Announcement
Announcement under Regulation 30 (LODR)-Press Release / Media Release 5 Oct - Capital Trust's gold loan business scaled to six branches, ₹5-6 Cr monthly disbursements, and ₹45 Cr cumulative disbursements.
Source: Bse
Capital Trust Limited (CAPTRUST)
Small CapFinancial Services stocks · Small cap · NSE
Capital Trust Limited operates in Microfinance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
Data qualityFresh enough for analysisQuote updated 19 Oct, 03:15 pm ISTDetails
Quote19 Oct, 03:15 pm IST
Base fundamentals06 Oct 2026 · screener
Latest result12 Aug, 06:33 pm IST
Score20 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage13/14 · 93%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
66Bullishfull bull SMA stack · SMA20 +6.5% / mo · MACD +
Stock trend: 81
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
CAPTRUSTD candles · FIT view+66.3%Latest close ₹21.60 on 2026-10-19
Bar
-2.2%
RSI
57
MACD hist
0.07
52W pos
57%
2026-10-19O ₹22.09H ₹22.09L ₹21.50C ₹21.60Vol 4,202 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
CAPTRUSTNifty Financial ServicesNifty 500
- CAPTRUST
- +54.5%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- +60.1 pp
Chart stats
19 Oct 2026- From 52W high
- -36.6%
- 52W range position
- 46%
- ATR (14)
- 4.1%
- Volume vs 20D
- 0.11x
- Avg traded value
- ₹0.1 Cr
- 20D price channel
- ₹16.9 - ₹24
₹34.1
₹11 - ₹34.1
₹0.9
Latest completed session
20-session average
49.6% annualized volatility
Research snapshot
What the evidence says now
Weak fundamentals, while price trend supports entry. This looks more like momentum/speculation than a clean fundamental investment setup.
Weak U-Score but strong trend: momentum may be ahead of fundamentals.
Suggested next step
Check latest quarters
Result consistency is weak; verify whether the thesis is improving or deteriorating.
U-Score
Legacy · OVERVALUED15
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Bad0
Revenue -2.7% · PAT NDF YoY
Technical
Bullish66
Price trend and sector-relative-strength timing.
Valuation
Legacy model-510.5%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence55
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Bad · 0/100Rev -3% YoY · +28% QoQ
Filed 12 Aug 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹12.1 Cr | -2.7% | +28.0% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹0.2 Cr | NDF | NDF |
| PAT margin | 1.7% | +6876 bps | +19456 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 10.30
- P/B
- 0.71
- EV/EBITDA
- 196.80
- Market Cap
- 67.80Cr
Profitability
- ROE
- -8.18%
- ROCE
- 5.06%
- ROA
- 2.50%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- -3.00%
- EPS 5Y
- -20.00%
- Revenue 3Y
- -18.00%
- EPS 3Y
- -31.00%
Balance Sheet
- Debt/Equity
- 1.04
- Interest Coverage
- —
- Altman Z
- 0.96
- Book Value
- 28.00
Cash Flow
- FCF Yield
- 23.60%
- FCF Positive Y
- 4/5
- OCF
- 16.00 Cr
- EPS TTM
- 1.48
Shareholding
- Promoter Hold
- 54.13%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 39%
Financial History
Updated 20/10/2026
Revenue
₹ CrLatest: 12.1+28.0% vs prev
Net Profit
₹ CrLatest: 0.2+101.1% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Mixed signalsSignals are conflicting — long-term uptrend intact. RSI 57. Wait for confirmation.
- Price > SMA20 > SMA50 > SMA200 — full bullish stack.
- SMA20 rising (~6.1% over last month) — short-term momentum positive.
- RSI(14) at 57 — falling, no extreme reading.
- MACD above signal but histogram contracting — bullish momentum cooling.
- 27% off 52W high · 97% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
81
RS percentile
Stage 2 UptrendEstablished S2
1M return
+11.4%
3M return
+54.5%
6M return
+60.6%
1Y return
-14.5%
RS 1D
0
RS 20D
+10
Sector rank
#10
Industry rank
#67
Stage evidence
- Price is 37.8% above the 30-week proxy.
- The 50-DMA is above the 30-week proxy and its slope is rising +7.6%.
- Both 3-month and 6-month returns are positive.
