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NIFTY 5024,980.40+0.35%
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GOLD 24K (10g)₹75,420+0.38%
SILVER (1kg)₹88,400-0.12%
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Capital India Finance Limited

Capital India Finance Limited

NSE: CIFL
Credit ServicesFinancial ServicesSMALL CAPMCap ₹745.4 Cr
₹19.06₹-0.27 (-1.40%)

Market Closed • NSE

Market cap₹745.4 Cr
Enterprise value₹1.30k Cr
P/E TTM19.25
P/B1.11
EPS TTM₹0.99
ROCE1.17%
D/E1.46
Dividend yield0.00%
Face value₹2.00
52W high₹39.69
52W low₹18.56
Price chart(1Y)
1Y Return:-17.49% (₹4.04)
H: ₹26.75L: ₹18.56
1W-0.63%
1M-4.84%
3M-9.02%
6M-33.36%
1Y-45.98%
Today at a glance

Day range

₹18.97₹19.74

52 week range

₹18.56₹39.69
Volume45.9K0.29x 20D avg
Free float50.00%-70.50% volume

Capital India Finance Limited closed at INR19.06 (-1.4%) on volume 0.29x its 20-day average, trading 51.98% below its 52-week high.

Technical analysis
RSI (14)37.1Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹1.25High
SMA 20₹20.50BEARISH
SMA 50₹20.61BEARISH
SMA 100₹21.75BEARISH
SMA 200₹25.56BEARISH
CPR bottom₹19.52
Pivot₹19.46
CPR top₹19.39
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -223.2% QoQ

2025-09-19

DIVIDEND Announced

Dividend - Re 0.02 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹961.4 Cr₹745.4 Cr128.99%≤ 33%FAIL
Non-halal income ratio–₹512.2 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹1.62k Cr₹1.85k Cr87.90%≥ 20%PASS
Receivables ratio–₹1.85k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E19.2516.50
Forward P/E——
P/B1.111.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield5.206.10
Growth & profitability
RevenuePAT
FY24PAT margin 1.80%
FY25PAT margin 0.30%
FY26PAT margin 7.60%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y-4.60%
PAT CAGR 3Y—
PAT CAGR 5Y+27.30%
Operating margin13.29%
Net margin7.32%
Financial health & cash flow
Net debt₹738.0 CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-8.42x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-25407.9 Lakh
Capital expenditure–
Free cash flow₹-25953.5 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall53/100
Valuation60/100
Profitability50/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 19.3x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

80%53%27%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
0.03%Institutional holding
27.38%Public holding
5Periods available
0.00%Promoter pledged
7.88KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
19 Sept 2025Dividend₹0.02 / share—19 Sept 2025
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)61.50%+9.75% latest vs average
Highest delivery84.47%on 05 Oct
Average volume (20D)155.6KTrading-session average
Conviction trendStrengthening+9.75% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Capital India Finance Limited
Capital India Finance Limited

Incorporated in 1994, Capital India Finance Ltd is in the business of lending, forex (including MTSS business) and fintech business[1]

IndiaFinancial Services

Questions investors ask
Is Capital India Finance Limited Shariah compliant?

Capital India Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (128.99%) exceeds AAOIFI threshold (≤ 33%).

What is Capital India Finance Limited's current valuation relative to peers?

Capital India Finance Limited trades at a P/E of 19.3x compared to the sector median of 16.5x, and a Price-to-Book of 1.1x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 1.46x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at -4.6% while net profit growth averaged 27.3%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.