Capital India Finance (BOM:530879) LT-Debt-to-Total-Asset: 0.52 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:530879 Capital India Finance Ltd BOM:530879
58 GF Score
Price ₹20.30
GF Value ₹23.58
Valuation Modestly Undervalued
! 7 Warning Signs
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What is Capital India Finance LT-Debt-to-Total-Asset?

Capital India Finance BOM:530879 +1.25% 58 LT-Debt-to-Total-Asset is 0.52 as of Mar. 2026. GuruFocus rates BOM:530879 with a GF Score™ of 58/100 and a GF Value™ of ₹23.58 (Modestly Undervalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Capital India Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.52.

Capital India Finance's long-term debt to total assets ratio increased from Mar. 2025 (0.33) to Mar. 2026 (0.52). It may suggest that Capital India Finance is progressively becoming more dependent on debt to grow their business.

Capital India Finance  (BOM:530879) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Capital India Finance LT-Debt-to-Total-Asset Related Terms

Capital India Finance LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Capital India Finance's LT-Debt-to-Total-Asset 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.

Capital India Finance LT-Debt-to-Total-Asset Chart

Capital India Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.28 0.30 0.30 0.33 0.52

Capital India Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.33 0.00 0.44 0.00 0.52
BOM:530879
58GF Score
Capital India Finance Ltd BOM:530879
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Capital India Finance LT-Debt-to-Total-Asset Calculation

Capital India Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=9614.167/18456.11
=0.52

Capital India Finance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=9614.167/18456.11
=0.52

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.52 mean?
Capital India Finance (BOM:530879) has a LT-Debt-to-Total-Asset of 0.52 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Capital India Finance and its competitors.
Is Capital India Finance's LT-Debt-to-Total-Asset too high?
Capital India Finance's current LT-Debt-to-Total-Asset is 0.52. Overall, Capital India Finance has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Capital India Finance's LT-Debt-to-Total-Asset compare to V and MA?
Capital India Finance's LT-Debt-to-Total-Asset of 0.52 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Capital India Finance and its competitors. Capital India Finance's current LT-Debt-to-Total-Asset is 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital India Finance stock overvalued right now?
Based on GuruFocus' analysis, Capital India Finance (BOM:530879) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹23.58, compared to a current price of ₹20.30 — trading 13.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.52. Capital India Finance's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Capital India Finance (BOM:530879), the current LT-Debt-to-Total-Asset is 0.52 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 India Finance (BOM:530879) Overvalued in 2026?

Based on GuruFocus' analysis, Capital India Finance stock appears to be undervalued. The current stock price of ₹20.30 is trading 13.9% below its estimated GF Value™ of ₹23.58. GuruFocus considers Capital India Finance to be Modestly Undervalued.

Key valuation signals for BOM:530879:

  • LT-Debt-to-Total-Asset: 0.52
  • GF Value™: ₹23.58 vs. price of ₹20.30 (13.9% below fair value)
  • GF Score™: 58/100 with 7 warning signs

No single metric tells the full story. See the BOM:530879 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Capital India Finance Business Description

Other Exchanges CIFL:India
Address Dr. Annie Besant Road, Level - 20, Birla Aurora, Worli, Mumbai, MH, IND, 400030
Capital India Finance Ltd is a non-banking financial company. It operates through two segments: lending business and Forex services, including MTSS business. The lending services include providing loans to Micro, Small, and Medium enterprises and other customers across various industries. Revenue from the lending business includes interest income and fee income. Forex services comprise overseas remittances, foreign currency prepaid travel cards, Money Transfer Service Scheme (MTSS), and import and export foreign currency notes.
58GF Score

Get the complete analysis for BOM:530879

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹20.30
Price
₹23.58
GF Value