Financial Ratios TruCap Finance Limited

Stocks

540268

INE615R01029

Consumer Lending

Delayed Bombay S.E. Other stock markets 04:50:45 2026-06-15 am EDT			5-day change	1st Jan Change
5.710 ^INR	+0.18%		+3.07%	-25.36%

Jun. 03	DEE Development Engineers Limited announced that it expects to receive INR 3.000000192 billion in funding from a group of investors	CI
May. 26	TruCap Finance Interim CFO Resigns; Shares Fall 3%	MT

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Published financial data: TRUCAP FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	122M	454M	931M	1.17B	1.74B
Interest Expense, Total	42.31M	244M	508M	787M	987M
Net Interest Income	80.13M	210M	423M	379M	754M
Commission and Fees	173M	287M	291M	441M	224M
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	7.75M	10.98M	2.18M
Other Revenues, Total	5.35M	18.34M	7.5M	207M	28.3M
Revenues Before Provison For Loan Losses	258M	516M	730M	1.04B	1.01B
Provision For Loan Losses	4.37M	20.73M	-15.84M	30.99M	260M
Total Revenues	254M	495M	746M	1.01B	749M
Salaries And Other Employee Benefits	132M	185M	290M	429M	477M
Cost of Services Provided, Total	11.37M	30.44M	41.42M	77.36M	104M
Depreciation & Amortization - (IS) - (Collected)	12.71M	47.47M	77.11M	92.6M	91.58M
Provision for Bad Debts	-	-	-	10.07M	257M
Other Operating Expenses	70.56M	160M	313M	285M	345M
Total Operating Expenses	226M	423M	721M	894M	1.28B
Operating Income	27.82M	71.88M	24.66M	114M	-526M
Currency Exchange Gains (Loss)	-	-	-	-	-
Other Non Operating Income (Expenses)	-	-	-	-	-
EBT, Excl. Unusual Items	27.82M	71.88M	24.66M	114M	-526M
Gain (Loss) on Sale of Investments	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Asset Writedown	-	-	-	-	-185M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	27.82M	71.88M	24.66M	114M	-712M
Income Tax Expense	14.81M	32.04M	18.34M	4.6M	-119M
Earnings From Continuing Operations	13.01M	39.85M	6.31M	110M	-592M
Net Income to Company	13.01M	39.85M	6.31M	110M	-592M
Net Income - (IS)	13.01M	39.85M	6.31M	110M	-592M
Net Income to Common Incl Extra Items	13.01M	39.85M	6.31M	110M	-592M
Net Income to Common Excl. Extra Items	13.01M	39.85M	6.31M	110M	-592M
Per Share Items
Net EPS - Basic	0.18	0.52	0.07	0.94	-5.08
Basic EPS - Continuing Operations	0.18	0.52	0.07	0.94	-5.08
Basic Weighted Average Shares Outstanding	73.54M	77.31M	89.69M	117M	117M
Net EPS - Diluted	0.14	0.45	0.06	0.93	-5.08
Diluted EPS - Continuing Operations	0.14	0.45	0.06	0.93	-5.08
Diluted Weighted Average Shares Outstanding	96.92M	98.49M	111M	117M	117M
Normalized Basic EPS	0.24	0.58	0.17	0.61	-2.82
Normalized Diluted EPS	0.18	0.46	0.14	0.61	-2.82
Dividend Per Share	0.01	0.01	0.01	0.01	-
Payout Ratio	11.02	3.6	17.1	1.06	-0.2
Supplemental Items
Total Revenues (As Reported)	301M	760M	1.24B	1.83B	2B
Effective Tax Rate - (Ratio)	53.24	44.57	74.39	4.03	16.74
Current Domestic Taxes	-	28.52M	11.16M	38.1M	2.95M
Total Current Taxes	11.87M	28.52M	11.16M	38.1M	2.95M
Deferred Domestic Taxes	-	3.51M	7.18M	-33.5M	-122M
Total Deferred Taxes	2.94M	3.51M	7.18M	-33.5M	-122M
Normalized Net Income	17.39M	44.93M	15.41M	71.4M	-329M
Non-Cash Pension Expense	42K	101K	273K	-140K	-54K
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	16.87M	4.78M	9.48M	6.64M	497K
Stock-Based Comp., Other (Total)	-	-7.03M	-	-	-
Total Stock-Based Compensation	16.87M	-2.24M	9.48M	6.64M	497K

