Years:	-6.67%
1 Year:	-7.00%

Compounded Profit Growth

5 Years:	64.52%
1 Year:	-

Stock Price Performance

1 Year:	-33.07%
6 Months:	-24.41%
3 Months:	-22.24%
1 Month:	-12.35%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	1,794.84 Cr	1,800.90 Cr	1,852.59 Cr	1,845.61 Cr
Current Assets	-	694.36 Cr	642.39 Cr	696.46 Cr	1,482.60 Cr
Cash & Equivalents	-	238.88 Cr	229.32 Cr	158.38 Cr	223.39 Cr
Inventory	-	56.95 L	1.10 Cr	98.22 L	66.38 L
Receivables	-	17.69 Cr	7.09 Cr	11.74 Cr	7.76 Cr
Total Liabilities	-	1,138.55 Cr	1,141.40 Cr	1,199.39 Cr	1,155.06 Cr
Current Liabilities	-	588.46 Cr	591.05 Cr	588.35 Cr	15.64 Cr
Long Term Debt	-	525.27 Cr	535.65 Cr	587.86 Cr	930.87 Cr
Total Debt	-	924.45 Cr	899.43 Cr	996.32 Cr	961.42 Cr
Total Equity	-	605.56 Cr	622.62 Cr	627.96 Cr	673.17 Cr
Shares Outstanding	-	38.87 Cr	38.87 Cr	38.91 Cr	39.11 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-23.12 Cr	120.56 Cr	-93.31 Cr	-254.08 Cr
Investing Cash Flow	-	-16.11 Cr	1.37 Cr	-60.81 Cr	98.47 Cr
Financing Cash Flow	-	80.26 Cr	-124.23 Cr	79.09 Cr	225.80 Cr
Capital Expenditure	-	-51.16 Cr	-21.53 Cr	-10.41 Cr	-5.46 Cr
Free Cash Flow	-	-74.29 Cr	99.03 Cr	-103.72 Cr	-259.54 Cr
Net Change in Cash	-	41.02 Cr	-2.29 Cr	-89.11 Cr	61.61 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	11.8%	15.6%	16.7%	12.6%
Operating Margin %	-	-12.1%	-4.4%	-4.6%	-9.7%
Net Margin %	-	-6.6%	1.8%	0.3%	7.6%
ROE %	-	-6.9%	1.9%	0.2%	5.8%
ROCE %	-	-6.3%	-2.4%	-1.9%	-2.7%

Shareholding Pattern

Insiders

92.68%

Institutions

0.00%

Public Float

0.00%

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CIFL · Financial Services