Capital Trust Ltd
Finance | Small Cap
Health Score : 3.92Capital Trust Ltd, operating in the non-bank financial services sector, shows a mixed financial performance. The company demonstrates strengths in managing its debt and generating high gross profit margins. However, it struggles with revenue and profit growth, as well as low returns on capital and equity. While the company's efficiency in managing receivables is notable, its overall financial health is hindered by negative earnings per share and inconsistent profitability. The high asset growth rate may indicate expansion efforts, but these have not yet translated into improved bottom-line performance. The company faces challenges in improving profitability and achieving sustainable growth.
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- Valuation MetricsNeutral
- Market Metrics
- Stock Reports
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- Growth Ratio2.80
- Financial Ratio4.00
- Profitability Ratio3.20
- Efficiency Ratio6.00
- Coverage Ratio2.00
- Solvency Ratio8.18
- Liquidity Ratio0.00
- Peer Assessment
- Management AssessmentBalanced
- Risk AssessmentBalanced
- 1 HourNeutral
- 2 HoursNeutral
- 4 HoursNeutral
- 1 DayNeutral
- 1 WeekNeutral
- 1 MonthNeutral
Health Score : 3.92Capital Trust Ltd, operating in the non-bank financial services sector, shows a mixed financial performance. The company demonstrates strengths in managing its debt and generating high gross profit margins. However, it struggles with revenue and profit growth, as well as low returns on capital and equity. While the company's efficiency in managing receivables is notable, its overall financial health is hindered by negative earnings per share and inconsistent profitability. The high asset growth rate may indicate expansion efforts, but these have not yet translated into improved bottom-line performance. The company faces challenges in improving profitability and achieving sustainable growth.
Overall Valuation Score
P/E RATIO (TTM)
9.00
Industry Median
24.32
Small Cap Median
21.88
P/E RATIO
-5.72
P/B RATIO
0.48
Industry Median
3.12
Small Cap Median
2.69
P/S RATIO
0.43
Industry Median
1.84
Small Cap Median
1.82
Others
PEG RATIO
0.00
EV/EBITDA RATIO
5.57
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹13.32 as on Feb 20, 2026.
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Growth Score : 2.80The company's growth metrics present a mixed picture. While it has achieved significant asset growth, this has not translated into revenue or profit growth. Declining revenue and operating profit growth rates indicate challenges in expanding the business and improving profitability. The high asset growth might indicate expansion efforts, but their effectiveness is questionable given the other negative trends.
Revenue Growth RatePoorOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 47.97 | 5.49 | -19.79 | -25.97 | -7.89 |
| Operating Profit Growth Rate | -11.9 | 71.62 | -42.52 | -94.52 | 350 |
| Earnings Per Share (EPS) Growth | -96.37 | 564.52 | -53.4 | -654.17 | -56.2 |
| Asset Growth Rate | N/A | -18.71 | -31.1 | -9.96 | -13.02 |
| Net Income Growth Rate | -97.37 | 800 | -55.56 | -700 | -58.33 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Financial Score : 4.00The company's financials reveal a mixed performance with negative earnings per share and book value and no dividends being paid. However, the company seems to be managing capital expenditures well. These factors influence investor perception and the company's financial stability.
Adjusted Earnings Per Share (Adjusted EPS)PoorCash Earnings Per Share (Cash EPS)PoorBook Value Per ShareAverageDividend Per Share (DPS)PoorCapital Expenditures (CapEx)Excellent| Financial Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Adjusted Earnings Per Share (Adjusted EPS) | 0.62 | 5.62 | 2.5 | -15 | -6.25 |
| Cash Earnings Per Share (Cash EPS) | 0.62 | 6.25 | 3.12 | -14.38 | -6.25 |
| Book Value Per Share | 136.25 | 94.38 | 96.25 | 81.25 | 75 |
| Dividend Per Share (DPS) | 0.02 | 0.19 | 0 | 0 | 0 |
| Capital Expenditures (CapEx) | 0.8 | 0.8 | 0.7 | 0.3 | 0.1 |
Adjusted Earnings Per Share (Adjusted EPS)
Cash Earnings Per Share (Cash EPS)
Book Value Per Share
Dividend Per Share (DPS)
Capital Expenditures (CapEx)
Profitability Score : 3.20The company's profitability ratios reveal a mixed performance. While the gross profit margin is strong, indicating efficient cost management, the return on capital employed, return on equity, return on assets, operating margin, and net margin are low. This suggests challenges in generating profits from its investments and operations.
