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TruCap Finance Limited TRU NSEFINANCIAL

Financial Services · Credit Services · India
Financial distress score 46/100 (Watch) — see indicators →
https://www.trucapfinance.com
Company Profile ↓
₹3.97
-67.16% 1Y
Mkt Cap₹47.55 Cr
P/E-0.41
P/B0.72
52W High₹13.17
52W Low₹3.97
Book Value₹6.25
EPS (TTM)₹-9.59

Company Overview

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, small and medium-sized enterprise 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.

Why Investors Should Care

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹82.34 Cr (-58.1% YoY); net profit ₹-112.65 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -90.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR -12.0%, profit CAGR -5980.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-12.04%
1 Year:-90.90%

Compounded Profit Growth

5 Years:-5,980.51%
1 Year:-

Stock Price Performance

1 Year:-67.16%
6 Months:-39.94%
3 Months:-18.65%
1 Month:-3.64%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 0% of range
₹3.97 ₹13.17
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)39.42 · Neutral
Price Performance
1M-3.64%
3M-18.65%
6M-39.94%
1Y-67.16%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.

CONS

  • Revenue declined at -12.0% CAGR over 5 years.
  • Earnings shrank at -5980.5% CAGR over 5 years.
  • Trading 69.9% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
-0.41
Industry PE
15.25
Forward P/E
-
PEG Ratio
-
Book Value
₹6.25
Price to Book
0.72
P/S
-0.65
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-12.04%
Profit 5Y
-5,980.51%
Revenue (YoY)
-90.90%
Earnings (YoY)
-

Profitability & Returns

ROCE
-18.86%
ROE
-
ROA
-28.77%
Profit Margin
0.00%
Op Margin
-
Gross Margin
0.00%
EPS (Latest Qtr)
₹-2.35
EPS (TTM)
₹-9.59

Balance Sheet & Liquidity

Debt/Equity
6.50
Quick Ratio
37.03
Current Ratio
159.09
Debt
₹331.27 Cr
Total Assets
₹391.51 Cr
Current Assets
₹284.13 Cr
Working Capital
₹282.34 Cr

Ownership

Promoter Holding
52.51%
Chg in Prom Hold
-1.45%
FII / Inst Holding
0.00%
Chg in FII Hold
-6.18%

Financial Snapshot

Enterprise Value
₹47.55 Cr
Total Revenue (TTM)
₹-82.45 Cr
EBITDA
₹-65.74 Cr
Free Cash Flow
₹129.63 Cr
Operating Cash Flow
₹129.66 Cr
Shares Outstanding
₹11.98 Cr
Gross Margin
0.00%
Payout Ratio
1.33%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TRU TruCap Finance Limited NSEFINANCIAL 3.97 -0.41 ₹47.55 Cr 0.00% -18.86% - -12.04% -5,980.51%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 33.00 Cr38.00 Cr43.00 Cr40.00 Cr41.00 Cr52.00 Cr58.00 Cr52.00 Cr35.36 Cr29.88 Cr22.80 Cr15.10 Cr14.55 Cr
Cost of Revenue --------32.10 Cr30.15 Cr31.12 Cr20.18 Cr26.22 Cr
Gross Profit --------3.27 Cr-26.88 L-8.32 Cr-5.08 Cr-11.67 Cr
Operating Expenses 15.00 Cr17.00 Cr20.00 Cr22.00 Cr24.00 Cr22.00 Cr26.00 Cr25.00 Cr34.22 Cr17.40 Cr11.75 Cr12.88 Cr6.15 Cr
Operating Income ---------30.96 Cr-17.67 Cr-20.06 Cr-17.97 Cr-17.82 Cr
EBITDA ---------10.08 Cr-15.65 Cr-18.02 Cr-16.03 Cr-16.04 Cr
Interest Expense 15.00 Cr17.00 Cr18.00 Cr21.00 Cr23.00 Cr26.00 Cr27.00 Cr25.00 Cr-----
Pretax Income 1.00 Cr1.00 Cr3.00 Cr3.00 Cr4.00 Cr2.00 Cr3.00 Cr1.00 Cr-76.41 Cr-15.80 Cr-45.59 Cr-52.50 Cr-26.38 Cr
Tax Provision 47.00 L29.00 L1.41 Cr39.00 L-1.56 Cr70.00 L1.83 Cr-25.00 L-8.67 Cr-6.70 Cr-12.70 Cr-10.05 Cr-7.19 Cr
Net Income 01.00 Cr1.00 Cr3.00 Cr6.00 Cr1.00 Cr1.00 Cr1.00 Cr-67.73 Cr-9.10 Cr-32.89 Cr-42.45 Cr-19.18 Cr
Diluted EPS 0.040.090.120.240.490.100.090.08-5.34-0.78-2.81-3.54-2.35

