---
title: "PAL Credit & Capital Ltd (PALCREDIT) — Share Price, Financials & Analysis"
symbol: "PALCREDIT"
company: "PAL Credit & Capital Ltd"
canonical: "https://tapetide.com/stocks/PALCREDIT"
sector: "Financial Services"
industry: "Finance"
generated_at: "2026-09-13T19:17:29.561Z"
---

# PAL Credit & Capital Ltd (PALCREDIT)

Canonical page: https://tapetide.com/stocks/PALCREDIT

## Company

- **Sector:** Financial Services
- **Industry:** Finance
- **Macro Sector:** Financial Services
- **Stock Type:** EQUITY
- **Face Value:** ₹1
- **F&O Eligible:** No
- **Website:** palcc.co.in

## About

PAL Credit & Capital is engaged in providing finance for all makes of vehicles. The Company is also engaged in a wide spectrum of activities like Equipment Leasing, Bill Discounting, Merchant Banking, Securities Trading etc.

## Latest Price

## Key Insights

### Weaknesses

- Company has low interest coverage ratio.

## Growth Rates

| Metric | 1Y | 5Y |
| --- | --- | --- |
| net income growth | 2% | — |
| revenue growth | — | -29% |

## Financial Statements

### Quarterly Results

All figures in ₹ crore unless the row name says otherwise.

| Item | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Dec 2016 | Mar 2017 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenses | 0.1 | 0.08 | 0.09 | 0.12 | 0.07 | 0.08 | 0.09 | 0.12 | 0.07 | 0.08 | 0.11 | 0.06 |
| Financing Profit | -0.1 | -0.08 | -0.09 | -0.24 | -0.13 | -0.14 | -0.16 | 0.2 | -0.07 | -0.63 | -0.2 | -0.15 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.02 | 0.04 | 0.1 | 0 |
| Interest | 0 | 0 | 0 | 0.12 | 0.06 | 0.06 | 0.07 | -0.32 | 0 | 0.55 | 0.09 | 0.09 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | -0.1 | -0.08 | -0.09 | -0.24 | -0.13 | -0.14 | -0.16 | 0.2 | -0.05 | -0.59 | -0.1 | -0.15 |
| Tax % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Profit | -0.11 | -0.08 | -0.1 | -0.25 | -0.13 | -0.14 | -0.16 | 0.2 | -0.06 | -0.59 | -0.1 | -0.15 |
| EPS in Rs | -0.05 | -0.04 | -0.05 | -0.12 | -0.06 | -0.06 | -0.07 | 0.09 | -0.03 | -0.27 | -0.05 | -0.07 |

### Profit & Loss

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Revenue | 0.03 | 10.21 | 0.28 | 0.14 | 0.11 | 0.05 | 0 | 0 | 0 | 0.02 |
| Expenses | 2.36 | 7.98 | 0.35 | 0.53 | 0.33 | 0.45 | 0.28 | 0.4 | 0.37 | 0.36 |
| Financing Profit | -4.41 | 1.9 | -0.07 | -0.39 | -0.22 | -0.4 | -0.28 | -0.4 | -0.61 | -0.64 |
| Financing Margin % | -14700 | 18.61 | -25 | -278.57 | -200 | -800 | — | — | — | -3200 |
| Other Income | 3.76 | -2.12 | 0.09 | 0.11 | 0.04 | 0.01 | 0.02 | 0.01 | 0.01 | 0.04 |
| Interest | 2.08 | 0.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0.24 | 0.3 |
| Depreciation | 0.13 | 0 | 0.01 | 0.01 | 0.04 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Profit before tax | -0.78 | -0.22 | 0.01 | -0.29 | -0.22 | -0.4 | -0.27 | -0.4 | -0.61 | -0.61 |
| Tax % | 144.87 | 0 | 4000 | 0 | 0 | 397.5 | 0 | 0 | 0 | 0 |
| Net Profit | -1.91 | -0.22 | -0.39 | -0.29 | -0.22 | -1.99 | -0.27 | -0.4 | -0.61 | -0.61 |
| EPS in Rs | -0.88 | -0.1 | -0.18 | -0.13 | -0.1 | -0.92 | -0.12 | -0.19 | -0.28 | -0.28 |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |

