Capital Trust
: CAPTRUST · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Capital Trust's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Capital Trust Ltd is a non-deposit taking non-banking financial company that provides MSME and gold loans. The company operates a network of 287 branches across 10 Indian states, serving over 47,000 customers.
Business Model
The company generates revenue primarily through interest income earned on its MSME and gold loan portfolios. It is currently shifting its business model from a focus on unsecured MSME lending towards asset-backed secured gold loans.
- Customer Base:47,355
- Branch Network:287
Growth Outlook
Growth is expected to be driven by the strategic transition toward secured gold lending, which reduces credit risk. The company continues to leverage its existing branch footprint to penetrate deeper into its target markets.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on MSME or gold loans, particularly during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that could impact its operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates may affect the company's net interest margins and the cost of borrowing funds for lending activities.
- Concentration Risk. Operating in a limited number of states and focusing on specific loan segments exposes the company to regional economic shocks.
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Key Metrics
REVENUE
₹42 Cr
TTM · standalone
NET PROFIT
₹-47 Cr
TTM · standalone
EPS
₹-21.70
TTM · standalone
RETURN ON EQUITY
-58.7%
TTM · standalone
P/E
-0.6x
Q4 FY26 · standalone
NET PROFIT MARGIN
-192.9%
Q4 FY26 · standalone
DEBT TO EQUITY
1.7%
Q1 FY23 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Capital TrustCAPTRUST | ₹68 Cr | -0.92 | — | -56.1% | — | -58.7% | — | -55.3% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q4 FY26
Financials
Capital Trust
: CAPTRUST · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Capital Trust's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Capital Trust Ltd is a non-deposit taking non-banking financial company that provides MSME and gold loans. The company operates a network of 287 branches across 10 Indian states, serving over 47,000 customers.
Business Model
The company generates revenue primarily through interest income earned on its MSME and gold loan portfolios. It is currently shifting its business model from a focus on unsecured MSME lending towards asset-backed secured gold loans.
- Customer Base:47,355
- Branch Network:287
Growth Outlook
Growth is expected to be driven by the strategic transition toward secured gold lending, which reduces credit risk. The company continues to leverage its existing branch footprint to penetrate deeper into its target markets.
Key Risks
- Credit Risk. The company faces potential losses if borrowers default on MSME or gold loans, particularly during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that could impact its operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates may affect the company's net interest margins and the cost of borrowing funds for lending activities.
- Concentration Risk. Operating in a limited number of states and focusing on specific loan segments exposes the company to regional economic shocks.
Start your research today
Unlock AI insights, financials, peers and live data on Capital Trust and 5,000+ companies — free.
Key Metrics
REVENUE
₹42 Cr
TTM · standalone
NET PROFIT
₹-47 Cr
TTM · standalone
EPS
₹-21.70
TTM · standalone
RETURN ON EQUITY
-58.7%
TTM · standalone
P/E
-0.6x
Q4 FY26 · standalone
NET PROFIT MARGIN
-192.9%
Q4 FY26 · standalone
DEBT TO EQUITY
1.7%
Q1 FY23 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26