Gross Profit MarginExcellentReturn on Capital Employed (ROCE)PoorReturn on Equity (ROE)PoorReturn on Assets (ROA)PoorOperating MarginPoorNet MarginPoor| Profitability Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Gross Profit Margin | 40.66 | 65.62 | 46.75 | 2.63 | 17.14 |
| Return on Capital Employed (ROCE) | 5.74 | 7.99 | 11.04 | 0.78 | 3.36 |
| Return on Equity (ROE) | 0.46 | 5.96 | 2.6 | -18.46 | -8.33 |
| Return on Assets (ROA) | 9.17 | 19.36 | 16.15 | 0.98 | 5.08 |
| Operating Margin | 40.66 | 66.15 | 47.4 | 3.51 | 17.14 |
| Net Margin | 0.55 | 4.69 | 2.6 | -21.05 | -9.52 |
Gross Profit Margin
Return on Capital Employed (ROCE)
Return on Equity (ROE)
Return on Assets (ROA)
Operating Margin
Net Margin
Efficiency Score : 6.00The company demonstrates outstanding efficiency in managing its receivables, as indicated by the receivables turnover ratio and receivable days. However, the low inventory turnover ratio and high days sales in inventory suggest potential challenges in inventory management. This divergence highlights the need for a balanced approach to optimizing working capital.
Inventory Turnover RatioPoorReceivables Turnover RatioExcellentDays Sales in Inventory RatioPoorReceivable DaysExcellent| Efficiency Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Fixed Asset Turnover Ratio | 91 | 48 | 38.5 | 57 | 52.5 |
| Inventory Turnover Ratio | N/A | N/A | N/A | N/A | N/A |
| Receivables Turnover Ratio | N/A | N/A | N/A | N/A | N/A |
| Days Sales in Inventory Ratio | N/A | N/A | N/A | N/A | N/A |
| Receivable Days | N/A | N/A | N/A | N/A | N/A |
| Capital Turnover Ratio | 0.14 | 0.17 | 0.23 | 0.18 | 0.2 |
Inventory Turnover Ratio
Receivables Turnover Ratio
Days Sales in Inventory Ratio
Receivable Days
Coverage Score : 2.00The company's coverage ratio, particularly the interest coverage ratio, indicates potential difficulties in meeting its interest obligations. This suggests that the company's earnings may not be sufficient to comfortably cover its interest expenses, which could strain its financial resources.
Interest Coverage RatioPoor| Coverage Ratios | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|---|
| Interest Coverage Ratio | 2.97 | 1.12 | 1.17 | 1.24 | 0.15 | 0.56 |
| Equity Dividend Coverage Ratio | 16.67 | 16.67 | 11.11 | N/A | N/A | N/A |
Interest Coverage Ratio
Solvency Score : 8.18The company exhibits mixed signals in its solvency. A low debt-to-equity ratio indicates a conservative capital structure, reducing financial risk. However, a low-interest coverage ratio suggests potential difficulties in meeting interest obligations, which could strain its financial stability.
Debt RatioAverageDebt to Equity RatioExcellentInterest Coverage RatioPoor| Solvency Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Debt Ratio | 0.71 | 0.76 | 0.6 | 0.66 | 0.63 |
| Debt to Equity Ratio | 2.45 | 3.17 | 1.5 | 1.94 | 1.7 |
| Equity Ratio | 0.29 | 0.24 | 0.4 | 0.34 | 0.37 |
| Debt To Asset Ratio | 0.66 | 0.73 | 0.52 | 0.63 | 0.59 |
Debt Ratio
Debt to Equity Ratio
Interest Coverage Ratio
Liquidity Score : 0.00The company's liquidity position cannot be determined due to lack of data.
