Haryana Capfin Ltd

Ticker: HARYNACAP
Risky 48/100

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Investing Reference

Price
188.05
Market Cap
97.95
Debt/Equity
0.0000
ROE %
1.415
PB
0.2903
Promoter %
70.781
Pledge %
0.000
1Y Rev Growth %
71.526
5Y Rev Growth %
24.277
NP Margin %
69.323
NP Margin 5Y Avg %
58.400

Trading Reference

1M Return %
-1.800
6M Return %
5.409
1Y Return %
-47.406
% Away 52W High
122.361
% Away 52W Low
30.138
Daily Volume
205
Investment Verdict
Buy
Score 91/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 21/100 · 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

Haryana Capfin Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If the price breaks above the resistance level, there is a strong potential for upward movement. However, if it falls below the support, it could lead to a significant decline.
Upside Probability: 25%   |   Downside Probability: 15%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

Haryana Capfin Ltd is a leading financial services company in India, specializing in providing tailored financial solutions to individuals and small businesses. With a commitment to empowering its clients through accessible credit options, Haryana Capfin plays a vital role in fostering economic growth and financial inclusion. The company’s focus on customer-centric services and innovative products makes it a trusted partner for those seeking reliable financial support.

  • Specializes in tailored financial solutions
  • Empowers individuals and small businesses
  • Promotes financial inclusion in India
  • Customer-centric approach to services
  • Innovative products for diverse needs

Investment Thesis

Haryana Capfin Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for robust performance in the evolving financial landscape.

  • Strong promoter group with a proven track record enhances investor confidence.
  • Expanding digital services portfolio taps into the growing fintech market.
  • Valuation metrics indicate Haryana Capfin is undervalued relative to industry peers.
  • Strategic focus on technology adoption drives operational efficiency.
  • Potential for strong returns as the company capitalizes on market trends.

Opportunity vs Risk

Opportunities
  • Strong growth in financial services
  • Expanding customer base in rural areas
  • Potential for digital transformation
  • Government support for small businesses
Risks ⚠️
  • High competition in finance sector
  • Regulatory changes impact operations
  • Economic slowdown affecting loan demand
  • Rising interest rates may reduce margins

Peer Perspective

Haryana Capfin Ltd trades at a discount to peers like Manappuram Finance and Muthoot Finance, with potential for rerating contingent on improving margin stability and consistent growth in loan disbursements.

Future Outlook

Haryana Capfin Ltd is well-positioned for growth, driven by its strategic initiatives and market demand; however, successful execution and vigilant cost control will be crucial to realizing its full potential.
📊 Stock Investment Checklist (100 Points)
Haryana Capfin Ltd • Updated: 2025-09-17 15:43:49
  • 8
    Business
    High
    The company operates in a sector with moderate growth potential but lacks a strong competitive moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuations in profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are average, and cash flow generation is not stable.
  • 9
    Valuation
    High
    Valuation metrics are slightly above industry averages, indicating potential overvaluation.
  • 7
    Balance
    High
    The debt-to-equity ratio is manageable, but liquidity is a concern.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are some concerns regarding pledging.
  • 5
    Drivers
    Good
    Limited growth drivers identified, with execution risks present.
  • 1
    Technicals
    Low
    Market sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100 • Risky
Haryana Capfin 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


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