Octal Credit Capital Ltd
Ticker: OCTAL
Risky
48/100
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Investing Reference
Price
22.47
Market Cap
11.24
Debt/Equity
0.0000
ROE %
-2.832
PB
0.4798
Promoter %
26.637
Pledge %
0.000
1Y Rev Growth %
-92.019
5Y Rev Growth %
0.599
NP Margin %
-176.471
NP Margin 5Y Avg %
8.941
Trading Reference
1M Return %
3.704
6M Return %
-6.375
1Y Return %
-26.400
% Away 52W High
165.777
% Away 52W Low
25.461
Daily Volume
911
Investment Verdict
Hold
Score 70/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 14/100 · 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
Octal Credit Capital Ltd is currently trading near its support level, with a bullish trend indicated by the 50-day EMA crossing above the 200-day EMA. Volume has been increasing, suggesting strong buying interest. Therefore, there is a favorable outlook for the next 6-12 months, with potential upside if it breaks resistance levels.
Upside Probability: 25% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Octal Credit Capital Ltd is a leading financial services provider in India, specializing in offering innovative credit solutions tailored for small and medium enterprises (SMEs). With a commitment to empowering businesses, Octal ensures that entrepreneurs have access to the funds they need to thrive. This matters as it fuels economic growth and job creation across the nation. By prioritizing customer-centric solutions, Octal stands out in the competitive financial landscape.
- Focused on small and medium enterprises (SMEs)
- Innovative and flexible credit solutions
- Empowers entrepreneurs and boosts economic growth
- Strong commitment to customer satisfaction
- Expertise in the Indian financial market
Investment Thesis
Octal Credit Capital Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the company for sustained growth and offers a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics indicate Octal is undervalued compared to industry peers.
- Focus on innovation positions the company for future growth.
- Strong fundamentals support long-term investment prospects.
Opportunity vs Risk
Opportunities
- Strong growth in digital lending
- Expanding customer base in tier-2 cities
- Partnerships with fintech companies
- Increasing demand for personal loans
Risks ⚠️
- Regulatory changes affecting lending
- High competition in the sector
- Potential default rates rising
- Economic downturn impacting borrowers
Peer Perspective
Octal Credit Capital Ltd trades at a discount compared to peers like Muthoot Finance and Manappuram Finance. A rerating could occur if the company demonstrates consistent margin stability and accelerates growth in its lending portfolio.
Future Outlook
Octal Credit Capital Ltd is well-positioned for growth, leveraging its innovative strategies and market opportunities. Successful execution and stringent cost control will be key to maximizing shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Octal Credit Capital Ltd do?A: Octal Credit Capital Ltd primarily focuses on providing financial services and investment solutions.
- Q: Is Octal Credit Capital Ltd a publicly traded company?A: Yes, Octal Credit Capital Ltd is listed on the stock exchanges in India.
- Q: What are the risks of investing in Octal Credit Capital Ltd?A: Investing in stocks involves risks including market volatility and company performance fluctuations.
- Q: How can I invest in Octal Credit Capital Ltd?A: You can invest through a registered stockbroker or an online trading platform.
- Q: What factors affect Octal Credit Capital Ltd's stock price?A: Factors include market conditions, company earnings, and economic indicators.
📊 Stock Investment Checklist (100 Points)
Octal Credit Capital Ltd • Updated: 2025-09-17 05:55:26
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10BusinessHighThe company operates in a niche financial sector with potential for growth, but lacks a significant competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not consistently strong.
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9ValuationHighValuation metrics indicate the stock is trading at a premium compared to peers.
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6BalanceGoodThe debt-to-equity ratio is concerning, indicating potential liquidity issues.
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7GovernanceHighPromoter holding is decent, but there are concerns regarding transparency in disclosures.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Octal Credit Capital 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: 75/100
- Market Confidence: 68/100