Capital Trade Links Ltd (CTL) fair value: what the stock is really worth
As of Oct 6, 2026: fair value of Capital Trade Links Ltd ₹3.39, price ₹26.35, upside -87.1%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Capital Trade Links Limited, a non-deposit accepting non-banking financial company, provides loans and financing services in India. The company offers personal, business mobile, commercial vehicle, e-vehicle, e-rickshaw, consumer and equipment, and secured and unsecured corporate loans; loans against properties and security; and business trading services.
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Capital Trade Links Limited, a non-deposit accepting non-banking financial company, provides loans and financing services in India. The company offers personal, business mobile, commercial vehicle, e-vehicle, e-rickshaw, consumer and equipment, and secured and unsecured corporate loans; loans against properties and security; and business trading services. It serves individuals, partnership firms, entrepreneurs, body corporate/business clients, and other legal entities. Capital Trade Links Limited was incorporated in 1984 and is headquartered in New Delhi, India.
Stock analysis
Capital Trade Links Ltd (CTL) currently trades at ₹26.35, while our model-based Fair Value estimate is ₹3.39, 87.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of ₹6.21 per share, and 0 of the 9 models we run sit above the ₹26.35 price.
Bear case: the Multiples group reads lowest at ₹2.48, and 9 of the 9 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Capital Trade Links Ltd reported revenue of ₹327M in FY2026 versus ₹97.0M in FY2022, a compound +35.5%/yr. Reported net income was ₹18.8M in FY2026, compounding −6.6%/yr from FY2022.
Key figures
Market cap ₹3.7B (≈ $38.4M) · P/E ratio 146.4 · P/S ratio 8.42 · EPS (TTM) ₹0.1800 · Net margin 5.8% · Return on equity 2.6% · Return on assets (EBIT) 3.8% · Operating margin 71.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 79% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −87%, CTL screens richer than that median.
Fair Value models
Bear ₹3.39Fair Value ₹3.39Bull ₹3.39
Price ₹26.35 · Upside -87.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.0932 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−6.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.3%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.44% → 11%
Compare Capital Trade Links Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 328 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score45 · Below median
Fair Value upside−87.1% · Bottom 25%
Profitability
Return on equity (TTM)2.6% · Below median
Return on assets0.9% · Below median
Net margin (TTM)12.3% · Below median
Operating margin (TTM)71.9% · Top 25%
Growth and dividend
Revenue growth10.8% · Above median
Balance sheet
Debt / equity1.78× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)146.4× · Priciest 25%
P/B5.04× · Priciest 25%
P/S (TTM)20.39× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 53
FUTURE (revenue growth)54· sector 50
PAST (return on equity)11· sector 32
HEALTH (low debt)11· sector 56
DIVIDEND (yield)0· sector 64
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Capital Trade Links Ltd (CTL) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹3.39 versus a price of ₹26.35, about −87% upside (overvalued).
What is the fair value of CTL?
Our model-based fair value for Capital Trade Links Ltd is ₹3.39 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹26.35.
What is the quality score of CTL?
Capital Trade Links Ltd has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Capital Trade Links Ltd (CTL)?
Our model-based price target is the fair value of ₹3.39 (as of Sep 27, 2026) from 9 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Capital Trade Links Ltd stock forecast for 2026?
Our models put fair value at ₹3.39, about −87% upside versus a price of ₹26.35 (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of Capital Trade Links Ltd (CTL)?
Capital Trade Links Ltd reported trailing-twelve-month revenue of about ₹181M (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Capital Trade Links Ltd (CTL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Capital Trade Links Ltd it is ₹3.39 per share (as of Sep 27, 2026), against a price of ₹26.35. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Capital Trade Links Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CTL trades above its calculated fair value: price ₹26.35, fair value ₹3.39, a gap of about −87% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CTL?
No. The price is what the market pays today (₹26.35); the fair value is what the company's own numbers justify (₹3.39). For Capital Trade Links Ltd the two are ₹22.96 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capital Trade Links Ltd worth?
The market values Capital Trade Links Ltd at about ₹3.7B (market capitalisation, as of Sep 27, 2026). Per share that is ₹26.35; our models calculate a fair value of ₹3.39 per share.
What is the P/E ratio of CTL?
Capital Trade Links Ltd trades at a price-to-earnings ratio of 146.4 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹3.39 is built from several models across several years. Other multiples: P/B 5.0, P/S 20.4.
How solid is the balance sheet of Capital Trade Links Ltd (CTL)?
Balance-sheet figures for Capital Trade Links Ltd (as of Sep 27, 2026): return on equity 2.6%, debt of 1.78 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is CTL from its 52-week high?
Capital Trade Links Ltd trades at ₹26.35, about 17% below its 52-week high of ₹31.89 and 79% above the low of ₹14.69 (as of Oct 6, 2026). Distance from the high says nothing about value: that is what the fair value of ₹3.39 is for.
Which stocks are comparable to Capital Trade Links Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Capital Trade Links Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price ₹26.35, calculated fair value ₹3.39 (−87%), Quality Score 45/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CTL calculated?
We run Capital Trade Links Ltd through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹3.39, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.0 % above its aggregate fair value. Capital Trade Links Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Capital Trade Links Ltd (CTL)?
The closing price on Oct 6, 2026 was ₹26.35. Our model-based fair value is ₹3.39, about −87% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capital Trade Links Ltd right now?
The price sits above even our optimistic bull case (₹3.39). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Capital Trade Links Ltd
How large is the market capitalisation of Capital Trade Links Ltd (CTL)?
The market capitalisation of Capital Trade Links Ltd is ₹3.7B (≈ $38.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Capital Trade Links Ltd (CTL)?
The price-to-sales ratio of Capital Trade Links Ltd is 8.42 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Capital Trade Links Ltd (CTL)?
Earnings per share at Capital Trade Links Ltd are ₹0.1800 (price ÷ EPS = P/E 146.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Capital Trade Links Ltd (CTL)?
The net margin of Capital Trade Links Ltd is 5.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Capital Trade Links Ltd (CTL)?
The return on equity (ROE) of Capital Trade Links Ltd is 2.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Capital Trade Links Ltd (CTL)?
On an EBIT basis the return on assets of Capital Trade Links Ltd is 3.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Capital Trade Links Ltd (CTL)?
The operating margin of Capital Trade Links Ltd is 71.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Capital Trade Links Ltd (CTL)?
Revenue at Capital Trade Links Ltd is growing +10.8% versus a year earlier (3y avg +25.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Capital Trade Links Ltd (CTL)?
Earnings per share at Capital Trade Links Ltd are growing +15.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Capital Trade Links Ltd (CTL) generate?
The free cash flow of Capital Trade Links Ltd is −₹47.1M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Capital Trade Links Ltd (CTL) carry?
The net debt of Capital Trade Links Ltd is ₹1.3B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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