Capital India Finance Ltd
Ticker: CIFL
Risky
48/100
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Investing Reference
Price
35.43
Market Cap
1430.62
Debt/Equity
1.5253
ROE %
0.236
PB
2.1901
Promoter %
72.867
Pledge %
0.000
1Y Rev Growth %
-11.400
5Y Rev Growth %
28.114
NP Margin %
0.251
NP Margin 5Y Avg %
-0.383
Trading Reference
1M Return %
2.261
6M Return %
7.887
1Y Return %
-30.008
% Away 52W High
57.155
% Away 52W Low
22.215
Daily Volume
125269
Investment Verdict
Risky
Score 58/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 23/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Capital India Finance Ltd is currently trading near a strong support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, there is potential for significant upside. However, if it falls below the support, downside risks increase.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Capital India Finance Ltd is a leading financial services company in India, dedicated to providing innovative solutions for individuals and businesses. With a focus on empowering customers through accessible financing options, it caters to a diverse clientele, including small and medium enterprises. The company plays a crucial role in driving economic growth by facilitating financial inclusion and supporting entrepreneurship. Its commitment to transparency, customer-centric approach, and robust risk management makes it a trusted partner in the financial landscape.
- Established player in the Indian finance sector
- Focus on empowering individuals and SMEs
- Commitment to financial inclusion
- Transparent and customer-centric services
- Strong risk management practices
- Contributes to economic growth and entrepreneurship
Investment Thesis
Capital India Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This combination positions the company for sustainable growth in the evolving financial landscape.
- Strong backing from a reputable promoter group ensures stability and strategic direction.
- Robust growth trajectory in digital services aligns with the increasing demand for fintech solutions.
- Valuation metrics indicate a favorable entry point compared to industry peers.
- Focus on expanding customer base enhances revenue potential and market share.
- Commitment to innovation positions the company well for future growth opportunities.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into rural markets
- Digital transformation initiatives
- Strong government support for MSMEs
Risks ⚠️
- Regulatory changes impacting operations
- High competition in finance sector
- Economic downturn affecting loan repayments
- Credit risk from borrowers
Peer Perspective
Capital India Finance Ltd trades at a discount to peers like Bajaj Finance and HDFC Ltd, primarily due to concerns over margin stability; a consistent improvement in profitability could trigger a rerating.
Future Outlook
Capital India Finance Ltd is well-positioned for growth, driven by its strategic initiatives and market opportunities. However, successful execution and stringent cost control will be crucial to achieving its long-term objectives.
AI FAQs for Retail Users
- Q: What does Capital India Finance Ltd do?A: Capital India Finance Ltd provides financial services including lending and investment solutions for various sectors.
- Q: Is Capital India Finance Ltd a good investment?A: Investing in any stock depends on individual financial goals and risk tolerance. Research thoroughly before investing.
- Q: What are the risks associated with investing in this stock?A: Market volatility, regulatory changes, and sector performance can impact stock prices and investor returns.
- Q: How can I buy shares of Capital India Finance Ltd?A: Shares can be purchased through a stockbroker or an online trading platform that offers access to Indian stocks.
- Q: What is the company's financial health?A: Review the company's financial statements and reports for insights on profitability, debt levels, and cash flow.
📊 Stock Investment Checklist (100 Points)
Capital India Finance Ltd • Updated: 2025-09-17 01:40:04
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8BusinessHighThe sector is evolving with digital finance solutions, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with some quarters showing declines.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodLimited growth catalysts identified; execution risks are high.
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1TechnicalsLowMarket sentiment is weak with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Capital India Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100