Capital Trust Ltd. (India) (CAPTRUST) AI Stock Analysis

• Market Cap: ₹836.15M
• Dividend Yield: N/A
• Average Volume (3M): 6.34K
• Price to Earnings (P/E): 81.2
• Beta (1Y): 1.39
• Revenue Growth: -3.14%
• EPS Growth: -429.98%
• Country: IN
• Employees: 1,834
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -4.93
• Shares Outstanding: 23,084,595
• 10 Day Avg. Volume: 3,936
• 30 Day Avg. Volume: 6,339
• PEG Ratio: -2.73
• Price to Book (P/B): 1.77
• Price to Sales (P/S): 1.97
• P/FCF Ratio: -7.57
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹40.00
• Price Target Upside: 9.50% Upside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1

• Rating: 39 Underperform
• Price Target: ₹40.00 ▲(9.50% Upside)

Capital Trust Ltd. is currently facing significant financial and technical challenges. The financial performance is weak due to declining revenues and cash flow issues. Technical analysis indicates bearish momentum, and valuation metrics are unattractive with a negative P/E ratio. These factors collectively suggest a cautious outlook for the stock.

Capital Trust Ltd. (India) Business Overview & Revenue Model

Company Description

Capital Trust Limited, a non-banking finance company, provides capital magic and micro business loans in India. The company serves agriculture, dairy and livestock, food, home improvement loan, manufacturing, retail, services, small commercial vehicle, trading, and two wheeler sectors. It operates in 10 states through 229 branches in Delhi, Uttar Pradesh, Uttarakhand, Madhya Pradesh, Punjab, Rajasthan, Odisha, Bihar, Chhattisgarh, and Jharkhand. The company was incorporated in 1985 and is based in New Delhi, India.

How the Company Makes Money

CAPTRUST generates revenue through multiple streams, primarily by charging fees for its investment advisory and asset management services. This includes management fees based on the assets under management (AUM) and performance fees tied to the investment returns generated for clients. Additionally, the company earns income from loan syndication and advisory services, receiving commissions and fees for facilitating loan transactions. Significant partnerships with banks, financial institutions, and corporate clients further enhance its revenue capabilities, allowing CAPTRUST to tap into a broader client base and diversify its income sources.

Capital Trust Ltd. (India) Financial Statement Overview

Summary

Capital Trust Ltd. faces financial challenges with declining revenues and low net profit margins. Despite a high gross profit margin, cash flow issues and a leveraged balance sheet indicate financial instability.

Income Statement

Capital Trust Ltd. has experienced a decline in revenue over the past few years, with a significant drop of 17% in the most recent year. The gross profit margin remains high at 100%, indicating effective cost management. However, the net profit margin is low at 1.45%, reflecting challenges in converting revenue into profit. The EBIT and EBITDA margins are also modest, suggesting limited operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is slightly above 1, indicating a balanced but leveraged capital structure. Return on equity is low at 1.29%, pointing to limited profitability for shareholders. The equity ratio is not directly provided, but the company's leverage suggests moderate financial stability.

Cash Flow

The cash flow situation is concerning, with negative operating and free cash flows in the latest period. The free cash flow growth rate is negative, and the operating cash flow to net income ratio is significantly negative, indicating cash flow challenges. The free cash flow to net income ratio is slightly above 1, suggesting some alignment between cash flow and accounting profit.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	859.28M	947.88M	690.77M	910.43M	1.02B	1.10B
Gross Profit	865.77M	931.63M	284.96M	212.26M	285.10M	402.55M
EBITDA	-57.01M	41.34M	48.49M	-236.39M	183.62M	41.76M
Net Income	-79.46M	11.11M	21.46M	-456.41M	-108.20M	-236.25M
Balance Sheet
Total Assets	1.80B	2.04B	1.79B	1.88B	3.54B	4.07B
Cash, Cash Equivalents and Short-Term Investments	141.00M	166.22M	254.68M	731.97M	672.72M	844.33M
Total Debt	922.00M	877.56M	800.85M	959.28M	2.08B	2.57B
Total Liabilities	-859.28M	1.18B	1.03B	1.13B	2.34B	2.76B
Stockholders Equity	859.28M	859.28M	767.00M	745.38M	1.21B	1.31B
Cash Flow
Free Cash Flow	0.00	-200.42M	196.03M	741.05M	155.27M	176.44M
Operating Cash Flow	0.00	-193.53M	201.28M	742.54M	158.84M	179.32M
Investing Cash Flow	0.00	-105.76M	-10.12M	420.74M	-1.45M	-2.43M
Financing Cash Flow	0.00	294.87M	-150.31M	-1.13B	-494.05M	-135.01M

Capital Trust Ltd. (India) Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 36.53
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPTRUST, the sentiment is Negative. The current price of 36.53 is below the 20-day moving average (MA) of 42.70, below the 50-day MA of 50.42, and below the 200-day MA of 80.05, indicating a bearish trend. The MACD of -3.16 indicates Positive momentum. The RSI at 20.24 is Positive, neither overbought nor oversold. The STOCH value of 1.25 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CAPTRUST.

Capital Trust Ltd. (India) Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BAIDFIN	64 Neutral	₹1.31B	9.12	7.51%	0.92%	29.23%	38.30%
IITL	63 Neutral	₹4.60B	40.32	0.90%	―	-58.54%	-84.30%
TRU	46 Neutral	₹1.25B	-1.65	-36.54%	0.09%	-4.18%	-772.35%
YAARI	43 Neutral	₹1.75B	-2.62	24.67%	―	―	-206.51%
CAPTRUST	39 Underperform	₹836.15M	81.24	―	―	-3.14%	-429.98%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%