Integrated Filing (Financial)
CIFL · price
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On the reaction day the stock moved 3.3 pts less than Nifty Microcap 250 and 2.3 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 Limited, a non-deposit taking NBFC, announced audited standalone and consolidated results for Q4 and FY ended March 31, 2025, along with an unmodified (clean) auditor's report from V. Sankar Aiyar & Co. Standalone total income declined to Rs 184.45 crore from Rs 194.66 crore, while standalone profit after tax fell sharply to Rs 11.78 crore from Rs 20.10 crore (-41% YoY); Q4 standalone PAT crashed to Rs 1.13 crore from Rs 5.41 crore. On a consolidated basis, the company reported a net loss of Rs 10.22 crore for FY25 versus a loss of Rs 6.43 crore in FY24, dragged down by subsidiaries. The Board recommended a small final dividend of Rs 0.02 per share (1% on Rs 2 face value), subject to shareholder approval. Asset quality remained healthy with gross NPA at 1.83% and CRAR at a strong 36.08%. Outstanding qualified borrowings rose to Rs 665.17 crore from Rs 550.49 crore, with credit rating at A/Stable.
Sharply lower profits on both standalone and consolidated bases, combined with a minimal dividend, suggest weak earnings momentum and are likely to weigh on investor sentiment despite comfortable asset quality and capital adequacy. Shareholders should note the significant PAT decline and the continued consolidated-level losses at subsidiaries as areas of concern, even as the company remains well-capitalized.