TruCap Finance Limited (TRU) Fair Value & Analysis
Financial Services · IN · Market cap ₹499M
Strengths
Risks
Fair value as of: Aug 24, 2026
From 2 valuation models · updated today
Share price −14.3% over the past month.
Below-average quality, screening 68% undervalued on our models.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (₹4.35). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- A fairly wide model range (₹4.35 to ₹10.47) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 24, 2026.
How to read this chart
60‑month range ₹4.10 – ₹177.75 · fair‑value band ₹4.35 – ₹10.47 · the ₹4.20 price screens below the ₹7.07 fair value. Dashed = 300-day average. As of Aug 24, 2026.
Analysis
TruCap Finance Limited (TRU) currently trades at ₹4.20, while our model-based Fair Value estimate is ₹7.07, implying the stock looks roughly 68.4% undervalued today. The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Net debt stands at ₹3.2B. Fundamentals as of Aug 24, 2026
Our scenario range runs from ₹4.35 (bear case) to ₹10.47 (bull case); at ₹4.20, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 69% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 68%, TRU screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 2 models by family
Widest divergence: Growth DCF (₹142.81) versus Asset-Based (₹2.87). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 24, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 16
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
TruCap Finance Limited, a non-banking finance company, provides loans in India. The company operates through Fund Based Activities and Advisory Services segments. It offers micro enterprise loans, SME loans, other structured business, personal loans, and gold loans, as well as related ancillary services.
Full company description
TruCap Finance Limited, a non-banking finance company, provides loans in India. The company operates through Fund Based Activities and Advisory Services segments. It offers micro enterprise loans, SME loans, other structured business, personal loans, and gold loans, as well as related ancillary services. TruCap Finance Limited was formerly known as Dhanvarsha Finvest Limited and changed its name to TruCap Finance Limited in August 2022. The company was incorporated in 1994 and is based in Mumbai, India. TruCap Finance Limited is a subsidiary Wilson Holdings Private Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
TruCap Finance Limited reported revenue of ₹823M in FY2026 versus ₹731M in FY2022, a compound +3.0%/yr. Reported net income was −₹1.1B in FY2026.
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Peer Group
Credit Services · 336 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 24, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $573.72 | $221.87 | -61% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | -51% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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