TRU
TruCap Finance Limited (TRU) Stock Analysis
TruCap Finance Limited is an NBFC providing loans to SMEs, supply-chain vendors, and retail customers in India. It focuses on secured and unsecured credit with technology-enabled underwriting. The company operates as a listed small finance platform on Indian exchanges.
Financial Services › Credit Services
₹4.50
+5.92% 1W | -59.30% 52W
Market Cap
54 CR
P/E Ratio
–
52W High
₹11
52W Low
₹3.9
Div. Yield
0%
Beta
0.9
50 DMA
₹4.3
200 DMA
₹5.8
Profit Margin
0%
Inst. Own.
0%
🚀 BREAKOUT
🚀 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 | 38 | 43 | 40 | 41 | 52 | 58 | 52 | 35 | 30 | 23 | 15 | 15 | 11 |
| Interest | 17 | 18 | 21 | 23 | 26 | 27 | 25 | 21 | 20 | 20 | 14 | 21 | 4 |
| Expenses | 17 | 20 | 22 | 24 | 22 | 26 | 25 | 71 | 36 | 48 | 52 | 19 | 20 |
| Financing Profit | 3 | 4 | -3 | -5 | 4 | 4 | 2 | -56 | -26 | -45 | -51 | -25 | -13 |
| Financing Margin % | 9% | 10% | -7% | -12% | 7% | 7% | 4% | -159% | -86% | -199% | -340% | -174% | -119% |
| Other Income | 0 | 0 | 9 | 12 | 0 | 1 | 1 | 1 | 12 | 2 | 1 | 1 | 1 |
| Depreciation | 2 | 2 | 3 | 2 | 2 | 2 | 2 | 21 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 1 | 3 | 3 | 4 | 2 | 3 | 1 | -76 | -16 | -46 | -52 | -26 | -14 |
| Tax % | 29% | 47% | 13% | -39% | 35% | 61% | -25% | -11% | -42% | -28% | -19% | -27% | -25% |
| Net Profit | 1 | 1 | 3 | 6 | 1 | 1 | 1 | -68 | -9 | -33 | -42 | -19 | -11 |
| EPS in Rs | 0.09 | 0.12 | 0.24 | 0.49 | 0.10 | 0.09 | 0.08 | -5.79 | -0.77 | -2.77 | -3.57 | -1.61 | -0.89 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19 | 19 | 30 | 76 | 123 | 162 | 197 | 83 | 64 |
| Interest | 5 | 2 | 4 | 24 | 51 | 79 | 99 | 75 | 60 |
| Expenses | 12 | 12 | 22 | 40 | 63 | 83 | 144 | 151 | 139 |
| Financing Profit | 2 | 6 | 4 | 12 | 10 | -0 | -46 | -143 | -135 |
| Financing Margin % | 12% | 31% | 12% | 15% | 8% | -0% | -24% | -173% | -212% |
| Other Income | 0 | 0 | 0 | 0 | 1 | 21 | 3 | -2 | 4 |
| Depreciation | 0 | 0 | 1 | 5 | 8 | 9 | 28 | 8 | 7 |
| Profit before tax | 2 | 6 | 3 | 7 | 2 | 11 | -71 | -152 | -138 |
| Tax % | 12% | 27% | 53% | 45% | 74% | 4% | -17% | -26% | |
| Net Profit | 2 | 4 | 1 | 4 | 1 | 11 | -59 | -113 | -105 |
| EPS in Rs | 0.32 | 0.60 | 0.17 | 0.45 | 0.05 | 0.94 | -5.07 | -9.48 | -8.84 |
| Dividend Payout % | 16% | 3% | 6% | 2% | 18% | 1% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -12.0% | 23.0% | – |
Shareholding Pattern
Promoters30.97%
FIIs5.82%
DIIs0.93%
Public62.30%
Promoters30.97%
FIIs5.22%
DIIs0.99%
Public62.83%
Promoters30.97%
FIIs5.19%
DIIs0.99%
Public62.87%
Promoters30.97%
FIIs5.19%
DIIs0.99%
Public62.87%
Promoters30.97%
FIIs5.02%
DIIs0.99%
Public63.05%
Promoters58.44%
FIIs8.45%
DIIs0.07%
Public33.04%
Promoters47.38%
FIIs9.70%
Public42.92%
Promoters35.76%
FIIs6.18%
DIIs0.94%
Public57.12%
Promoters30.97%
FIIs5.19%
DIIs0.99%
Public62.87%
Promoters30.97%
FIIs5.02%
DIIs0.99%
Public63.05%
TRU
Holdings Analysis
Key strengths & risk signals
40
Overall
29
Fundamental
52
Technical
Risks (4)
LOW MARGIN! 0% profit margin - thin profits.
