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Capital India Finance Ltd logo

Capital India Finance Ltd

NSE: CIFL BSE: 530879

25.28

(-2.69%)

Thu, 21 May 2026, 05:55 pm

Capital India Finance Analysis

dividend

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Pros

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    Cons

    • Capital India Finance is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
    • No need to calculate the sustainability of Capital India Finance's dividends as it is not paying a notable one for India.
    • Capital India Finance is not paying a notable dividend for India, therefore no need to check if the payments are stable.
    • Capital India Finance's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
    • Capital India Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).

    health

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    Pros

    • Capital India Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Capital India Finance is profitable, therefore cash runway is not a concern.
    • Capital India Finance is profitable, therefore cash runway is not a concern.
    • Debt is well covered by operating cash flow (24.6%, greater than 20% of total debt).
    • Debt is covered by short term assets, assets are 5.2x debt.
    • Capital India Finance's cash and other short term assets cover its long term commitments.
    • The level of debt compared to net worth has been reduced over the past 5 years (1502.9% vs 23.1% today).
    • Interest payments on debt are well covered by earnings (EBIT is 3.4x coverage).
    • Capital India Finance's level of debt (23.1%) compared to net worth is satisfactory (less than 40%).
    • Low level of unsold assets.
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    Cons

      management

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      Pros

      • Amit's compensation has been consistent with company performance over the past year, both up more than 20%.
      • The tenure for the Capital India Finance management team is about average.
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      Cons

      • The average tenure for the Capital India Finance board of directors is less than 3 years, this suggests a new board.
      • Amit's remuneration is higher than average for companies of similar size in India.

      misc

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      Pros

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        Cons

        • Capital India Finance is not covered by any analysts.
        • Capital India Finance has significant price volatility in the past 3 months.

        past

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        Pros

        • Capital India Finance's 1-year earnings growth exceeds its 5-year average (189.3% vs 77.6%)
        • Capital India Finance has delivered over 20% year on year earnings growth in the past 5 years.
        • Capital India Finance used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
        • Capital India Finance has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
        • Capital India Finance's earnings growth has exceeded the IN Diversified Financial industry average in the past year (189.3% vs 13.5%).
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        Cons

        • Capital India Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

        value

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        Pros

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          Cons

          • Capital India Finance is overvalued based on assets compared to the IN Diversified Financial industry average.
          • Capital India Finance is overvalued based on earnings compared to the IN Diversified Financial industry average.
          • Capital India Finance is overvalued based on earnings compared to the India market.
          • 530879 underperformed the Diversified Financial industry which returned -37.3% over the past year.
          • 530879 underperformed the Market in India which returned -14.5% over the past year.
          • BSE:530879 is flat (-0.5%) underperforming the Diversified Financial industry which returned 10.8% over the past month.
          • BSE:530879 is flat (-0.5%) underperforming the market in India which returned 8% over the past month.

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          Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800