Capital Trust Ltd Stock Analysis

BSE: 511505 | NSE: CAPTRUST | Finance - NBFC | Small Cap

BSE Share Price Jan 25, 18:01
128.95 -1.90 (-1.45%)

DeciZen - Make an Informed Decision on Capital Trust

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity See How?

1. Quality

2. Valuation

Fair
P/E P/S EV/EBITDA

3. Price Trend

Semi Strong

FAQ's

1. Is Capital Trust Ltd a good quality company?

Data is not available for this company.

2. Is Capital Trust Ltd undervalued or overvalued?

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

3. Is Capital Trust Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Capital Trust Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Capital Trust:

Analysis of Financial Track Record

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

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.
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)5.5917.74054.511416718014510993
YoY Gr. Rt. %-64.4%96.6%126.2%36.3%109.8%46.4%7.7%-19.5%-24.7%-
Adj EPS (₹ ) 0.22.12.112.113.722.63.85.60.3-14.7-23
YoY Gr. Rt. %-758.3%1%483.7%13.1%64.2%-83.1%46.5%-94.1%-4542.4%-
BVPS (₹ )10.512.514.525.3102.9134.1136.195.39580.371.2
YoY Gr. Rt. %-19.7%16.2%74.1%306.9%30.3%1.5%-30%-0.3%-15.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)16.83.71011.19.20.91.30.1-5.70

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income39.4%14.9%-13.3%-24.7%
Adj EPS-257.9%-201.3%-256.7%-4542.4%
BVPS25.4%-4.9%-16.1%-15.5%
Share Price 13% -23.5% -15% 40.2%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)3.317.210.324.137.232.33.750.4-21.8-40.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)2.317.91864.623.819.92.84.80.4-16.7-32.4

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined -9.22 CAGR in last 3 years

Net Profit has declined -256.70 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Capital Trust Ltd.

Standalone Consolidated
TTM EPS (₹) -23 -24.2
TTM Sales (₹ Cr.) 93 95.1
BVPS (₹.) 71.2 72.1
Reserves (₹ Cr.) 100 102
P/BV 1.81 1.80
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 70.60 / 153.85
All Time Low / High (₹) 0.86 / 655.00
Market Cap (₹ Cr.) 211
Equity (₹ Cr.) 16.4
Face Value (₹) 10
Industry PE 38.7

Management X-Ray of Capital Trust :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Analyst's Notes

News

About Capital Trust Ltd

Capital Trust was incorporated in the year 1985 with an initial paid-up capital of Rs10 million. The first public issue of the company was floated in December 1985. The company also came out with a rights issue in the year 1996.

The company has been one of the pioneers in offering consultancy services to foreign banks, not having their own branches or representative office. Since its inception the company has represented many foreign banks. The company presently represents Banco Popular Espanol, which is the third largest banking group in Spain.The company has primarily been in the business of hire purchase/leasing of plant and machinery, two wheelers and other assets.

The company started retailing 2 wheelers after it was allotted the dealership of Honda Motorcycle & Scooter India in August 2004. However, in December 2007 the company decided to close down the dealership operations.

In May 2008, Capital Trust diversified and expanded its finance business into  joint liability group based microfinance.  Capital Trust assists poor women to set up micro enterprises by providing individual loans.

Capital Trust entered into the joint venture with Kinetic Engineering to finance all “Kinetic Honda” products in Northern India in 1991.  The venture was to exclusively finance 2-wheelers of Kinetic Honda in North India with the management control with Capital Trust. In the year 1998, when Kinetic Group wanted to consolidate its various finance companies, Capital Trust offloaded its shares in the company.

Capital Trust Limited entered into a joint venture with DBS Securities Holding Pvt. Ltd. (a Wholly Owned Subsidiary of Development Bank of Singapore - DBS Bank) for stock broking activities in India.  The company was the largest in terms of capitalisation in the securities business in the country at the time of its incorporation. The present paid-up capital of the company is Rs.75 million. The company has over 10,000  shareholders. The company's shares are listed on the Bombay Stock Exchange.

Services offered by the company

The company is engaged in the business of micro finance, insurance

Services:

  • Developing correspondent relationship of the foreign banks with Indian banks.
  • Providing assistance to facilitate business operations between foreign banks and Indian banks.
  • Promoting the services offered by the foreign banks and canvassing for documentary credit business.
  • Referring trade finance proposals.
  • Assisting foreign banks in country review, monitoring of business and investment opportunities in India.
  • Organizing visits of the executives of foreign banks to India.
  • Introducing clients of foreign banks wishing to invest in India, to Indian companies.
  • Advising procedure for obtaining licenses for joint ventures, and monitoring the interests of foreign investors.
  • Assisting clients of foreign banks to develop trade links with Indian companies.
  • Services Rendered To Indian Companies

Different divisions of the company:

International Banking

Capital Trust was one of the pioneers in developing the concept of providing consultancy & advisory services to foreign banks, not having their branches/representative offices in India.Capital Trust assists its principals in developing and servicing their correspondent banking relationship with Indian banks. The company’s services are designed to equip the foreign banks with a perceptible insight into the growing investment opportunities in the country and provide an effective platform to their customers for trade and investment.

Micro Finance

In CTL, they channel financial products and services to poor urban women through the Grameen Bank lending methodology.The traditional Grameen methodology consists of five poor rural women who form together as a group. Eight groups, typically from the same village, join to form a center. Each center has a mandatory weekly meeting. Only loans for productive purposes, housing or education, are recommended. Loan amounts are gradually increased based on a satisfactory credit history and the purpose of the loan. Repayments occur on a weekly basis and all members are required to save regularly.

Future plan:

Capital Trust plans to launch individual loans to existing clients who have graduated through multiple loan cycles.

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