Capital India Finance Ltd
NSE: CIFL · Non Banking Financial Company (NBFC) · sector
₹16.06NSE close 2026-10-26
Key numbers
Market cap₹628 cr
Price₹16.06
52w high / low₹40 / ₹16
P/E14.1xSector median 13.8x
P/B0.9xSector median 1.1x
Book value₹17.1
Dividend yield0.12%Sector median 0.61%
ROE6.8%Sector median 3.6%
ROA2.57%Sector median 1.94%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y–Sector median +24.6%
Profit growth 3y–Sector median +28.6%
PEG–
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 250 companies in Non Banking Financial Company (NBFC) (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Net loss in 1 of the last 6 quarters.
- Dividend paid in 1 of the last 2 financial years.
- Price ₹16.06 on 2026-10-26: -59.5% from the 52-week high, 0.0% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹42.21 · low ₹16.06
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Total income | 43 | 45 | 41 | 62 | 64 | 69 |
| Net interest income | 43 | 45 | 41 | 62 | 64 | 69 |
| Other income | 0 | 0 | 0 | 1 | 1 | 1 |
| Net profit | 1 | 0 | 38 | -0 | 3 | 4 |
| EPS (₹) | 0.03 | 0.00 | 0.97 | -0.01 | 0.08 | 0.10 |
| Revenue YoY | +49.1% | +51.7% | ||||
| Profit YoY | +162.8% | +3,318.2% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY25 | FY26 | TTM |
|---|---|---|---|
| Revenue | 183 | 227 | 236 |
| Net profit | 12 | 40 | 44 |
| EPS (₹) | 0.30 | 1.03 | 1.14 |
| Revenue growth | +23.8% | – | |
| Profit growth | +242.6% | – | |
| Dividend / share (₹) | – | 0.02 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | – |
| Net profit | – | – | – |
| EPS | – | – | – |
| Share price | – | – (2y) | -48.3% |
Balance sheet
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Shareholders' equity | 622 | 669 |
| Borrowings | 659 | 880 |
| Cash & equivalents | 160 | 255 |
| Total assets | 1,367 | 1,711 |
| Fixed assets | 10 | 7 |
| Capital work in progress | 0 | 0 |
| Inventory | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Cash from operations | 48 | -279 |
| Cash from investing | -47 | 86 |
| Cash from financing | 16 | 268 |
| Capex | 3 | 2 |
| Free cash flow | 45 | -281 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY25 | FY26 |
|---|---|---|
| ROE % | 1.9% | 6.0% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 72.59% |
| FIIs | 0.02% |
| DIIs | 0.03% |
| Public (non-institutions) | 27.37% |
| Quarter | Mar 2025 | Apr 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 72.95% | 72.95% | 72.87% | 72.84% | 72.59% | 72.59% | 72.59% | 72.59% |
| Promoter group | % |
|---|---|
| Capital India Corp Private Limited | 72.59% |
| Rapipay Fintech Private Limited | 0.00% |
| Credenc WEB Technologies Private Limited | 0.00% |
| Capital India Wealth Management Private Limited | 0.00% |
| Cifl Holdings Private Limited | 0.00% |
| Yellow Whale Technologies Private Limited | 0.00% |
| Public holders above 1% | % |
|---|---|
| Dharampal Satyapal Limited | 9.77% |
| RJ Corp Limited | 4.87% |
| DLF Utilities Limited | 2.83% |
| The Good Stuff Private Limited | 1.39% |
| Sudhir Power Limited | 1.22% |
8,240 shareholders. Pledged: – of promoter shares.
Peers in Non Banking Financial Company (NBFC)
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | ₹5,71,790 cr | 28.1x | 5.2x | 19.9% | 4.14% | – | +25.1% | 0.60% |
| SHRIRAMFIN | ₹1,55,223 cr | 14.6x | 2.4x | 18.5% | 3.51% | – | +17.4% | 0.94% |
| TATACAP | ₹1,27,155 cr | 34.6x | 3.3x | 9.3% | 1.76% | – | – | 0.14% |
| CHOLAFIN | ₹1,23,499 cr | 21.4x | 4.1x | 21.2% | 2.34% | – | +34.4% | 0.14% |
| MUTHOOTFIN | ₹96,184 cr | 9.1x | 2.5x | 32.1% | 5.91% | – | +37.9% | 1.08% |
| LTF | ₹60,381 cr | 17.1x | 2.1x | 12.8% | 2.25% | – | +273.2% | 1.14% |
| SBICARD | ₹51,225 cr | 22.5x | 3.3x | 15.4% | 3.43% | – | +13.3% | 0.42% |
| PIRAMALFIN | ₹44,923 cr | 21.9x | 1.4x | 6.3% | 1.66% | – | – | 0.55% |
| SUNDARMFIN | ₹43,352 cr | 22.5x | 3.4x | 16.2% | 2.82% | – | +23.8% | 0.95% |
| CIFL | ₹628 cr | 14.1x | 0.9x | 6.8% | 2.57% | – | – | 0.12% |
Business segments (FY26)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Lending business | ₹205 cr | 89.1% | ₹-45 cr | -22.0% |
| Forex business | ₹25 cr | 10.9% | ₹-7 cr | -29.8% |
| Unallocated | ₹0 cr | – | ₹98 cr | – |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2025-09-19 | Dividend | Dividend - Re 0.02 Per Share |
Documents
- Annual report FY26
- Annual report FY25
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Lending activities performed as Systemically Important Non-Deposit accepting Non-Banking Financial Company: Business of loans, advances and investments
- Foreign Exchange services as an Authorised Dealer Category-II and Money Transfer Service Scheme: Business related to foreign exchange money changing activity and inward cross border international money transfers
| Sector | Financial Services |
| Industry | Non Banking Financial Company (NBFC) |
| Sub-industry | Non Banking Financial Company (NBFC) |
| Symbol | CIFL |
| BSE code | 530879 |
| ISIN | INE345H01024 |
| Face value | ₹2.0 |
| Incorporated | 1994-11-16 |
| Website | www.capitalindia.com |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.