Stock Price Movement and Market Context
On 28 Jan 2026, TruCap Finance Ltd’s share price fell to Rs.6.61, representing its lowest level in the past year and since listing. This decline comes after two consecutive days of losses, with the stock dropping a cumulative -5.44% over this period. The stock underperformed its sector by -3.27% today, while the broader Finance/NBFC sector gained 2.04%.
TruCap Finance is currently trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained downward momentum. In contrast, the Sensex opened flat but gained 0.23% to trade at 82,048.48 points, supported by mega-cap stocks leading the market. Several indices, including NIFTY CPSE and NIFTY METAL, hit new 52-week highs today, highlighting the divergence between TruCap Finance’s performance and broader market trends.
Financial Performance and Fundamental Concerns
TruCap Finance’s financial metrics reveal persistent challenges. The company has reported operating losses, contributing to a weak long-term fundamental strength assessment. Its operating profit has declined at an annualised rate of -253.00%, reflecting deteriorating profitability. Net sales have fallen sharply by -60.43%, with the latest quarterly net sales at a low Rs.22.81 crores.
The company has declared negative results for three consecutive quarters. The Profit Before Tax excluding other income (PBT LESS OI) for the latest quarter stood at a loss of Rs.47.40 crores, a staggering decline of -2518.37%. Similarly, the Profit After Tax (PAT) for the quarter was a loss of Rs.32.89 crores, down by -3356.4%. These figures underscore the scale of financial strain the company is experiencing.
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Valuation and Risk Profile
The stock’s Mojo Score currently stands at 1.0, with a Mojo Grade of Strong Sell, upgraded from Sell on 09 Sep 2025. This rating reflects the company’s weak fundamentals and elevated risk profile. Despite a Market Cap Grade of 4, indicating a mid-sized market capitalisation, the stock’s valuation appears risky compared to its historical averages.
Over the past year, TruCap Finance has generated a negative return of -43.13%, significantly underperforming the Sensex, which posted an 8.10% gain over the same period. The stock’s 52-week high was Rs.20.55, highlighting the extent of the decline to the current low of Rs.6.61. Profitability has also deteriorated sharply, with profits falling by -1111.7% over the last year.
Sector and Benchmark Comparison
TruCap Finance’s underperformance is consistent over multiple years. The stock has lagged behind the BSE500 benchmark in each of the last three annual periods, reflecting persistent challenges relative to its peers. While the Finance/NBFC sector has shown resilience and growth, TruCap Finance’s results and stock price trajectory have diverged markedly from sector trends.
The Sensex’s technical indicators show it trading below its 50-day moving average, though the 50DMA remains above the 200DMA, suggesting a cautiously positive medium-term outlook for the broader market. However, TruCap Finance’s position below all major moving averages indicates continued pressure on the stock.
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Summary of Key Metrics
To summarise, TruCap Finance Ltd’s stock has reached a critical low point at Rs.6.61, reflecting ongoing financial difficulties and market underperformance. The company’s operating losses, sharp declines in net sales, and negative quarterly profits have contributed to a Strong Sell rating by MarketsMOJO. The stock’s consistent underperformance against benchmarks and sector peers over the past three years further emphasises the challenges faced.
While the broader market and NBFC sector have shown positive momentum, TruCap Finance remains under pressure, trading below all major moving averages and continuing a downward trend. Investors and analysts will be closely monitoring the company’s financial disclosures and market developments in the coming quarters.
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