Reported Earnings • May 28
Full year 2026 earnings released: ₹18.40 loss per share (vs ₹0.67 profit in FY 2025) Full year 2026 results: ₹18.40 loss per share (down from ₹0.67 profit in FY 2025). Net loss: ₹468.2m (down ₹479.4m from profit in FY 2025). Over the last 3 years on average, earnings per share has increased by 41% per year but the company’s share price has fallen by 41% per year, which means it is significantly lagging earnings. 공시 • May 28
Capital Trust Limited, Annual General Meeting, Sep 18, 2026 Capital Trust Limited, Annual General Meeting, Sep 18, 2026. 공시 • May 23
Capital Trust Limited to Report Fiscal Year 2026 Results on May 27, 2026 Capital Trust Limited announced that they will report fiscal year 2026 results on May 27, 2026 Reported Earnings • Feb 18
Third quarter 2026 earnings released: ₹0.95 loss per share (vs ₹0.03 profit in 3Q 2025) Third quarter 2026 results: ₹0.95 loss per share (down from ₹0.03 profit in 3Q 2025). Net loss: ₹24.3m (down ₹24.9m from profit in 3Q 2025). Over the last 3 years on average, earnings per share has increased by 39% per year but the company’s share price has fallen by 44% per year, which means it is significantly lagging earnings. 공시 • Feb 10
Capital Trust Limited to Report Q3, 2026 Results on Feb 14, 2026 Capital Trust Limited announced that they will report Q3, 2026 results at 12:15 PM, Indian Standard Time on Feb 14, 2026 Reported Earnings • Nov 16
Second quarter 2026 earnings released: ₹10.51 loss per share (vs ₹0.14 profit in 2Q 2025) Second quarter 2026 results: ₹10.51 loss per share (down from ₹0.14 profit in 2Q 2025). Net loss: ₹178.8m (down ₹181.2m from profit in 2Q 2025). Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has fallen by 38% per year, which means it is significantly lagging earnings. New Risk • Nov 15
New major risk - Shareholder dilution The company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 109% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). Shareholders have been substantially diluted in the past year (109% increase in shares outstanding). Market cap is less than US$10m (₹701.9m market cap, or US$7.91m). 공시 • Nov 11
Capital Trust Limited to Report Q2, 2026 Results on Nov 14, 2025 Capital Trust Limited announced that they will report Q2, 2026 results at 12:15 PM, Indian Standard Time on Nov 14, 2025 New Risk • Aug 29
New major risk - Market cap size The company's market capitalization is less than US$10m. Market cap: ₹749.5m (US$8.50m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. This is currently the only risk that has been identified for the company. Reported Earnings • Aug 16
First quarter 2026 earnings released: ₹4.89 loss per share (vs ₹0.45 profit in 1Q 2025) First quarter 2026 results: ₹4.89 loss per share (down from ₹0.45 profit in 1Q 2025). Revenue: ₹70.5m (down 66% from 1Q 2025). Net loss: ₹83.2m (down ₹90.6m from profit in 1Q 2025). Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 21% per year, which means it is significantly lagging earnings. New Risk • Aug 05
New major risk - Shareholder dilution The company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 41% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 4.5% per year over the past 5 years. Shareholders have been substantially diluted in the past year (41% increase in shares outstanding). Minor Risks Share price has been volatile over the past 3 months (7.1% average weekly change). Profit margins are more than 30% lower than last year (1.5% net profit margin). Market cap is less than US$100m (₹1.33b market cap, or US$15.1m). New Risk • Jul 17
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Indian stocks, typically moving 7.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 4.5% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (7.0% average weekly change). Profit margins are more than 30% lower than last year (1.5% net profit margin). Market cap is less than US$100m (₹1.19b market cap, or US$13.9m). 공시 • May 28
Capital Trust Limited, Annual General Meeting, Sep 15, 2025 Capital Trust Limited, Annual General Meeting, Sep 15, 2025. New Risk • May 28
