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

₹ 282 -0.74%
03 Jul 12:29 p.m.
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 ₹ 1,276 Cr.
  • Current Price ₹ 282
  • High / Low ₹ 371 / 250
  • Stock P/E 9.67
  • Book Value ₹ 296
  • Dividend Yield 1.40 %
  • ROCE 7.04 %
  • ROE 10.4 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.95 times its book value
  • Company has delivered good profit growth of 39.0% 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 12.3% 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

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Part of BSE SmallCap BSE IPO BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Sep 2021 Mar 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
142 153 168 177 179 189 197 204 204 218 224 235 231
Interest 80 82 87 90 94 102 113 117 117 119 123 128 128
59 60 63 61 68 60 68 67 70 76 82 80 84
Financing Profit 3 11 19 25 16 27 16 20 17 24 19 27 19
Financing Margin % 2% 7% 11% 14% 9% 14% 8% 10% 8% 11% 8% 12% 8%
16 16 12 12 15 13 16 18 21 17 26 18 26
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 19 27 31 37 32 40 32 38 38 40 44 46 45
Tax % 24% 30% 25% 24% 24% 25% 25% 25% 25% 25% 25% 25% 24%
15 19 23 28 24 30 24 29 28 30 33 34 34
EPS in Rs 8.17 6.26 6.66 7.40 7.53 7.57
Gross NPA % 2.22% 2.50% 2.60% 2.96% 2.77% 2.81% 2.73% 2.97% 2.76% 2.69% 2.61% 2.67% 2.58%
Net NPA % 1.23% 1.36% 1.35% 1.60% 1.36% 1.37% 1.36% 1.53% 1.40% 1.35% 1.29% 1.35% 1.30%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
271 346 458 511 578 676 794 908
Interest 166 211 286 313 323 354 449 498
108 128 166 174 209 227 248 321
Financing Profit -4 7 7 24 46 95 97 89
Financing Margin % -1% 2% 2% 5% 8% 14% 12% 10%
23 31 43 46 54 49 68 86
Depreciation 0 12 15 16 16 21 17 0
Profit before tax 19 27 35 54 84 124 148 175
Tax % 0% 28% 27% 24% 26% 25% 25% 25%
19 19 25 41 63 94 112 132
EPS in Rs 24.76 29.10
Dividend Payout % 0% 3% 0% 7% 5% 4% 5% 14%
Compounded Sales Growth
10 Years: %
5 Years: 15%
3 Years: 16%
TTM: 14%
Compounded Profit Growth
10 Years: %
5 Years: 39%
3 Years: 28%
TTM: 18%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -20%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 12%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 28 28 34 34 34 34 45 45
Reserves 205 222 373 417 482 576 1,152 1,295
Deposits 2,851 3,667 4,447 5,221 6,046 6,561 7,478 8,323
Borrowing 222 358 421 617 498 721 472 321
46 45 56 83 93 98 148 124
Total Liabilities 3,352 4,321 5,330 6,371 7,154 7,991 9,295 10,108
65 84 91 87 84 83 84 88
CWIP 0 0 0 0 0 0 0 0
Investments 871 863 1,052 1,212 1,357 1,489 1,706 1,819
2,417 3,375 4,187 5,072 5,713 6,420 7,506 8,200
Total Assets 3,352 4,321 5,330 6,371 7,154 7,991 9,295 10,108

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
8 -80 174 -211 75 113 279
-31 -22 -12 -13 -202 -162 -56
134 192 197 -120 222 223 -155
Net Cash Flow 111 90 359 -344 94 173 68

Ratios

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 8% 8% 10% 13% 17% 12% 10%

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

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