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Capital India Finance Ltd
(CIFL)
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Rating:47Neutral
Price Target:
₹21.50
▼(-39.76% Downside)
Action:Reiterated
Date:05/24/26
The score is held back primarily by weak cash conversion (negative FY2026 operating/free cash flow) and persistent negative EBIT despite a strong FY2026 revenue and net-income rebound. Technicals add further pressure with the price below key moving averages and negative MACD, while valuation is mixed: a high dividend yield helps, but a negative P/E reduces valuation support.
Positive Factors
Clear lending business model
As an NBFC focused on retail/business lending, CIFL earns recurring interest and fee income. A lending franchise yields durable, contract-like cashflows tied to loan portfolios; with disciplined underwriting, this business model supports long-term revenue visibility and scale benefits.
Negative Factors
Persistent negative operating profit (EBIT)
Consistently negative EBIT means core operations fail to cover operating expenses long-term, signaling structural margin issues. Reliance on non-operating gains or one-off items to report net income raises sustainability concerns until operating efficiencies or pricing improvements restore positive EBIT.
Read all positive and negative factors
Positive Factors
Negative Factors
Clear lending business model
As an NBFC focused on retail/business lending, CIFL earns recurring interest and fee income. A lending franchise yields durable, contract-like cashflows tied to loan portfolios; with disciplined underwriting, this business model supports long-term revenue visibility and scale benefits.
Read all positive factors
Capital India Finance Ltd (CIFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹8.61B
Dividend Yield0.05%
Average Volume (3M)96.78K
Price to Earnings (P/E)22.1
Beta (1Y)1.36
Revenue Growth-12.02%
EPS Growth2418.09%
CountryIN
Employees613
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
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
Capital India Finance Ltd Business Overview & Revenue Model
Company Description
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 fi...
How the Company Makes Money
CIFL primarily makes money through its lending business. Its core revenue stream is interest income earned on loans and other credit facilities it extends to customers. Additional earnings can come from fees and charges linked to lending (such as ...
Capital India Finance Ltd Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
54
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.44B | 5.33B | 5.75B | 6.49B | 6.30B | 5.12B |
| Gross Profit | 340.11M | 1.57B | 944.62M | 1.01B | 742.28M | 1.98B |
| EBITDA | 171.56M | 683.75M | 253.02M | 352.95M | -492.64M | 193.06M |
| Net Income | 442.30M | 388.91M | 15.48M | 116.48M | -415.71M | -27.68M |
Balance Sheet | ||||||
| Total Assets | 16.01B | 18.46B | 18.53B | 18.01B | 17.95B | 16.26B |
| Cash, Cash Equivalents and Short-Term Investments | 2.88B | 3.17B | 3.19B | 3.12B | 3.46B | 3.45B |
| Total Debt | 7.00B | 9.61B | 9.96B | 8.99B | 9.24B | 7.64B |
| Total Liabilities | 9.07B | 11.55B | 11.99B | 11.41B | 11.39B | 9.32B |
| Stockholders Equity | 6.71B | 6.73B | 6.28B | 6.23B | 6.06B | 6.21B |
Cash Flow | ||||||
| Free Cash Flow | -132.06M | -272.16M | 21.22M | 990.28M | -742.88M | -3.49B |
| Operating Cash Flow | -74.35M | -217.60M | 125.29M | 1.21B | -231.23M | -3.13B |
| Investing Cash Flow | 1.08B | -1.34B | -608.12M | 13.74M | -161.15M | -1.10B |
| Financing Cash Flow | -330.93M | 2.26B | -267.48M | -1.24B | 802.59M | 4.80B |
Capital India Finance Ltd Technical Analysis
Negative
35.69
Price Trends
24.70
Negative
26.10
Negative
30.29
Negative
Market Momentum
-0.83
Positive
31.07
Neutral
8.16
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CIFL, the sentiment is Negative. The current price of 35.69 is above the 20-day moving average (MA) of 23.41, above the 50-day MA of 24.70, and above the 200-day MA of 30.29, indicating a bearish trend. The MACD of -0.83 indicates Positive momentum. The RSI at 31.07 is Neutral, neither overbought nor oversold. The STOCH value of 8.16 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CIFL.
Capital India Finance Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹29.27B | 8.81 | ― | ― | 22.27% | 78.47% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹20.62B | 36.39 | ― | ― | -11.53% | 8.42% | |
55 Neutral | ₹41.61B | 41.22 | ― | ― | -3.48% | ― | |
49 Neutral | ₹14.79B | 6.87 | ― | ― | 39.48% | -8.51% | |
47 Neutral | ₹8.61B | 22.06 | ― | 0.05% | -12.02% | 2418.09% | |
47 Neutral | ₹26.70B | -3.28 | ― | ― | -56.02% | 33.35% |
* General Sector Average
IN:CIFL
Capital India Finance Ltd
21.62
-14.55
-40.23%
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-45.49%
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.