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Capital TrustNSE:CAPTRUST +4.95%56 Debt-to-Equity is 0.65 as of Mar. 2026, which is 61% below its 10-year median of 1.68. GuruFocus rates NSE:CAPTRUST with a GF Score™ of 56/100 and a GF Value™ of ₹24.31 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 455 Credit Services companies, Capital Trust ranks better than 64.84% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Capital Trust's Debt-to-Equity or its related term are showing as below:
NSE:CAPTRUST'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.65 Med: 1.68 Max: 3.75
Current: 0.65
During the past 13 years, the highest Debt-to-Equity Ratio of Capital Trust was 3.75. The lowest was 0.65. And the median was 1.68.
NSE:CAPTRUST's Debt-to-Equity is ranked better than 64.84% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs NSE:CAPTRUST: 0.65
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Capital Trust Debt-to-Equity Related Terms
Capital Trust Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Capital Trust's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:CAPTRUST vs V, MA, AXP: Debt-to-Equity Comparison
For the Credit Services subindustry, Capital Trust's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Capital Trust Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capital Trust's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Capital Trust's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Capital Trust (NSE:CAPTRUST) has a Debt-to-Equity of 0.65 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital Trust and its competitors. This is 61% below median its historical median of 1.68. Over the past decade, Capital Trust's Debt-to-Equity has ranged from 0.65 to 3.75. According to the industry distribution chart, Capital Trust ranks #160 out of 455 companies in the Credit Services industry, placing it in the top 35.2%.
Is Capital Trust's Debt-to-Equity too high?
Capital Trust's current Debt-to-Equity of 0.65 is 61% below median its 10-year median of 1.68. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 3.75. The Credit Services industry median Debt-to-Equity is 1.23. Capital Trust's value of 0.65 is 47.2% below this industry median. Based on the distribution chart, Capital Trust ranks #160 out of 455 companies in the Credit Services industry, which is above the industry midpoint. Overall, Capital Trust has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Capital Trust's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Capital Trust ranks #160 out of 455 companies for Debt-to-Equity. This puts Capital Trust in the upper half of its industry. The industry median Debt-to-Equity is 1.23. Capital Trust's value of 0.65 is 47.2% below this benchmark. Historically, Capital Trust's own Debt-to-Equity has ranged from 0.65 to 3.75 over the past decade. While the company's 10-year median is 1.68 vs. the industry median of 1.23, Capital Trust has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital Trust's current Debt-to-Equity of 0.65 is 47.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital Trust and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Trust's current Debt-to-Equity is 0.65, which is 61% below median its own 10-year median of 1.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Trust stock overvalued right now?
Based on GuruFocus' analysis, Capital Trust (NSE:CAPTRUST) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹24.31, compared to a current price of ₹19.07 — trading 21.6% below its estimated fair value. The current Debt-to-Equity is 0.65, which is 61% below median its 10-year median of 1.68 and 47.2% below the Credit Services industry median of 1.23. Capital Trust's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Capital Trust (NSE:CAPTRUST), the current Debt-to-Equity is 0.65 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Capital Trust (NSE:CAPTRUST) Overvalued in 2026?
Based on GuruFocus' analysis, Capital Trust stock appears to be undervalued.
The current stock price of ₹19.07 is trading 21.6% below its estimated GF Value™ of ₹24.31.
GuruFocus considers Capital Trust to be Modestly Undervalued.
Key valuation signals for NSE:CAPTRUST:
Debt-to-Equity: 0.65 (61% below median its 10-year median of 1.68)
GF Value™: ₹24.31 vs. price of ₹19.07 (21.6% below fair value)
Industry Position: 47.2% below the Credit Services median (#160 of 455)
No single metric tells the full story. See the NSE:CAPTRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital Trust Ltd is a non-banking financial company that finances shopkeepers and traders in semi-urban and rural India. It is engaged in the business of providing loans to Small and Micro Enterprises. Its products are Capital Business Loan and Capital Gold Loan. The company has only one segment of business financing.
56GF Score
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