Want to see IN:CAPTRUST full AI Analyst Report?
Top Page
Capital Trust Ltd. (India)
(CAPTRUST)
Select Model
Select Model
Rating:48Neutral
Price Target:
₹23.00
▲(77.47% Upside)
Action:Reiterated
Date:10/13/26
The score is held down primarily by weak financial performance (large FY2026 loss, falling revenue, and negative operating/free cash flow), with valuation also constrained by negative earnings (negative P/E). Technicals are a meaningful offset, showing a strong uptrend and positive momentum, though indicators are near overbought.
Positive Factors
Lower Leverage
The substantial reduction in debt-to-equity indicates a less stretched capital structure than in earlier years. Lower leverage can improve financial flexibility, reduce balance-sheet pressure, and give the lending business more capacity to absorb volatility or support future operations.
Negative Factors
Sharp FY2026 Loss
The sharp move to a deeply negative net margin signals severe deterioration in earnings quality and resilience. Persistent losses would weaken retained capital, constrain internal funding, and make it harder for the company to sustain lending activity without relying more heavily on external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Lower Leverage
The substantial reduction in debt-to-equity indicates a less stretched capital structure than in earlier years. Lower leverage can improve financial flexibility, reduce balance-sheet pressure, and give the lending business more capacity to absorb volatility or support future operations.
Read all positive factors
Capital Trust Ltd. (India) (CAPTRUST) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.07B
Dividend Yield0.35%
Average Volume (3M)13.65K
Price to Earnings (P/E)―
Beta (1Y)1.16
Revenue Growth-50.16%
EPS Growth-325.01%
CountryIN
Employees976
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-13.12
Shares Outstanding46,169,190
10 Day Avg. Volume26,640
30 Day Avg. Volume13,647
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.46
Price to Sales (P/S)0.67
P/FCF Ratio-1.49
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Capital Trust Ltd. (India) Business Overview & Revenue Model
Company Description
Capital Trust Limited operates as a Non-Banking Finance Company (NBFC), primarily delivering 'capital magic' solutions and micro business loans across India. The firm extends its financial services to a diverse array of economic segments, includin...
How the Company Makes Money
Capital Trust Ltd. primarily makes money through its lending business. Its core revenue stream is interest income earned on loans and advances provided to borrowers (the spread between the interest it charges borrowers and its own cost of funds). ...
Capital Trust Ltd. (India) Financial Statement Overview
Summary
Income Statement
24
Negative
Balance Sheet
46
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 411.26M | 423.57M | 844.46M | 583.18M | 647.72M | 851.94M |
| Gross Profit | 245.04M | 282.50M | 312.28M | 177.37M | 230.66M | 343.06M |
| EBITDA | -94.07M | -360.90M | 49.94M | 48.49M | -472.26M | 19.77M |
| Net Income | -383.00M | -468.25M | 11.11M | 21.46M | -456.41M | -108.20M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 1.12B | 2.04B | 1.79B | 1.88B | 3.54B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 128.84M | 570.30M | 254.68M | 212.48M | 672.72M |
| Total Debt | 0.00 | 401.15M | 1.02B | 800.85M | 959.28M | 2.08B |
| Total Liabilities | -614.87M | 501.40M | 1.18B | 1.03B | 1.14B | 2.34B |
| Stockholders Equity | 614.87M | 614.87M | 859.28M | 767.00M | 745.38M | 1.20B |
Cash Flow | ||||||
| Free Cash Flow | 113.67M | -189.83M | -200.42M | 196.03M | 741.05M | 155.27M |
| Operating Cash Flow | 120.23M | -188.40M | -193.53M | 201.28M | 742.54M | 158.84M |
| Investing Cash Flow | 69.80M | 485.26M | -105.76M | -10.12M | 420.74M | -1.45M |
| Financing Cash Flow | -218.62M | -398.27M | 294.87M | -150.31M | -1.13B | -494.05M |
Capital Trust Ltd. (India) Technical Analysis
Positive
12.96
Price Trends
19.80
Positive
16.68
Positive
14.98
Positive
Market Momentum
0.92
Negative
69.62
Neutral
93.30
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPTRUST, the sentiment is Positive. The current price of 12.96 is below the 20-day moving average (MA) of 19.73, below the 50-day MA of 19.80, and below the 200-day MA of 14.98, indicating a bullish trend. The MACD of 0.92 indicates Negative momentum. The RSI at 69.62 is Neutral, neither overbought nor oversold. The STOCH value of 93.30 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CAPTRUST.
Capital Trust Ltd. (India) Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | ₹971.28M | 0.66 | ― | 3.78% | 17.80% | 20694.21% | |
57 Neutral | ₹3.10B | 51.36 | ― | 0.26% | 117.76% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | ₹1.07B | -1.76 | ― | 0.35% | -50.16% | -325.01% | |
44 Neutral | ₹110.63M | -12.19 | ― | ― | -28.72% | 30.64% | |
44 Neutral | ₹544.92M | -0.47 | ― | 0.03% | -64.11% | -38.37% | |
43 Neutral | ₹183.43M | -10.79 | ― | ― | -92.80% | -146.71% |
* General Sector Average
IN:CAPTRUST
Capital Trust Ltd. (India)
23.23
-9.43
-28.87%
IN:DCMFINSERV
DCM Financial Services Limited
5.00
-0.74
-12.89%
IN:MOTOGENFIN
Motor & General Finance Ltd.
25.08
-0.97
-3.72%
IN:TCIFINANCE
TCI Finance Limited
14.25
2.35
19.75%
IN:TRU
TruCap Finance Limited
4.55
-5.48
-54.64%
IN:VIJIFIN
Viji Finance Ltd.
14.04
10.78
330.67%
Capital Trust Ltd. (India) Corporate Events
Capital Trust scales A-Eye driven gold loan platform from pilot to profitable network
Oct 5, 2026
Capital Trust Ltd. has transitioned its A-Eye powered gold loan operation from a limited pilot into a scalable platform, expanding from two branches launched in October 2025 to six dedicated gold loan outlets. The business now disburses ₹5&#...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.