Capital Small Finance Bank Ltd

Capital Small Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capital Small Finance Bank Ltd

₹ 290 2.08%
17 Apr - close price
capitalbank.co.in BSE: 544120 NSE: CAPITALSFB
About

Incorporated in 1999, Capital
Small Finance Bank Ltd is India's
first Small Finance Bank[1]

Key Points

Business Overview:[1]
CSFBL started as a local area bank and converted to a Small Finance bank. It extends agriculture loans including kisan credit card (KCC) loans, mortgage loans, housing loans and Micro, Small and Medium Enterprise (MSME) loans to middle income individuals.

Website BSE NSE
  • Market Cap ₹ 1,310 Cr.
  • Current Price ₹ 290
  • High / Low ₹ 407 / 250
  • Stock P/E 10.4
  • Book Value ₹ 288
  • Dividend Yield 0.41 %
  • ROCE 7.01 %
  • ROE 12.3 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.01 times its book value
  • Company has delivered good profit growth of 41.8% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 18.8%
  • Company has a low return on equity of 13.7% over last 3 years.
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -4.80%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE IPO BSE Allcap BSE Financial Services BSE SmallCap

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Quarterly Results

Figures in Rs. Crores

Mar 2021 Mar 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 132 153 177 179 189 197 204 204 218 224 235
Interest 79 82 90 94 102 113 117 117 119 123 128
50 60 61 68 60 68 67 70 76 82 80
Financing Profit 3 11 25 16 27 16 20 17 24 19 27
Financing Margin % 2% 7% 14% 9% 14% 8% 10% 8% 11% 8% 12%
15 16 12 15 13 16 18 21 17 26 18
Depreciation 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 18 27 37 32 40 32 38 38 40 44 46
Tax % 24% 30% 24% 24% 25% 25% 25% 25% 25% 25% 25%
14 19 28 24 30 24 29 28 30 33 34
EPS in Rs 8.17 6.26 6.66 7.40 7.53
Gross NPA % 2.08% 2.50% 2.96% 2.77% 2.81% 2.73% 2.97% 2.76% 2.69% 2.61% 2.67%
Net NPA % 1.13% 1.36% 1.60% 1.36% 1.37% 1.36% 1.53% 1.40% 1.35% 1.29% 1.35%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 346 458 511 578 676 794 881
Interest 211 286 313 323 354 449 487
128 166 174 209 227 248 307
Financing Profit 7 7 24 46 95 97 87
Financing Margin % 2% 2% 5% 8% 14% 12% 10%
31 43 46 54 49 68 81
Depreciation 12 15 16 16 21 17 0
Profit before tax 27 35 54 84 124 148 168
Tax % 28% 27% 24% 26% 25% 25%
19 25 41 63 94 112 126
EPS in Rs 24.76 27.85
Dividend Payout % 3% 0% 7% 5% 4% 5%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 16%
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: 42%
3 Years: 40%
TTM: 17%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -18%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 14%
Last Year: 12%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 28 34 34 34 34 45 45
Reserves 222 373 417 482 576 1,152 1,221
Deposits 3,667 4,447 5,221 6,046 6,561 7,478 7,780
Borrowing 358 421 617 498 721 472 390
45 56 83 93 98 148 126
Total Liabilities 4,321 5,330 6,371 7,154 7,991 9,295 9,561
84 91 87 84 83 84 84
CWIP 0 0 0 0 0 0 0
Investments 863 1,052 1,212 1,357 1,489 1,706 1,751
3,375 4,187 5,072 5,713 6,420 7,506 7,726
Total Assets 4,321 5,330 6,371 7,154 7,991 9,295 9,561

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
8 -80 174 -211 75 113
-31 -22 -12 -13 -202 -162
134 192 197 -120 222 223
Net Cash Flow 111 90 359 -344 94 173

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 8% 10% 13% 17% 12%

Shareholding Pattern

Numbers in percentages

Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
18.85% 18.85% 18.84% 18.77% 18.77%
1.38% 1.33% 1.33% 1.36% 1.29%
33.09% 32.58% 31.71% 31.31% 31.85%
46.70% 47.24% 48.12% 48.56% 48.08%
No. of Shareholders 89,96482,28076,54373,87970,112

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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DRHP

Credit ratings

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