Current Rating Overview
MarketsMOJO’s Strong Sell rating for Haryana Capfin Ltd indicates a cautious stance for investors, suggesting that the stock is expected to underperform relative to the broader market and its peers. This rating is derived from a comprehensive assessment of four key parameters: Quality, Valuation, Financial Trend, and Technicals. The company’s Mojo Score currently stands at 23.0, reflecting a significant decline from its previous score of 34. The downgrade to Strong Sell was implemented on 15 Dec 2025, signalling increased concerns about the stock’s prospects.
Here’s How Haryana Capfin Ltd Looks Today
As of 27 December 2025, Haryana Capfin Ltd remains a microcap player within the Non-Banking Financial Company (NBFC) sector. The company’s financial and market performance continues to show signs of weakness, which underpins the Strong Sell rating.
Quality Assessment
The company’s quality grade is assessed as below average. This is primarily due to its weak long-term fundamental strength, with an average Return on Equity (ROE) of just 1.21%. Such a low ROE indicates limited profitability relative to shareholder equity, which is a critical metric for evaluating management effectiveness and business sustainability. Additionally, the company reported flat financial results in the September 2025 quarter, with operating cash flow for the year hitting a low of Rs -2.18 crores. This negative cash flow position raises concerns about the company’s operational efficiency and its ability to generate cash internally.
Valuation Perspective
Despite the weak fundamentals, Haryana Capfin Ltd’s valuation grade is considered attractive. This suggests that the stock is trading at a relatively low price compared to its earnings, book value, or other valuation metrics. For value-oriented investors, this could imply a potential bargain; however, the attractive valuation is tempered by the company’s poor quality and financial trends, which may limit upside potential.
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- - Fundamental Analysis
- - Technical Signals
- - Peer Comparison
Financial Trend
The financial grade for Haryana Capfin Ltd is flat, indicating stagnation in key financial metrics. The company’s recent quarterly results have not shown meaningful improvement, and cash flow remains a concern. This flat trend suggests that the company is struggling to generate growth or improve profitability, which is a negative signal for investors seeking capital appreciation or dividend growth.
Technical Outlook
Technically, the stock is graded as bearish. This is supported by its recent price performance, which has been disappointing. As of 27 December 2025, the stock’s returns over various time frames highlight significant underperformance: a 1-year return of -47.46% and a year-to-date loss of -43.39%. In contrast, the broader BSE500 index has delivered a positive return of 5.76% over the same 1-year period. The bearish technical grade reflects negative momentum and weak investor sentiment, which may continue to pressure the stock price in the near term.
Stock Performance Summary
Examining the stock’s recent price movements, Haryana Capfin Ltd has shown marginal fluctuations in the short term, with a 1-day change of -0.03% and a 1-week gain of 1.58%. However, these minor gains are overshadowed by steep declines over longer periods, including a 3-month loss of 14.83% and a 6-month decline of 19.07%. Such sustained negative returns highlight the challenges the company faces in regaining investor confidence and market traction.
Implications for Investors
For investors, the Strong Sell rating signals caution. The combination of below-average quality, flat financial trends, bearish technicals, and only attractive valuation suggests that the stock carries considerable risk. While the low valuation might attract value investors, the underlying operational and financial weaknesses imply that the stock may continue to underperform or remain stagnant in the foreseeable future. Investors should carefully weigh these factors against their risk tolerance and investment horizon before considering exposure to Haryana Capfin Ltd.
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Sector and Market Context
Haryana Capfin Ltd operates within the NBFC sector, which has faced heightened scrutiny and volatility in recent years due to regulatory changes and credit market challenges. The company’s microcap status further adds to its risk profile, as smaller companies often experience greater price volatility and liquidity constraints. Compared to larger NBFC peers, Haryana Capfin’s weak fundamentals and poor returns place it at a disadvantage, reinforcing the rationale behind the Strong Sell rating.
Conclusion
In summary, Haryana Capfin Ltd’s current Strong Sell rating by MarketsMOJO reflects a comprehensive evaluation of its weak quality metrics, flat financial trends, bearish technical signals, and attractive yet insufficient valuation. The rating, last updated on 15 Dec 2025, is supported by the company’s ongoing underperformance and operational challenges as of 27 December 2025. Investors should approach this stock with caution, recognising the risks inherent in its current profile and the likelihood of continued underperformance relative to the broader market.
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