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 1.4% Last year net profit margin: 3.1% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Share price has been highly volatile over the past 3 months (11% average weekly change). Earnings have declined by 4.5% per year over the past 5 years. Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (1.4% net profit margin). Market cap is less than US$100m (₹1.67b market cap, or US$19.5m). Reported Earnings • May 28
Full year 2025 earnings released: EPS: ₹0.66 (vs ₹1.32 in FY 2024) Full year 2025 results: EPS: ₹0.66 (down from ₹1.32 in FY 2024). Revenue: ₹768.3m (up 11% from FY 2024). Net income: ₹11.1m (down 48% from FY 2024). Profit margin: 1.4% (down from 3.1% in FY 2024). Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings. 공시 • May 19
Capital Trust Limited to Report Fiscal Year 2025 Results on May 27, 2025 Capital Trust Limited announced that they will report fiscal year 2025 results at 12:15 PM, Indian Standard Time on May 27, 2025 Valuation Update With 7 Day Price Move • Feb 28
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to ₹77.99, the stock trades at a trailing P/E ratio of 77.3x. Average trailing P/E is 18x in the Consumer Finance industry in India. Total loss to shareholders of 33% over the past three years. 공시 • Feb 03
Capital Trust Limited to Report Q3, 2025 Results on Feb 14, 2025 Capital Trust Limited announced that they will report Q3, 2025 results at 12:15 PM, Indian Standard Time on Feb 14, 2025 New Risk • Feb 03
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Indian stocks, typically moving 7.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 31% per year over the past 5 years. High level of non-cash earnings (46% accrual ratio). Minor Risks Share price has been volatile over the past 3 months (7.8% average weekly change). Market cap is less than US$100m (₹1.89b market cap, or US$21.7m). Valuation Update With 7 Day Price Move • Feb 02
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to ₹103, the stock trades at a trailing P/E ratio of 78.7x. Average trailing P/E is 20x in the Consumer Finance industry in India. Total loss to shareholders of 17% over the past three years. Reported Earnings • Nov 16
Second quarter 2025 earnings released: EPS: ₹0.14 (vs ₹0.32 in 2Q 2024) Second quarter 2025 results: EPS: ₹0.14 (down from ₹0.32 in 2Q 2024). Revenue: ₹197.7m (up 12% from 2Q 2024). Net income: ₹2.33m (down 55% from 2Q 2024). Profit margin: 1.2% (down from 2.9% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth. 공시 • Oct 31
Capital Trust Limited to Report Q2, 2025 Results on Nov 14, 2024 Capital Trust Limited announced that they will report Q2, 2025 results on Nov 14, 2024 New Risk • Aug 20
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Indian stocks, typically moving 8.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks High level of debt (88% net debt to equity). Share price has been volatile over the past 3 months (8.3% average weekly change). Large one-off items impacting financial results. Market cap is less than US$100m (₹2.56b market cap, or US$30.5m). Reported Earnings • Aug 15
First quarter 2025 earnings released: EPS: ₹0.45 (vs ₹0.30 in 1Q 2024) First quarter 2025 results: EPS: ₹0.45 (up from ₹0.30 in 1Q 2024). Revenue: ₹206.5m (up 31% from 1Q 2024). Net income: ₹7.34m (up 52% from 1Q 2024). Profit margin: 3.6% (up from 3.1% in 1Q 2024). Over the last 3 years on average, earnings per share has increased by 14% per year and the company’s share price has also increased by 14% per year. 공시 • Jul 26
Capital Trust Limited to Report Q1, 2025 Results on Aug 13, 2024 Capital Trust Limited announced that they will report Q1, 2025 results at 3:30 PM, Indian Standard Time on Aug 13, 2024 New Risk • Jun 17
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 40% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 40% per year over the past 5 years. Minor Risks High level of debt (88% net debt to equity). Share price has been volatile over the past 3 months (8.7% average weekly change). Large one-off items impacting financial results. Market cap is less than US$100m (₹1.88b market cap, or US$22.5m). 공시 • May 31
