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Capital India Finance Ltd (CIFL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530879 NSE: CIFL Finance - NBFC | Small Cap | Capital India Fin. Share Price
₹21.04 0.22 (1.06%)
As on 28-Aug'26 16:59
Capital India Finance Ltd (CIFL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 530879 NSE: CIFL Finance - NBFC | Small Cap | Capital India Fin. Share Price
₹21.04 0.22 (1.06%)
As on 28-Aug'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹823 Cr.
Current Price
₹21
52-Week Low / High
₹19 / 40
TTM EPS
₹1.1
Book Value per Share
₹17
P/E Ratio
18.70
Lower than its 5-year historical median
Industry PE
27.9
Price to Book (P/B)
1.24
Lower than its 5-year historical median
EV/EBITDA
30.27
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
6.33%
Return on Capital Employed (ROCE)
8.91%
Return on Assets (ROA)
2.64%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
7.54%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
6.57%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
1.32%
TTM Sales
₹223 Cr.
Reserves
₹585 Cr.
Equity
₹78.2 Cr.
Face Value
₹2
All Time Low / High
₹0.79 / 55.68
Check Before You Invest
Quality
Not GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Capital India Finance Ltd a good quality company?
Capital India Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Capital India Finance Ltd performance compare with that of its Peers?
AUM Growth of Capital India Finance Ltd vs Industry Peers?
Capital India Finance Ltd AUM CAGR is 16.08%, compared to the 5-year industry median CAGR of 10.14%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Capital India Finance Ltd?
Promoters hold 72.59% of the Capital India Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Capital India Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 24% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Capital India Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 8.7 | 25.7 | 56.4 | 105 | 93.5 | 122 | 162 | 192 | 205 | 227 | 223 | |
| YoY Gr. Rt. % | - | 194.4% | 119.3% | 86.6% | -11.1% | 30% | 33% | 18.9% | 6.7% | 10.7% | - | |
| Adj EPS (₹ ) | 0.1 | 1.2 | 0.3 | 0.8 | 0.5 | 0.3 | 0.4 | 0.5 | 0.3 | 1 | 1.1 | |
| YoY Gr. Rt. % | - | 1110% | -76% | 169% | -32.1% | -43.4% | 30% | 33.3% | -42.3% | 243.3% | - | |
| BVPS (₹ ) | 1.6 | 2.8 | 13.2 | 13.9 | 14.4 | 14.7 | 15 | 15.5 | 15.8 | 16.9 | 17 | |
| YoY Gr. Rt. % | - | 74.7% | 365.4% | 5.2% | 3.7% | 2% | 2.5% | 3.3% | 1.9% | 6.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.2 | 1.9 | 2.7 | 4.5 | 2.7 | 1.2 | 1.2 | 1.6 | 0.9 | 2.6 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 43.6% | 19.4% | 12% | 10.7% | ||||
| Adj EPS | 29.6% | 14.2% | 38.2% | 243.3% | ||||
| BVPS | 29.7% | 3.3% | 3.9% | 6.6% | ||||
| Share Price | 24% | -1.8% | -3.3% | -37.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0.1 | 0.3 | 0.8 | 1 | 0 | - | |
| 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 (%) | 2.7 | 11.5 | 19.9 | 28.9 | 21.9 | 9.6 | 9.3 | 10.5 | 5.8 | 17.8 | 19.8 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 6.1 | 54.3 | 4.3 | 5.8 | 3.7 | 2.1 | 2.6 | 3.4 | 1.9 | 6.3 | 6.7 | |
Valuation of Capital India Fin. - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 9 | 26 | 57 | 105 | 95 | 123 | 164 | 195 | 206 | 230 |
| Exceptional Items ⓘ | 0 | 0 | 1 | 0 | 1 | 1 | 3 | 3 | 1 | 3 |
