Capital Trade Links Limited

BSE: CTL · Non Banking Financial Company (NBFC)

52W Range₹14 ₹32

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Snapshot

Unlock Capital Trade Links Limited's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Capital Trade Links Limited is an Indian non-banking financial company that provides credit facilities, including business loans, personal loans, and loans against property. It primarily serves the underserved retail and MSME sectors to bridge financing gaps for small-scale entrepreneurs.

Business Model

The company generates revenue primarily through interest income earned on its diverse loan portfolio. It balances traditional lending practices with modern risk assessment tools to maintain asset quality and capital adequacy.

Management Commentary

Management focuses on sustainable credit delivery and maintaining a robust loan book within the competitive Indian financial services landscape.

Growth Outlook

Growth is expected to be driven by increasing credit penetration within the MSME and retail segments. The company aims to leverage its risk assessment capabilities to expand its loan book while managing credit costs.

Key Risks

  • Credit Risk. The company faces potential losses if borrowers in the retail and MSME segments default on their loan obligations.
  • Interest Rate Risk. Fluctuations in market interest rates may impact the company's net interest margins and overall profitability.
  • Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
  • Liquidity Risk. The company relies on its ability to secure funding at competitive rates to maintain its lending operations and meet capital adequacy requirements.

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Key Metrics

REVENUE

₹22 Cr

TTM · standalone

-14.0%YoY

NET PROFIT

₹3 Cr

TTM · standalone

-57.0%YoY

EPS

₹0.40

TTM · standalone

-60.8%YoY

RETURN ON EQUITY

3.9%

TTM · standalone

-6.9 ppYoY

P/E

58.5x

Q4 FY26 · standalone

58.5 vs 26.1x5Y avg

DEBT TO EQUITY

1.9%

Q1 FY25 · standalone

-1.1 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Capital Trade Links LimitedCTL
₹352 Cr68.33-14.0%3.9%+70.8%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials