Is Capital India Finance Ltd (CIFL) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Capital India Finance Ltd is a average quality company .

Is Capital India Finance Ltd (CIFL) undervalued or overvalued?

The key valuation ratios of Capital India Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone .

What is Capital India Finance Ltd (CIFL) share price return in the past 10 years?

Capital India Finance Ltd share price has appreciated 27.1% annually (CAGR) over the past ten years.

Is Capital India Finance Ltd (CIFL) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Capital India Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of Capital India Finance Ltd (CIFL)?

Company share prices are keep on changing according to the market conditions. The current trading price of Capital India Finance Ltd (CIFL) on 17-Apr-2026 16:01:00 at 16:01 is 29.00.

What is the P/E ratio of Capital India Finance?

The latest standalone P/E ratio of Capital India Finance as of 17-Apr-2026 is 27.59.

What is the P/B ratio of Capital India Finance Ltd (CIFL)?

The latest standalone P/B ratio of Capital India Finance Ltd (CIFL) as of 17-Apr-2026 is 1.61.

What is the 52-week high and low of Capital India Finance Ltd (CIFL)?

The 52-week high of Capital India Finance Ltd (CIFL) is Rs. 44.50 and the 52-week low is Rs. 20.50.

Capital India Finance Ltd (CIFL) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Capital India Finance Ltd (CIFL)
Brand: Capital India Finance

Capital India Finance Ltd (CIFL) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Capital India Finance Ltd (CIFL)

BSE: 530879 NSE: CIFL

Key Metrics

Market Cap

₹1,063 Cr.

Earnings Per Share (TTM)

₹0.99

P/E Ratio

27.59

Price to Book (P/B)

1.61

EV/EBITDA

41.96

Current Price

₹29

Return on Capital Employed (ROCE)

6.85%

Return on Equity (ROE)

1.93%

Return on Assets (ROA)

0.91%

Gross NPA(%)

0.00

Book Value per Share

₹16.9

Net NPA(%)

0.00

Dividend Yield

0.07%

Net Interest Income Growth (1 Year)

-7.1%

Net Interest Income Growth (3 Years)

10.91%

52-Week Low / High

₹21 / 45

Book Value Growth (1 Year)

1.93%

Book Value Growth (3 Years)

2.57%

DeciZen - make an informed investing decision on Capital India

Based on:

Data

Overall Rating ⓘ
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1. Quality

2. Valuation

3. Price Trend

Capital India Finance stock performance

Key Ratios

Is Capital India Finance Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	7.5	8.7	25.7	56.4	105	93.5	122	162	192	183	179
YoY Gr. Rt. %	-	15.8%	194.5%	119.3%	86.6%	-11.1%	30%	33%	18.9%	-4.6%	-
Adj EPS (₹ )	0	0.1	1.2	0.3	0.8	0.5	0.3	0.4	0.5	0.3	1
YoY Gr. Rt. %	-	233.3%	1110%	-76%	169%	-32.1%	-43.4%	30%	33.3%	-42.3%	-
BVPS (₹ )	1.5	1.6	2.8	13.2	13.9	14.4	14.7	15	15.5	15.8	16.9
YoY Gr. Rt. %	-	5.9%	74.7%	365.4%	5.2%	3.7%	2%	2.5%	3.3%	1.9%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0.1	0.2	1.9	2.7	4.5	2.7	1.2	1.2	1.6	0.9	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	42.6%	11.7%	14.7%	-4.6%
Adj EPS	29.2%	-17.4%	0%	-42.3%
BVPS	29.6%	2.7%	2.6%	1.9%
Share Price	27.1%	9.7%	23.3%	-19.2%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0.1	0.3	0.8	1	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	1.1	2.7	11.5	19.9	28.9	21.9	9.6	9.3	10.5	6.4	21.6
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	2.3	6.1	54.3	4.3	5.8	3.7	2.1	2.6	3.4	1.9	5.8

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	1	1
TTM Sales (₹ Cr.)	179	446
BVPS (₹) ⓘ	16.9	17.1
Reserves (₹ Cr.) ⓘ	584	588
P/BV ⓘ	1.61	1.59
PE ⓘ	27.59	27.64

