AI Summary
✦ ClarthaCP Capital Limited is a non-banking financing company funding educational infrastructure. Its revenue comes from property-backed loans, NBFC portfolio-backed lending, and bridge and bullet loans. Udyam, MSME business loans, and loans-against-property transfers broaden its borrower base across individuals, entrepreneurs, and enterprises. No major recent development currently supports near-term growth or margin improvement. Profit growth of 11.7% contrasts with 2.1% revenue contraction and declining margins, indicating earnings gains without operating expansion. ROE is modest at 7.6%, while debt-to-equity of 13.48 materially increases leverage risk and can distort returns. At 5.0x earnings, the shares appear discounted against the company’s lending growth profile. However, subdued revenue, margin compression, and high leverage leave asset quality and sustainable profitability as open questions.
Valuation Metrics
Trading 42.5% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.98). Confidence: 50%.
Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.
5Y Average
0.44
Current
0.37
Overvalued
0.51
Undervalued
0.38
5Y Average
8.81
Current
4.96
Overvalued
16.27
Undervalued
5.09
5Y Average
4.90
Current
2.80
Overvalued
5.91
Undervalued
2.79
Peers & Comparison
Sector: Consumer Discretionary · Theme: Education Services
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
CAREER POINT EDUTECH LTD CPEDUEducation Services | — | 0.0% | 16.6x Undervalued | -60% vs avg | -9.9% |
CL EDUCATE LIMITED CLEDUCATEEducation Services | -9.3% | -4.4% | — | — | -41.0% |
MITCON CON & ENG SER LTD MITCONEducation Services | +18.6% | 6.4% | 14.9x Undervalued | -64% vs avg | +12.8% |
GLOBAL EDUCATION LIMITED GLOBALEducation Services | +46.5% | 28.3% | 19.5x Undervalued | -53% vs avg | +52.1% |
NIIT LIMITED NIITLTDEducation Services | +13.7% | 2.2% | 141.7x Premium | +241% vs avg | -15.9% |
G-TEC JAINX EDUCATION LTD GTECJAINXEducation Services | -9.7% | -11.2% | — | — | +26.2% |
PHYSICSWALLAH LIMITED PWLEducation Services | +50.7% | -0.6% | — | — | -15.2% |
CRIZAC LIMITED CRIZACEducation Services | -4.0% | 21.3% | 14.9x Undervalued | -64% vs avg | -37.5% |
Comparable-scale peer data is limited — showing nearest stored business/industry peers instead of an empty comparison.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹13 CrMar 2026Latest net profit
₹5.68 CrMar 2026Free cash flow
₹7.00 CrMar 2026Net Profit
₹5.68 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Mar 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 12.78 | 16.84 | 15.70 | 16.49 | 12.27 | 16.12 | 17.23 | 15.36 | 14.85 | 14.01 | 14.14 | 17.26 | 12.90 |
| Interest | 0.22 | 0.25 | 0.21 | 0.28 | 1.25 | 1.38 | 1.44 | 1.32 | 1.20 | 1.38 | 2.33 | 2.90 | 2.22 |
| Expenses + | 6.32 | 6.89 | 5.99 | 5.81 | 1.78 | 0.53 | 2.65 | 2.94 | 0.90 | 3.00 | 1.69 | 2.80 | 2.44 |
| Financing Profit | 6.24 | 9.70 | 9.50 | 10.40 | 9.24 | 14.21 | 13.14 | 11.10 | 12.75 | 9.63 | 10.12 | 11.56 | 8.24 |
| Financing Margin % | 48.83% | 57.60% | 60.51% | 63.07% | 75.31% | 88.15% | 76.26% | 72.27% | 85.86% | 68.74% | 71.57% | 66.98% | 63.88% |
| Other Income + | 1.28 | 0.89 | 4.14 | 0.38 | 4.88 | 1.90 | 2.20 | -0.38 | 0.01 | 1.28 | 1.30 | 0.01 | 0.45 |
| Depreciation | 0.75 | 0.72 | 0.72 | 0.73 | 0.54 | 0.54 | 0.54 | 0.54 | 0.51 | 0.50 | 0.51 | 0.51 | 0.50 |
| Profit before tax | 6.77 | 9.87 | 12.92 | 10.05 | 13.58 | 15.57 | 14.80 | 10.18 | 12.25 | 10.41 | 10.91 | 11.06 | 8.19 |
| Tax % | 18.17% | 28.57% | 12.00% | 29.85% | 8.62% | 27.17% | 24.39% | 8.55% | 27.92% | 24.30% | 24.84% | 11.03% | 30.65% |
| Net Profit + | 5.54 | 7.05 | 11.37 | 7.06 | 12.40 | 11.34 | 11.19 | 9.30 | 8.83 | 7.87 | 8.20 | 9.84 | 5.68 |
| EPS in Rs | 3.04 | 3.87 | 6.25 | 3.88 | 6.81 | 6.23 | 6.15 | 5.11 | 4.85 | 4.32 | 4.51 | 5.41 | 3.12 |
| Gross NPA % | |||||||||||||
| Net NPA % | |||||||||||||
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Board Meeting Intimation for To Consider And Approve The Unaudited Financial Results (Standalone And Consolidated) And To Fix Day, Date And Time Of 26Th AGM For The FY 31.03.2026 And Matters Connected Therewith.
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018