TruCap Finance Ltd - Stock Valuation and Financial Performance

BSE: 540268 | NSE: TRU | Finance Term Lending | Small Cap

TruCap Finance Share Price

6.91 0.02 0.29%
as on 29-Apr'25 16:59

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TruCap Finance stock performance -

mw4me loader
P/E Ratio (SA):
8.34
Market Cap:
80.8 Cr.
52-wk low:
6.8
52-wk high:
73.5

Is TruCap Finance Ltd an attractive stock to invest in?

1. Is TruCap Finance Ltd a good quality company?

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

2. Is TruCap Finance Ltd undervalued or overvalued?

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

3. Is TruCap Finance Ltd a good buy now?

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

10 Year X-Ray of TruCap Finance:

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 end

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.
TruCap Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)0.21.81.311.62119.12469.8124161202
YoY Gr. Rt. %-1106.7%-30.9%825.6%81.9%-9.2%25.4%191.5%77.4%30%-
Adj EPS (₹ ) 0001.10.70.60.10.80.510.8
YoY Gr. Rt. %-100%-100%NA-37.1%-7.6%-85.3%822.2%-42.2%108.3%-
BVPS (₹ )2.22.22.23.34.14.31218.918.217.619.9
YoY Gr. Rt. %--0.9%0%47.3%24.8%4.4%181.5%57.2%-3.4%-3.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.20.90.112.87.97.70.62.211.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income117.2%50.2%88.8%30%
Adj EPS66.8%8.7%123.1%108.3%
BVPS25.7%33.9%13.6%-3.6%
Share Price - -10.3% -58.6% -90.1%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000001.522.70-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)15.24.50.635.32121.52.910.64.57.34.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.510.138.32214.61.15.72.95.64.2

Recent Performance Summary

Total Income has increased 88.75 CAGR in last 3 years

Net Profit has increased 123.14 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 4.40%

Latest Financials - TruCap Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.8 0.8
TTM Sales (₹ Cr.) 202 203
BVPS (₹.) 19.9 19.3
Reserves (₹ Cr.) 210 202
P/BV 0.35 0.36
PE 8.34 9.12
From the Market
52 Week Low / High (₹) 6.75 / 73.50
All Time Low / High (₹) 2.50 / 187.50
Market Cap (₹ Cr.) 80.8
Equity (₹ Cr.) 23.4
Face Value (₹) 2
Industry PE 10.9

Management X-Ray of TruCap Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.008.1038.0540.1439.2651.5056.9650.290.003.59
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

No data found!

Key Ratios of TruCap Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0.171.821.2611.8921.6719.3024.4270.10126.59182.01
Interest Income0.151.811.2511.5721.0419.1023.9569.82123.89161.06
Other Income 0.020.0100.320.640.190.470.282.7020.95
Expenditure 0.141.701.237.2815.9513.7122.6859.42119.36169.81
Interest Expense 00025.181.694.2324.3550.7978.69
Operating Expenses 0.141.701.214.598.8911.5917.6432.1263.2981.36
Provisions 000.010.681.890.440.822.955.279.77
Exceptional Items 0000000000
Profit Before Tax 0.040.120.034.615.735.581.7410.687.2312.19
Taxes 0.010.040.020.531.301.481.053.301.690.48
Profit After Tax 0.020.080.014.084.434.100.687.375.5411.71
Adjusted EPS (₹)0.00.00.01.10.70.60.10.80.51.0
Dividend Payout Ratio (%)0%0%0%19%8%3%11%1%2%1%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital7.088.618.6212.7027.5629.9494.33169.42213.60207.25
Share Capital 6.317.767.767.7613.5013.5115.2917.7723.2423.38
Reserves 0.770.850.864.9414.0616.4379.04151.66190.36183.87
Minority Interest0000000000
Long Term Borrowings0.910.390.010.361.070.398.6945.1211.98133.18
Current Liabilities 1.370.090.3841.9927.1218.1479.19259.08450.65584.35
Trade Payables0.040.040.080.250.230.482.284.882.133.47
Short term borrowings00039.0524.5015.6174.51248.26438.78562.46
Other Liabilities-0.04-0.04-0.08-39.30-23.10-14.84-71.76-248.62-431.75-553.87
Total Liabilities 9.359.08955.0557.3849.72187.24478.14685.38936.84

Assets

Non Current Asset 7.879.277.1541.3641.655.9126.23332.11472.61663.42
Loan Asset 0000000000
Other Non Current Asset 7.879.277.1541.3641.655.9126.23332.11472.61663.42
Current Asset 1.48-0.191.8413.6915.7343.82161.01146.03212.77273.42
Current Investment001.650.750.551.2811.0350.8980.5159.98
Other Current Asset1.48-0.190.1912.9515.1842.53149.9895.14132.26213.44
Total Assets 9.359.08955.0557.3849.72187.24478.14685.38936.84

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 6.39-0.721.18-41.371.7313.17-77.91-180.94-149.22-211.83
Cash Flow From Investing Activity 0-1.410.494.812.43-3.75-37.69-76.13-68.9430.45
Cash Flow From Financing Activity -6.300.94-0.4038.88-2.87-11.34145.33283.23198.42244.84
Net Cash Flow 0.09-1.191.272.321.29-1.9329.7326.16-19.7363.46
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0005330101
DPS (₹)0001000000
BVPS (₹)11111116202160191818

Performance Ratios

ROA (%)0.20.90.112.87.97.70.62.21.01.4
ROE (%)0.51.00.138.322.014.61.15.72.95.6
ROCE (%)0.31.40.421.920.714.55.310.910.311.6

Valuation Parameters

Price/Book(x)0.00.01.62.02.42.98.06.12.93.7

TruCap Finance Ltd Stock News

TruCap Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of TruCap Finance on 29-Apr-2025 16:59 is ₹6.91.
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 29-Apr-2025 16:59 the market cap of TruCap Finance stood at ₹80.78.
The latest P/E ratio of TruCap Finance as of 29-Apr-2025 16:59 is 8.34.
The latest P/B ratio of TruCap Finance as of 29-Apr-2025 16:59 is 0.35.
The 52-week high of TruCap Finance is ₹73.50 and the 52-week low is ₹6.75.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of TruCap Finance is ₹202.3 ( Cr.) .

About TruCap Finance Ltd

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