CIFL
Capital India Finance Limited (CIFL) Stock Analysis
Capital India Finance Limited is an Indian NBFC providing loans to SMEs and retail customers. It focuses on secured lending and financial inclusion in select geographies. Funding costs and collection efficiency determine its results in India. The company is listed on Indian stock exchanges and operates from India.
Financial Services › Credit Services
₹20.10
-3.32% 1W | -40.10% 52W
Market Cap
785 CR
P/E Ratio
20.3
52W High
₹39.7
52W Low
₹18.6
Div. Yield
0%
Beta
0.6
50 DMA
₹20.8
200 DMA
₹26
Profit Margin
7.3%
Inst. Own.
0%
⚡ APPROACHING SUPPORT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 174.99 | 176.11 | 165.12 | 167.38 | 158.27 | 142.82 | 135.01 | 139.33 | 122.64 | 131.79 | 147.02 | 125.15 | 127.74 |
| Interest | 25.74 | 26.24 | 25.30 | 24.77 | 25.62 | 16.55 | 18.65 | 27.62 | 19.82 | 19.75 | 22.24 | 21.72 | 25.34 |
| Expenses | 146.23 | 146.90 | 133.99 | 139.98 | 132.94 | 120.97 | 110.34 | 108.69 | 100.82 | 158.78 | 124.16 | 102.21 | 103.84 |
| Financing Profit | 3.02 | 2.97 | 5.83 | 2.63 | -0.29 | 5.30 | 6.02 | 3.02 | 2.00 | -46.74 | 0.62 | 1.22 | -1.44 |
| Financing Margin % | 1.73% | 1.69% | 3.53% | 1.57% | -0.18% | 3.71% | 4.46% | 2.17% | 1.63% | -35.47% | 0.42% | 0.97% | -1.13% |
| Other Income | 11.47 | 2.47 | 0.66 | 2.42 | 0.70 | 4.23 | 1.03 | 2.00 | 0.48 | 105.92 | 1.06 | 2.73 | 0.79 |
| Depreciation | 7.31 | 7.96 | 7.64 | 7.26 | 7.92 | 7.77 | 8.03 | 7.94 | 8.11 | 8.12 | 7.66 | 7.47 | 7.79 |
| Profit before tax | 7.18 | -2.52 | -1.15 | -2.21 | -7.51 | 1.76 | -0.98 | -2.92 | -5.63 | 51.06 | -5.98 | -3.52 | -8.44 |
| Tax % | 32.45% | 102.78% | 105.22% | 71.95% | -15.45% | 65.91% | 94.90% | -11.99% | 0.18% | 12.50% | -13.04% | -15.62% | 14.10% |
| Net Profit | 4.85 | -5.11 | -2.37 | -3.80 | -6.35 | 0.60 | -1.91 | -2.56 | -5.64 | 44.69 | -5.19 | -2.98 | -9.63 |
| EPS in Rs | 0.27 | 0.00 | 0.01 | 0.02 | -0.04 | 0.08 | 0.02 | -0.02 | -0.07 | 1.15 | -0.07 | -0.00 | -0.08 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 26 | 60 | 179 | 318 | 532 | 655 | 680 | 543 | 524 | 532 |
| Interest | 10 | 9 | 17 | 24 | 51 | 84 | 105 | 75 | 87 | 89 |
| Expenses | 11 | 31 | 127 | 265 | 476 | 633 | 562 | 455 | 484 | 489 |
| Financing Profit | 5 | 19 | 36 | 29 | 5 | -62 | 13 | 13 | -47 | -46 |
| Financing Margin % | 19% | 32% | 20% | 9% | 1% | -9% | 2% | 2% | -9% | -9% |
| Other Income | 0 | 0 | 0 | -0 | -2 | 1 | 18 | 9 | 115 | 110 |
| Depreciation | 0 | 8 | 12 | 15 | 21 | 25 | 30 | 31 | 31 | 31 |
| Profit before tax | 4 | 11 | 24 | 15 | -18 | -85 | 1 | -9 | 36 | 33 |
| Tax % | 37% | 42% | 43% | 59% | 18% | 2% | 599% | 12% | 14% | |
| Net Profit | 3 | 7 | 14 | 6 | -21 | -87 | -6 | -10 | 31 | 27 |
| EPS in Rs | 0.89 | 0.17 | 0.44 | 0.25 | -0.07 | -1.07 | 0.30 | -0.03 | 1.02 | 1.00 |
