TruCap Finance Limited (TRU) AI Stock Analysis

• Market Cap: ₹1.54B
• Dividend Yield: 0.08%
• Average Volume (3M): 114.49K
• Price to Earnings (P/E): 13.1
• Beta (1Y): -0.73
• Revenue Growth: -4.18%
• EPS Growth: -772.35%
• Country: IN
• Employees: 772
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Credit Services
• EPS (TTM): -0.77
• Shares Outstanding: 118,861,870
• 10 Day Avg. Volume: 31,267
• 30 Day Avg. Volume: 114,490
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹14.50
• Price Target Upside: 12.14% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 46 Neutral
• Price Target: ₹14.50 ▲(12.14% Upside)

The overall stock score reflects the company's robust revenue growth overshadowed by negative profitability and high leverage. Despite improved cash flows, technical indicators point to bearish momentum, and valuation metrics are concerning due to significant losses.

TruCap Finance Limited Business Overview & Revenue Model

Company Description

TruCap Finance Limited (TRU) is a financial services company operating in the non-banking financial company (NBFC) sector in India. The company primarily provides small and medium enterprises (SMEs) with access to capital through various lending solutions. TruCap Finance focuses on offering secured loans, unsecured loans, and other financial products to meet the diverse needs of its clients.

How the Company Makes Money

TruCap Finance Limited generates revenue primarily through interest income earned on its loan products. The company's key revenue streams include interest from secured and unsecured loans extended to SMEs, processing fees associated with loan disbursements, and ancillary charges related to financial services. Additionally, TruCap Finance may engage in partnerships with other financial institutions to expand its service offerings and reach in the lending market, contributing to its earnings.

TruCap Finance Limited Financial Statement Overview

Summary

TruCap Finance Limited shows strong revenue growth but suffers from negative profitability and high leverage, posing risks. Recent improvements in cash flow are promising, yet operational efficiency and debt management need attention.

Income Statement

TruCap Finance Limited's revenue has shown strong growth over the years, with a significant increase from 2024 to 2025. However, profitability metrics are concerning, with negative net income and EBIT margins in the latest year, indicating operational challenges. The net profit margin is negative in 2025, reflecting a substantial loss.

Balance Sheet

The company has a high debt-to-equity ratio, indicating reliance on debt financing, which could pose risks in volatile markets. However, the equity ratio remains stable. Return on equity is negative in 2025 due to net losses, which is a concern for investors seeking profitable returns.

Cash Flow

Free cash flow has drastically improved in 2025, turning positive after several years of negative figures, which is a positive sign of cash generation capability. However, operating cash flow fluctuations and its high ratio to net income in recent years suggest potential volatility in cash management.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.15B	2.00B	1.22B	1.01B	730.61M	291.80M
Gross Profit	834.29M	713.03M	411.69M	411.87M	344.31M	140.01M
EBITDA	111.25M	82.28M	76.42M	230.49M	150.70M	82.54M
Net Income	88.61M	-592.50M	6.31M	109.63M	39.85M	13.01M
Balance Sheet
Total Assets	0.00	6.99B	50.22B	9.21B	4.72B	1.86B
Cash, Cash Equivalents and Short-Term Investments	0.00	1.00B	38.51B	1.40B	925.52M	531.37M
Total Debt	0.00	5.20B	4.43B	6.86B	2.86B	805.28M
Total Liabilities	-2.24B	5.37B	48.06B	7.09B	3.00B	865.74M
Stockholders Equity	2.24B	1.62B	2.16B	2.12B	1.72B	999.14M
Cash Flow
Free Cash Flow	0.00	1.53B	-1.65B	-2.22B	-2.21B	-933.75M
Operating Cash Flow	0.00	1.53B	-1.51B	-2.12B	-1.85B	-803.73M
Investing Cash Flow	0.00	302.39M	-657.74M	304.45M	-731.00M	-344.42M
Financing Cash Flow	0.00	-2.46B	1.97B	2.45B	2.84B	1.45B

TruCap Finance Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 12.93
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TRU, the sentiment is Neutral. The current price of 12.93 is above the 20-day moving average (MA) of 11.50, below the 50-day MA of 15.12, and below the 200-day MA of 13.19, indicating a neutral trend. The MACD of -0.81 indicates Negative momentum. The RSI at 53.34 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:TRU.

TruCap Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%
KEYFINSERV	68 Neutral	₹1.85B	7.62		0.38%	-31.36%	-30.18%
INVENTURE	51 Neutral	₹1.71B	118.98		―	-56.39%	-93.24%
DELPHIFX	47 Neutral	₹2.41B	139.95		―	-39.88%	-87.88%
TRU	46 Neutral	₹1.54B	13.14		0.08%	-4.18%	-772.35%
CAPTRUST	39 Underperform	₹994.08M	81.24		―	-3.14%	-429.98%
GANGESSECU	―	₹1.57B	28.20		―	―	―

TruCap Finance Limited Corporate Events

TruCap Finance Limited Releases Q2 2025 Financial Results

TruCap Finance Limited announced the approval of its unaudited standalone and consolidated financial results for the quarter ending June 30, 2025. This announcement, made by the Board of Directors, includes a limited review report from the company’s statutory auditors. The release of these financial results is in compliance with the Securities and Exchange Board of India’s regulations and reflects the company’s adherence to accounting standards and regulatory guidelines. This development is significant for stakeholders as it provides insights into the company’s financial health and operational performance for the specified period.

TruCap Finance to Transfer Unclaimed Dividends to IEPF

TruCap Finance Limited has announced the transfer of unclaimed dividends from the financial year 2017-2018 to the Investor Education and Protection Fund Authority by November 4, 2025. Shareholders who have not claimed their dividends are advised to submit the necessary documents to the company’s Registrar and Share Transfer Agent by October 15, 2025, to avoid the transfer.