Capital Trust Ltd. (India) (CAPTRUST) AI Stock Analysis

• Market Cap: ₹1.20B
• Dividend Yield: N/A
• Average Volume (3M): 15.23K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.37
• Revenue Growth: -26.63%
• EPS Growth: -1320.85%
• Country: IN
• Employees: 1,834
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -6.88
• Shares Outstanding: 46,169,190
• 10 Day Avg. Volume: 25,804
• 30 Day Avg. Volume: 15,226
• PEG Ratio: -2.82
• Price to Book (P/B): 1.77
• Price to Sales (P/S): 1.60
• P/FCF Ratio: -7.57
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 38 Underperform
• Price Target: ₹16.50 ▲(23.13% Upside)

Capital Trust Ltd. is facing significant financial and technical challenges. The company's declining revenues, low profitability, and negative cash flows are major concerns. Technical indicators suggest bearish momentum, and valuation metrics are poor with a negative P/E ratio. These factors contribute to a low overall stock score.

Positive Factors

High Gross Profit Margin

A high gross profit margin indicates effective cost management, allowing the company to maintain profitability even with revenue challenges.

Diversified Revenue Streams

Diversified revenue streams reduce dependency on a single income source, enhancing financial stability and resilience against market fluctuations.

Strong Partnerships

Strong partnerships expand market reach and client base, providing opportunities for growth and increased revenue potential.

Negative Factors

Declining Revenue

Declining revenue indicates potential market challenges and could impact long-term growth prospects if not addressed.

Negative Cash Flow

Negative cash flow challenges the company's ability to fund operations and invest in growth, potentially affecting future financial health.

Leverage Concerns

A leveraged balance sheet increases financial risk, potentially limiting flexibility and increasing vulnerability to economic downturns.

Capital Trust Ltd. (India) Business Overview & Revenue Model

Company Description

Capital Trust Ltd. (India) (CAPTRUST) is a leading financial services company specializing in providing a wide range of financial solutions including investment advisory, asset management, and loan syndication. The company operates primarily in the financial sector, focusing on serving retail and institutional clients. CAPTRUST is committed to delivering innovative financial products and services that cater to the diverse needs of its clients, helping them achieve their financial goals.

How the Company Makes Money

CAPTRUST generates revenue through multiple streams, primarily by charging fees for its investment advisory and asset management services. This includes management fees based on the assets under management (AUM) and performance fees tied to the investment returns generated for clients. Additionally, the company earns income from loan syndication and advisory services, receiving commissions and fees for facilitating loan transactions. Significant partnerships with banks, financial institutions, and corporate clients further enhance its revenue capabilities, allowing CAPTRUST to tap into a broader client base and diversify its income sources.

Capital Trust Ltd. (India) Financial Statement Overview

Summary

Capital Trust Ltd. faces financial challenges with declining revenues and low profitability. Despite a high gross profit margin, the net profit margin is weak, and cash flow is negative, indicating financial instability. The balance sheet shows a leveraged position, which could pose risks.

Income Statement

Capital Trust Ltd. has experienced a decline in revenue over the past few years, with a significant drop of 17% in the most recent year. The gross profit margin remains high at 100%, indicating effective cost management. However, the net profit margin is low at 1.45%, reflecting challenges in converting revenue into profit. The EBIT and EBITDA margins are also modest, suggesting limited operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is slightly above 1, indicating a balanced but leveraged capital structure. Return on equity is low at 1.29%, pointing to limited profitability for shareholders. The equity ratio is not directly provided, but the company's leverage suggests moderate financial stability.

Cash Flow

The cash flow situation is concerning, with negative operating and free cash flows in the latest period. The free cash flow growth rate is negative, and the operating cash flow to net income ratio is significantly negative, indicating cash flow challenges. The free cash flow to net income ratio is slightly above 1, suggesting some alignment between cash flow and accounting profit.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	719.38M	844.46M	583.18M	647.72M	851.94M	943.57M
Gross Profit	209.95M	312.28M	177.37M	230.66M	343.06M	369.71M
EBITDA	-35.17M	49.94M	48.49M	-472.26M	19.77M	-176.07M
Net Income	-79.46M	11.11M	21.46M	-456.41M	-108.20M	-236.25M
Balance Sheet
Total Assets	1.80B	2.04B	1.79B	1.88B	3.54B	4.07B
Cash, Cash Equivalents and Short-Term Investments	141.00M	570.30M	254.68M	212.48M	672.72M	844.33M
Total Debt	922.00M	1.02B	800.85M	959.28M	2.08B	2.57B
Total Liabilities	1.02B	1.18B	1.03B	1.14B	2.34B	2.76B
Stockholders Equity	859.28M	859.28M	767.00M	745.38M	1.20B	1.31B
Cash Flow
Free Cash Flow	0.00	-200.42M	196.03M	741.05M	155.27M	176.44M
Operating Cash Flow	0.00	-193.53M	201.28M	742.54M	158.84M	179.32M
Investing Cash Flow	0.00	-105.76M	-10.12M	420.74M	-1.45M	-2.43M
Financing Cash Flow	0.00	294.87M	-150.31M	-1.13B	-494.05M	-135.01M

Capital Trust Ltd. (India) Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPTRUST, the sentiment is Negative. The current price of 13.4 is below the 20-day moving average (MA) of 20.46, below the 50-day MA of 24.70, and below the 200-day MA of 44.36, indicating a bearish trend. The MACD of -3.56 indicates Positive momentum. The RSI at 19.09 is Positive, neither overbought nor oversold. The STOCH value of 2.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CAPTRUST.

Capital Trust Ltd. (India) Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAIDFIN	64 Neutral	₹1.24B	8.66	―	0.96%	27.19%	73.43%
IITL	52 Neutral	₹4.17B	36.59	―	―	-90.21%	-106.42%
MAHAPEXLTD	49 Neutral	₹1.36B	4.29	―	―	-6.94%	-97.47%
YAARI	44 Neutral	₹2.10B	-3.48	―	―	―	-178.83%
TRU	44 Neutral	₹1.28B	-1.69	―	0.11%	-26.94%	-1105.24%
CAPTRUST	38 Underperform	₹1.20B	-8.48	―	―	-26.63%	-1320.85%