Capital India Finance (CIFL) had a P/E of 18.1× on 6 Nov 2026, and the shares are 55% below their 52-week high. Its ROE of 6.0% is the lowest among the 7 largest Credit Services peers. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.04× book value. It is a small-cap company with a market cap of ₹700 Cr, ranked 49th of 193 Credit Services companies by market cap; the shares fell 49% over the past year.
- ₹17.93
- ₹18.20
- ₹17.81
- ₹17.93
- 17K
Health check
- ReturnsBehind
−48.8% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 1.04 vs peer median 2.62.
- Growthn/a
Not enough yearly results to measure.
- ProfitabilityWeak
ROE 6.0% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Return on equity is low at 6.0%.
Small cap
Defensive
Key metrics
- Market cap
- ₹700 Cr
- Small cap
- P/E
- 18.1
- Industry 15.5
- Price to book
- 1.04
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 6.0%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.99
- Face value ₹2
- OPM (TTM)
- −5.2%
- Net margin 7.3%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- n/a
- Year-ago quarter not reported
- Price to sales
- 1.33
- EV/EBITDA 63.6
Strengths and risks
Risks to check
- Return on equity is low at 6.0%.
- 55% below its 52-week high.
About Capital India Finance
Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising loans against property. It operates RapiPay solutions, including assisted payment services and POS solutions; and RemitX that offers retail foreign exchange products and services, including…
- Headquarters
- Mumbai
- Employees
- 894
- Sector
- Financial Services
- ISIN
- INE345H01024
- Website
- capitalindia.com
Price range
- Avg volume (3M)
- 1.5 L
- 1-year return
- minus 48.8%
- From 52-week high
- minus 54.9%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| CIFLCapital India Finance | 17.91 | minus 0.11% | 700 | 18.1 | 1.04 | 6.0% | – | – | 0.00% | minus 48.8% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 122 | 128 | 142 | 121 | 123 | |
| 123 | 129 | 143 | 135 | 133 | |
| −1.6 | −1.7 | −1.1 | −13.9 | −10 | |
| −1.4% | −1.3% | −0.8% | −11.5% | −8.1% | |
| 0.4 | 0.7 | 1.1 | 2.7 | 0.8 | |
| 8.1 | 8.1 | 7.7 | 7.5 | 7.8 | |
| 3.7 | 61.3 | 1.7 | 15.1 | 8.5 | |
| −5.8 | 52.3 | −6 | −3.5 | −8.4 | |
| −0.1% | 12.2% | 13.1% | 15.6% | −14.0% | |
| −2.8 | 44.8 | −2.9 | −0.2 | −3.3 | |
| -0.07 | 1.12 | -0.08 | – | -0.08 |
Profit & loss
- ROE
- 6.0%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 630 | 649 | 521 | 500 | |
| – | +3.1% | minus 19.7% | minus 4.2% | |
| 682 | 648 | 511 | 511 | |
| −51.8 | 1.7 | 10.3 | −11.4 | |
| −8.2% | 0.3% | 2.0% | −2.3% | |
| 0.5 | 15.4 | 9.1 | 16.3 | |
| 11.4 | 3.8 | 2.2 | 5.5 | |
| 24.8 | 30.2 | 31.9 | 31.4 | |
| 2 | 18.2 | 2.8 | 69 | |
| −85.4 | 1.3 | −11.9 | 37 | |
| −1.9% | 597.7% | −9.3% | 13.6% | |
| −41.6 | 11.6 | 1.5 | 38.9 | |
| – | – | minus 86.7% | +2413.0% | |
| -1.07 | 0.30 | 0.04 | 0.97 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 77.7 | 77.7 | 77.8 | 78.2 | |
| 528 | 545 | 550 | 595 | |
| 924 | 899 | 996 | 961 | |
| 265 | 279 | 228 | 211 | |
| 1,795 | 1,801 | 1,853 | 1,846 | |
| 47.7 | 32.2 | 37 | 39.3 | |
| 0.2 | 0.3 | – | – | |
| 36 | 71.8 | 62.6 | 87.3 | |
| 346 | 312 | 319 | 466 | |
| 1,365 | 1,384 | 1,434 | 1,253 | |
| 1,795 | 1,801 | 1,853 | 1,846 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −23.1 | 121 | −93.3 | −254 | |
| −16.1 | 1.4 | −60.8 | 98.5 | |
| 80.3 | −124 | 79.1 | 226 | |
| 41 | −2.3 | −89.1 | 61.6 | |
| −51.2 | −21.5 | −10.4 | −5.5 | |
| −74.3 | 99 | −104 | −260 | |
| −0.8 | −0.8 | −0.8 | −0.8 |
Shareholding pattern
- Promoters72.59%
- Public27.41%
| Quarter | Split | Promoters | Public | Promoter change |
|---|---|---|---|---|
| 30 Sep 2026 | 72.59% | 27.41% | 0.00 | |
| 30 Jun 2026 | 72.59% | 27.41% | 0.00 | |
| 31 Mar 2026 | 72.59% | 27.41% | 0.00 | |
| 31 Dec 2025 | 72.59% | 27.41% | minus 0.25 | |
| 30 Sep 2025 | 72.84% | 27.16% | – |
Major shareholders
Filings & events
News
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