TruCap Finance Limited (TRU) AI Stock Analysis

• Market Cap: ₹1.45B
• Dividend Yield: 0.08%
• Average Volume (3M): 126.42K
• Price to Earnings (P/E): 13.1
• Beta (1Y): -0.67
• Revenue Growth: 9.14%
• EPS Growth: -639.84%
• Country: IN
• Employees: 772
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -5.34
• Shares Outstanding: 118,861,870
• 10 Day Avg. Volume: 94,754
• 30 Day Avg. Volume: 126,422
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: 25.43% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 46 Neutral
• Price Target: ₹14.50 ▲(25.43% 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 faces challenges with negative profitability and high debt levels. While cash flow has improved, the company's financial health is hindered by operational inefficiencies and significant leverage.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	2.00B	1.01B	1.22B	730.61M	291.80M
Gross Profit	713.03M	411.87M	411.69M	344.31M	140.01M
EBITDA	82.28M	230.49M	76.42M	150.70M	82.54M
Net Income	-592.50M	109.63M	6.31M	39.85M	13.01M
Balance Sheet
Total Assets	6.99B	9.21B	50.22B	4.72B	1.86B
Cash, Cash Equivalents and Short-Term Investments	1.00B	1.40B	38.51B	925.52M	531.37M
Total Debt	5.20B	6.86B	4.43B	2.86B	805.28M
Total Liabilities	5.37B	7.09B	48.06B	3.00B	865.74M
Stockholders Equity	1.62B	2.12B	2.16B	1.72B	999.14M
Cash Flow
Free Cash Flow	1.53B	-2.22B	-1.65B	-2.21B	-933.75M
Operating Cash Flow	1.53B	-2.12B	-1.51B	-1.85B	-803.73M
Investing Cash Flow	302.39M	304.45M	-657.74M	-731.00M	-344.42M
Financing Cash Flow	-2.46B	2.45B	1.97B	2.84B	1.45B

TruCap Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.56
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: 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 11.56 is below the 20-day moving average (MA) of 15.18, below the 50-day MA of 16.05, and below the 200-day MA of 14.04, indicating a bearish trend. The MACD of -1.22 indicates Positive momentum. The RSI at 25.71 is Positive, neither overbought nor oversold. The STOCH value of 5.35 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.48B	11.72	10.44%	3.82%	10.01%	1.29%
KEYFINSERV	67 Neutral	₹1.75B	9.55		0.40%	-37.73%	-45.60%
DELPHIFX	54 Neutral	₹2.25B	289.24		―	-40.01%	-94.89%
TRU	46 Neutral	₹1.45B	13.14		0.08%	9.14%	-639.84%

TruCap Finance Limited Corporate Events

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.