Capital Trust Limited, Annual General Meeting, Jun 29, 2024 Capital Trust Limited, Annual General Meeting, Jun 29, 2024. Reported Earnings • May 30
Full year 2024 earnings released: EPS: ₹1.32 (vs ₹28.14 loss in FY 2023) Full year 2024 results: EPS: ₹1.32 (up from ₹28.14 loss in FY 2023). Revenue: ₹692.7m (up 272% from FY 2023). Net income: ₹21.5m (up ₹477.9m from FY 2023). Profit margin: 3.1% (up from net loss in FY 2023). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 8% per year, which means it is well ahead of earnings. 공시 • May 29
Capital Trust Limited announced that it expects to receive INR 500 million in funding from Moonlight Equity Private Limited, Prodigee Finance Limited and other investors Capital Trust Limited announced a private placement of equity shares for the gross proceeds of INR 500,000,000 on May 28, 2024. The shares will be issued on preferential basis. The transaction will include participation from new investors, Moonlight Equity Private Limited, Prodigee Finance Limited, individual investors, Amit Goel, Komal Saboo. The transaction has been approved by the shareholders of the company. 공시 • May 16
Capital Trust Limited to Report Q4, 2024 Results on May 28, 2024 Capital Trust Limited announced that they will report Q4, 2024 results on May 28, 2024 Reported Earnings • Feb 14
Third quarter 2024 earnings released: EPS: ₹0.34 (vs ₹2.18 loss in 3Q 2023) Third quarter 2024 results: EPS: ₹0.34 (up from ₹2.18 loss in 3Q 2023). Revenue: ₹172.1m (up 15% from 3Q 2023). Net income: ₹5.53m (up ₹40.9m from 3Q 2023). Profit margin: 3.2% (up from net loss in 3Q 2023). The move to profitability was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings. 공시 • Feb 13
Capital Trust Limited Announces Resignation of Sanjiv Syal as Independent Director Capital Trust Limited announced resignation of Mr. Sanjiv Syal as independent director of the company due to pre-occupancy and personal reasons. 공시 • Feb 04
Capital Trust Limited to Report Q3, 2024 Results on Feb 13, 2024 Capital Trust Limited announced that they will report Q3, 2024 results on Feb 13, 2024 Reported Earnings • Nov 09
Second quarter 2024 earnings released: EPS: ₹0.32 (vs ₹1.24 in 2Q 2023) Second quarter 2024 results: EPS: ₹0.32 (down from ₹1.24 in 2Q 2023). Revenue: ₹176.6m (up 4.6% from 2Q 2023). Net income: ₹5.12m (down 75% from 2Q 2023). Profit margin: 2.9% (down from 12% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 33% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings. 공시 • Nov 01
Capital Trust Limited to Report Q2, 2024 Results on Nov 08, 2023 Capital Trust Limited announced that they will report Q2, 2024 results on Nov 08, 2023 Reported Earnings • Aug 15
First quarter 2024 earnings released: EPS: ₹0.30 (vs ₹1.20 in 1Q 2023) First quarter 2024 results: EPS: ₹0.30 (down from ₹1.20 in 1Q 2023). Revenue: ₹177.3m (down 18% from 1Q 2023). Net income: ₹4.83m (down 75% from 1Q 2023). Profit margin: 2.7% (down from 9.0% in 1Q 2023). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has increased by 13% per year, which means it is well ahead of earnings. 공시 • Aug 05
Capital Trust Limited to Report Q1, 2024 Results on Aug 14, 2023 Capital Trust Limited announced that they will report Q1, 2024 results on Aug 14, 2023 Reported Earnings • May 28
Full year 2023 earnings released: ₹28.14 loss per share (vs ₹6.38 loss in FY 2022) Full year 2023 results: ₹28.14 loss per share (further deteriorated from ₹6.38 loss in FY 2022). Revenue: ₹171.9m (down 69% from FY 2022). Net loss: ₹456.4m (loss widened 341% from FY 2022). Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings. 공시 • May 28
Capital Trust Limited, Annual General Meeting, Sep 20, 2023 Capital Trust Limited, Annual General Meeting, Sep 20, 2023. 공시 • May 23
Capital Trust Limited to Report Q4, 2023 Results on May 27, 2023 Capital Trust Limited announced that they will report Q4, 2023 results at 3:30 PM, Indian Standard Time on May 27, 2023 Valuation Update With 7 Day Price Move • Mar 29
Investor sentiment deteriorates as stock falls 15% After last week's 15% share price decline to ₹53.10, the stock trades at a trailing P/E ratio of 42.7x. Average trailing P/E is 22x in the Consumer Finance industry in India. Negligible returns to shareholders over past three years. Reported Earnings • Feb 15
