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TruCap Finance

TRU NSE
₹3.97 +0.04 (+1.02%)
P/E
Not meaningful: loss-making over the last twelve months
View as Markdown
MCP
Close 4 Nov 2026 ₹3.97 −6.26 −61.2% 1Y
Start ₹10.23

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
6.20
EPS (TTM)
−₹8.65
Book Value
₹2.40
Market Cap
—
P/E (TTM)
Not meaningful: loss-making over the last twelve months
P/B
1.65
ROE
−98.10%
Dividend Yield
0.25%
52W High
₹10.99
52W Low
₹3.47
Day Range
₹3.75 – ₹4.50
Volume
1,45,345
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

TruCap Finance peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
TruCap Finance (this company)
₹3.97—₹46 Cr1.650.25%−98.10%—₹64 Cr−₹103 Cr
Median 8 companies₹730.8823.14₹1,22,695 Cr2.710.54%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

37 Weak

Data confidence 88/100

Category scores

Quality
31
Poor
Returns, margins, earnings quality 22% weight
Valuation
62
Good
Cheap vs sector & own history 24% weight
Growth
15
Poor
Sales & profit trajectory 9% weight
Financial Health
19
Poor
Solvency, leverage, coverage 9% weight
Momentum
11
Poor
Trend strength, vol-adjusted 12% weight
Ownership
41
Weak
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

4
  • Company has reduced debt.
  • Stock is trading at 1.00 times its book value
  • Debtor days have improved from 102 to 68.2 days.
  • Company's working capital requirements have reduced from 125 days to 98.6 days

Weaknesses

5
  • Company has low interest coverage ratio.
  • Promoter holding is low: 31.0%
  • Company has a low return on equity of -30.9% over last 3 years.
  • Company's cost of borrowing seems high
  • Promoter holding has decreased over last 3 years: -19.8%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1171
OscillatorsBearish270
Moving AveragesStrong Bearish901

Key readings

RSI (14)
44.27
Neutral
MACD (12,26,9)
−0.09
Bearish
SMA (50)
4.12
Bearish
SMA (200)
5.47
Bearish

As of

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+44.97%
5Y+27.86%
3Y−12.88%
1Y−58.16%
TTM−64.00%

Net profit

Net profit growth by window
10YTurned to loss
5YTurned to loss
3YTurned to loss
1YLoss widened by ₹43 Cr
TTMLoss widened by ₹26 Cr

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹1.00 Cr
Mar 2018₹12.00 Cr
Mar 2019₹19.00 Cr
Mar 2020₹19.00 Cr
Mar 2021₹24.00 Cr
Mar 2022₹70.00 Cr
Mar 2023₹124 Cr
Mar 2024₹161 Cr
Mar 2025₹196 Cr
Mar 2026₹82.00 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹0.00 Cr
Mar 2018₹4.00 Cr
Mar 2019₹2.00 Cr
Mar 2020₹4.00 Cr
Mar 2021₹1.00 Cr
Mar 2022₹7.00 Cr
Mar 2023₹6.00 Cr
Mar 2024₹12.00 Cr
Mar 2025−₹67.00 Cr
Mar 2026−₹110 Cr

Quarterly Results

₹ Cr
TRU quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
38
42
40
41
52
58
52
35
30
23
15
14
11
Expenses
17
20
22
24
22
26
25
92
36
48
52
20
20
Financing Profit
3
4
−3
−5
4
4
2
−77
−26
−45
−51
−26
−13
Fin. Margin %
9%
10%
−7%
−12%
7%
7%
4%
−219%
−86%
−199%
−339%
−181%
−118%
Other Income
0
0
9
12
0
1
1
1
12
2
1
1
1
Interest
17
18
21
23
26
27
25
21
20
20
14
21
5
Depreciation
2
2
3
2
2
2
2
8
2
2
2
2
1
PBT
2
3
4
4
2
3
1
−84
−16
−45
−52
−27
−14
Tax %
26%
44%
13%
−37%
32%
58%
−16%
−17%
−43%
−28%
−19%
−35%
−25%
Net Profit
1
2
3
6
1
1
1
−70
−9
−33
−42
−18
−10
EPS (₹)
0.11
0.13
0.26
0.5
0.12
0.1
0.11
−6.02
−0.75
−2.74
−3.55
−1.49
−0.87
Gross NPA %
—
1.16%
—
—
1.42%
2.59%
—
—
—
—
—
—
—
Net NPA %
—
0.67%
—
—
0.9%
1.87%
—
—
—
—
—
—
—

