TruCap Finance Ltd - Stock Valuation and Financial Performance

BSE: 540268 | NSE: TRU | Finance - Stock Broking | Small Cap

TruCap Finance Share Price

64.16 2.34 3.79%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on TruCap Finance

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

TruCap Finance stock performance -

mw4me loader
P/E Ratio (SA):
108.35
Market Cap:
750 Cr.
52-wk low:
37.4
52-wk high:
87

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 below 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 Fair 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 not performed well majority of the past ten years indicating its past ten year financial track record is not good

Value Creation

Value Creation Index Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
ROCE % 0.5%0.2%1%0.1%18.1%15.3%10.5%3.2%7.6%7.3%-
Value Creation
Index
-1.0-1.0-0.9-1.00.30.1-0.3-0.8-0.5-0.5-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 0.30.21.81.311.62119.12469.8123152
Sales YoY Gr.--50%1,106.7%-30.9%825.6%81.9%-9.2%25.4%191.5%76.6%-
Adj EPS 0.10001.10.70.60.10.80.50.6
YoY Gr.--80%100%-100%NA-37.1%-7.6%-85.3%822.2%-42.2%-
BVPS (₹) 2.62.22.22.23.34.14.31218.918.220.1
Adj Net
Profit
0.100.104.14.44.10.77.45.57
Cash Flow from Ops. 06.4-0.71.2-41.41.713.2-77.9-181-149-
Debt/CF from Ops. 887.90.2-0.80.1-0.914.21.2-1-1.6-3-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales 95.2%60.5%86.2%76.6%
Adj EPS 28.6%-14.5%-7.7%-42.2%
BVPS24.2%41%62.3%-3.4%
Share Price - 46% -12.5% 44.7%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Return on
Equity %
20.510.138.32214.61.15.72.93.1
Op. Profit
Mgn %
22.516.46.43.455.849.639.62855.649.251.6
Net Profit
Mgn %
21.315.24.50.635.32121.52.910.64.54.5
Debt to
Equity
3.40.20.103.10.90.50.91.72.1-
Working Cap
Days
17,33928,2351,7702,1739048888941,1621,1271,191782
Cash Conv.
Cycle
-1881,62821777-11-9-2-5-1241223

Recent Performance Summary

Sales growth is growing at healthy rate in last 3 years 86.18%

Sales growth is good in last 4 quarters at 35.26%

Return on Equity has declined versus last 3 years average to 3.10%

Net Profit has been subdued in last 3 years -7.68%

Debt to equity has increased versus last 3 years average to 2.09

Latest Financials - TruCap Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.6 0.5
TTM Sales (₹ Cr.) 152 153
BVPS (₹.) 20.1 19.5
Reserves (₹ Cr.) 211 204
P/BV 3.19 3.30
PE 108.35 130.30
From the Market
52 Week Low / High (₹) 37.41 / 87.00
All Time Low / High (₹) 2.50 / 187.50
Market Cap (₹ Cr.) 750
Equity (₹ Cr.) 23.4
Face Value (₹) 2
Industry PE 25.3

Management X-Ray of TruCap Finance:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.0010.618.290.008.1038.0540.1439.26
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of TruCap Finance

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income00211222192470127
Interest Income00211221192470123
Other Income 0000010003
Expenditure 0021716142359119
Interest Expense 000025242451
Operating Expenses 00215912183263
Provisions 0000120135
Exceptional Items 0000000000
Profit Before Tax 00005662117
Taxes 0000111132
Profit After Tax 0000444176
Adjusted EPS (₹)0.10.00.00.01.10.70.60.10.80.5
Dividend Payout Ratio (%)0%0%0%0%19%8%3%11%1%2%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital379913283094169214
Share Capital 368881414151823
Reserves 11115141679152190
Minority Interest0000000000
Long Term Borrowings1110001094512
Current Liabilities 010042271879259451
Trade Payables0000000252
Short term borrowings000039251675248439
Other Liabilities0000-39-23-15-72-249-432
Total Liabilities 14999555750187478685

Assets

Non Current Asset 148974142626332473
Loan Asset 0000000000
Other Non Current Asset 148974142626332473
Current Asset 0102141644161146213
Current Investment0002111115181
Other Current Asset010013154315095132
Total Assets 14999555750187478685

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 06-11-41213-78-181-149
Cash Flow From Investing Activity 00-1052-4-38-76-69
Cash Flow From Financing Activity 0-61039-3-11145283198
Net Cash Flow 00-1121-23026-20
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)0000533010
DPS (₹)0000100000
BVPS (₹)13111111162021601918

Performance Ratios

ROA (%)0.50.20.90.112.87.97.70.62.21.0
ROE (%)2.00.51.00.138.322.014.61.15.72.9
ROCE (%)0.50.31.40.421.920.714.55.310.910.3

Valuation Parameters

Price/Book(x)0.00.00.01.62.02.42.98.06.12.9

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 28-Mar-2024 16:01 is ₹64.16.
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 28-Mar-2024 16:01 the market cap of TruCap Finance stood at ₹750.0.
The latest P/E ratio of TruCap Finance as of 28-Mar-2024 16:01 is 108.3.
The latest P/B ratio of TruCap Finance as of 28-Mar-2024 16:01 is 3.19.
The 52-week high of TruCap Finance is ₹87.00 and the 52-week low is ₹37.41.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of TruCap Finance is ₹152.4 ( Cr.) .

About TruCap Finance Ltd

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