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TruCap Finance Limited (IN:TRU)
:TRU
India Market
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TruCap Finance Limited (TRU) Price & Analysis

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TRU Stock Chart & Stats

₹8.58
-₹0.31(-2.00%)
At close: 4:00 PM EST
₹8.58
-₹0.31(-2.00%)

Bulls Say, Bears Say

Bulls Say
Prior Cash GenerationThe FY2025 cash-flow improvement shows the lending platform can generate internally funded liquidity under favorable conditions, providing a potential base for recovery. However, the benefit is limited because operating and free cash flow turned negative again in FY2026.
Debt ReductionYear-over-year debt reduction is a constructive balance-sheet action and may reduce absolute funding needs if sustained. It offers some support to financial flexibility, although the company remains highly leveraged because equity has compressed significantly.
Established Lending PlatformThe non-bank lending model gives TruCap an established platform for serving customers and businesses outside traditional bank channels. This can support future growth if credit quality, funding access and product economics improve, despite current financial weakness.
Bears Say
Revenue And Profitability DeteriorationThe sharp revenue contraction and widened losses indicate deteriorating operating performance rather than a temporary margin fluctuation. Negative gross profit and volatile results reduce confidence in earnings quality and make sustained profitability difficult to establish.
Very High LeverageLeverage has risen substantially while the equity base has compressed, leaving limited protection against further credit losses or operating weakness. A heavily debt-funded balance sheet can constrain growth, increase refinancing dependence and amplify downside risk.
Negative And Inconsistent Cash FlowThe return to negative operating and free cash flow, following multiple years of sizable outflows, weakens self-funding capacity. Combined with net losses, this increases reliance on external funding and leaves less flexibility to absorb deterioration.

TRU FAQ

What was TruCap Finance Limited’s price range in the past 12 months?
TruCap Finance Limited lowest stock price was ₹3.93 and its highest was ₹13.74 in the past 12 months.
    What is TruCap Finance Limited’s market cap?
    TruCap Finance Limited’s market cap is ₹483.77M.
      When is TruCap Finance Limited’s upcoming earnings report date?
      TruCap Finance Limited’s upcoming earnings report date is Nov 18, 2026 which is in 79 days.
        How were TruCap Finance Limited’s earnings last quarter?
        TruCap Finance Limited released its earnings results on Aug 13, 2026. The company reported -₹0.89 earnings per share for the quarter.
          Is TruCap Finance Limited overvalued?
          According to Wall Street analysts TruCap Finance Limited’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does TruCap Finance Limited pay dividends?
            TruCap Finance Limited pays a Annually dividend of ₹0.01 which represents an annual dividend yield of 0.12%. See more information on TruCap Finance Limited dividends here
              What is TruCap Finance Limited’s EPS estimate?
              TruCap Finance Limited’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does TruCap Finance Limited have?
              TruCap Finance Limited has 118,861,870 shares outstanding.
                What happened to TruCap Finance Limited’s price movement after its last earnings report?
                TruCap Finance Limited reported an EPS of -₹0.89 in its last earnings report. Following the earnings report the stock price went down -4.784%.
                  Which hedge fund is a major shareholder of TruCap Finance Limited?
                  Currently, no hedge funds are holding shares in IN:TRU
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    TruCap Finance Limited

                    TruCap Finance Limited, a non-banking finance company, provides loans in India. The company operates in two segments, Fund Based Activities and Advisory Services. It offers micro enterprise loans, SME loans, other structured business, personal loans, and gold loans, as well as related ancillary services. The company was formerly known as Dhanvarsha Finvest Limited and changed its name to TruCap Finance Limited in August 2022. The company was incorporated in 1994 and is headquartered in Mumbai, India. TruCap Finance Limited operates as a subsidiary Wilson Holdings Private Limited.

                    TruCap Finance Limited (TRU) Earnings & Revenues

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