What is Capital India Finance Limited's (CIFL.NS) StockRank?

MoatMap's StockRank for Capital India Finance Limited (CIFL.NS) is 4/100, with a Strong Sell signal. This is a composite score combining Quality (33), Value (27), and Momentum (10) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Capital India Finance Limited have an economic moat?

Capital India Finance Limited (CIFL.NS) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Capital India Finance Limited a buy, hold, or sell?

MoatMap's current signal for Capital India Finance Limited (CIFL.NS) is Strong Sell, based on a StockRank of 4/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Capital India Finance Limited in?

Capital India Finance Limited (CIFL.NS) operates in the Financial Services sector, specifically the Credit Services industry (India).

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CIFL.NS

Strong SellSinker

Capital India Finance Limited · Financial Services · India · $83M · Avg Vol: $28K/d

StockRank

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P/E (TTM)

20.1x

ROE

5.8%

D/E

1.5x

Dividend %

0.1%

COMPANY DESCRIPTION

Capital India Finance Limited, a non-banking finance company, engages in the lending and forex businesses in India. The company provides small business finance, which includes secured loans, and equipment and supply chain finance products; and retail finance comprising loans against property.

FINANCIAL SUMMARY (INR)

Year	2023	2024	2025	2026	CAGR	TTM
Revenue	6.3B	6.5B	5.2B	5.0B	-7.4%	5.3B
EPS (INR)	-1.07	0.30	0.04	1.00	82.6%	1.00
Shares	388.7M	388.7M	389.1M	391.1M	+0.6%	391.1M
Debt	9.2B	9.0B	10.0B	9.6B	1.3%	10.1B
Equity	6.1B	6.2B	6.3B	6.7B	3.6%	—
Op CF	-231.2M	1.2B	-933.1M	-2.5B	—	-2.6B
Inv CF	-161.1M	13.7M	-608.1M	984.7M	—	—
Fin CF	802.6M	-1.2B	790.9M	2.3B	—	—

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PRICE (1Y)-4.2%

SMA 50SMA 200

$0.2106

RSI (14)

34.7

52W High

$0.4154

From 52W High

0.5%

SCORE BREAKDOWN

Quality

ROIC

-4.5%5.3

ROE

5.8%29.3

GP/Assets

16.7%83.6

Op. Margin

13.3%30.1

FCF/Assets

-14.1%4.4

Piotroski

427.5

Int. Cover

7.7x45.8

D/E Ratio

1.46x22.2

Current Ratio

1.43x44.1

Value

P/E (TTM)

20.1x24.1

EV/EBITDA

68.1x4.3

P/FCF

—N/A

P/B

1.2x50.8

P/S

1.5x82.9

Div Yield

0.1%0.6

Momentum

52W High %

51%6.0

RS 6M

-24%9.6

SMA 50/200

0.77x3.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$83M

P/E (Forward)

—

Gross Margin

58.4%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CIFL.NS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CIFL.NS	Capital India Finance Limited(you)	$83M	4	Strong Sell
FEDDERSHOL.NS	Fedders Holding Limited	$102M	16	Strong Sell
FINKURVE.NS	Finkurve Financial Services Limited	$102M	19	Strong Sell
MANBA.NS	Manba Finance Limited	$69M	43	Hold
UGROCAP.NS	UGRO Capital Limited	$137M	40	Hold
VHL.NS	Vardhman Holdings Limited	$122M	42	Hold
SPANDANA.NS	Spandana Sphoorty Financial Limited	$224M	34	Sell
LAXMIINDIA.NS	Laxmi India Finance Limited	$72M	56	Hold
INDOSTAR.NS	IndoStar Capital Finance Limited	$429M	27	Sell
CSLFINANCE.NS	CSL Finance Limited	$57M	58	Hold

Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 70.0%

Capital India Finance Limited (CIFL.NS): Stock Score Summary

Capital India Finance Limited (CIFL.NS) has a MoatMap StockRank of 4/100 based on Quality (33/100), Value (27/100), and Momentum (10/100) factor scores. The current signal is STRONG SELL.

Key Financial Metrics

Price	$0.21
Market Cap	$83M
P/E (TTM)	20.12
Price/Book	1.17
Return on Equity	5.8%
Return on Invested Capital	-4.5%
Debt/Equity	1.46x
Gross Margin	58.4%
Operating Margin	13.3%
Revenue Growth	-8.9%
Dividend Yield	0.1%
Free Cash Flow	$-27M

Capital India Finance Limited operates in the Credit Services industry, part of the Financial Services sector (India).

Frequently Asked Questions

What is Capital India Finance Limited’s (CIFL.NS) StockRank?: MoatMap’s StockRank for Capital India Finance Limited (CIFL.NS) is 4/100, with a Strong Sell signal. It is a composite of Quality (33), Value (27), and Momentum (10) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Capital India Finance Limited have an economic moat?: Capital India Finance Limited (CIFL.NS) has a Quality factor score of 33/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Capital India Finance Limited a buy, hold, or sell?: MoatMap’s current signal for Capital India Finance Limited (CIFL.NS) is Strong Sell, based on a StockRank of 4/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Capital India Finance Limited in?: Capital India Finance Limited (CIFL.NS) operates in the Financial Services sector, specifically the Credit Services industry (India).