Capital India Finance
Capital India Finance Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Capital India Finance Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Capital India Finance Ltd trades at a P/E of 23.30× and P/B of 1.35×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
Capital India Finance Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Capital India Finance Ltd, switchable between annual and quarterly views, consolidated or standalone.
Capital India Finance Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹911.16 Cr and reported EPS of ₹1.00.
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 57 | 119 | 579 | 530 | 650 | 680 | 615 | 528 |
| Other Income | 3 | 0 | 0 | 2 | 7 | 8 | 4 | 5 |
| Total Income | 59 | 119 | 580 | 532 | 657 | 688 | 619 | 533 |
| Cost of Goods Sold (COGS) | — | 0 | 268 | 3 | 3 | 1 | 1 | 0 |
| Gross Profit | 57 | 119 | 311 | 527 | 647 | 679 | 614 | 528 |
| +Operating Expenses | 38 | 51 | 143 | 272 | 272 | 242 | 235 | 222 |
| EBITDA | 18 | 68 | 168 | 255 | 375 | 437 | 378 | 306 |
| +Non-Operating Expenses | 11 | 28 | 39 | 72 | 105 | 143 | 139 | 221 |
| Profit Before Tax (PBT) | 10 | 24 | 15 | -18 | -85 | 1 | -9 | 37 |
| +Tax Expense | 4 | 10 | 9 | 3 | 2 | 8 | 1 | 5 |
| Profit After Tax (PAT) | 6 | 14 | 6 | -21 | -87 | -6 | -10 | 31 |
| Earnings Per Share (EPS) | 0.15 | 0.44 | 0.25 | -0.06 | -1.06 | 0.30 | 0.04 | 0.99 |
| Diluted Shares Outstanding (Nos.) | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 |
| +Banking Income | 59 | 119 | 580 | 532 | 657 | 688 | 619 | 533 |
| +Additional Disclosures | 49 | 92 | 830 | 535 | 700 | 680 | 617 | 594 |
| Sales Growth % | — | 110.54 | 387.08 | -8.56 | 22.61 | 4.69 | -9.64 | -14.09 |
| YoY Sales Growth % | — | 110.54 | 387.08 | -8.56 | 22.61 | 4.69 | -9.64 | -14.09 |
| Material Cost % | — | 0 | — | — | 0 | 0 | 0 | 0 |
| Employee Cost % | 39 | 32 | 10 | 18 | 28 | 23 | 24 | 25 |
| Other Cost % | 29 | 11 | 15 | 34 | 14 | 12 | 14 | 17 |
| OPM % | 32 | 57 | 29 | 48 | 58 | 64 | 62 | 58 |
| Tax % | 42 | 43 | 59 | -18 | -2 | 598 | -15 | 14 |
| Profit Growth % | — | 136.03 | -56.10 | -440.06 | -320.78 | 92.61 | -58.90 | 402.08 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | — | — | 114 | 199 | 361 | 319 | 246 | 229 |
Capital India Finance segment analysis: revenue and profit mix.
Disclosed business segments at Capital India Finance with their share of revenue and profit, switchable between consolidated and standalone reporting.
Capital India Finance discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Capital India Finance Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Capital India Finance Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Capital India Finance Ltd's investment case rests on 5 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
The company exhibits strong promoter confidence with a significant holding of 72.84% as of 2025-09-01, indicating long-term commitment and stability in leadership.
Despite recent net losses, Capital India Finance maintains a relatively healthy operating profit margin (OPM) of 21.80%, suggesting efficiency in core operations before interest and taxes.
As an NBFC, Capital India Finance can capitalize on the expanding financial services sector, driven by increasing credit demand and financial inclusion initiatives in emerging markets.
The company could explore diversifying its product offerings beyond traditional lending, such as wealth management or specialized financial products, to tap into new revenue streams.
Investing in digital platforms and fintech solutions could enhance operational efficiency, expand customer reach, and reduce costs, aligning with modern financial service trends.
What can break it.
The company's P/E ratio of 4322.00 is exceptionally high, significantly above industry averages, suggesting potential overvaluation relative to its minimal earnings per share of 0.01.
The latest quarterly net profit is a negative -2.85, coupled with a substantial -77.00% decline in quarterly profit and -11.70% in sales, indicating severe operational challenges.
Capital India Finance shows a very low Return on Equity (ROE) of 0.30% and a negative Return on Assets (ROA) of -0.54%, highlighting inefficient capital utilization and asset management.
With a debt-to-equity ratio of 1.59, the company carries a significant debt burden, which could pose financial risk and limit future growth or investment opportunities.
Compared to peers, CIFL's market cap, quarterly sales, and net profit are substantially lower, while its P/E ratio is astronomically higher, indicating significant underperformance.
What would change my mind.
Trim if P/E re-rates above 30 (~1.7× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 139.72. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Capital India Finance Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Capital India Finance Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Capital India Finance Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Capital India Finance Ltd — derived from the live tape, not yesterday's close.
Capital India Finance Ltd last traded at ₹23.17 with an intraday range of ₹23.02–₹23.9 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹23.17| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 25.47 | +2.30 | +9.91% |
| R3 | 24.59 | +1.42 | +6.11% |
| R2 | 24.24 | +1.07 | +4.63% |
| R1 | 23.71 | +0.54 | +2.32% |
| PIVOT | 23.36 | 0.19 | 0.83% |
| CURRENT | 23.17 | — | — |
| S1 | 21.07 | -2.10 | -9.08% |
| S2 | 21.95 | -1.22 | -5.28% |
| S3 | 22.48 | -0.69 | -2.96% |
| S4 | 22.83 | -0.34 | -1.48% |
CIFL is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 23.02 ~ 23.9
Trading Inside opening range
Capital India Finance Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Capital India Finance Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Capital India Finance Ltd stood at 69.1% of traded volume, against a 20-day average of 59.3%.
