Capital India Finance Limited
Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising various loans, such as home, home improvement, home extension, NRI home, and home loan balance transfer, as well as loans against… Read more
Capital India Finance Limited (CIFL) - Net Assets
Latest net assets as of September 2025: ₹6.94 Billion INR
Based on the latest financial reports, Capital India Finance Limited (CIFL) has net assets worth ₹6.94 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹16.01 Billion) and total liabilities (₹9.07 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹6.94 Billion |
| % of Total Assets | 43.36% |
| Annual Growth Rate | -2.0% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 2.52 |
Capital India Finance Limited - Net Assets Trend (2022–2025)
This chart illustrates how Capital India Finance Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Capital India Finance Limited (2022–2025)
The table below shows the annual net assets of Capital India Finance Limited from 2022 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹6.53 Billion | -0.95% |
| 2024-03-31 | ₹6.60 Billion | +0.49% |
| 2023-03-31 | ₹6.56 Billion | -5.43% |
| 2022-03-31 | ₹6.94 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Capital India Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 343.1% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | ₹778.26 Million | 12.39% |
| Other Components | ₹5.75 Billion | 91.50% |
| Total Equity | ₹6.28 Billion | 100.00% |
Capital India Finance Limited Competitors by Market Cap
The table below lists competitors of Capital India Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SolarWorld Aktiengesellschaft
PINK:SRWRF
|
$2.98K |
|
New Leaf Ventures Inc
PINK:NLVVF
|
$2.98K |
|
Phuc Thinh Design Construction Trading Corp
VN:PTD
|
$2.98K |
|
Inflection Point Acquisition Corp. III Rights
NASDAQ:IPCXR
|
$2.99K |
|
VODACOM TANZANIA PLC
DSE:VODA
|
$2.97K |
|
Thu Duc Trading&Import Export JSC
VN:TMC
|
$2.97K |
|
Phoenix Healthcare Group Co. Ltd
STU:1PH
|
$2.97K |
|
CN ALUMINUM INT -H- (4AI.SG)
STU:4AI
|
$2.97K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Capital India Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 6,226,246,000 to 6,279,587,000, a change of 53,341,000 (0.9%).
- Net income of 15,476,000 contributed positively to equity growth.
- Dividend payments of 7,773,000 reduced retained earnings.
- New share issuances of 6,633,000 increased equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹15.48 Million | +0.25% |
| Dividends Paid | ₹7.77 Million | -0.12% |
| Share Issuances | ₹6.63 Million | +0.11% |
| Other Changes | ₹39.01 Million | +0.62% |
| Total Change | ₹- | 0.86% |
Book Value vs Market Value Analysis
This analysis compares Capital India Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.65x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-03-31 | ₹15.85 | ₹26.20 | x |
| 2023-03-31 | ₹15.49 | ₹26.20 | x |
| 2024-03-31 | ₹15.84 | ₹26.20 | x |
| 2025-03-31 | ₹15.84 | ₹26.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Capital India Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.25%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.27%
- • Asset Turnover: 0.31x
- • Equity Multiplier: 2.95x
- Recent ROE (0.25%) is above the historical average (-1.30%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | -0.45% | -0.54% | 0.31x | 2.62x | ₹-648.90 Million |
| 2023 | -6.86% | -6.60% | 0.35x | 2.96x | ₹-1.02 Billion |
| 2024 | 1.87% | 1.79% | 0.36x | 2.89x | ₹-506.15 Million |
| 2025 | 0.25% | 0.27% | 0.31x | 2.95x | ₹-612.48 Million |
Industry Comparison
This section compares Capital India Finance Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,294,783,195
- Average return on equity (ROE) among peers: 16.66%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Capital India Finance Limited (CIFL) | ₹6.94 Billion | -0.45% | 1.31x | $2.98K |
| Akme Fintrade India Ltd (AFIL) | $3.82 Billion | 8.69% | 0.77x | $14.54 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $97.80 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.85 Million |
| Capital Trust Limited (CAPTRUST) | $93.80 Million | 16.46% | 2.19x | $586.90K |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $555.03 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $1.74 Billion |
| CP Capital Limited (CPCAP) | $5.46 Billion | 6.99% | 0.14x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $724.43 Million |
| CSL Finance Limited (CSLFINANCE) | $2.33 Billion | 9.66% | 0.43x | $19.61 Million |