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 19.00 Cr19.00 Cr30.00 Cr-120.98 Cr158.83 Cr196.50 Cr82.34 Cr
Cost of Revenue ----75.08 Cr117.64 Cr148.30 Cr107.67 Cr
Gross Profit ----45.91 Cr41.19 Cr48.20 Cr-25.34 Cr
Operating Expenses 12.00 Cr12.00 Cr22.00 Cr-42.40 Cr45.07 Cr70.72 Cr48.18 Cr
Operating Income ----3.50 Cr-3.89 Cr-22.52 Cr-73.52 Cr
EBITDA ----13.19 Cr23.05 Cr5.17 Cr-65.74 Cr
Interest Expense 5.00 Cr2.00 Cr4.00 Cr3.13 Cr3.01 Cr2.37 Cr26.65 Cr-
Pretax Income 2.00 Cr6.00 Cr3.00 Cr-2.47 Cr11.42 Cr-71.16 Cr-152.33 Cr
Tax Provision 24.00 L1.62 Cr1.59 Cr-1.83 Cr46.01 L-11.91 Cr-39.68 Cr
Net Income 2.00 Cr4.00 Cr1.00 Cr-63.14 L10.96 Cr-59.25 Cr-112.65 Cr
Diluted EPS 0.320.600.170.450.060.93-5.07-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 54.00 Cr48.00 Cr186.00 Cr-671.25 Cr921.00 Cr699.23 Cr391.51 Cr
Current Assets ----407.30 Cr676.75 Cr445.01 Cr284.13 Cr
Cash & Equivalents ----38.01 Cr101.35 Cr39.02 Cr8.34 Cr
Inventory --------
Receivables ----39.00 Cr62.72 Cr35.83 Cr15.40 Cr
Total Liabilities ----455.16 Cr709.09 Cr537.09 Cr340.51 Cr
Current Liabilities ----298.57 Cr444.05 Cr287.61 Cr1.79 Cr
Long Term Debt ----156.13 Cr264.17 Cr248.17 Cr331.27 Cr
Total Debt ----442.52 Cr686.11 Cr520.48 Cr331.27 Cr
Total Equity 27.00 Cr32.00 Cr100.00 Cr-216.09 Cr211.91 Cr162.14 Cr51.00 Cr
Shares Outstanding ----11.62 Cr11.69 Cr11.69 Cr11.89 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 2.00 Cr13.00 Cr-80.00 Cr--151.40 Cr-211.95 Cr211.62 Cr129.66 Cr
Investing Cash Flow 2.00 Cr-4.00 Cr-34.00 Cr--65.77 Cr30.45 Cr-27.90 Cr55.49 Cr
Financing Cash Flow -3.00 Cr-11.00 Cr145.00 Cr-196.63 Cr244.84 Cr-246.05 Cr-215.83 Cr
Capital Expenditure -1.00 Cr-1.00 Cr-12.00 Cr--13.99 Cr-9.78 Cr-19.87 L-3.67 L
Free Cash Flow 1.00 Cr12.00 Cr-92.00 Cr--165.39 Cr-221.73 Cr211.42 Cr129.63 Cr
Net Change in Cash 1.00 Cr-2.00 Cr31.00 Cr--20.55 Cr63.34 Cr-62.33 Cr-30.67 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----37.9%25.9%24.5%-30.8%
Operating Margin % ----2.9%-2.4%-11.5%-89.3%
Net Margin % 10.5%21.1%3.3%-0.5%6.9%-30.2%-136.8%
ROE % 7.4%12.5%1.0%-0.3%5.2%-36.5%-220.9%
ROCE % ----0.9%-0.8%-5.5%-18.9%

Shareholding Pattern

Insiders
52.51%
Institutions
0.00%
Public Float
0.00%

Analyst View

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TRU — Frequently Asked Questions

What is the current share price of TruCap Finance Limited (TRU)?

As of 2026-10-24 04:55 IST, TruCap Finance Limited (TRU) trades at ₹3.97 on NSE. Its 52-week range is ₹3.97 to ₹13.17.

What is the market capitalisation of TRU?

TruCap Finance Limited (TRU) has a market capitalisation of ₹47.55 Cr on NSE.

What is the P/E ratio of TRU?

TRU trades at a trailing price-to-earnings (P/E) ratio of -0.41. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 0.72.

Is TRU a good stock to buy?

This page provides a data-driven analysis of TruCap Finance Limited (TRU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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