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	322M	586M	380M	1.01B	390M
Long-Term Investments - (FS Template)	-	8.57M	72.25M	134M	312M
Trading Asset Securities, Total	110M	250M	414M	147M	645K
Loans and Lease Receivables - (FS Template)	999M	2.88B	4.18B	5.93B	4.58B
Other Receivables	76.12M	165M	390M	744M	419M
Gross Property Plant And Equipment	112M	217M	298M	370M	371M
Accumulated Depreciation	-9.73M	-43.7M	-99.64M	-168M	-224M
Net Property Plant And Equipment	102M	173M	198M	202M	147M
Other Intangibles, Total	52.24M	295M	333M	334M	115M
Other Current Assets, Total	191M	350M	729M	640M	823M
Deferred Tax Assets Long-Term (Collected)	11.92M	8.39M	1.06M	39.71M	158M
Other Long-Term Assets, Total	-1K	-	16.07M	29.68M	51.14M
Total Assets	1.86B	4.72B	6.71B	9.21B	6.99B
Liabilities
Accounts Payable, Total	18.33M	37.62M	21.21M	31.89M	21.87M
Accrued Expenses, Total	15.52M	18M	50.98M	50.22M	32.48M
Short-Term Borrowings	28.73M	-	188M	129M	-
Current Portion of Long-Term Debt	-	-	37.41M	452M	232M
Current Portion of Leases	4.13M	15.03M	9.65M	3.65M	317K
Long-Term Debt	770M	2.85B	4.19B	6.28B	4.97B
Long-Term Leases	2.74M	2.72M	3.2M	423K	-
Current Income Taxes Payable	6.08M	3.69M	3.68M	-	-
Unearned Revenue, Current	7.49M	24.79M	34.07M	58.34M	79.92M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	11.36M	41.69M	15.17M	87.42M	30.36M
Pension & Other Post Retirement Benefits	1.68M	5.39M	1.31M	1.94M	1.51M
Other Non Current Liabilities	-	-	-	-	-
Total Liabilities	866M	3B	4.55B	7.09B	5.37B
Common Stock, Total	153M	178M	232M	234M	234M
Additional Paid In Capital	203M	450M	1.47B	1.48B	1.48B
Retained Earnings	101M	149M	154M	260M	-238M
Comprehensive Income and Other	543M	945M	303M	142M	143M
Total Common Equity	999M	1.72B	2.16B	2.12B	1.62B
Total Equity	999M	1.72B	2.16B	2.12B	1.62B
Total Liabilities And Equity	1.86B	4.72B	6.71B	9.21B	6.99B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	76.46M	88.84M	116M	117M	117M
ECS Total Common Shares Outstanding	76.46M	88.84M	116M	117M	117M
Book Value / Share	13.07	19.37	18.59	18.13	13.87
Tangible Book Value	947M	1.43B	1.83B	1.79B	1.51B
Tangible Book Value Per Share	12.38	16.05	15.73	15.27	12.89
Total Debt	805M	2.86B	4.43B	6.86B	5.2B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.68M	4.93M	6.87M	11.84M	18.35M
Net Debt	373M	2.03B	3.63B	5.7B	4.81B
Full Time Employees	97	270	474	772	675

