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Neutral
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Investor Presentation
Q3 FY26
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Capital India Finance Ltd (CIFL) is currently trading at 16.83 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Capital India Finance Limited is a listed middle-layer NBFC that provides secured, asset-backed credit primarily to MSMEs, self-employed individuals and small business owners, with a core product mix centered on loan against property and a growing suite of fintech-enabled lending and payments services through subsidiaries and brands like RapiPay and RemitX. In FY26 CIFL reported a significant profit jump to Rs.40.36 crore PAT driven materially by a one-time Gain on sale of its housing subsidiary of Rs.97.92 crore, while recurring interest income grew to Rs.186.09 crore; however credit cost rose sharply to Rs.35.91 crore, indicating near-term portfolio seasoning and loss provisioning pressures. The company has purposefully pivoted into a fintech-led model: CIFL holds a neo-bank / BaaS enabled fintech (52.5% owned), operates RapiPay with ~730k DBOs, serves ~100+ million unique customers and covers 17,500 pin codes, positioning Capital India Finance Limited to monetise payments, prepaid instruments and remittance flows alongside lending. Capital India Finance Limited strengthened its funding and liquidity profile in FY26, raising Rs.618 crore, holding outstanding debt around Rs.938 crore, maintaining a low gearing ratio (~1.39x) and establishing a diverse lender base of 23 institutions, which provides a runway for scaled MSME lending while keeping liquidity buffers and risk appetite intact. Management emphasises the transformation is complete and CIFL is now ‘growth ready’, focusing on accelerating secured MSME lending, deepening current markets, improving digital underwriting and collections, and absorbing front‑loaded expansion costs to gain operating leverage and improve cost-to-income as volumes expand.
Over the past 52 weeks, Capital India Finance Ltd has traded between a low of ₹15.59 and a high of ₹40.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Capital India Finance Ltd has a market capitalization of approximately 630.38. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Capital India Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 23.44 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 630.38 Cr, Capital India Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Capital India Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Capital India Finance Ltd is 23.44. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Capital India Finance reported a net profit of ₹40.36 crore for FY26, up from ₹11.78 crore in the previous year.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
250.00 | 730 Cr | 31.47 | 5.65 | 0.00 | 19.55 | 79.55 | 29.44 | ||
157.90 | 711 Cr | 53.67 | 4.96 | 0.15 | 15.16 | 8.65 | 1.86 | ||
138.65 | 697 Cr | 14.25 | 1.70 | 0.72 | 11.07 | 10.85 | 2.47 | ||
16.12 | 630 Cr | 23.44 | 0.99 | 0.00 | -8.70 | 0.86 | 1.46 | ||
127.30 | 564 Cr | 6.43 | 3.43 | 0.39 | 53.09 | 34.26 | 18.29 | ||
191.00 | 521 Cr | 81.17 | 0.23 | 0.52 | 0.05 | 1.53 | 0.22 | ||
1727.50 | 510 Cr | 25.12 | 0.16 | 0.04 | 0.31 | 0.40 | 0.48 | ||
| Median: 7 Co. | — | 157.90 | 630 Cr | 25.12 | 1.70 | 0.15 | 11.07 | 8.65 | 1.86 |
Capital India Finance Limited is a listed middle-layer NBFC that provides secured, asset-backed credit primarily to MSMEs, self-employed individuals and small business owners, with a core product mix centered on loan against property and a growing suite of fintech-enabled lending and payments services through subsidiaries and brands like RapiPay and RemitX.
In FY26 CIFL reported a significant profit jump to Rs.40.36 crore PAT driven materially by a one-time Gain on sale of its housing subsidiary of Rs.97.92 crore, while recurring interest income grew to Rs.186.09 crore; however credit cost rose sharply to Rs.35.91 crore, indicating near-term portfolio seasoning and loss provisioning pressures.
The company has purposefully pivoted into a fintech-led model: CIFL holds a neo-bank / BaaS enabled fintech (52.5% owned), operates RapiPay with ~730k DBOs, serves ~100+ million unique customers and covers 17,500 pin codes, positioning Capital India Finance Limited to monetise payments, prepaid instruments and remittance flows alongside lending.
Capital India Finance Limited strengthened its funding and liquidity profile in FY26, raising Rs.618 crore, holding outstanding debt around Rs.938 crore, maintaining a low gearing ratio (~1.39x) and establishing a diverse lender base of 23 institutions, which provides a runway for scaled MSME lending while keeping liquidity buffers and risk appetite intact.
Management emphasises the transformation is complete and CIFL is now ‘growth ready’, focusing on accelerating secured MSME lending, deepening current markets, improving digital underwriting and collections, and absorbing front‑loaded expansion costs to gain operating leverage and improve cost-to-income as volumes expand.
Finance
Non Banking Financial Company (NBFC)
658 Cr
High Risk
24.5
15.2
—
1.0
40.00
15.59
Sales CAGR
Profit CAGR
ROE
ROCE
