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Capital India Finance Ltd. (CIFL.NS)

INR21.64 -0.38 (-1.73%)
IN NSE Financial Services Financial - Credit Services
Address Birla Aurora 400030
Mumbai, MA, IN
CEO Pinank Jayant Shah
IPO 2025-04-17
ISIN INE345H01024

Explore sections of this company profile

Also trades on Bombay Stock Exchange · CIFL.BO (INR) National Stock Exchange of India · CIFL.NS (INR)
Description

Operating as a prominent non-banking financial company (NBFC) in India, Capital India Finance Limited offers a comprehensive suite of lending and foreign exchange services. Its extensive lending portfolio caters to small businesses with secured financing, equipment acquisition funding, and supply chain liquidity solutions. For individual customers, it extends a variety of retail loans, including mortgages (for purchase, improvement, extension, or for Non-Resident Indians), options for refinancing existing home loans, and credit secured by property. Beyond financing, the company also manages RapiPay, a platform offering assisted payment facilities and point-of-sale systems. Additionally, its RemitX division caters to retail foreign exchange requirements, providing services such as currency notes, international money transfers, pre-paid travel cards denominated in foreign currency, and facilitating the import and export of foreign banknotes. Established in 1994, the company, originally known as Bhilwara Tex-Fin Limited, adopted its current name in August 2017. Capital India Finance Limited is headquartered in Mumbai, India, and operates as a subsidiary of Capital India Corp Private Limited.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR21.64 -0.38 (-1.73%)
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Volume Profile
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Liquidity & share structure
Average Volume
261.2K
Beta
0.45
Float Shares
13.22M
Free Float %
3.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.30% -4.65% -17.25% -17.37% -34.21% -34.06% -43.24% -35.64% -35.64% -35.64% -35.64%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
21.64
Quality scores
MOAT Score
0 / 10
No MOAT
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    -7.3% Q1'26: +6.2% (vs Q1'25)
  • EPS growth Financial - Credit Services: +24.0%
    +2,325.0% Q1'26: +74.0% (vs Q1'25)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    +11.3% Q1'26: -4.8% (vs Q1'25)
  • EBIT margin Financial - Credit Services: +28.7%
    +7.0% Q1'26: -2.9% (vs Q1'25)
  • ROIC Financial - Credit Services: +5.0%
    +2.4% Q1'26: -0.9% (vs Q1'25)
  • Share dilution Financial - Credit Services: +0.0%
    +1.2% Q1'26: -0.2% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    14.06× Q1'26: 60.92× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.45) × ERP
WACC = 49% × Ke + 51% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 21.64
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-12 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-11 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-10 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-09 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-08 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-05 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-04 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-03 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-02 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-06-01 C 2/5 1/5 2/5 4/5 1/5 1/5 2/5
2026-05-29 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-05-27 C+ 2/5 1/5 2/5 4/5 1/5 2/5 2/5
2026-05-26 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-05-25 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-05-22 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-21 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-20 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-19 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-18 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-15 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-14 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-13 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-12 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-11 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-08 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-07 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-06 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-05 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-04 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-30 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-29 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-66.72M
OE per share TTM
-0.17
Owner's Yield
-0.74%
Maintenance CapEx ratio
7.07%
Maint CapEx / Avg PPE
7.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
603.8K
Shares Outstanding
391.06M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Keshav Porwal MD & Executive Director 20M male
Manvinder Singh Walia Chief Operating Officer male
Navin Mishra Chief Human Resources Officer male
Pinank Jayant Shah Chief Executive Officer male
Srinivas Vasuki Nidumolu Chief Technology Officer male
Subhendu Bhanja Chief of Service Delivery male
Sulabh Kaushal Chief Compliance Officer & Company Secretary male
Surender Rana Executive Vice Chairman male
Vellattu Puthanveetil Ravindran Menon Chief Executive Officer of RemitX male
Gaurav Vyas Chief Information Security Officer male
Vikas Kumar Srivastava Chief Financial Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings reports

Stock splits