Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]
Business Overview:[1]CIFL is an integrated financial services platform offering customized finance solutions. It provides loans against property to SME/MSME segments and offers corporate/structured finance loans. The company now focuses on the SME business class, expanding from its earlier focus on commercial real estate.
| S.No. | Name | Current Price (Rs.) | Price to Earning | Market Capitalization (Rs.Cr.) | Dividend yield (%) | Net Profit latest quarter (Rs.Cr.) | YOY Quarterly profit growth (%) | Sales latest quarter (Rs.Cr.) | YOY Quarterly sales growth (%) | Return on capital employed (%) | Sales (Rs.Cr.) | OPM (%) | Profit after tax (Rs.Cr.) | Profit after tax latest quarter (Rs.Cr.) | Price to book value | Return on assets (%) | Debt to equity |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Finance | 945.95 | 32.16 | 588615.67 | 0.47 | 4947.76 | 21.89 | 20178.90 | 18.06 | 11.35 | 76194.74 | 68.48 | 18301.08 | 4875.36 | 5.70 | 3.99 | 3.85 |
| 2. | Shriram Finance | 981.10 | 21.07 | 184592.82 | 1.01 | 2314.16 | 12.22 | 11912.44 | 18.07 | 10.95 | 45601.30 | 72.59 | 8760.03 | 2314.22 | 3.05 | 3.04 | 3.87 |
| 3. | Muthoot Finance | 3938.10 | 21.65 | 158102.30 | 0.66 | 2411.65 | 90.36 | 7282.79 | 47.76 | 13.19 | 24544.40 | 75.96 | 7303.69 | 2420.63 | 4.82 | 4.67 | 3.76 |
| 4. | Tata Capital | 354.90 | 40.94 | 150650.40 | 0.00 | 1118.97 | 2.01 | 7737.18 | 7.69 | 9.58 | 28323.85 | 71.64 | 3658.33 | 1097.32 | – | 1.72 | 5.88 |
| 5. | Cholaman.Inv.&Fn | 1689.50 | 30.70 | 142596.70 | 0.12 | 1159.61 | 19.82 | 7491.38 | 19.76 | 10.34 | 28536.73 | 69.18 | 4645.19 | 1159.61 | 5.48 | 2.38 | 7.23 |
| 6. | SBI Cards | 846.50 | 41.99 | 80551.03 | 0.30 | 444.77 | 9.98 | 4960.98 | 12.21 | 10.40 | 19130.54 | 27.49 | 1918.14 | 444.77 | 5.45 | 3.10 | 3.33 |
| 7. | L&T Finance Ltd | 295.80 | 27.44 | 74038.06 | 0.93 | 734.88 | 5.64 | 4335.75 | 7.87 | 8.71 | 16715.82 | 60.77 | 2698.51 | 734.84 | 2.81 | 2.37 | 3.72 |
| 8. | Capital India | 34.67 | – | 1351.12 | 0.06 | 37.70 | -1777.57 | 40.69 | -14.41 | 6.83 | 175.88 | 20.37 | -49.69 | -53.85 | 2.04 | 0.93 | 1.04 |
| – | Median: 95 Co. | 129.6 | 21.52 | 504.73 | 0.0 | 7.34 | 11.92 | 40.69 | 12.79 | 9.02 | 168.08 | 57.64 | 18.08 | 6.37 | 1.97 | 3.04 | 0.78 |
Standalone figures in ₹ crores
| Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 38.40 | 41 | 42 | 40 | 50 | 56 | 50 | 46 | 46 | 48 | 47 | 43 | 45 | 41 |
Expenses | 16.12 | 18 | 18 | 18 | 21 | 28 | 27 | 20 | 24 | 25 | 22 | 21 | 24 | 73 |
Operating Profit | 22.28 | 24 | 23 | 22 | 29 | 28 | 23 | 25 | 22 | 23 | 25 | 22 | 22 | -33 |
Other Income | 0.20 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 98 |
Profit before tax | 4.48 | 6 | 6 | 4 | 8 | 8 | 4 | 7 | 3 | 4 | 4 | 1 | 0 | 44 |
Tax % | 27.68% | 27% | 18% | 26% | 25% | 30% | 26% | 27% | -34% | 27% | 24% | 11% | 8% | 14% |
Net Profit | 3.24 | 4 | 5 | 3 | 6 | 6 | 3 | 5 | 5 | 3 | 3 | 1 | 0 | 38 |
EPS in Rs | 0.08 | 0.11 | 0.12 | 0.08 | 0.16 | 0.14 | 0.08 | 0.14 | 0.12 | 0.08 | 0.08 | 0.03 | 0.00 | 0.97 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Sales | 2 | 4 | 8 | 9 | 26 | 56 | 105 | 93 | 123 | 162 | 192 | 183 | 176 |
Expenses | 0 | 0 | 0 | 0 | 10 | 24 | 43 | 36 | 55 | 70 | 87 | 90 | 140 |
Operating Profit | 1 | 4 | 7 | 8 | 15 | 32 | 62 | 58 | 68 | 92 | 106 | 93 | 36 |
Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -2 | 2 | 2 | 1 | 99 |
Interest | 1 | 4 | 7 | 8 | 10 | 9 | 13 | 19 | 39 | 63 | 72 | 71 | 76 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 7 | 8 | 9 | 12 | 10 | 9 | 9 | 9 |
Profit before tax | 0 | 0 | 0 | 0 | 5 | 16 | 41 | 29 | 15 | 20 | 27 | 13 | 49 |
Net Profit | 0 | 0 | 0 | 0 | 3 | 11 | 30 | 20 | 12 | 15 | 20 | 12 | 42 |
EPS in Rs | 0.02 | 0.03 | 0.03 | 0.08 | 0.94 | 0.29 | 0.78 | 0.53 | 0.30 | 0.39 | 0.52 | 0.30 | 1.08 |
Dividend Payout % | 0% | 0% | 0% | 0% | 12% | 28% | 3% | 4% | 7% | 5% | 4% | 7% | – |
Standalone figures in ₹ crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 4 | 4 | 4 | 4 | 4 | 78 | 78 | 78 | 78 | 78 | 78 | 78 | 78 |
Reserves | -0 | 0 | 0 | 0 | 128 | 434 | 462 | 481 | 493 | 508 | 529 | 544 | 584 |
Borrowings | 12 | 53 | 48 | 138 | 7 | 132 | 116 | 243 | 633 | 652 | 577 | 673 | 690 |
Other Liabilities | 3 | 3 | 7 | 2 | 16 | 26 | 17 | 9 | 18 | 40 | 60 | 72 | 77 |
Total Liabilities | 18 | 59 | 59 | 144 | 154 | 670 | 672 | 812 | 1,222 | 1,277 | 1,243 | 1,367 | 1,429 |
Fixed Assets | 0 | 0 | 0 | 0 | 8 | 25 | 20 | 27 | 31 | 23 | 20 | 22 | 18 |
Gross Block | 0.00 | 0.00 | 0.00 | 0.00 | 8.75 | 34.39 | 36.93 | 52.70 | 49.89 | 52.53 | 57.78 | 66.84 | – |
Accumulated Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.43 | 9.01 | 16.71 | 25.94 | 19.03 | 29.28 | 37.32 | 44.91 | – |
CWIP | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 2 | 0 | 0 | 1 | 0 | 0 |
Investments | 3 | 3 | 3 | 0 | 15 | 45 | 112 | 152 | 166 | 211 | 176 | 230 | 218 |
Other Assets | 15 | 56 | 56 | 144 | 129 | 598 | 540 | 632 | 1,025 | 1,043 | 1,046 | 1,115 | 1,193 |
Total Assets | 18 | 59 | 59 | 144 | 154 | 670 | 672 | 812 | 1,222 | 1,277 | 1,243 | 1,367 | 1,429 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operating Activity | -3 | -41 | 4 | -39 | -4 | -444 | 99 | -20 | -284 | 101 | 149 | 48 |
Cash from Investing Activity | 0 | 0 | 0 | 3 | -27 | -38 | -67 | -56 | -27 | -67 | 8 | -47 |
Cash from Financing Activity | 3 | 41 | -4 | 89 | -6 | 490 | -25 | 98 | 342 | -43 | -150 | 16 |
Net Cash Flow | 0 | 0 | -0 | 53 | -37 | 8 | 8 | 21 | 31 | -9 | 7 | 18 |
Standalone Figures in ₹ Crores / Yearly
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0 | 0 | 0 | 17 | 5 | 0 | 0 | 1 | 2 | 8 | 13 | 20 |
Inventory Days | – | – | – | – | – | – | – | – | – | – | – | – |
Days Payable | – | – | – | – | – | – | – | – | – | – | – | – |
Cash Conversion Cycle | 0 | 0 | 0 | 17 | 5 | 0 | 0 | 1 | 2 | 8 | 13 | 20 |
Working Capital Days | 434 | 25 | -2 | 387 | 1,196 | -52 | -35 | 14 | 5 | -25 | -48 | -48 |
ROCE % | 10% | 12% | 13% | 9% | 11% | 6% | 8% | 7% | 6% | 7% | 8% | 7% |
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Stock Analysis
Capital India Finance Limited is a non-banking financial company operating in lending, forex, and fintech services, with a strategic focus on MSME and retail customer segments with a strategic outlook on diversified financial solutions.
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