BSE:538476

Stock Analysis Report

Executive Summary

Capital Trade Links Limited, a non-deposit accepting non-banking finance company, engages in the business of advancing loans and financing in India.

Snowflake

Fundamentals

Acceptable track record with imperfect balance sheet.

Risks

  • Capital Trade Links is not covered by any analysts.

Share Price & News

How has Capital Trade Links's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-2.9%

BSE:538476

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-10.3%

BSE:538476

-3.2%

IN Consumer Finance

-14.7%

IN Market

538476 underperformed the Consumer Finance industry which returned -3.1% over the past year.

538476 outperformed the Market in India which returned -14.6% over the past year.


Share holder returns

538476IndustryMarket
7 Day-2.9%-3.6%-2.1%
30 Day-7.4%1.9%-3.9%
90 Day-15.0%-10.2%-10.1%
1 Year-7.8%-10.3%-2.5%-3.2%-12.9%-14.7%
3 Year-95.5%-95.7%59.3%56.0%17.7%11.5%
5 Year-96.8%-96.9%233.9%218.2%35.4%22.5%

Price Volatility Vs. Market

How volatile is Capital Trade Links's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Capital Trade Links undervalued based on future cash flows and its price relative to the stock market?

13.09x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Capital Trade Links to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Capital Trade Links to establish if it is available at substantial discount.


Price Based on Earnings

Capital Trade Links is good value based on earnings compared to the IN Consumer Finance industry average.

Capital Trade Links is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Capital Trade Links, we can't assess if its growth is good value.


Price Based on Value of Assets

Capital Trade Links is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Capital Trade Links expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Capital Trade Links is high growth as no revenue estimate data is available.

Capital Trade Links's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Capital Trade Links's revenue growth to the India market average as no estimate data is available.

Capital Trade Links's earnings are expected to decrease over the next 1-3 years, this is below the India market average.

Capital Trade Links's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Capital Trade Links will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Capital Trade Links performed over the past 5 years?

38.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Capital Trade Links has delivered over 20% year on year earnings growth in the past 5 years.

Capital Trade Links's 1-year earnings growth is less than its 5-year average (36.2% vs 38%)

Capital Trade Links's earnings growth has exceeded the IN Consumer Finance industry average in the past year (36.2% vs 15%).


Return on Equity

Capital Trade Links has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Capital Trade Links used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Capital Trade Links improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Capital Trade Links's financial position?


Financial Position Analysis

Capital Trade Links is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Capital Trade Links's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Capital Trade Links's level of debt (45.4%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (29.2% vs 45.4% today).

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on Capital Trade Links's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 3.3x debt.


Next Steps

Dividend

What is Capital Trade Links's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Capital Trade Links's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Capital Trade Links's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Capital Trade Links has not reported any payouts.

Unable to verify if Capital Trade Links's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Capital Trade Links has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Capital Trade Links's salary, the management and board of directors tenure and is there insider trading?

1.3yrs

Average management tenure


CEO

Vinay Chawla (39yo)

0.0yrs

Tenure

₹3,000,000

Compensation

Mr. Vinay Kumar Chawla serves as the Whole Time Director of Capital Trade Links Limited since May 29, 2017. 


CEO Compensation Analysis

Vinay's remuneration is higher than average for companies of similar size in India.

Insufficient data for Vinay to compare compensation growth.


Management Age and Tenure

1.3yrs

Average Tenure

The average tenure for the Capital Trade Links management team is less than 2 years, this suggests a new team.


Board Age and Tenure

2.5yrs

Average Tenure

39yo

Average Age

The average tenure for the Capital Trade Links board of directors is less than 3 years, this suggests a new board.


Insider Trading

More shares have been bought than sold by Capital Trade Links individual insiders in the past 3 months.


