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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||5.5||9||17.7||40||54.5||114||167||180||145||109||93|
|YoY Gr. Rt. %||-||64.4%||96.6%||126.2%||36.3%||109.8%||46.4%||7.7%||-19.5%||-24.7%||-|
|Adj EPS (₹ )||0.2||2.1||2.1||12.1||13.7||22.6||3.8||5.6||0.3||-14.7||-23|
|YoY Gr. Rt. %||-||758.3%||1%||483.7%||13.1%||64.2%||-83.1%||46.5%||-94.1%||-4542.4%||-|
|BVPS (₹ )||10.5||12.5||14.5||25.3||102.9||134.1||136.1||95.3||95||80.3||71.2|
|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 (%)||1||6.8||3.7||10||11.1||9.2||0.9||1.3||0.1||-5.7||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||39.4%||14.9%||-13.3%||-24.7%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'12||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||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||0||0||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||-|
|Net Profit Margin (%)||3.3||17.2||10.3||24.1||37.2||32.3||3.7||5||0.4||-21.8||-40.5|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||2.3||17.9||18||64.6||23.8||19.9||2.8||4.8||0.4||-16.7||-32.4|
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
|TTM EPS (₹)||-23||-24.2|
|TTM Sales (₹ Cr.)||93||95.1|
|BVPS (₹.) ⓘ||71.2||72.1|
|Reserves (₹ Cr.) ⓘ||100||102|
|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|
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 â€œKinetic Hondaâ€ 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
Developing correspondent relationship of the foreign banks with Indian banks.
Different divisions of the company:
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 companyâ€™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.
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.
Capital Trust plans to launch individual loans to existing clients who have graduated through multiple loan cycles.