Capital India Finance Ltd (IN:CIFL)
:CIFL
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CIFL Stock Chart & Stats
₹35.69
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Market closed
₹35.69
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Day’s Range― - ―
52-Week Range₹20.50 - ₹44.50
Previous CloseN/A
VolumeN/A
Average Volume (3M)96.78K
Market Cap
₹9.19B
Enterprise Value₹15.88B
Total Cash (Recent Filing)₹2.88B
Total Debt (Recent Filing)₹7.00B
Price to Earnings (P/E)23.2
Beta1.34
Next Earnings
Aug 12, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.05%
Share Statistics
EPS (TTM)1.14
Shares Outstanding391,056,300
10 Day Avg. Volume79,320
30 Day Avg. Volume96,777
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.20
Price to Sales (P/S)1.51
P/FCF Ratio-29.62
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
Bulls Say, Bears Say
Bulls Say
Strong Revenue And Net Income ReboundA 118.4% revenue increase with meaningful FY2026 net income signals the company successfully scaled originations and improved recoveries or pricing. Sustained top-line momentum can fund provisions, rebuild reserves and support reinvestment into origination, raising durable earnings capacity if asset quality remains intact.
Branch/channel Distribution Focused On Retail And SMEsA physical branch and channel network targeting retail and small-business borrowers creates a durable origination engine and diversified loan mix. This distribution advantage lowers acquisition costs, supports cross-sell, and provides local underwriting insight, enabling steadier growth and resilience versus single-channel lenders.
Growing Equity Base Improves Loss AbsorptionAn expanding equity base strengthens capital buffers, improving the firm’s ability to absorb credit losses and meet regulatory requirements. Greater capital reduces immediate refinancing pressure, gives management flexibility to expand the loan book conservatively, and lowers the probability of urgent dilutive raises.
Bears Say
Negative And Volatile Operating Cash FlowPersistent negative operating cash flow despite accounting profits indicates weak cash conversion from lending operations, likely from collections, working-capital swings or reliance on financing. This undermines the firm's ability to self-fund growth, increases refinancing dependency, and raises sustained liquidity and solvency risk.
Operating Profitability (EBIT) Persistently NegativeConsistent negative EBIT shows core operations do not cover operating costs, implying profitability depends on non-operating items or one-offs. Without structural improvement in operating margins—through pricing, cost control or mix shift—net income gains may prove fragile and unsustainable over multiple quarters.
Elevated Leverage Typical Of Credit BusinessesA debt-to-equity ratio around 1.4x raises sensitivity to asset-quality deterioration and funding shocks. When combined with volatile cash flows and weak operating profits, elevated leverage constrains strategic flexibility, increases refinancing and interest-rate risk, and amplifies downside in adverse credit cycles.
Capital India Finance Ltd News
CIFL FAQ
What was Capital India Finance Ltd’s price range in the past 12 months?
Capital India Finance Ltd lowest stock price was ₹20.50 and its highest was ₹44.50 in the past 12 months.
What is Capital India Finance Ltd’s market cap?
Capital India Finance Ltd’s market cap is ₹9.19B.
When is Capital India Finance Ltd’s upcoming earnings report date?
Capital India Finance Ltd’s upcoming earnings report date is Aug 12, 2026 which is in 62 days.
How were Capital India Finance Ltd’s earnings last quarter?
Capital India Finance Ltd released its earnings results on May 20, 2026. The company reported ₹0 earnings per share for the quarter, the consensus estimate of N/A by ₹0.
Is Capital India Finance Ltd overvalued?
According to Wall Street analysts Capital India Finance Ltd’s price is currently Overvalued.
Does Capital India Finance Ltd pay dividends?
Capital India Finance Ltd pays a Notavailable dividend of ₹0.02 which represents an annual dividend yield of 0.05%. See more information on Capital India Finance Ltd dividends here
What is Capital India Finance Ltd’s EPS estimate?
Capital India Finance Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Capital India Finance Ltd have?
Capital India Finance Ltd has 391,056,300 shares outstanding.
What happened to Capital India Finance Ltd’s price movement after its last earnings report?
Capital India Finance Ltd reported an EPS of ₹0 in its last earnings report, expectations of N/A. Following the earnings report the stock price went down -4.18%.
Which hedge fund is a major shareholder of Capital India Finance Ltd?
Currently, no hedge funds are holding shares in IN:CIFL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Capital India Finance Ltd
Operating as a prominent non-banking financial company (NBFC) in India, Capital India Finance Limited offers a comprehensive suite of lending and foreign exchange services. Its extensive lending portfolio caters to small businesses with secured financing, equipment acquisition funding, and supply chain liquidity solutions. For individual customers, it extends a variety of retail loans, including mortgages (for purchase, improvement, extension, or for Non-Resident Indians), options for refinancing existing home loans, and credit secured by property. Beyond financing, the company also manages RapiPay, a platform offering assisted payment facilities and point-of-sale systems. Additionally, its RemitX division caters to retail foreign exchange requirements, providing services such as currency notes, international money transfers, pre-paid travel cards denominated in foreign currency, and facilitating the import and export of foreign banknotes. Established in 1994, the company, originally known as Bhilwara Tex-Fin Limited, adopted its current name in August 2017. Capital India Finance Limited is headquartered in Mumbai, India, and operates as a subsidiary of Capital India Corp Private Limited.
Technical Analysis
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