### Balance Sheet

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Equity Capital | 21.6 | 21.6 | 21.6 | 21.6 | 21.6 | 21.6 | 2.16 | 2.16 | 2.16 | 2.16 |
| Reserves | -19.8 | -20.2 | -20.49 | -20.71 | -22.7 | -22.98 | -3.94 | -4.55 | -5.15 | -5.66 |
| Borrowing | 0.01 | 0 | 0 | 0 | 1.02 | 1.54 | 1.86 | 2.46 | 2.82 | 3.2 |
| Other Liabilities | 0.55 | 0.02 | 0.02 | 0.02 | 0.27 | 0.03 | 0.12 | 0.09 | 0.24 | 0.35 |
| Total Liabilities | 2.36 | 1.42 | 1.13 | 0.91 | 0.19 | 0.19 | 0.2 | 0.16 | 0.07 | 0.05 |
| Fixed Assets | 0.04 | 0.11 | 0.11 | 0.06 | 0.05 | 0.04 | 0.03 | 0.03 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 2.32 | 1.31 | 1.02 | 0.85 | 0.14 | 0.15 | 0.17 | 0.13 | 0.07 | 0.05 |
| Total Assets | 2.36 | 1.42 | 1.13 | 0.91 | 0.19 | 0.19 | 0.2 | 0.16 | 0.07 | 0.05 |

### Cash Flow

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash from Operating Activity | 0.15 | 3.73 | 0.17 | -0.1 | -0.09 | -1.03 | -0.52 | -0.32 | -0.35 | -0.04 |
| Cash from Investing Activity | -0.01 | -0.03 | -0.1 | 0 | 0 | 0 | 0 | 0 | 0 | -0.02 |
| Cash from Financing Activity | -0.18 | -3.67 | -0.01 | 0 | 0 | 1.02 | 0.52 | 0.32 | 0.35 | 0.05 |
| Net Cash Flow | -0.04 | 0.03 | 0.06 | -0.1 | -0.09 | -0.01 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 0.14 | 3.7 | 0.07 | -0.1 | -0.09 | -1.03 | -0.52 | -0.32 | -0.35 | -0.06 |
| CFO/OP | -20 | 167 | -1586 | 26 | 32 | -75 | 93 | 80 | 95 | 12 |

### Ratios

| Item | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ROE % | -123.65 | 61.13 | -23.12 | -23.11 | -22 | — | — | — | — | — |

## Shareholding Pattern

### annual

| Category | Mar 2017 |
| --- | --- |
| Promoters | 27.31% |
| Public | 72.69% |
| No. of Shareholders | 13428 |

### Quarterly

| Category | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 |
| --- | --- | --- | --- | --- |
| Promoters | 27.31% | 27.31% | 27.31% | 27.31% |
| Public | 72.69% | 72.69% | 72.69% | 72.69% |
| No. of Shareholders | 13436 | 13434 | 13430 | 13428 |

## Technical Indicators

Derived from daily closing prices and recomputed each trading session; values move with the market.

- **Overall Signal:** Strong Sell
- **Buy / Neutral / Sell:** 5 / 2 / 12

### Moving Averages — summary: **Strong Sell**

| Indicator | Value | Signal |
| --- | --- | --- |
| SMA (10) | 660.47 | Sell |
| EMA (10) | 660.33 | Sell |
| SMA (20) | 687.58 | Sell |
| EMA (20) | 681.31 | Sell |
| SMA (50) | 729.74 | Sell |
| EMA (50) | 721.75 | Sell |
| SMA (100) | 775.46 | Sell |
| EMA (100) | 768.23 | Sell |
| SMA (200) | 850.04 | Sell |
| EMA (200) | 837.15 | Sell |

### Oscillators — summary: **Strong Buy**

| Indicator | Value | Signal |
| --- | --- | --- |
| RSI (14) | 25.77 | Buy |
| MACD (12,26,9) | -25.97 | Sell |
| Stochastic (14,3,3) | 14.3 | Buy |
| ADX (14) | 31.69 | Buy |
| Williams %R (14) | -86.93 | Buy |
| ATR (14) | 26.44 | High Volatility |
| ROC (12) | -10.86 | Sell |
| Stoch RSI (14) | 5.24 | Buy |
| UO (7,14,28) | 52.16 | Neutral |

## Filings & Documents

### Annual Reports

| Date | Document |
| --- | --- |
| from bse | [Annual Report 2016 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060316.pdf) |
| from bse | [Annual Report 2015 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060315.pdf) |
| from bse | [Annual Report 2014 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060314.pdf) |
| from bse | [Annual Report 2013 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060313.pdf) |
| from bse | [Annual Report 2012 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060312.pdf) |
| from bse | [Annual Report 2011 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060311.pdf) |
| from bse | [Annual Report 2010 from bse](https://www.bseindia.com/bseplus/AnnualReport//5113060310.pdf) |

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Provenance differs by section. Financial statements, shareholding and filings are as reported in company disclosures to NSE/BSE/SEBI. Price, volume and 52-week levels are exchange market data. Technical indicators are computed by Tapetide from daily closing prices. The Tapetide Score is Tapetide's own analysis. Analyst ratings are third-party estimates, not company statements. All figures are for research and information only and are not investment advice. Generated 2026-09-13T19:17:29.561Z.