TruCap Finance Limited TRU NSEFINANCIAL

Financial Services · Credit Services · India

https://www.trucapfinance.com

TruCap Finance Limited, a non-banking finance company, provides loans in India. The company operates in two segments, Fund Based Activities and Advisory Services. It offers micro enterprise loans, SME loans, other structured business, personal loans, and gold loans, as well as related ancillary services. The company was formerly known as Dhanvarsha Finvest Limited and changed its name to TruCap Finance Limited in August 2022. The company was incorporated in 1994 and is headquartered in Mumbai, India. TruCap Finance Limited operates as a subsidiary Wilson Holdings Private Limited.

Market & Price

Market Cap

₹71.08 Cr

Current Price

₹5.98

High / Low (52W)

₹20.44 / ₹4.63

Beta

0.91

Valuation

Stock P/E

Industry PE

19.12

Forward P/E

PEG Ratio

Book Value

₹9.22

Price to Book

0.65

P/S

-1.43

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

-10.81%

ROE

ROA

Profit Margin

0.00%

Op Margin

EPS (Latest Qtr)

₹-3.54

EPS (TTM)

₹-12.47

Balance Sheet & Liquidity

Debt/Equity

3.02

Quick Ratio

Current Ratio

Debt

₹325.60 Cr

Total Assets

₹699.23 Cr

Current Assets

₹445.01 Cr

Working Capital

₹157.40 Cr

Ownership

Promoter Holding

54.13%

Chg in Prom Hold

FII / Inst Holding

0.00%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹371.33 Cr

Total Revenue (TTM)

₹-49.64 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

Shares Outstanding

₹11.89 Cr

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

38.05%

Profit 5Y

-528.97%

Revenue (YoY)

Earnings (YoY)

PROS

Compounding revenue at 38.0% over 5 years.

CONS

Earnings shrank at -529.0% CAGR over 5 years.
Trading 70.7% 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	TRU TruCap Finance Limited NSEFINANCIAL	5.98	-	₹71.08 Cr	-	-10.81%	-	38.05%	-528.97%
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
Revenue	-	51.51 Cr	31.08 Cr	29.88 Cr	22.80 Cr	15.10 Cr
Cost of Revenue	-	37.53 Cr	2.84 Cr	30.15 Cr	31.12 Cr	20.18 Cr
Gross Profit	-	13.98 Cr	28.24 Cr	-26.88 L	-8.32 Cr	-5.08 Cr
Operating Expenses	-	12.98 Cr	14.94 Cr	17.40 Cr	11.75 Cr	12.88 Cr
Operating Income	-	99.26 L	13.30 Cr	-17.67 Cr	-20.06 Cr	-17.97 Cr
EBITDA	-	3.26 Cr	-50.61 Cr	-15.65 Cr	-18.02 Cr	-16.03 Cr
Interest Expense	-	-	-	-	-	-
Pretax Income	-	77.58 L	-76.41 Cr	-15.80 Cr	-45.59 Cr	-52.50 Cr
Tax Provision	-	-18.77 L	-13.98 Cr	-6.70 Cr	-12.70 Cr	-10.05 Cr
Net Income	-	96.35 L	-62.42 Cr	-9.10 Cr	-32.89 Cr	-42.45 Cr
Diluted EPS	0.09	0.08	-	-0.78	-2.81	-3.54

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	73.06 Cr	120.98 Cr	158.83 Cr	192.22 Cr
Cost of Revenue	38.63 Cr	75.08 Cr	117.64 Cr	119.04 Cr
Gross Profit	34.43 Cr	45.91 Cr	41.19 Cr	73.18 Cr
Operating Expenses	23.72 Cr	42.40 Cr	45.07 Cr	51.44 Cr
Operating Income	10.71 Cr	3.50 Cr	-3.89 Cr	21.74 Cr
EBITDA	15.07 Cr	13.19 Cr	23.05 Cr	-35.35 Cr
Interest Expense	3.13 Cr	3.01 Cr	2.37 Cr	26.65 Cr
Pretax Income	7.19 Cr	2.47 Cr	11.42 Cr	-71.16 Cr
Tax Provision	3.20 Cr	1.83 Cr	46.01 L	-11.91 Cr
Net Income	3.98 Cr	63.14 L	10.96 Cr	-59.25 Cr
Diluted EPS	0.45	0.06	0.93	-5.07

Compounded Sales Growth

5 Years:	38.05%
1 Year:	-

Compounded Profit Growth

5 Years:	-528.97%
1 Year:	-

Stock Price Performance

1 Year:	-47.50%
6 Months:	-28.81%
3 Months:	-11.41%
1 Month:	-7.14%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Total Assets	471.67 Cr	671.25 Cr	921.00 Cr	699.23 Cr
Current Assets	319.57 Cr	407.30 Cr	676.75 Cr	445.01 Cr
Cash & Equivalents	58.56 Cr	38.01 Cr	101.35 Cr	39.02 Cr
Inventory	-	-	-	-
Receivables	16.00 Cr	39.00 Cr	62.72 Cr	35.83 Cr
Total Liabilities	299.59 Cr	455.16 Cr	709.09 Cr	537.09 Cr
Current Liabilities	133.12 Cr	298.57 Cr	444.05 Cr	287.61 Cr
Long Term Debt	165.47 Cr	156.13 Cr	264.17 Cr	248.17 Cr
Total Debt	286.48 Cr	442.52 Cr	686.11 Cr	520.48 Cr
Total Equity	172.08 Cr	216.09 Cr	211.91 Cr	162.14 Cr
Shares Outstanding	8.88 Cr	11.62 Cr	11.69 Cr	11.69 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Operating Cash Flow	-184.70 Cr	-151.40 Cr	-211.95 Cr	211.62 Cr
Investing Cash Flow	-73.10 Cr	-65.77 Cr	30.45 Cr	-27.90 Cr
Financing Cash Flow	284.13 Cr	196.63 Cr	244.84 Cr	-246.05 Cr
Capital Expenditure	-36.15 Cr	-13.99 Cr	-9.78 Cr	-19.87 L
Free Cash Flow	-220.85 Cr	-165.39 Cr	-221.73 Cr	211.42 Cr
Net Change in Cash	26.33 Cr	-20.55 Cr	63.34 Cr	-62.33 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Gross Margin %	47.1%	37.9%	25.9%	38.1%
Operating Margin %	14.7%	2.9%	-2.4%	11.3%
Net Margin %	5.5%	0.5%	6.9%	-30.8%
ROE %	2.3%	0.3%	5.2%	-36.5%
ROCE %	3.2%	0.9%	-0.8%	5.3%

Shareholding Pattern

Insiders

54.13%

Institutions

0.00%

Public Float

0.00%

Analyst View

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