TruCap Finance Ltd - Stock Valuation and Financial Performance

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

TruCap Finance Share Price

8.83 -0.27 -2.97%
as on 19-May'25 16:59

DeciZen - make an informed investing decision on TruCap Finance

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Undervalued

3. Price Trend

TruCap Finance stock performance -

mw4me loader
P/E Ratio (SA):
10.99
Market Cap:
106.4 Cr.
52-wk low:
6.7
52-wk high:
66.3

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 Strong which suggest that the price of TruCap Finance Ltd is likely to Rise 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 - -6% -51.2% -86.1%

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 0.46 0.47
PE 10.99 12.01
From the Market
52 Week Low / High (₹) 6.66 / 66.30
All Time Low / High (₹) 2.50 / 187.50
Market Cap (₹ Cr.) 106
Equity (₹ Cr.) 23.4
Face Value (₹) 2
Industry PE 11.4

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
Income0211222192470127182
Interest Income0211221192470124161
Other Income 00001000321
Expenditure 021716142359119170
Interest Expense 0002524245179
Operating Expenses 021591218326381
Provisions 00012013510
Exceptional Items 0000000000
Profit Before Tax 000566211712
Taxes 0001111320
Profit After Tax 00044417612
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 Capital79913283094169214207
Share Capital 6888141415182323
Reserves 1115141679152190184
Minority Interest0000000000
Long Term Borrowings10001094512133
Current Liabilities 10042271879259451584
Trade Payables0000002523
Short term borrowings00039251675248439562
Other Liabilities000-39-23-15-72-249-432-554
Total Liabilities 999555750187478685937

Assets

Non Current Asset 8974142626332473663
Loan Asset 0000000000
Other Non Current Asset 8974142626332473663
Current Asset 102141644161146213273
Current Investment00211111518160
Other Current Asset10013154315095132213
Total Assets 999555750187478685937

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 6-11-41213-78-181-149-212
Cash Flow From Investing Activity 0-1052-4-38-76-6930
Cash Flow From Financing Activity -61039-3-11145283198245
Net Cash Flow 0-1121-23026-2063
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 19-May-2025 16:59 is ₹8.83.
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 19-May-2025 16:59 the market cap of TruCap Finance stood at ₹106.4.
The latest P/E ratio of TruCap Finance as of 19-May-2025 16:59 is 10.99.
The latest P/B ratio of TruCap Finance as of 19-May-2025 16:59 is 0.46.
The 52-week high of TruCap Finance is ₹66.30 and the 52-week low is ₹6.66.
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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