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    Finance/Rental/Leasing
Capital India Finance Ltd

Capital India Finance Ltd

18.06
INR
+0.13
(+0.73%)
0.72EPS
23.68P/E
9.16BMarket Cap
Capital India Finance Ltd
NSE:CIFL
(National Stock Exchange of India)

Recent

price

18.06

P/E

ratio

23.68

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
0.36
0.63
1.8
3.09
3.58
10.64
2.68
4.57
7.96
13.16
16.21
16.7
13.41
12.81
13.21
Revenue per Share
0.02
0.02
0.04
0.03
0.1
1.14
0.31
0.44
0.25
-0.07
-1.07
0.3
0.04
1
0.99
Basic EPS, GAAP
-1.04
-1.15
-16.72
1.74
-15.92
-6.51
-22
0.63
-2.08
-8.97
-1.91
2.55
-2.67
-6.66
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
0.02
0.1
0.02
0.02
0.02
0.02
0.02
0.02
- -
Dividend per Share
1.37
1.39
1.44
1.53
1.62
53.6
13.06
13.42
14.48
15.98
15.58
16.02
16.14
17.21
- -
Book Value per Share
1.37
1.39
1.44
1.53
1.62
53.59
13.06
13.13
14.17
15.18
13.81
14.17
14.56
16.03
- -
Tangible Book Value per Share
24
24
24
24
24
24
211
389
389
389
389
389
389
390
389
Basic Weighted Avg Shares
9
15
44
75
87
259
565
1,777
3,093
5,116
6,300
6,492
5,213
4,996
5,137
Sales/Revenue/Turnover
96.74
94.16
95.08
95.52
95.9
16.67
26.83
24.82
7.56
-1.71
-12.15
-4.38
-4.15
-8.55
-11.22
Operating Margin (%)
- -
- -
- -
- -
- -
4
77
115
147
209
248
302
319
314
310
Depreciation Expense
1
1
1
1
2
28
65
172
96
-28
-416
116
15
389
385
Net Income, GAAP
19.06
18.92
20.51
43.45
47.2
37.11
41.85
43.06
58.76
- -
- -
597.68
- -
13.64
18.14
Effective Tax Rate (%)
5.9
3.91
2.43
1.09
2.69
10.76
11.53
9.7
3.1
-0.54
-6.6
1.79
0.3
7.78
7.49
Profit Margin (%)
1
18
4
- -
628
1,050
2,501
2,978
7,684
2,534
1,059
513
1,081
2,469
- -
Working Capital
90
118
- -
- -
1,377
- -
765
1,165
2,264
4,493
5,451
5,453
6,059
5,726
- -
LT Debt
33
34
35
37
40
1,306
5,076
5,266
5,966
6,939
6,563
6,595
6,532
6,906
- -
Total Equity
- -
0.43
0.3
0.15
0.24
1.87
1.84
2.54
1.21
- -
- -
3.24
- -
1.37
- -
Return on Invested Capital (%)
- -
8.47
9.29
7.53
0.24
1.92
2.02
3.49
2.28
- -
- -
0.68
- -
3.13
- -
Return on Capital (%)
- -
1.78
3.09
2.28
6.13
4.14
2.04
3.35
1.77
-0.47
-6.78
1.9
0.25
5.98
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
3,889
- -
LT Borrowings
- -
5,509
- -
LT Finance Leases
- -
216
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
391
391
391
Market Capitalization
13,753
8,111
9,162

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
8,239
- -
Cash, Cash Equivalents & STI
- -
4,657
- -
Accounts Receivable, Net
- -
78
- -
Inventories
- -
7
- -
Total Current Liabilities
- -
5,770
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
3,889
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
353.25%
3.23%
5.72%
Free Cash Flow
117.59%
-7.22%
150.23%
Net Income, GAAP
499.67%
694.23%
2,413.01%
Sales/Revenue/Turnover
68.71%
13.54%
-4.16%
Total Cash Common Dividend
- -
- -
0.27%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1,564
1,384
1,281
1,195
5,213
2026
1,218
1,276
1,421
1,213
4,996
2027
1,227
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
-0.04
0.08
0.02
-0.02
0.04
2026
-0.07
1.15
-0.08
- -
1
2027
-0.08
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.02
2026
- -
- -
- -
- -
0.02
2027
- -
- -
- -
- -
- -
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Business
Capital India Finance Ltd (CIFL.NS) is an India-focused non-banking financial company (NBFC) that provides customized lending solutions to small and medium enterprises (SMEs), MSMEs, professionals, and retail customers through a technology-enabled platform; its core products include SME secured loans against property with tenures up to 15 years and limits up to INR 5 crore, equipment finance up to INR 1 crore with tenures up to 5 years, supply chain finance with revolving annual limits up to INR 5 crore, loans against property, and forex services under an RBI AD-II license; it previously offered retail finance products such as home loans, home improvement loans, home extension loans, NRI home loans, and home loan balance transfers, which have been divested. Founded in 1994 and headquartered in Mumbai, Maharashtra, the company operates 29 lending branches across seven states and 39 forex counters, targeting underserved entrepreneurs and self-employed individuals in Tier 2 and Tier 3 cities with asset-backed, phygital underwriting. Recent developments include the completion of a INR 267 crore sale of its housing finance subsidiary, Capital India Home Loans Ltd, to Weaver Services Pvt Ltd in August 2025 following RBI approval, a strategic shift to consolidate core SME lending operations, and a dual listing on the National Stock Exchange (NSE) effective April 17, 2025, enhancing investor access and governance backed by promoters Capital India Corp Pvt Ltd and investors including DS Group and RJ Corp.