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Earnings Call

Capital India Finance Earnings Call: Key Takeaways

Capital India Finance Ltd (CIFL) reported FY26 Standalone Total Income of ₹327.59cr and PAT of ₹40.36cr. The company is pivoting towards secured MSME lending and scaling its fintech subsidiary, RapiPay.

Why this was an Alfa AlertNot a filter event. PAT growth included an exception item (gain on subsidiary sale). No specific prior guidance comparison provided.
Highlights
Revenue growthTotal Income rose 59% YoY to ₹327.59cr.
MarginsNet Portfolio Yield improved 19 bps YoY to 15.28%.
Demand visibilityStrong MSME demand driving 62% disbursement growth.

Growth

AUM grew 22% YoY to ₹1,227cr; PAT surged 243% YoY; Disbursements increased 62% to ₹754cr.

Outlook

Targeting accelerated secured MSME lending, digital transformation, and improving operating leverage via scale.

Risks

Credit costs rose significantly to ₹35.91cr in FY26 from ₹4.04cr in FY25.

Source

Earnings Call filed with BSE, NSE: CIFL. Summary written with AI assistance from the document.

Read the document ↗

Capital India Finance Ltd: key numbers

Share price
₹22.04
Market cap
₹861.9 Cr
Revenue (annual)
₹528.0 Cr
Net profit (annual)
₹38.89 Cr
P/E (TTM)
22.4×Sector 22.0×
Promoter holding
72.59%+0.00% QoQ
FII holding
0.02%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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17:37 IST BSE
Credit Rating

Capital India Finance Credit Rating

Acuite Ratings & Research assigned a 'ACUITE A-' rating to Capital India Finance's proposed Non-Convertible Debentures of INR 100 Crore.

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Debt & Borrowing

Capital India Finance Debt & Borrowing: ₹100 Cr

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Value
₹100.0 Cr
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