Third quarter 2023 earnings released: ₹2.18 loss per share (vs ₹0.59 profit in 3Q 2022) Third quarter 2023 results: ₹2.18 loss per share (down from ₹0.59 profit in 3Q 2022). Revenue: ₹149.6m (down 32% from 3Q 2022). Net loss: ₹35.4m (down 469% from profit in 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 34% per year but the company’s share price has only fallen by 11% per year, which means it has not declined as severely as earnings. 공시 • Feb 07
Capital Trust Limited to Report Q3, 2023 Results on Feb 14, 2023 Capital Trust Limited announced that they will report Q3, 2023 results on Feb 14, 2023 Valuation Update With 7 Day Price Move • Jan 17
Investor sentiment improved over the past week After last week's 21% share price gain to ₹92.25, the stock trades at a trailing P/E ratio of 18.9x. Average trailing P/E is 28x in the Consumer Finance industry in India. Total loss to shareholders of 37% over the past three years. Reported Earnings • Nov 11
Second quarter 2023 earnings released: EPS: ₹1.24 (vs ₹0.54 in 2Q 2022) Second quarter 2023 results: EPS: ₹1.24 (up from ₹0.54 in 2Q 2022). Revenue: ₹168.9m (down 10% from 2Q 2022). Net income: ₹20.2m (up 132% from 2Q 2022). Profit margin: 12% (up from 4.6% in 2Q 2022). The increase in margin was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 66 percentage points per year, which is a significant difference in performance. Reported Earnings • Aug 10
First quarter 2023 earnings released: EPS: ₹1.20 (vs ₹8.51 loss in 1Q 2022) First quarter 2023 results: EPS: ₹1.20 (up from ₹8.51 loss in 1Q 2022). Revenue: ₹177.4m (up 21% from 1Q 2022). Net income: ₹19.5m (up ₹157.5m from 1Q 2022). Profit margin: 11% (up from net loss in 1Q 2022). The move to profitability was primarily driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 81 percentage points per year, which is a significant difference in performance. Reported Earnings • May 30
Full year 2022 earnings released: ₹6.38 loss per share (vs ₹14.57 loss in FY 2021) Full year 2022 results: ₹6.38 loss per share (up from ₹14.57 loss in FY 2021). Net loss: ₹103.5m (loss narrowed 56% from FY 2021). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 66 percentage points per year, which is a significant difference in performance. Reported Earnings • Feb 13
Third quarter 2022 earnings: Revenues and EPS in line with analyst expectations Third quarter 2022 results: EPS: ₹0.59 (up from ₹0.26 loss in 3Q 2021). Revenue: ₹220.9m (down 3.9% from 3Q 2021). Net income: ₹9.58m (up ₹13.7m from 3Q 2021). Profit margin: 4.3% (up from net loss in 3Q 2021). The move to profitability was driven by lower expenses. Revenue was in line with analyst estimates. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 65 percentage points per year, which is a significant difference in performance. Reported Earnings • Nov 18
Second quarter 2022 earnings released: EPS ₹0.54 (vs ₹0.54 in 2Q 2021) The company reported a mediocre second quarter result with weaker profit margins, although earnings were flat and revenues improved. Second quarter 2022 results: Revenue: ₹187.9m (up 1.5% from 2Q 2021). Net income: ₹8.70m (flat on 2Q 2021). Profit margin: 4.6% (down from 4.7% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 59% per year but the company’s share price has only fallen by 18% per year, which means it has not declined as severely as earnings. Reported Earnings • Aug 18
First quarter 2022 earnings released: ₹8.51 loss per share (vs ₹1.31 profit in 1Q 2021) The company reported a poor first quarter result with weaker earnings, revenues and control over costs. First quarter 2022 results: Revenue: ₹147.1m (down 25% from 1Q 2021). Net loss: ₹138.0m (down ₹159.3m from profit in 1Q 2021). Over the last 3 years on average, earnings per share has fallen by 51% per year but the company’s share price has only fallen by 39% per year, which means it has not declined as severely as earnings. Executive Departure • Jul 20