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	13.01M	39.85M	6.31M	110M	-592M
Depreciation, Depletion & Amortization	7.37M	33.97M	55.94M	68.62M	57.53M
Total Depreciation, Depletion & Amortization	7.37M	33.97M	55.94M	68.62M	57.53M
Amortization of Deferred Charges, Total	5.33M	13.5M	21.17M	23.98M	34.05M
(Gain) Loss On Sale of Asset - (CF)	-	-1K	-	-	-143K
(Gain) Loss on Sale of Investments - (CF)	3.52M	3.58M	-8.78M	-11.45M	-2.18M
Total Asset Writedown	-	-	-	-	185M
Provision for Credit Losses	-	-	-15.84M	41.06M	517M
Stock-Based Compensation (CF)	16.87M	-2.24M	9.48M	6.64M	497K
Change In Inventories	-	-	-	-	-
Change in Accounts Payable	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-771M	-1.66B	-1.01B	-2.14B	2.09B
Other Operating Activities	-79.18M	-271M	-572M	-216M	-176M
Cash from Operations	-804M	-1.85B	-1.51B	-2.12B	2.12B
Capital Expenditure	-130M	-361M	-140M	-97.76M	-1.99M
Sale of Property, Plant, and Equipment	11.21M	8K	-	8K	7K
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-229M	-379M	-530M	384M	-317M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	3.43M	9.96M	11.91M	18.6M	40.1M
Cash from Investing	-344M	-731M	-658M	304M	-279M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	1.39B	3.35B	3.42B	5.52B	3.38B
Total Debt Issued	1.39B	3.35B	3.42B	5.52B	3.38B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-155M	-531M	-1.81B	-3.2B	-5.94B
Total Debt Repaid	-155M	-531M	-1.81B	-3.2B	-5.94B
Issuance of Common Stock	217M	19.27M	357M	127M	100M
Common Dividends Paid	-1.43M	-1.43M	-1.08M	-1.16M	-1.17M
Common & Preferred Stock Dividends Paid	-1.43M	-1.43M	-1.08M	-1.16M	-1.17M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	1.45B	2.84B	1.97B	2.45B	-2.46B
Foreign Exchange Rate Adjustments	-	-	-	-	-
Miscellaneous Cash Flow Adjustments	-2K	-	-	-	-
Net Change in Cash	305M	263M	-205M	633M	-623M
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	25.35M	38.15M	59.5M	58.18M	-54.81M
Net Debt Issued / Repaid	1.24B	2.82B	1.61B	2.32B	-2.56B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.11	1.21	0.11	1.38	-7.31
Return On Equity %	1.99	2.93	0.33	5.12	-31.68
Return on Common Equity	1.99	2.93	0.33	5.12	-31.68
Margin Analysis
Gross Profit Margin %	98.74	98.49	97.7	97.35	95.91
SG&A Margin	55	42.1	42.09	47.54	73.53
Income From Continuing Operations Margin %	5.12	8.05	0.85	10.88	-79.13
Net Income Margin %	5.12	8.05	0.85	10.88	-79.13
Net Avail. For Common Margin %	5.12	8.05	0.85	10.88	-79.13
Normalized Net Income Margin	6.85	9.08	2.07	7.08	-43.93
Asset Turnover
Asset Turnover	0.22	0.15	0.13	0.13	0.09
Short Term Liquidity
Current Ratio	18.54	30.05	16.9	10.43	15.64
Quick Ratio	16.45	27.56	14.88	9.64	13.57
Operating Cash Flow to Current Liabilities	-8.77	-13.12	-4.2	-2.61	5.33
Long Term Solvency
Total Debt/Equity	80.6	166.48	204.78	323.78	321.01
Total Debt / Total Capital	44.63	62.47	67.19	76.4	76.25
LT Debt/Equity	77.31	165.61	193.89	296.2	306.68
Long-Term Debt / Total Capital	42.81	62.15	63.62	69.9	72.84
Total Liabilities / Total Assets	46.42	63.52	67.81	76.99	76.81
Tier 1 Capital Ratio %	65.48	28.34	34.38	24.47	23.62
Total Capital Ratio %	-	-	-	-	-
