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Capital Trust Ltd. (India)
(CAPTRUST)
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Rating:49Neutral
Price Target:
₹19.50
▲(50.46% Upside)
Action:Reiterated
Date:08/01/26
The score is primarily held back by weak financial performance, driven by the sharp FY2026 loss, revenue decline, and negative operating/free cash flow. Technicals provide support as the stock trades above major moving averages, but valuation remains pressured due to negative earnings and no dividend yield data.
Positive Factors
Improved Leverage
Material de-leveraging improves financial flexibility and lowers interest burden, a durable buffer against further revenue stress. Reduced leverage gives management runway to execute restructuring or business adjustments over months without immediate refinancing pressure.
Negative Factors
Large FY2026 Loss and Revenue Decline
A swing to a very large loss and materially negative margins signals deep operational or credit stress that undermines earnings durability. Such a deterioration reduces retained capital and makes multi-quarter recovery harder without clear revenue or cost-structure fixes.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
Material de-leveraging improves financial flexibility and lowers interest burden, a durable buffer against further revenue stress. Reduced leverage gives management runway to execute restructuring or business adjustments over months without immediate refinancing pressure.
Read all positive factors
Capital Trust Ltd. (India) (CAPTRUST) vs. iShares MSCI India ETF (INDA)
Market Cap
₹819.71M
Dividend YieldN/A
Average Volume (3M)15.23K
Price to Earnings (P/E)―
Beta (1Y)0.98
Revenue Growth-55.88%
EPS Growth-3929.98%
CountryIN
Employees1,834
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-18.07
Shares Outstanding46,169,190
10 Day Avg. Volume25,804
30 Day Avg. Volume15,226
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.46
Price to Sales (P/S)0.67
P/FCF Ratio-1.49
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Capital Trust Ltd. (India) Business Overview & Revenue Model
Company Description
Capital Trust Limited operates as a Non-Banking Finance Company (NBFC), primarily delivering 'capital magic' solutions and micro business loans across India. The firm extends its financial services to a diverse array of economic segments, includin...
How the Company Makes Money
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Capital Trust Ltd. (India) Financial Statement Overview
Summary
Income Statement
24
Negative
Balance Sheet
46
Neutral
Cash Flow
32
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 423.57M | 844.46M | 583.18M | 647.72M | 851.94M |
| Gross Profit | 282.50M | 312.28M | 177.37M | 230.66M | 343.06M |
| EBITDA | -360.90M | 49.94M | 48.49M | -472.26M | 19.77M |
| Net Income | -468.25M | 11.11M | 21.46M | -456.41M | -108.20M |
Balance Sheet | |||||
| Total Assets | 1.12B | 2.04B | 1.79B | 1.88B | 3.54B |
| Cash, Cash Equivalents and Short-Term Investments | 48.95M | 570.30M | 254.68M | 212.48M | 672.72M |
| Total Debt | 401.15M | 1.02B | 800.85M | 959.28M | 2.08B |
| Total Liabilities | 501.40M | 1.18B | 1.03B | 1.14B | 2.34B |
| Stockholders Equity | 614.87M | 859.28M | 767.00M | 745.38M | 1.20B |
Cash Flow | |||||
| Free Cash Flow | -189.83M | -200.42M | 196.03M | 741.05M | 155.27M |
| Operating Cash Flow | -188.40M | -193.53M | 201.28M | 742.54M | 158.84M |
| Investing Cash Flow | 485.26M | -105.76M | -10.12M | 420.74M | -1.45M |
| Financing Cash Flow | -398.27M | 294.87M | -150.31M | -1.13B | -494.05M |
Capital Trust Ltd. (India) Technical Analysis
Positive
12.96
Price Trends
13.94
Positive
13.36
Positive
15.02
Positive
Market Momentum
1.51
Negative
78.43
Negative
91.88
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPTRUST, the sentiment is Positive. The current price of 12.96 is below the 20-day moving average (MA) of 15.07, below the 50-day MA of 13.94, and below the 200-day MA of 15.02, indicating a bullish trend. The MACD of 1.51 indicates Negative momentum. The RSI at 78.43 is Negative, neither overbought nor oversold. The STOCH value of 91.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CAPTRUST.
Capital Trust Ltd. (India) Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
60 Neutral | ₹1.03B | 0.71 | ― | ― | -2.31% | 18323.72% | |
56 Neutral | ₹1.46B | 37.11 | ― | ― | 117.76% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
49 Neutral | ₹819.71M | -1.01 | ― | ― | -55.88% | -3929.98% | |
44 Neutral | ₹196.69M | -10.73 | ― | ― | -92.81% | -149.71% | |
43 Neutral | ₹116.82M | -11.11 | ― | ― | -66.71% | 13.06% | |
41 Neutral | ₹545.58M | -0.48 | ― | 0.12% | -51.04% | -71.19% |
* General Sector Average
IN:CAPTRUST
Capital Trust Ltd. (India)
19.14
-20.66
-51.91%
IN:DCMFINSERV
DCM Financial Services Limited
5.32
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-9.83%
IN:MOTOGENFIN
Motor & General Finance Ltd.
26.11
-0.20
-0.76%
IN:TCIFINANCE
TCI Finance Limited
15.91
2.12
15.37%
IN:TRU
TruCap Finance Limited
4.71
-8.16
-63.40%
IN:VIJIFIN
Viji Finance Ltd.
10.89
6.56
151.50%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.