Capital India Finance Limited
Fundamental Score
Capital India Finance Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of CIFL across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Consistent Growth Track Record (27.83% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Balanced Promoter Holding (72.84%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
11 factors identified
Below-Average Return on Equity (0.30%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (6.34%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-11118.37%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Revenue Contraction (-8.39%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Weak Earnings Growth (-36.01% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (-36.00% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Elevated Debt Levels (D/E: 1.04)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (0.33x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-400.23 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Limited Institutional Interest (FII+DII: 0.08%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Financial Statements
Comprehensive financial data for Capital India Finance Limited
About CIFL
Business Overview
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 various loans, such as home, home improvement, home extension, NRI home, and home loan balance transfer, as well as 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 foreign currency notes, overseas remittances, foreign currency prepaid travel card, and import and export of foreign currency notes. The company was formerly known as Bhilwara Tex-Fin Limited and changed its name to Capital India Finance Limited in August 2017. Capital India Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India. Capital India Finance Limited is a subsidiary of Capital India Corp Private Limited.
Company Details
Key Leadership
Corporate Events
CIFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Capital India Finance Limited (CIFL)?
As of 29 Jan 2026, 10:34 am IST, Capital India Finance Limited (CIFL) is currently trading at ₹32.93. The stock has a market capitalization of ₹1.33K (Cr).
Is CIFL share price Overvalued or Undervalued?
CIFL is currently trading at a P/E ratio of 0.00x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Capital India Finance Limited share price?
Key factors influencing CIFL's price include its quarterly earnings growth (Sales Growth: -8.39%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Capital India Finance Limited a good stock for long-term investment?
Capital India Finance Limited shows a 5-year Profit Growth of -36.00% and an ROE of 0.30%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.04 before investing.
How does Capital India Finance Limited compare with its industry peers?
Capital India Finance Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare CIFL's P/E of 0.00x and ROE of 0.30% against the industry averages to determine its competitive standing.
What is the P/E ratio of CIFL and what does it mean?
CIFL has a P/E ratio of N/Ax compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is CIFL performing according to Bull Run's analysis?
CIFL has a Bull Run fundamental score of 16.6/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does CIFL belong to?
CIFL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Capital India Finance Limited.
What is Return on Equity (ROE) and why is it important for CIFL?
CIFL has an ROE of 0.30%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Capital India Finance Limited generates profits from shareholders' equity.
How is CIFL's debt-to-equity ratio and what does it indicate?
CIFL has a debt-to-equity ratio of 1.04, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is CIFL's dividend yield and is it a good dividend stock?
CIFL offers a dividend yield of 0.06%, which means you receive ₹0.06 annual dividend for every ₹100 invested.
How has CIFL grown over the past 5 years?
CIFL has achieved 5-year growth rates of: Sales Growth 27.83%, Profit Growth -36.00%, and EPS Growth -36.01%.
What is the promoter holding in CIFL and why does it matter?
Promoters hold 72.84% of CIFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is CIFL's market capitalization category?
CIFL has a market capitalization of ₹1335 crores, placing it in the Small-cap category.
How volatile is CIFL stock?
CIFL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for CIFL?
CIFL has a 52-week high of ₹N/A and low of ₹N/A.
What is CIFL's operating profit margin trend?
CIFL has a 5-year average Operating Profit Margin (OPM) of 13.49%, indicating the company's operational efficiency.
How is CIFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -8.39% and YoY Profit Growth of -11118.37%.
What is the institutional holding pattern in CIFL?
CIFL has FII holding of 0.08% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.