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TruCap Finance Limited

TruCap Finance Limited

3.81
INR
-0.19
(-4.75%)
-8.86EPS
614.52MMarket Cap
TruCap Finance Limited
BSE:TRU
(Bombay Stock Exchange)

Recent

price

3.81

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
- -
- -
0.13
0.04
0.47
0.05
1.88
2.99
2.8
3.97
9.45
11.01
13.63
16.49
6.91
5.37
Revenue per Share
0.11
0.05
0.03
0.01
0.02
- -
1.05
0.35
0.6
0.18
0.52
0.06
0.94
-5.08
-9.66
-8.86
Basic EPS, GAAP
- -
- -
0.01
1.65
-0.33
0.3
-10.73
0.01
1.71
-12.7
-28.57
-15.05
-19.02
18.14
11.12
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
0.3
0.06
0.02
0.02
0.01
0.01
0.01
- -
- -
Dividend per Share
1.28
1.33
1.36
1.82
2.22
2.22
3.22
3.95
4.61
13.07
19.37
18.59
18.13
13.87
4.29
- -
Book Value per Share
1.28
1.33
1.36
1.82
2.22
2.22
3.12
3.78
4.38
12.38
16.05
15.73
15.27
12.89
3.61
- -
Tangible Book Value per Share
24
24
24
39
39
39
39
60
68
74
77
110
117
117
117
119
Basic Weighted Avg Shares
- -
- -
3
2
18
2
73
181
189
292
731
1,210
1,588
1,922
805
637
Sales/Revenue/Turnover
- -
- -
21.29
17.41
6.2
-487.63
0.72
23.24
31.06
11.05
14.66
2.9
-2.45
11.31
-45.07
-100.74
Operating Margin (%)
- -
- -
- -
- -
- -
- -
1
2
5
13
47
77
93
92
78
74
Depreciation Expense
3
1
1
- -
1
- -
41
21
41
13
40
6
110
-592
-1,127
-1,051
Net Income, GAAP
- -
- -
- -
36.63
33.09
74.06
11.53
12.06
26.74
53.24
44.57
74.39
4.03
- -
- -
- -
Effective Tax Rate (%)
- -
- -
21.27
15.17
4.5
3.55
55.85
11.81
21.47
4.46
5.45
0.52
6.9
-30.82
-139.96
-164.96
Profit Margin (%)
29
- -
-1
1
-8
15
-277
-128
23
941
1,852
1,087
2,327
1,574
17
- -
Working Capital
- -
112
111
11
- -
2
- -
- -
43
763
1,642
1,561
2,642
2,482
1,063
- -
LT Debt
31
32
33
71
86
86
125
266
312
999
1,721
2,161
2,119
1,621
510
- -
Total Equity
- -
-1.27
0.32
0.15
0.87
-2.87
0.15
2.16
7.97
0.84
1.29
0.12
-1.23
- -
- -
- -
Return on Invested Capital (%)
- -
0.66
0.32
0.2
0.94
0.08
13.32
4.24
8.29
1.21
1.79
0.25
1.7
- -
- -
- -
Return on Capital (%)
- -
4.05
1.99
0.45
1.04
0.08
38.71
10.91
14.05
1.99
2.93
0.33
5.12
-31.68
-105.71
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
2,250
- -
LT Borrowings
- -
1,063
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
119
119
119
Market Capitalization
909
560
615

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
2,343
- -
Cash, Cash Equivalents & STI
- -
202
- -
Accounts Receivable, Net
- -
12
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
2,326
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
2,250
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
39.99%
0.77%
-68.54%
Free Cash Flow
1,289.05%
-17.71%
-38.69%
Net Income, GAAP
5,745.87%
241.63%
90.13%
Sales/Revenue/Turnover
381.84%
42.03%
-58.13%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
520
577
515
354
1,922
2026
299
228
151
146
805
2027
113
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.1
0.09
0.08
-5.34
-5.08
2026
-0.78
-2.81
-3.54
-1.61
-9.66
2027
-0.89
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.01
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
TruCap Finance Limited TruCap Finance Limited (TRU.NS), a non-banking financial company (NBFC) registered with the Reserve Bank of India, engages primarily in fund-based lending activities and advisory services targeted at micro, small, and medium enterprises (MSMEs) and low-to-mid income groups in India. Incorporated in 1994 and headquartered in Mumbai, Maharashtra, the company offers a range of secured and unsecured financing products including micro enterprise loans, SME business loans, personal loans, structured business financing, and gold loans under the Dhanvarsha brand; it also provides ancillary services such as lending-as-a-service (L-A-A-S) through co-lending partnerships, leveraging an offline branch network of approximately 128 locations in MSME hubs, digital sourcing platforms for agents, credit health tools with microlending capabilities, and initiatives supporting women-led microenterprises. The company maintains a loan book exceeding INR 10 billion, serves over 96,700 customers, and collaborates with more than 45 lenders to deliver timely and affordable credit solutions via technology-enabled ecosystems. In recent developments, TruCap completed the sale of its gold loan business, including the Dhanvarsha trademarks, 115 branches, over 40,000 customers, and INR 650 crore in assets under management, to InCred Finance via a slump sale valued at INR 330 crore in February 2025, with closure by April 2025; concurrently, the Marwadi Chandarana Group agreed in May 2025 to acquire a 75% stake through an investment of INR 207 crore via preferential equity allotment, convertible warrants, and secondary share purchases from existing promoters, enhancing capital strength and credit profile; additionally, the company redeemed full NCD principal and interest obligations in September 2025 amid ongoing debt restructuring efforts following prior repayment defaults.