CENTRUM

Centrum Capital Limited

Financial services group with banking, wealth management and private credit

Financial Services›Financial Services›Finance›Other Financial Services

centrum.co.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹19.38
Market cap
966 Cr
Stock P/E
Loss (TTM EPS ₹-4.62)
P/B
3.03
ROE (FY26)
-10.5%
ROCE (FY26)
8.7%
Operating margin (FY26)
25.2%
Debt / equity (FY26)
51.52

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Centrum is a Mumbai-based financial services group that runs a small finance bank (Unity Small Finance Bank) alongside wealth management, investment banking, institutional equities, retail broking and private credit businesses for retail, wealthy-family and institutional clients.

Company snapshot

6thBy market cap

Ranked among 15 companies in Other Financial Services.

Segment mix

Reportable segments as of 2024-09-30 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 77.3% of revenue

SegmentRevenue shareRevenuePBTAssets
Banking Business
77.3%
1,160 Cr-6 Cr—
Housing Finance
6.5%
97 Cr10 Cr—
Institutional Business
4.1%
61 Cr-3 Cr—
Less : Elimination—-49 Cr-14 Cr—
Unallocated
8.9%
133 Cr2 Cr—
Wealth Management & Distribution
6.5%
98 Cr0.67 Cr—

Shares add up to 103% because segment revenues are before inter-segment eliminations.

What we see

Concerns
  • ✗Net margin is negative — the company is spending more than it earns right now.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income170 Cr181 Cr210 Cr230 Cr254 Cr216 Cr222 Cr223 Cr225 Cr251 Cr——
Other income4 Cr34 Cr3 Cr9 Cr84 Cr17 Cr58 Cr195 Cr276 Cr60 Cr19 Cr30 Cr
Net operating income174 Cr215 Cr213 Cr239 Cr338 Cr233 Cr280 Cr418 Cr500 Cr312 Cr19 Cr30 Cr
Employee cost139 Cr144 Cr154 Cr168 Cr162 Cr177 Cr192 Cr200 Cr207 Cr183 Cr171 Cr211 Cr
Other expenses102 Cr107 Cr135 Cr154 Cr168 Cr192 Cr253 Cr218 Cr230 Cr232 Cr530 Cr403 Cr
Provisions & contingencies————————————
Depreciation17 Cr19 Cr23 Cr23 Cr23 Cr27 Cr38 Cr31 Cr24 Cr32 Cr61 Cr38 Cr
Profit before tax-20 Cr-40 Cr22 Cr-125 Cr15 Cr-101 Cr23 Cr-81 Cr-32 Cr-164 Cr23 Cr-153 Cr
Tax %-38.5%55.4%-77.5%2.7%49.4%42.0%-6.9%-32.6%73.2%17.8%235.1%2.8%
Net profit-28 Cr-18 Cr39 Cr-122 Cr8 Cr-59 Cr24 Cr-107 Cr-9 Cr-135 Cr-31 Cr-149 Cr
EPS (₹)₹-0.56₹-0.67₹0.04₹-2.19₹-0.57₹-1.26₹-0.49₹-0.33₹-0.96₹-2.23₹0.29₹-1.90