50-DMA
price above
200-DMA
price above
S2 entered
22 Jul 2026
S2 age
62 trading sessions
Sector
weakening
Industry
lagging
Relative-strength line vs Nifty 500 (base 100)
262 observations
19 Oct 2026Value 82.9+0.77%
RS vs Nifty 50083
Valuation & peers
U-Score 15 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 15 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Distress Watch
Fundamental score breakdown
U band · OVERVALUEDValuation12/30
Growth0/25
Quality0/20
Balance Sheet3/15
Cash Flow8/10
Piotroski
1/9 (+0)
Penalties
-8
Raw sum
15
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
15/100 · legacy band OVERVALUED
Positive drivers
- FCF yield is supportive at 23.6%.
- Cash flow contributes 8/10 to the score.
- Valuation contributes 12/30 to the score.
Main drags
- Altman Z is 1.0, in distress territory.
- Penalty bucket subtracts 8 points.
- Fair-value margin of safety is negative at -510.5%.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
10.3
PB
0.7
EV/EBITDA
196.8
ROE
-8.2%
ROCE
5.1%
FCF Yield
23.6%
Debt/Equity
1.0
MoS
-510.5%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 20 Oct 2026
v4.3-runtime-valuation
Final score
15
Previous: 15
Legacy U-Score band
OVERVALUED
Previous: OVERVALUED
Margin of safety
-510.5%
Previous: -510.5%
Score history
12 stored score snapshots. Latest stored move: +0 points.
20 Oct 2026
v4.3-runtime-valuation
14
14
14
14
14
14
15
15
15
15
15
15
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹30.54
+29.3% MoS
Growth-justified P/E
2.4
Growth-justified Value
₹3.54
-510.5% MoS
PEG
—
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
FUSION
Small
Fusion Finance Limited
NBFC
match 154
21
16.1
0.7%
-530%
OVERVALUED
CREDITACC
Small
CREDITACCESS GRAMEEN LIMITED
NBFC
match 153
33
16.3
10.5%
+36%
WATCHLIST
AYE
Small
Aye Finance Limited
NBFC
match 152
39
16.9
9.2%
+47%
WATCHLIST
ARMANFIN
Small
Arman Financial Services Limited
NBFC
match 152
39
15.9
6.3%
+46%
WATCHLIST
HYBRIDFIN
Small
Hybrid Financial Services Limited
NBFC
match 139
50
20.1
6.5%
+27%
FAIR VALUE
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Capital Trust Limited operates in Microfinance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
55Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 16th percentile of the scored universe and 28th percentile within Financial Services. Main check: results consistency is weak at 15/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
69 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
16th percentile
overall median 67 · Financial Services: 28th pctile, median 62 · Small: 18th pctile, median 66
Evidence depth
Financial-only
69 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
78
strong · holding, pledge, alignment
Cash flow
89
strong · profit to cash conversion
Balance sheet
35
weak · leverage and solvency
Discipline
40
weak · capital discipline
Results
15
weak · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸FCF yield is 23.5%.
- ▸4 years of positive FCF.
Trust risks
- ▸Altman Z is 0.96.
- ▸4 latest quarters had PAT decline worse than 25% YoY.
- ▸Debt/equity is 1.04.
- ▸ROCE is low at 5.1%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Capital Trust Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
AnnouncementSep 2026
Sep 2026 · Board Meeting Outcome for Outcome Of Board Meeting Under Regulation 30 Of SEBI (LODR) Regulations, 2015 27 May - Capital Trust approved FY26 audited results and set 39th AGM for 18 September 2026.
Source: Bse
Investor presentationAug 2026
Aug 2026 · PPT
Source: Bse
AnnouncementJun 2026
Jun 2026 · Announcement under Regulation 30 (LODR)-Press Release / Media Release 12 Aug - Q1FY27 PAT turns positive at ₹0.20 crore; AUM rises 52% to ₹240 crore.
Source: Bse
Investor presentationMay 2026
May 2026 · PPT
Source: Bse
Investor presentationMay 2026
May 2026 · PPT
Source: Bse
AnnouncementApr 2026
Apr 2026 · Closure of Trading Window 30 Mar
Source: Bse
AnnouncementApr 2026
Apr 2026 · Announcement under Regulation 30 (LODR)-Press Release / Media Release 4 Apr - Capital Trust enters gold loans, opens fourth branch and second Gurgaon branch on 04 April 2026.
Source: Bse
Annual reportMar 2026
Mar 2026 · Annual Report 2026
Source: Bse
AnnouncementMar 2026
Mar 2026 · Announcement under Regulation 30 (LODR)-Press Release / Media Release 27 May - Capital Trust reported Q4FY26 PBT ₹0.13 Cr, reduced GNPA to 2.8%, and completed secured-lending shift.
Source: Bse
Investor presentationFeb 2026
Feb 2026 · PPT
Source: Bse
Investor presentationFeb 2026
Feb 2026 · PPT
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.