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TruCap Finance Limited
(TRU)
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Rating:43Neutral
Price Target:
₹4.50
▼(-47.55% Downside)
Action:Reiterated
Date:08/18/26
The score is primarily held down by weak financial performance, including a steep FY2026 revenue decline, deep losses, high leverage, and a return to negative cash flow. Technicals add further pressure with a clear downtrend and negative MACD, while valuation offers limited support because the negative P/E reflects ongoing losses and there is no dividend yield provided.
Positive Factors
Prior Cash Generation
The 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.
Negative Factors
Revenue and Profitability Deterioration
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Prior Cash Generation
The 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.
Read all positive factors
TruCap Finance Limited (TRU) vs. iShares MSCI India ETF (INDA)
Market Cap
₹480.20M
Dividend Yield0.03%
Average Volume (3M)34.15K
Price to Earnings (P/E)―
Beta (1Y)0.10
Revenue Growth-64.11%
EPS Growth-49.89%
CountryIN
Employees651
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-9.62
Shares Outstanding118,861,870
10 Day Avg. Volume53,215
30 Day Avg. Volume34,149
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)1.08
Price to Sales (P/S)0.64
P/FCF Ratio-2.14
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
TruCap Finance Limited Business Overview & Revenue Model
Company Description
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 loa...
How the Company Makes Money
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TruCap Finance Limited Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
28
Negative
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 678.68M | 856.43M | 1.92B | 1.59B | 1.21B | 730.61M |
| Gross Profit | -93.71M | -79.34M | 731.76M | 411.87M | 459.08M | 344.31M |
| EBITDA | -1.04B | -1.45B | -353.53M | 230.49M | 131.86M | 150.70M |
| Net Income | -1.05B | -1.13B | -592.50M | 109.63M | 6.31M | 39.85M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 3.92B | 6.99B | 9.21B | 6.71B | 4.72B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 184.15M | 737.08M | 1.40B | 38.51B | 925.52M |
| Total Debt | 0.00 | 3.31B | 5.20B | 6.86B | 4.43B | 2.86B |
| Total Liabilities | -510.02M | 3.41B | 5.37B | 7.09B | 4.55B | 3.00B |
| Stockholders Equity | 510.02M | 510.02M | 1.62B | 2.12B | 2.16B | 1.72B |
Cash Flow | ||||||
| Free Cash Flow | 1.27B | -256.56M | 1.53B | -2.22B | -1.65B | -2.21B |
| Operating Cash Flow | 1.27B | -256.19M | 1.53B | -2.12B | -1.51B | -1.85B |
| Investing Cash Flow | 418.30M | 2.11B | 302.39M | 304.45M | -657.74M | -731.00M |
| Financing Cash Flow | -2.02B | -2.16B | -2.46B | 2.45B | 1.97B | 2.84B |
TruCap Finance Limited Technical Analysis
Negative
8.58
Price Trends
4.68
Negative
5.35
Negative
6.34
Negative
Market Momentum
-0.20
Negative
38.14
Neutral
19.21
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TRU, the sentiment is Negative. The current price of 8.58 is above the 20-day moving average (MA) of 4.18, above the 50-day MA of 4.68, and above the 200-day MA of 6.34, indicating a bearish trend. The MACD of -0.20 indicates Negative momentum. The RSI at 38.14 is Neutral, neither overbought nor oversold. The STOCH value of 19.21 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:TRU.
TruCap Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹6.51B | 13.43 | ― | 0.77% | 30.68% | 15.32% | |
57 Neutral | ₹2.47B | 10.14 | ― | 0.10% | 38.86% | 100.31% | |
57 Neutral | ₹3.20B | 60.27 | ― | 0.26% | 117.76% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
49 Neutral | ₹955.80M | -1.54 | ― | 0.35% | -50.16% | -325.01% | |
43 Neutral | ₹480.20M | -0.42 | ― | 0.03% | -64.11% | -49.89% | |
43 Neutral | ₹4.12B | 241.83 | ― | ― | 5.87% | ― |
* General Sector Average
IN:TRU
TruCap Finance Limited
4.04
-8.87
-68.71%
IN:CAPTRUST
Capital Trust Ltd. (India)
20.79
-7.93
-27.61%
IN:MANBA
Manba Finance Limited
129.55
-8.96
-6.47%
IN:STARTECK
Starteck Finance Ltd.
248.75
-60.45
-19.55%
IN:VIJIFIN
Viji Finance Ltd.
16.70
13.30
391.18%
IN:MONEYBOXX
MoneyBoxx Finance Ltd.
59.03
-10.75
-15.41%
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.