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Earnings Call

Capital Trust Earnings Call: Key Takeaways

Capital Trust transitioned to a secured gold loan and partner-led MSME model in FY26. Q4 saw return to operational profitability with PBT of ₹0.13 Cr and GNPA reduction to 2.8%.

Why this was an Alfa AlertNot a filter event. Performance recovered from losses but did not materially exceed explicit prior guidance ranges.
Highlights
Revenue growthFY26 Income ₹42.4 Cr vs FY25 ₹96.0 Cr (down 56%).
MarginsCost of borrowing improved slightly to 16.0%.
Demand visibilityTargeting vast ₹20 lakh Cr gold loan market.
Management confidenceHigh: claim transformation complete and profitability restored in Q4.

Growth

Q4 disbursements reached ₹89.4 Cr, up 4.5x QoQ. AUM grew 52% QoQ to ₹158 Cr.

Outlook

Entering FY27 with clean balance sheet; focusing on 'Growth Capital' and scaling secured gold loan vertical.

Risks

Historical unsecured MSME stress; legacy portfolio clean-up resulted in FY26 PBT loss of ₹36.4 Cr.

Source

Earnings Call filed with BSE, NSE: CAPTRUST. Summary written with AI assistance from the document.

Read the document ↗

Capital Trust Ltd: key numbers

Share price
₹22.02
Market cap
₹74.91 Cr
Revenue (annual)
₹41.55 Cr
Net profit (annual)
₹-46.82 Cr
P/E (TTM)
-2.0×Sector 21.8×
Promoter holding
54.13%+0.00% QoQ
FII holding
8.30%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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