Financial Results
CIFL · price
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On the reaction day the stock moved 1.3 pts less than Nifty Microcap 250 and 0.2 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Capital India Finance Ltd reported total income of Rs 22,966.81 lakhs for FY26, up 11.4% from Rs 20,614.04 lakhs in FY25. Net profit after tax surged to Rs 4,035.84 lakhs from Rs 1,178.10 lakhs, boosted by an exceptional gain of Rs 9,791.83 lakhs from sale of its subsidiary Capital India Home Loans Limited. However, excluding this one-time gain, the lending business reported a loss of Rs 4,509.16 lakhs before exceptional items, compared to a profit of Rs 2,001.58 lakhs in FY25. The company also reported negative operating cash flow of Rs 27,871.71 lakhs for the year. Borrowings increased significantly from Rs 665.17 crores to Rs 924.24 crores. Asset quality showed Gross NPA at 2.50% and Net NPA at 1.32%.
The company appears profitable on paper due to a one-time subsidiary sale gain, but underlying lending operations deteriorated sharply with the core business turning loss-making. The significant increase in borrowings and negative operating cash flow raise concerns about financial sustainability despite the clean audit opinion.