Capital India Finance announcements: results, concalls, ratings, M&A.
Filings Capital India Finance sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Capital India Finance files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 71 documents below.
Copy of Newspaper Publication
Advertisement of Financial Results for the quarter and financial year ended March 31,2026.
Cessation
Capital India Finance Limited has informed the Exchange regarding Cessation of Mr. Gaurav Vyas as Chief Information Security Officer (Senior…
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Capital India Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Updates
Capital India Finance Limited has submitted with the Exchange 'Statement on ISIN of Debt Securities under Regulation 17 of Securities and Exchange…
Credit Rating- Revision
Capital India Finance Limited has informed the Exchange about Revision in Credit Rating.
Investor decks & rating reports.
Capital India Finance dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Capital India Finance has declared, sequenced by announce and record date.
Capital India Finance corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Capital India Finance Ltd: business, sector, key facts.
What Capital India Finance Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Capital India Finance Ltd operates in the Financial Services, listed as NSE: CIFL, BSE: 530879.
Capital India Finance Limited (CIFL) is a non-banking finance company (NBFC) operating primarily in India, specializing in lending and foreign exchange (forex) services. Its core business revolves around providing financial solutions to both businesses and individuals. The company has a strong presence in various segments of the Indian financial market, leveraging its expertise to cater to diverse client needs.
A significant portion of CIFL's business focuses on small business finance. This includes offering secured loans to facilitate business operations and expansion. Further bolstering its support for small businesses, CIFL provides equipment and supply chain finance products, addressing crucial financial needs throughout the production and distribution process. This targeted approach to financing small businesses allows CIFL to tap into a significant market segment in India.
On the retail finance side, CIFL offers a broad spectrum of loan products to individual customers. These include various home loans such as home loans, home improvement loans, home extension loans, NRI (Non-Resident Indian) home loans, and home loan balance transfer options. The breadth of its retail offerings provides diverse solutions for individual financial needs related to property and housing.
Beyond its lending operations, CIFL also operates in the fintech space with RapiPay and RemitX. RapiPay provides assisted payment services and Point of Sale (POS) solutions, facilitating transactions and streamlining financial processes. RemitX focuses on retail forex services, offering products such as foreign currency notes, overseas remittances, foreign currency prepaid travel cards, and import/export of foreign currency notes. This diversification into fintech expands CIFL’s reach and revenue streams, adding another layer of complexity to its overall business model.
In summary, CIFL's business model is characterized by its diverse offerings, covering both traditional lending and modern fintech solutions. Its strategic focus on small businesses and retail consumers, combined with its forex services, positions it as a multifaceted player in the Indian financial landscape. The company's history, dating back to 1994, and its current structure as a subsidiary of Capital India Corp Private Limited, highlight its evolution and standing within the broader financial sector.
Questions investors ask about Capital India Finance Ltd (CIFL).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Capital India Finance Ltd (CIFL)?
The current share price of Capital India Finance Ltd (CIFL) is ₹23.17. Today, the stock has gained by ₹0.07 (0.30%), trading in a range of ₹23.02 to ₹23.9. The stock opened at ₹23.02 with a trading volume of 29,693 shares.
02Is Capital India Finance Ltd stock a good investment for long-term?
Capital India Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹911.16 crores, P/E ratio of 23.30, ROE of 4.76%, and ROCE of 6.34%. The dividend yield stands at 0.09%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Capital India Finance Ltd stock?
The 52-week high price of Capital India Finance Ltd (CIFL) is ₹0, while the 52-week low is ₹0. Currently trading at ₹23.17, the stock is Infinity% away from its 52-week low and -Infinity% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Capital India Finance Ltd stock at the current price?
Whether to buy Capital India Finance Ltd stock at ₹23.17 depends on multiple factors. The stock is currently trading with a P/E ratio of 23.30 and P/B ratio of 1.35. Today's performance shows a gain of 0.30%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Capital India Finance Ltd and when is the next dividend?
Capital India Finance Ltd offers a dividend yield of 0.09%, which means for every ₹100 invested at the current price of ₹23.17, you can expect to receive approximately ₹0.09 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Capital India Finance Ltd?
Capital India Finance Ltd's key financial metrics include: P/E Ratio: 23.30, P/B Ratio: 1.35, ROE: 4.76%, ROCE: 6.34%, Dividend Yield: 0.09%, EPS: ₹1.00, Book Value: ₹17.21, and Debt-to-Equity: 139.22. The company's market cap stands at ₹911.16 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Capital India Finance Ltd stock performing today in the market?
Capital India Finance Ltd stock opened at ₹23.02 and is currently trading at ₹23.17, showing a gain of ₹0.07 (0.30%). The intraday high is ₹23.9 and low is ₹23.02. The trading volume stands at 29,693 shares, indicating moderate market participation today.
08What is the P/E ratio of Capital India Finance Ltd and what does it indicate?
Capital India Finance Ltd has a Price-to-Earnings (P/E) ratio of 23.30, which means investors are willing to pay ₹23.30 for every ₹1 of earnings. With an EPS of ₹1.00, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Capital India Finance Ltd (CIFL) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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