| Expenditure ⓘ + | 8 | 21 | 41 | 64 | 65 | 108 | 144 | 167 | 193 | 282 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 98 |
| Profit Before Tax ⓘ | 0 | 5 | 16 | 41 | 29 | 15 | 20 | 27 | 13 | 45 |
| Taxes ⓘ | 0 | 2 | 5 | 11 | 9 | 3 | 5 | 7 | 1 | 5 |
| Profit After Tax | 0 | 3 | 11 | 30 | 20 | 12 | 15 | 20 | 12 | 40 |
| Adjusted EPS (₹) | 0.1 | 1.2 | 0.3 | 0.8 | 0.5 | 0.3 | 0.4 | 0.5 | 0.3 | 1.0 |
| Dividend Payout Ratio (%) | 0% | 11.90% | 27.80% | 2.60% | 3.80% | 6.70% | 5.20% | 3.90% | 6.60% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 4 | 7 | 512 | 540 | 559 | 571 | 585 | 607 | 622 | 669 |
| Short term borrowings | 0 | 0 | 127 | 76 | 105 | 493 | 558 | 259 | 292 | 380 |
| Long Term Borrowings | 138 | 10 | 10 | 43 | 117 | 116 | 74 | 309 | 371 | 557 |
| Current Liabilities | 2 | 21 | 154 | 103 | 131 | 530 | 611 | 321 | 367 | 475 |
| Trade Payables | 0 | 0 | 1 | 1 | 1 | 6 | 8 | 10 | 10 | 15 |
| Other Liabilities | -0 | 125 | -128 | -76 | -106 | -500 | -567 | -269 | -301 | -395 |
| Total Liabilities ⓘ | 144 | 163 | 676 | 686 | 807 | 1,216 | 1,271 | 1,237 | 1,360 | 1,701 |
Assets | ||||||||||
| Non Current Asset + | 79 | 41 | 80 | 144 | 186 | 208 | 244 | 1,104 | 1,135 | 1,230 |
| Current Asset + | 64 | 122 | 596 | 542 | 621 | 1,009 | 1,027 | 133 | 224 | 471 |
| Total Assets ⓘ | 144 | 163 | 676 | 686 | 807 | 1,216 | 1,271 | 1,237 | 1,360 | 1,701 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -39 | -4 | -444 | 99 | -28 | -284 | 101 | 149 | -98 | -386 |
| Cash Flow From Investing Activity ⓘ | 3 | -27 | -38 | -67 | -56 | -27 | -67 | 8 | 99 | 274 |
| Cash Flow From Financing Activity ⓘ | 89 | -6 | 490 | -25 | 105 | 342 | -43 | -150 | 17 | 186 |
| Net Cash Flow ⓘ | 53 | -37 | 8 | 8 | 21 | 31 | -9 | 7 | 18 | 75 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 0.70 | 8.40 | 1.40 | 3.90 | 2.60 | 1.50 | 1.90 | 2.60 | 0.30 | 1 |
| DPS (₹) | 0 | 1 | 0.40 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0 | 0 |
| BVPS (₹) | 11.3 | 19.7 | 65.9 | 69.3 | 71.9 | 73.3 | 75.2 | 77.6 | 15.8 | 16.9 |
Performance Ratios | ||||||||||
| ROA (%) | 0.2 | 1.9 | 2.7 | 4.5 | 2.7 | 1.2 | 1.2 | 1.6 | 0.9 | 2.6 |
| ROE (%) | 6.1 | 54.3 | 4.3 | 5.8 | 3.7 | 2.1 | 2.6 | 3.4 | 1.9 | 6.3 |
| ROCE (%) | 8.7 | 10.7 | 6.4 | 8.3 | 6.7 | 5.5 | 6.9 | 8.3 | 6.9 | 8.9 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.4 | 2.5 | 2.1 | 1.2 | 2.0 | 1.7 | 1.2 | 1.7 | 1.9 | 1.2 |
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Capital India Finance Ltd FAQs
The current trading price of Capital India Fin. on 28-Aug-2026 16:59 is ₹21.04.
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 27-Aug-2026 the market cap of Capital India Fin. stood at ₹822.8 Cr
The latest P/E ratio of Capital India Fin. as of 27-Aug-2026 is 18.70.
The latest P/B ratio of Capital India Fin. as of 27-Aug-2026 is 1.24.
The 52-week high of Capital India Fin. is ₹40.00 and the 52-week low is ₹18.90.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Capital India Fin. is ₹223 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Capital India Finance Ltd is a below average quality company.
The key valuation ratios of Capital India Finance Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Capital India Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
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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