| Dividend Payout % | 13% | 48% | 5% | 8% | -28% | -2% | 7% | -63% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -7.0% | 10.0% | – |
| Profit CAGR | -14.0% | – | – |
Shareholding Pattern
Promoters72.87%
FIIs0.28%
Public26.85%
Promoters72.84%
FIIs0.08%
Public27.07%
Promoters72.59%
FIIs0.06%
Public27.34%
Promoters72.59%
FIIs0.03%
Public27.38%
Promoters72.59%
FIIs0.02%
DIIs0.03%
Public27.36%
Promoters73.04%
Public26.96%
Promoters73.04%
Public26.97%
Promoters72.95%
FIIs0.13%
Public26.93%
Promoters72.59%
FIIs0.03%
Public27.38%
Promoters72.59%
FIIs0.02%
DIIs0.03%
Public27.36%
CIFL
Holdings Analysis
Key strengths & risk signals
42
Overall
37
Fundamental
47
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 40.1% in the last year.
WEAK POSITION! Current price (20.1) is below both moving averages.
WEAK! Trading at 7.1% of 52W range - near yearly lows.
Strengths (3)
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 207,774 vs down days: 194,950. Ratio: 1.07x
NEUTRAL! RSI at 41.0 - balanced momentum.
Fundamental & Technical Analysis
42Overall
37Fundamental
47Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: -7.4% (DECLINING, 2/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
3/10
LOW MARGIN! 7.3% profit margin - thin profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 26.97% public ownership - balanced ownership structure.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (20.8) is below 200-day average (26.0) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (20.1) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
0/10
POOR YEAR! Stock declined 40.1% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 207,774 vs down days: 194,950. Ratio: 1.07x
RSI
3/5
NEUTRAL! RSI at 41.0 - balanced momentum.
52W Range
1/5
WEAK! Trading at 7.1% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.3% (1 week), 0.2% (1 month), 10.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CIFL | ₹20.10 | 20.3 | 7.3% | -7.4% | – | -40.1% | 42 | APPROACHING SUPPORT | +17.9% | +1,550.0% | +0.7% | +1.2% |
| MANBA | ₹141.60 | 14.6 | 33.8% | 35.9% | 39.9% | +5.7% | 84 | APPROACHING RESISTANCE | +35.7% | +19.8% | +35.1% | -7.9% |
| HEXATRADEX | ₹157.00 | – | -150.2% | 71.9% | – | -10.2% | 44 | APPROACHING SUPPORT | -950.0% | -151.5% | – | -100.0% |
| FINKURVE | ₹69.50 | 33.7 | 18.4% | 59.8% | 22.0% | -45.4% | 67 | BREAKDOWN | +64.7% | +5.0% | +87.9% | +13.0% |
| LAXMIINDIA | ₹106.20 | 9.3 | 30.6% | 33.1% | 46.1% | -26.0% | 76 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
| MANCREDIT | ₹227.20 | 26.6 | 23.2% | 48.1% | 24.6% | +33.4% | 78 | BREAKOUT | +90.0% | +3.6% | +53.1% | +4.2% |
| UYFINCORP | ₹24.80 | 7.9 | 29.1% | 37.0% | 84.0% | +58.9% | 90 | BREAKOUT | +226.7% | +12.6% | +181.1% | +3.3% |
| CSLFINANCE | ₹203.30 | 5.4 | 32.5% | 29.8% | 23.6% | -27.5% | 62 | BREAKDOWN | +3.8% | +13.9% | +17.4% | +0.6% |
Data from TradeAlone · Updated daily