POOR YEAR! Stock declined 59.3% in the last year.
WEAK! Trading at 8.5% of 52W range - near yearly lows.
BEARISH SENTIMENT! In last 30 days: 15 up days, 13 down days. Avg volume on up days: 80,848 vs down days: 102,320. Ratio: 0.79x
Strengths (3)
BREAKOUT! Stock has broken above resistance levels with momentum.
BELOW MARKET! Beta of 0.90 - slightly less volatile than market.
MIXED POSITION! Current price (4.5) above 50-day but below 200-day.
Fundamental & Technical Analysis
40Overall
29Fundamental
52Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: -12.7% (DECLINING, 2/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
0/10
LOW MARGIN! 0% profit margin - thin profits.
PEG Valuation
0/10
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
10/20
SIGNIFICANT PUBLIC HOLDING! 37.86% public ownership - moderate retail influence.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (4.3) is below 200-day average (5.8) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (4.5) above 50-day but below 200-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
0/10
POOR YEAR! Stock declined 59.3% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 15 up days, 13 down days. Avg volume on up days: 80,848 vs down days: 102,320. Ratio: 0.79x
RSI
3/5
BULLISH! RSI at 61.0 - positive momentum.
52W Range
1/5
WEAK! Trading at 8.5% of 52W range - near yearly lows.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 5.9% (1 week), 6.9% (1 month), -16.9% (3 months).
Beta
4/5
BELOW MARKET! Beta of 0.90 - slightly less volatile than market.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TRU | ₹4.50 | – | – | -12.7% | – | -59.3% | 40 | BREAKOUT | +16.5% | -44.8% | -62.2% | -22.6% |
| CAPTRUST | ₹23.50 | – | -173.8% | -21.0% | – | -28.8% | 64 | BREAKOUT | -102.4% | -101.1% | +3.4% | +140.0% |
| WILLAMAGOR | ₹20.20 | – | – | -12.1% | – | -37.0% | 33 | BREAKDOWN | -794.4% | +400.0% | -100.0% | -100.0% |
| TCIFINANCE | ₹14.10 | – | – | – | – | +17.6% | 41 | BREAKDOWN | -25.0% | -400.0% | – | – |
| DCMFINSERV | ₹4.80 | – | – | – | – | -7.7% | 34 | BOUNCE FROM SUPPORT | -33.3% | +100.0% | – | – |
| SONAL | ₹81.50 | 5.1 | 133.6% | 15.6% | 12.6% | -11.4% | 56 | APPROACHING SUPPORT | -69.0% | -52.7% | -44.1% | -61.2% |
| MAHAPEXLTD | ₹51.60 | – | – | 0.2% | – | -47.4% | 44 | BREAKDOWN | -85.4% | -170.0% | 0.0% | 0.0% |
| BAIDFIN | ₹10.10 | 9.3 | 28.6% | 13.0% | 15.0% | -12.9% | 56 | APPROACHING RESISTANCE | +8.5% | +155.3% | +13.1% | +1.6% |
Data from TradeAlone · Updated daily
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