Recent Insider Transactions

Buy₹154,94322 Aug 19
Sygnific Rd Solutions Private Limited
EntityCompany
Shares44,870
Max Price₹3.45
Buy₹890,66119 Aug 19
Sygnific Rd Solutions Private Limited
EntityCompany
Shares255,786
Max Price₹3.53
Buy₹170,47010 Aug 19
- Hemlata
EntityIndividual
Shares50,000
Max Price₹3.41
Buy₹507,90710 Aug 19
Krishan Kumar
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares148,230
Max Price₹3.43
Buy₹398,07903 Aug 19
Krishan Kumar
EntityIndividual
Role
Member of the Board of Directors
Non-Executive Director
Shares116,053
Max Price₹3.43
Buy₹241,20009 Apr 19
Archana Wadhwa
EntityIndividual
Shares60,000
Max Price₹4.02
Buy₹120,60009 Apr 19
Vinay Chawla
EntityIndividual
Role
Chief Executive Officer
Whole Time Director
Shares30,000
Max Price₹4.02
Buy₹59,32401 Jan 19
Sygnific Rd Solutions Private Limited
EntityCompany
Shares19,076
Max Price₹3.11
Buy₹2,61001 Jan 19
Vinay Chawla
EntityIndividual
Role
Chief Executive Officer
Whole Time Director
Shares876
Max Price₹2.98
Buy₹113,74602 Dec 18
Vkc Corporate Solutions Pvt Ltd
EntityCompany
Shares38,982
Max Price₹2.97
Buy₹268,69003 Nov 18
Vkc Corporate Solutions Pvt Ltd
EntityCompany
Shares88,914
Max Price₹3.02
Buy₹325,87503 Nov 18
Sygnific Rd Solutions Private Limited
EntityCompany
Shares108,135
Max Price₹3.01
Buy₹10,30203 Nov 18
Archana Wadhwa
EntityIndividual
Shares3,400
Max Price₹3.03
Buy₹723,13916 Oct 18
Sygnific Rd Solutions Private Limited
EntityCompany
Shares232,984
Max Price₹3.10
Buy₹174,36408 Oct 18
Sygnific Rd Solutions Private Limited
EntityCompany
Shares54,659
Max Price₹3.19
Buy₹200,73317 Sep 18
Sygnific Rd Solutions Private Limited
EntityCompany
Shares52,838
Max Price₹3.80
Buy₹77,32510 Sep 18
Sygnific Rd Solutions Private Limited
EntityCompany
Shares20,000
Max Price₹3.87
Buy₹400,40004 Sep 18
Archana Wadhwa
EntityIndividual
Shares110,000
Max Price₹3.64
Buy₹404,04004 Sep 18
Vinay Chawla
EntityIndividual
Role
Chief Executive Officer
Whole Time Director
Shares111,000
Max Price₹3.64

Ownership Breakdown


Management Team

  • Yashwant Saini

    General Manager of Operations

    • Tenure: 1.3yrs
    • Compensation: ₹432.00k
  • Vinay Chawla (39yo)

    Whole Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹3.00m
  • Santosh Gupta

    Chief Financial Officer

    • Tenure: 1.3yrs
  • Vanshita Sharma

    Company Secretary & Compliance Officer

    • Tenure: 0.3yrs

Board Members

  • Amar Nath

    Independent Director

    • Tenure: 6.0yrs
    • Compensation: ₹15.00k
  • Krishan Kumar (50yo)

    Non-Executive Director

    • Tenure: 0.7yrs
    • Compensation: ₹15.00k
  • Neeraj Bajaj

    Non-Executive Independent Director

    • Tenure: 4.5yrs
    • Compensation: ₹15.00k
  • Vinay Chawla (39yo)

    Whole Time Director

    • Tenure: 0.0yrs
    • Compensation: ₹3.00m
  • Jagrati Sethi

    Independent Director

    • Tenure: 2.7yrs
    • Compensation: ₹15.00k
  • Abhay Kumar (31yo)

    Independent Director

    • Tenure: 1.5yrs

Company Information

Capital Trade Links Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Capital Trade Links Limited
  • Ticker: 538476
  • Exchange: BSE
  • Founded: 1984
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹173.332m
  • Shares outstanding: 50.98m
  • Website: https://www.capitaltrade.in

Location

  • Capital Trade Links Limited
  • 3/1/4, Site - IV
  • Sahibabad Industrial Area
  • Ghaziabad
  • Uttar Pradesh
  • 201010
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
538476BSE (Mumbai Stock Exchange)YesEquity SharesININRJun 2014

Biography

Capital Trade Links Limited, a non-deposit accepting non-banking finance company, engages in the business of advancing loans and financing in India. The company offers personal, secured, and business loans ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 12:52
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.