Chief Operating Officer Milind Deshmukh has left the company On the 10th of July, Milind Deshmukh's tenure as Chief Operating Officer ended after less than a year in the role. We don't have any record of a personal shareholding under Milind's name. A total of 3 executives have left over the last 12 months. The current median tenure of the management team is 2.21 years. Reported Earnings • Jul 02
Full year 2021 earnings released: ₹14.57 loss per share (vs ₹2.64 profit in FY 2020) The company reported a poor full year result with weaker earnings, revenues and control over costs. Full year 2021 results: Revenue: ₹814.7m (down 18% from FY 2020). Net loss: ₹236.2m (down ₹279.0m from profit in FY 2020). Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has fallen by 34% per year, which means it is performing significantly worse than earnings. Is New 90 Day High Low • Mar 09
New 90-day high: ₹120 The company is up 9.0% from its price of ₹110 on 09 December 2020. The Indian market is up 15% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 15% over the same period. Reported Earnings • Feb 10
Third quarter 2021 earnings released: ₹0.26 loss per share (vs ₹5.07 profit in 3Q 2020) The company reported a poor third quarter result with weaker earnings, revenues and control over costs. Third quarter 2021 results: Revenue: ₹229.9m (down 18% from 3Q 2020). Net loss: ₹4.15m (down 105% from profit in 3Q 2020). Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 43% per year, which means it is significantly lagging earnings. Executive Departure • Feb 10
Non-Executive Independent Director has left the company On the 8th of February, Vijay Dhawan's tenure as Non-Executive Independent Director ended after 7.9 years in the role. We don't have any record of a personal shareholding under Vijay's name. A total of 2 executives have left over the last 12 months. Executive Departure • Feb 10
Independent Director has left the company On the 8th of February, Abhinav Sharma's tenure as Independent Director ended after 1.2 years in the role. We don't have any record of a personal shareholding under Abhinav's name. A total of 2 executives have left over the last 12 months. Valuation Update With 7 Day Price Move • Dec 29
Investor sentiment improved over the past week After last week's 16% share price gain to ₹103, the stock is trading at a trailing P/E ratio of 33.7x, up from the previous P/E ratio of 29.2x. This compares to an average P/E of 12x in the Consumer Finance industry in India. Total return to shareholders over the past three years is a loss of 80%. Valuation Update With 7 Day Price Move • Dec 04
Market bids up stock over the past week After last week's 25% share price gain to ₹85.20, the stock is trading at a trailing P/E ratio of 23.2x, up from the previous P/E ratio of 18.5x. This compares to an average P/E of 12x in the Consumer Finance industry in India. Total return to shareholders over the past three years is a loss of 84%. Is New 90 Day High Low • Nov 19
New 90-day high: ₹73.60 The company is up 7.0% from its price of ₹68.70 on 21 August 2020. The Indian market is up 11% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 23% over the same period. Valuation Update With 7 Day Price Move • Nov 18
Market bids up stock over the past week After last week's 16% share price gain to ₹66.95, the stock is trading at a trailing P/E ratio of 24.2x, up from the previous P/E ratio of 20.9x. This compares to an average P/E of 12x in the Consumer Finance industry in India. Total return to shareholders over the past three years is a loss of 87%. Reported Earnings • Nov 11
Second quarter 2021 earnings released: EPS ₹0.54 The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: ₹270.2m (down 48% from 2Q 2020). Net income: ₹8.75m (down 94% from 2Q 2020). Profit margin: 3.2% (down from 27% in 2Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 52% per year, which means it is significantly lagging earnings. Is New 90 Day High Low • Oct 13
New 90-day low: ₹58.05 The company is down 25% from its price of ₹77.35 on 15 July 2020. The Indian market is up 11% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Consumer Finance industry, which is up 7.0% over the same period. 