1. At a Glance – This Stock Is Either Sleeping or Scheming
CP Capital Limited (formerly Career Point Limited) is currently trading at ₹93.8, with a market cap of just ₹171 crore. The stock has been hammered: –21.3% in 3 months, –57.4% in one year. Ouch.
But here’s the twist.
Q3 FY26 consolidated PAT jumped +43.9% YoY to ₹1,249.71 lakh. Consolidated EPS came in at ₹6.87 for the quarter. Annualise that (carefully, as per rules), and we’re looking at a serious earnings engine.
Meanwhile:
- P/E: 4.06
- Price to Book: 0.31
- Dividend Yield: 3.20%
- ROE: 7.30%
- Debt to Equity: 0.14
- EV/EBITDA: 3.55
You don’t often see an NBFC + education hybrid trading at 30% of book value unless the market suspects something.
So the big question:
Is this a forgotten gem… or a value trap wearing a coaching institute blazer?
Let’s dissect.
2. Introduction – From Kota Classrooms to Capital Allocation
CP Capital started life as an education brand — coaching, schools, universities, the whole Kota-style JEE-NEET machine.
Then came restructuring.
Then came demergers.
Then came RBI registration.
Then came the name change.
Now, CP Capital is positioning itself as a capital allocation and lending platform, while the education business moves into Career Point Edutech.
If this sounds like corporate chess, that’s because it is.
In 2024–25:
- NCLT approved scheme of arrangement.
- Education business demerged.
- Srajan Capital merged.
- RBI NBFC registration received.
- Name officially changed to CP Capital Limited.
So what is this now?
An NBFC wearing an education legacy badge.
But here’s the spicy bit:
While revenue growth over 5 years is negative (–11.6% CAGR), profit growth over 3 years is +22.5%.
So sales are sleepy. Profits are sneaky.
Are we looking at a capital-light, high-margin financial play emerging from an old-school education brand?
Or is this financial engineering masking stagnation?
Keep reading.
3. Business Model – WTF Do They Even Do?
Let’s simplify this like we’re explaining to your cousin who just opened a Demat account.
CP Capital now has two historical
