TruCap Finance Limited (IN:TRU)
:TRU
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TruCap Finance Limited
(TRU)
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Rating:51Neutral
Price Target:
₹5.00
▼(-41.72% Downside)
Action:ReiteratedDate:03/14/26
The score is held back primarily by weak financial quality (losses and high leverage) and bearish technicals (below major moving averages with negative MACD). Improved free cash flow and a high dividend yield provide partial support but do not fully offset the profitability and trend risks.
Positive Factors
Revenue growth trend
Reported strong revenue growth (noted as a significant increase from 2024 to 2025) indicates rising demand and expanding core lending or credit services. Sustained top-line expansion over multiple periods supports scale, absorbs fixed costs, and underpins durable business model improvement.
Negative Factors
Negative profitability margins
Negative net income and EBIT margins indicate the business is not yet generating operating profits to sustain growth internally. Continued losses erode retained earnings, reduce ability to reinvest, and increase dependency on external capital, creating a persistent profitability risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth trend
Reported strong revenue growth (noted as a significant increase from 2024 to 2025) indicates rising demand and expanding core lending or credit services. Sustained top-line expansion over multiple periods supports scale, absorbs fixed costs, and underpins durable business model improvement.
Read all positive factors
TruCap Finance Limited (TRU) vs. iShares MSCI India ETF (INDA)
Market Cap
₹559.84M
Dividend Yield0.12%
Average Volume (3M)68.05K
Price to Earnings (P/E)―
Beta (1Y)-0.28
Revenue Growth-26.94%
EPS Growth-1105.24%
CountryIN
Employees772
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-3.57
Shares Outstanding118,861,870
10 Day Avg. Volume65,470
30 Day Avg. Volume68,053
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.55
Price to Sales (P/S)0.47
P/FCF Ratio0.59
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
TruCap Finance Limited Business Overview & Revenue Model
Company Description
TruCap Finance Limited, a non-banking finance company, engages in the lending business in India. The company operates in two segments, Fund based Activities and Advisory services. It offers micro enterprise loans, SME loans, other structured busin...
How the Company Makes Money
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TruCap Finance Limited Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
50
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.37B | 1.92B | 1.59B | 1.21B | 730.61M | 291.80M |
| Gross Profit | 409.02M | 731.76M | 411.87M | 459.08M | 344.31M | 140.01M |
| EBITDA | -792.07M | -353.53M | 230.49M | 131.86M | 150.70M | 42.08M |
| Net Income | -1.03B | -592.50M | 109.63M | 6.31M | 39.85M | 13.01M |
Balance Sheet | ||||||
| Total Assets | 4.49B | 6.99B | 9.21B | 6.71B | 4.72B | 1.86B |
| Cash, Cash Equivalents and Short-Term Investments | 258.66M | 737.08M | 1.40B | 38.51B | 925.52M | 531.37M |
| Total Debt | 3.26B | 5.20B | 6.86B | 4.43B | 2.86B | 805.28M |
| Total Liabilities | 3.42B | 5.37B | 7.09B | 4.55B | 3.00B | 865.74M |
| Stockholders Equity | 1.08B | 1.62B | 2.12B | 2.16B | 1.72B | 999.14M |
Cash Flow | ||||||
| Free Cash Flow | 1.27B | 1.53B | -2.22B | -1.65B | -2.21B | -933.75M |
| Operating Cash Flow | 1.27B | 1.53B | -2.12B | -1.51B | -1.85B | -803.73M |
| Investing Cash Flow | 418.30M | 302.39M | 304.45M | -657.74M | -731.00M | -344.42M |
| Financing Cash Flow | -2.02B | -2.46B | 2.45B | 1.97B | 2.84B | 1.45B |
TruCap Finance Limited Technical Analysis
Negative
8.58
Price Trends
6.75
Negative
7.73
Negative
10.59
Negative
Market Momentum
-0.38
Positive
24.13
Positive
0.84
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TRU, the sentiment is Negative. The current price of 8.58 is above the 20-day moving average (MA) of 6.20, above the 50-day MA of 6.75, and below the 200-day MA of 10.59, indicating a bearish trend. The MACD of -0.38 indicates Positive momentum. The RSI at 24.13 is Positive, neither overbought nor oversold. The STOCH value of 0.84 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:TRU.
TruCap Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹1.25B | 10.11 | ― | 0.31% | -57.76% | -68.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | ₹1.04B | 23.11 | ― | ― | -3.92% | -77.96% | |
51 Neutral | ₹559.84M | -0.53 | ― | 0.12% | -26.94% | -1105.24% | |
50 Neutral | ₹882.00M | 9.72 | ― | ― | -53.21% | -78.00% | |
43 Neutral | ₹1.96B | 2,309.57 | ― | ― | -34.90% | -69.02% | |
38 Underperform | ₹510.31M | -3.45 | ― | ― | -26.63% | -1320.85% |
* Financial Sector Average
IN:TRU
TruCap Finance Limited
4.71
-2.88
-37.94%
IN:CAPTRUST
Capital Trust Ltd. (India)
11.10
-46.18
-80.62%
IN:DELPHIFX
Delphi World Money Limited
8.00
0.96
13.65%
IN:GANGESSECU
Ganges Securities Ltd.
103.50
-36.70
-26.18%
IN:INVENTURE
Inventure Growth & Securities Ltd.
0.84
-0.60
-41.67%
IN:KEYFINSERV
Keynote Financial Services Limited
224.40
-60.45
-21.22%
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.