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———99 Cr71 Cr55 Cr308 Cr705 Cr922 Cr—Sign in free for the trailing twelve months
Other income132 Cr51 Cr18 Cr11 Cr13 Cr20 Cr55 Cr32 Cr168 Cr364 CrSign in free for the trailing twelve months
Net operating income132 Cr51 Cr18 Cr109 Cr84 Cr74 Cr363 Cr737 Cr1,089 Cr364 CrSign in free for the trailing twelve months
Employee cost134 Cr176 Cr228 Cr226 Cr196 Cr259 Cr431 Cr576 Cr698 Cr761 CrSign in free for the trailing twelve months
Other expenses200 Cr230 Cr266 Cr100 Cr74 Cr184 Cr287 Cr452 Cr766 Cr1,756 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation7 Cr8 Cr7 Cr20 Cr19 Cr21 Cr38 Cr71 Cr111 Cr148 CrSign in free for the trailing twelve months
Profit before tax76 Cr80 Cr167 Cr13 Cr-32 Cr-184 Cr-179 Cr-107 Cr-188 Cr-253 CrSign in free for the trailing twelve months
Tax %39.8%47.9%53.0%94.3%-30.7%-3.0%-2.4%33.3%21.2%-11.2%Sign in free for the trailing twelve months
Net profit46 Cr32 Cr73 Cr0.72 Cr-42 Cr-190 Cr-183 Cr-71 Cr-149 Cr-281 CrSign in free for the trailing twelve months
EPS (₹)₹0.72₹0.77₹1.77₹0.35₹-1.13₹-4.25₹-3.60₹-2.39₹-4.51₹-3.13Sign in free for the trailing twelve months
Dividend payout %——————————Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital42 Cr42 Cr42 Cr42 Cr42 Cr42 Cr42 Cr42 Cr42 Cr49 Cr
Reserves275 Cr297 Cr596 Cr580 Cr538 Cr633 Cr552 Cr399 Cr238 Cr263 Cr
Borrowings389 Cr953 Cr—1,734 Cr1,925 Cr6,114 Cr5,285 Cr10,775 Cr16,221 Cr16,058 Cr
Other liabilities254 Cr557 Cr2,226 Cr379 Cr459 Cr4,392 Cr4,580 Cr4,867 Cr4,743 Cr4,107 Cr
Total liabilities1,123 Cr1,999 Cr2,864 Cr2,929 Cr3,160 Cr12,495 Cr11,740 Cr17,384 Cr22,589 Cr21,483 Cr
Fixed assets (net)21 Cr28 Cr180 Cr29 Cr58 Cr316 Cr445 Cr578 Cr866 Cr808 Cr
CWIP—4 Cr—0 Cr0.08 Cr30 Cr3 Cr4 Cr129 Cr153 Cr
Investments51 Cr118 Cr104 Cr81 Cr78 Cr2,867 Cr2,517 Cr3,914 Cr5,281 Cr4,158 Cr
Loans & advances———1,981 Cr2,184 Cr3,573 Cr6,836 Cr10,755 Cr13,402 Cr4,580 Cr
Inventories17 Cr33 Cr66 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Trade receivables174 Cr262 Cr93 Cr60 Cr35 Cr35 Cr32 Cr43 Cr60 Cr58 Cr
Cash & bank250 Cr302 Cr217 Cr169 Cr209 Cr4,399 Cr599 Cr670 Cr908 Cr987 Cr
Other assets610 Cr1,252 Cr2,205 Cr610 Cr596 Cr1,276 Cr1,309 Cr1,422 Cr1,943 Cr10,738 Cr
Total assets1,123 Cr1,999 Cr2,864 Cr2,929 Cr3,160 Cr12,495 Cr11,740 Cr17,384 Cr22,589 Cr21,483 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-55 Cr-727 Cr-1,216 Cr-156 Cr-40 Cr-544 Cr-4,054 Cr120 Cr2,532 Cr-1,814 Cr
Cash from investing16 Cr-63 Cr925 Cr112 Cr-56 Cr-286 Cr142 Cr-1,550 Cr-1,704 Cr1,459 Cr
Cash from financing86 Cr830 Cr374 Cr63 Cr137 Cr5,019 Cr112 Cr1,501 Cr-590 Cr436 Cr
Net cash flow47 Cr41 Cr83 Cr18 Cr40 Cr4,190 Cr-3,800 Cr71 Cr238 Cr80 Cr
Free cash flow (OCF − Capex)-68 Cr-765 Cr-1,234 Cr-164 Cr-46 Cr-592 Cr-4,076 Cr18 Cr2,244 Cr-2,045 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %15.6%12.2%50.4%8.3%7.6%1.8%6.4%7.3%7.7%8.7%
ROE %6.2%6.5%11.5%1.8%-6.0%-8.9%-8.0%-5.7%-11.5%-10.5%
Debtor days910904625189766
Inventory days11164960000000
Days payable54———————21
Cash conversion cycle5716586462518976-15
Debt / equity1.232.820.032.793.329.068.9124.4558.0851.52
Current ratio1.901.641.74——————0.64
Net debt / EBITDA13.50—-0.7010.238.0711.6410.6410.6111.6113.74