Capital India Finance Ltd (IN:CIFL)
:CIFL
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Capital India Finance Ltd
(CIFL)
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Rating:47Neutral
Price Target:
₹24.50
▼(-31.35% 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
Strong revenue and net income rebound
A 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.
Negative Factors
Negative and volatile operating cash flow
Persistent 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and net income rebound
A 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.
Read all positive factors
Capital India Finance Ltd (CIFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹10.09B
Dividend Yield0.05%
Average Volume (3M)96.78K
Price to Earnings (P/E)24.8
Beta (1Y)1.34
Revenue Growth-12.02%
EPS Growth2418.09%
CountryIN
Employees613
SectorFinancial
Sector Strength70
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
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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
Neutral
35.69
Price Trends
26.37
Negative
27.82
Negative
31.35
Negative
Market Momentum
-0.41
Negative
55.62
Neutral
76.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CIFL, the sentiment is Neutral. The current price of 35.69 is above the 20-day moving average (MA) of 24.27, above the 50-day MA of 26.37, and above the 200-day MA of 31.35, indicating a neutral trend. The MACD of -0.41 indicates Negative momentum. The RSI at 55.62 is Neutral, neither overbought nor oversold. The STOCH value of 76.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CIFL.
Capital India Finance Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹25.86B | 7.66 | ― | ― | 22.27% | 78.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | ₹34.70B | -19.17 | ― | ― | -3.48% | ― | |
58 Neutral | ₹17.79B | 31.46 | ― | ― | -11.53% | 8.42% | |
49 Neutral | ₹15.32B | 8.75 | ― | ― | 39.48% | -8.51% | |
47 Neutral | ₹10.09B | 24.81 | ― | 0.05% | -12.02% | 2418.09% | |
47 Neutral | ₹22.58B | -2.82 | ― | ― | -56.02% | 33.35% |
* Financial Sector Average
IN:CIFL
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Capital India Finance Ltd Corporate Events
Capital India Finance CISO Gaurav Vyas Resigns Effective April 15, 2026
Apr 15, 2026
Capital India Finance Limited announced that Chief Information Security Officer and senior management member, Gaurav Vyas, has resigned from the company, with his cessation effective at the close of business on April 15, 2026. The departure repres...
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.