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	48.66	94.89	50.63	31.99	-25.72
Gross Profit, 1 Yr. Growth %	47.23	94.4	49.42	31.44	-26.81
Earnings From Cont. Operations, 1 Yr. Growth %	-67.96	206.29	-84.15	1.64K	-640.45
Net Income, 1 Yr. Growth %	-67.96	206.29	-84.15	1.64K	-640.45
Normalized Net Income, 1 Yr. Growth %	-49.38	158.37	-65.7	363.3	-560.75
Diluted EPS Before Extra, 1 Yr. Growth %	-75.62	221.43	-86.67	1.52K	-646.55
Common Equity, 1 Yr. Growth %	220.72	72.23	25.58	-1.93	-23.49
Total Assets, 1 Yr. Growth %	284.69	152.92	42.31	37.21	-24.08
Tangible Book Value, 1 Yr. Growth %	219.8	50.54	28.24	-2.36	-15.6
Cash From Operations, 1 Yr. Growth %	-711.37	129.8	-18.03	40	-199.84
Capital Expenditures, 1 Yr. Growth %	706.33	178.04	-61.3	-30.12	-97.97
Dividend Per Share, 1 Yr. Growth %	-50	0	0	0	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	50.98	70.21	71.34	42.71	-0.98
Gross Profit, 2 Yr. CAGR %	50.09	69.18	70.43	41.88	-1.92
Earnings From Cont. Operations, 2 Yr. CAGR %	-21.93	-0.94	-30.34	65.87	868.71
Net Income, 2 Yr. CAGR %	-21.93	-0.94	-30.34	65.87	868.71
Normalized Net Income, 2 Yr. CAGR %	7.07	14.36	-5.86	26.06	362.03
Diluted EPS Before Extra, 2 Yr. CAGR %	-36.29	-10.83	-34.54	43.76	840.47
Common Equity, 2 Yr. CAGR %	93.64	135.02	47.06	10.97	-13.38
Total Assets, 2 Yr. CAGR %	86.21	211.92	89.72	39.74	2.06
Tangible Book Value, 2 Yr. CAGR %	92.6	119.42	38.95	11.9	-9.22
Cash From Operations, 2 Yr. CAGR %	539.5	274.82	37.25	7.12	18.23
Capital Expenditures, 2 Yr. CAGR %	239.48	373.49	3.73	-48	-88.08
Dividend Per Share, 2 Yr. CAGR %	-55.28	-29.29	0	0	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	40.63	64.39	63.42	58.33	14.8
Gross Profit, 3 Yr. CAGR %	40.18	63.61	62.32	57.58	13.79
Earnings From Cont. Operations, 3 Yr. CAGR %	-31.7	23.14	-46.23	103.49	145.9
Net Income, 3 Yr. CAGR %	-31.7	23.14	-46.23	103.49	145.9
Normalized Net Income, 3 Yr. CAGR %	-14.44	43.61	-23.45	60.13	94.18
Diluted EPS Before Extra, 3 Yr. CAGR %	-49.19	9.79	-52.67	87.98	124.37
Common Equity, 3 Yr. CAGR %	98.9	86.22	90.71	28.48	-1.96
Total Assets, 3 Yr. CAGR %	50.34	106.22	140.13	70.3	14.02
Tangible Book Value, 3 Yr. CAGR %	97.35	77.41	83.45	23.53	1.86
Cash From Operations, 3 Yr. CAGR %	24.78	354.65	125.82	38.16	4.64
Capital Expenditures, 3 Yr. CAGR %	389.16	217.63	105.49	-9.07	-82.35
Dividend Per Share, 3 Yr. CAGR %	-63.16	-41.52	-20.63	0	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	69.39	108.96	52.19	55.35	34.39
Gross Profit, 5 Yr. CAGR %	123.13	194.24	51.58	54.54	33.35
Earnings From Cont. Operations, 5 Yr. CAGR %	74.04	253.39	-31.16	38.72	70.93
Net Income, 5 Yr. CAGR %	74.04	253.39	-31.16	38.72	70.93
Normalized Net Income, 5 Yr. CAGR %	86.96	203.6	-11.11	36.31	57.12
Diluted EPS Before Extra, 5 Yr. CAGR %	45.71	199.61	-43.61	22.29	55.12
Common Equity, 5 Yr. CAGR %	63.28	82.01	76.27	51.39	39.08
Total Assets, 5 Yr. CAGR %	82.31	119.95	65	76.49	70.54
Tangible Book Value, 5 Yr. CAGR %	61.54	75.28	71.51	47.55	38.46
Cash From Operations, 5 Yr. CAGR %	156.97	174.69	29.62	155.01	74.32
Capital Expenditures, 5 Yr. CAGR %	87.59	323.77	163.05	54.01	-34.21
Dividend Per Share, 5 Yr. CAGR %	-	-	-45.07	-27.52	-