From the Market
52 Week Low / High (₹)	20.50 / 44.50
All Time Low / High (₹)	0.79 / 55.68
Market Cap (₹ Cr.)	1,063
Equity (₹ Cr.)	78.2
Face Value (₹)	2
Industry PE ⓘ	29.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Capital India - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	8	9	26	57	105	95	123	164	195	184
Interest Income	8	9	26	56	105	93	122	162	192	183
Other Income ⓘ	0	0	0	3	14	1	5	1	2	5
Exceptional Items ⓘ	0	0	0	1	0	1	1	3	3	1
Expenditure ⓘ +	7	8	21	41	64	65	108	144	167	172
Interest Expense ⓘ	7	8	10	9	13	19	39	63	72	71
Operating Expenses ⓘ	0	0	10	29	37	45	64	81	94	95
Provisions	0	0	0	3	14	1	5	1	2	5
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0	0	5	16	41	29	15	20	27	13
Taxes ⓘ	0	0	2	5	11	9	3	5	7	1
Profit After Tax	0	0	3	11	30	20	12	15	20	12
Adjusted EPS (₹)	0.0	0.1	1.2	0.3	0.8	0.5	0.3	0.4	0.5	0.3
Dividend Payout Ratio (%)	0%	0%	12%	28%	3%	4%	7%	5%	4%	7%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	4	4	7	512	540	559	571	585	607	622
Share Capital ⓘ	4	4	4	78	78	78	78	78	78	78
Reserves ⓘ	0	0	3	434	462	481	493	508	529	544
Short term borrowings	48	0	0	127	76	105	493	558	259	292
Long Term Borrowings	0	138	10	10	43	117	116	74	309	371
Current Liabilities	55	2	21	154	103	131	530	611	321	367
Trade Payables	0	0	0	1	1	1	6	8	10	10
Other Liabilities	-48	-0	125	-128	-76	-106	-500	-567	-269	-301
Total Liabilities ⓘ	59	144	163	676	686	807	1,216	1,271	1,237	1,360
Assets
Non Current Asset +	4	79	41	80	144	186	208	244	1,104	1,135
Loan Asset	0	0	0	0	0	0	0	0	857	899
Other Non Current Asset ⓘ	4	79	41	80	144	186	208	244	247	236
Current Asset +	55	64	122	596	542	621	1,009	1,027	133	224
Current Investment	0	0	0	0	0	0	0	0	0	54
Other Current Asset	55	64	122	596	542	621	1,009	1,027	133	171
Total Assets ⓘ	59	144	163	676	686	807	1,216	1,271	1,237	1,360

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	4	-39	-4	-444	99	-28	-284	101	149	48
Cash Flow From Investing Activity ⓘ	0	3	-27	-38	-67	-56	-27	-67	8	-47
Cash Flow From Financing Activity ⓘ	-4	89	-6	490	-25	105	342	-43	-150	16
Net Cash Flow ⓘ	-0	53	-37	8	8	21	31	-9	7	18

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	0	1	8	1	4	3	2	2	3	0
DPS (₹)	0	0	1	0	0	0	0	0	0	0
BVPS (₹)	11	11	20	66	69	72	73	75	78	16
Performance Ratios
ROA (%)	0.1	0.2	1.9	2.7	4.5	2.7	1.2	1.2	1.6	0.9
ROE (%)	2.3	6.1	54.3	4.3	5.8	3.7	2.1	2.6	3.4	1.9
ROCE (%)	13.3	8.7	10.7	6.4	8.3	6.7	5.5	6.9	8.3	6.9
Valuation Parameters
Price/Book(x)	0.0	1.4	2.5	2.1	1.2	2.0	1.7	1.2	1.7	1.9

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Announcements

Capital India Finance Ltd FAQs

The current trading price of Capital India on 17-Apr-2026 16:01 is ₹29.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 16-Apr-2026 the market cap of Capital India stood at ₹1,062.9 Cr

The latest P/E ratio of Capital India as of 16-Apr-2026 is 27.59.

The latest P/B ratio of Capital India as of 16-Apr-2026 is 1.61.

The 52-week high of Capital India is ₹44.50 and the 52-week low is ₹20.50.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Capital India is ₹179 ( Cr.) .

About Capital India Finance Ltd

Bilwara Tex -Fin (BTFL) was incorporated in 1994. Its registered office is located at 290, Vasant Enclave, Rao Tula Ram Marg, New Delhi-110057.

Business profile:

BTFL engages in the investment activities in India. Its operations includes finance and consultancy services. The company is based in New Delhi, India. The company gets income from the sale of shares and securities, dividend, interest, and commission.

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
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Capital India Finance Ltd (CIFL) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Capital India Share Price