TruCap Finance Limited (IN:TRU)
:TRU
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TruCap Finance Limited
(TRU)
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Rating:41Neutral
Price Target:
₹5.50
▼(-35.90% Downside)
Action:Reiterated
Date:05/27/26
The score is driven primarily by weak financial performance, including a sharp FY2026 revenue decline, deeper losses, high leverage, and a return to negative cash flow. Technicals are also soft with the price below key moving averages and negative MACD, while valuation signals ongoing earnings risk due to a negative P/E and no dividend support.
Positive Factors
Specialized non-bank lending model
A focused non-bank lending franchise addresses credit gaps underserved by banks and can generate recurring interest and fee income. This specialization supports a durable revenue base and product-led customer relationships if credit underwriting and pricing discipline are maintained over time.
Negative Factors
Elevated leverage and compressed equity
Very high debt-to-equity (~6.5x) materially reduces financial flexibility and increases insolvency risk if losses persist. A compressed equity base leaves limited loss-absorbing capacity, making capital raises or asset sales more likely and constraining long-term strategic options.
Read all positive and negative factors
Positive Factors
Negative Factors
Specialized non-bank lending model
A focused non-bank lending franchise addresses credit gaps underserved by banks and can generate recurring interest and fee income. This specialization supports a durable revenue base and product-led customer relationships if credit underwriting and pricing discipline are maintained over time.
Read all positive factors
TruCap Finance Limited (TRU) vs. iShares MSCI India ETF (INDA)
Market Cap
₹698.91M
Dividend Yield0.12%
Average Volume (3M)68.05K
Price to Earnings (P/E)―
Beta (1Y)0.14
Revenue Growth-51.04%
EPS Growth-71.19%
CountryIN
Employees772
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-9.13
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)1.08
Price to Sales (P/S)0.64
P/FCF Ratio-2.14
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 is an Indian non-banking financial institution primarily engaged in offering diverse lending solutions across the country. The company's operations are divided into two key areas: managing its own funds for financing activit...
TruCap Finance Limited Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
28
Negative
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.37B | 856.43M | 1.92B | 1.59B | 1.21B | 730.61M |
| Gross Profit | 409.02M | -79.34M | 731.76M | 411.87M | 459.08M | 344.31M |
| EBITDA | -792.07M | -1.45B | -353.53M | 230.49M | 131.86M | 150.70M |
| Net Income | -1.03B | -1.13B | -592.50M | 109.63M | 6.31M | 39.85M |
Balance Sheet | ||||||
| Total Assets | 4.49B | 3.92B | 6.99B | 9.21B | 6.71B | 4.72B |
| Cash, Cash Equivalents and Short-Term Investments | 258.66M | 184.15M | 737.08M | 1.40B | 38.51B | 925.52M |
| Total Debt | 3.26B | 3.31B | 5.20B | 6.86B | 4.43B | 2.86B |
| Total Liabilities | 3.42B | 3.41B | 5.37B | 7.09B | 4.55B | 3.00B |
| Stockholders Equity | 1.08B | 510.02M | 1.62B | 2.12B | 2.16B | 1.72B |
Cash Flow | ||||||
| Free Cash Flow | 1.27B | -256.56M | 1.53B | -2.22B | -1.65B | -2.21B |
| Operating Cash Flow | 1.27B | -256.19M | 1.53B | -2.12B | -1.51B | -1.85B |
| Investing Cash Flow | 418.30M | 2.11B | 302.39M | 304.45M | -657.74M | -731.00M |
| Financing Cash Flow | -2.02B | -2.16B | -2.46B | 2.45B | 1.97B | 2.84B |
TruCap Finance Limited Technical Analysis
Negative
8.58
Price Trends
6.06
Negative
6.28
Negative
7.98
Negative
Market Momentum
-0.09
Negative
47.12
Neutral
76.71
Neutral
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 5.79, above the 50-day MA of 6.06, and above the 200-day MA of 7.98, indicating a bearish trend. The MACD of -0.09 indicates Negative momentum. The RSI at 47.12 is Neutral, neither overbought nor oversold. The STOCH value of 76.71 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹2.73B | 11.55 | ― | 0.09% | 45.67% | 128.41% | |
62 Neutral | ₹618.45M | 23.12 | ― | ― | 78.70% | 2090.59% | |
55 Neutral | ₹6.61B | 14.58 | ― | 0.71% | 31.69% | 19.92% | |
49 Neutral | ₹4.91B | 352.16 | ― | ― | 16.52% | -4.17% | |
46 Neutral | ₹633.52M | -0.98 | ― | ― | -55.88% | -3929.98% | |
41 Neutral | ₹698.91M | -0.46 | ― | 0.12% | -51.04% | -71.19% |
* Financial Sector Average
IN:TRU
TruCap Finance Limited
5.78
-10.09
-63.58%
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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.