Current RatioAverageQuick RatioAverageCash RatioAverage| Liquidity Ratios | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
|---|---|---|---|---|---|
| Current Ratio | 14.91 | 25.04 | 6.41 | 19.16 | 11.88 |
| Quick Ratio | 14.91 | 25.04 | 6.41 | 19.16 | 11.88 |
| Cash Ratio | 0.74 | 2.77 | 1 | 4.16 | 2.19 |
| Operating Cash Flow Ratio | -3.43 | 2.85 | 3.94 | 0.95 | 0.62 |
Current Ratio
Quick Ratio
Cash Ratio
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Capital Trust Ltd | 3.92 | -5.72 | Neutral | 37.00 | 0.48 | 7.00 |
Balanced ManagementThe management of Capital Trust Ltd presents a mixed performance. The company shows strong sales growth in the recent TTM period and a significant reduction in borrowings. However, profitability has been volatile, and ROCE is relatively low. Although promoter holding remains high, its recent decrease raises concerns.
| Category | Metric | Value | Assessment |
|---|---|---|---|
| PROS | Sales Growth (TTM) | 20% | Strong revenue expansion |
| PROS | Borrowings Reduction | Significant decrease in recent years | Improved financial health |
| CONS | Profitability Volatility | Negative profits in multiple years | Inconsistent financial performance |
| CONS | Low ROCE | 8.16% | Inefficient capital utilization |
Financial Performance & GrowthAverage
Capital Efficiency & ReturnsWeakFinancial Health & PrudenceAverageShareholding & Ownership StructureAverageFinancial Performance & Growth
Capital Trust Ltd's financial performance presents a mixed trend. While the compounded sales growth demonstrates positive momentum over the long term, there's a significant contraction when looking at the 5-year and 3-year periods. The recent TTM sales growth of 20% indicates a potential turnaround. However, the compounded profit growth is negative over the 5-year and 3-year periods, though it shows a substantial recovery in the TTM. The fluctuating OPM and net profit margins, coupled with inconsistent quarterly sales and profit growth, highlight the volatility in the company's financial performance.
| Metric | 2014-2016 | 2017-2019 | 2020-2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Compounded Sales Growth (%) | 64.89% | 29.11% | -6.6% | -17.86% | -9.74% | 20% |
| Compounded Profit Growth (%) | 18.17% | -1.82% | -44.42% | -45.64% | 2.15% | 104% |
Capital Efficiency & Returns
Capital efficiency and returns for Capital Trust Ltd are concerning. The ROCE has fluctuated significantly over the years, with a concerning drop to -15.82% in 2023 before recovering to 8.16% in 2024. This inconsistency indicates challenges in generating returns from capital employed. Similarly, ROE has been volatile, reflecting instability in shareholder returns.
| Metric | 2013–2015 | 2016-2018 | 2019-2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| ROCE (%) | 25.78% | 19.65% | 5.57% | 4.93% | -15.82% | 8.16% |
| ROE (%) | 15.07% | 13.84% | -5.24% | -6.61% | -27.89% | 1.31% |
Financial Health & Prudence
Capital Trust Ltd's financial health presents a mixed outlook. While the company has significantly reduced its borrowings over the years, indicating improved debt management.
| Metric | 2013-2015 | 2016-2018 | 2019-2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Borrowings | 52.85 | 303.34 | 348.73 | 207.93 | 95.92 | 80.08 |
Shareholding & Ownership Structure
The shareholding pattern of Capital Trust Ltd indicates a strong promoter holding. However, there has been a slight decrease in promoter holding in the latest quarter. The presence of FIIs suggests some level of institutional interest. The increasing number of shareholders may indicate growing public interest in the company.
| Metric | Mar'22 | Mar'23 | Mar'24 | Dec'24 |
|---|---|---|---|---|
| Promoter Holding (%) | 66.95% | 66.95% | 66.95% | 64.86% |
| FII Holding (%) | 0.00% | 17.27% | 17.28% | 16.61% |
Balanced RiskCapital Trust Ltd faces moderate risk due to inconsistent profitability and fluctuating OPM. The absence of off-balance sheet exposure data limits comprehensive risk evaluation.
Off-balance sheet exposure quantificationWeakContingent liability evaluationWeakSegment performance volatilityAverageOff-balance sheet exposure quantification
There is no data available regarding off-balance sheet exposure quantification, which limits the ability to assess potential financial risks and liabilities that are not reflected on the company's balance sheet.
Contingent liability evaluation
There is no specific data available for contingent liability evaluation. A comprehensive risk assessment requires detailed information on potential liabilities that may arise depending on the outcome of future events.
Segment performance volatility
There is no specific data available on segment performance volatility. Analyzing the fluctuations in performance across different segments is essential for understanding the stability and predictability of the company's overall financial results.
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