Profit & Loss

₹ Cr
TRU profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0
2
1
12
19
19
24
70
124
161
196
82
64
Expenses
0
2
1
5
12
12
17
31
60
83
165
151
140
Financing Profit
0
0
0
4
2
6
2
15
13
0
−67
−144
−136
Fin. Margin %
Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number.
7%
3%
38%
12%
31%
10%
21%
11%
0%
−34%
−174%
−214%
Other Income
0
0
0
0
0
0
0
0
0
21
3
−2
4
Interest
0
0
0
2
5
2
4
24
51
79
99
75
60
Depreciation
0
0
0
0
0
0
1
4
6
8
14
7
7
PBT
0
0
0
5
2
6
2
11
7
12
−79
−152
−139
Tax %
33%
31%
100%
11%
12%
27%
61%
31%
23%
4%
−15%
−28%
—
Net Profit
0
0
0
4
2
4
1
7
6
12
−67
−110
−103
EPS (₹)
0.01
0.02
0
1.05
0.32
0.61
0.09
0.83
0.48
1
−5.7
−9.29
−8.65
Div. Payout %
0%
0%
0%
19%
16%
3%
11%
1%
2%
1%
0%
0%
—

Balance Sheet

₹ Cr
TRU balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
6
8
8
8
14
14
15
18
23
23
23
24
Reserves
1
1
1
5
13
18
84
156
200
196
139
30
Borrowing
1
1
0
39
25
16
81
286
443
686
520
335
Other Liabilities
1
0
0
3
2
2
5
12
12
23
17
9
Total Liabilities
10
9
9
55
54
48
185
472
678
928
699
397
Fixed Assets
0
1
1
1
1
3
10
18
21
28
20
8
CWIP
0
0
0
0
1
0
1
11
12
6
0
0
Investments
0
1
2
1
0
1
18
51
81
60
42
37
Other Assets
10
7
7
53
52
43
155
392
564
834
636
352
Total Assets
10
9
9
55
54
48
185
472
678
928
699
397

Cash Flow

₹ Cr
TRU cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
6
−1
1
−41
2
13
−78
−181
−149
−212
208
127
Investing
0
−1
0
5
2
−4
−38
−76
−69
30
−25
52
Financing
−6
1
0
39
−3
−11
145
283
198
245
−246
−209
Net Cash Flow
0
−1
1
2
1
−2
30
26
−20
63
−63
−30
Free Cash Flow
6
−1
1
−41
1
12
−86
−202
−159
−222
208
127
CFO/OP
32,000
−567
3,025
−645
57
185
−1,134
−458
−224
−263
661
−186

Ratios

TRU financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0%
1%
0%
38%
11%
14%
1%
5%
3%
5%
−35%
−98%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view TruCap Finance insights

53 extracted metrics across FY15–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 40.03%
  • Promoters 30.73%
  • Others 23.28%
  • FIIs 4.98%
  • DIIs 0.98%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about TruCap Finance

What does TruCap Finance Ltd do?
Incorporated in 1994, TruCap Finance Ltd is in the business of Fund based activities and Advisory services
Where is TruCap Finance Ltd (TRU) listed?
TruCap Finance Ltd trades as TRU on the NSE and under code 540268 on the BSE.
Which sector does TruCap Finance Ltd belong to?
TruCap Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the 52-week high and low of TruCap Finance Ltd?
Over the last 52 weeks TruCap Finance Ltd has traded between ₹3.47 and ₹10.99 as of 4 Nov 2026.
Does TruCap Finance Ltd pay dividends?
TruCap Finance Ltd has a dividend yield of 0.25%.
What is the Return on Equity (ROE) of TruCap Finance Ltd?
TruCap Finance Ltd reported a return on equity of -98.10%. Its debt-to-equity ratio is 6.20.

Company Information

Incorporated in 1994, TruCap Finance Ltd is in the business of Fund based activities and Advisory services

Website trucapfinance.com
CEO Mr. Rohanjeet Singh Juneja
Employees 675
Listed 20 Jun 2023
Face Value ₹2

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