Capital Small Finance Bank Ltd
Incorporated in 1999, Capital
Small Finance Bank Ltd is India's
first Small Finance Bank[1]
- Market Cap ₹ 1,339 Cr.
- Current Price ₹ 296
- High / Low ₹ 371 / 250
- Stock P/E 10.2
- Book Value ₹ 296
- Dividend Yield 0.41 %
- ROCE 7.04 %
- ROE 10.4 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 1.00 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
Sector: Banks Industry: Banks - Private Sector
Part of BSE SmallCap BSE IPO BSE Allcap BSE Financial Services
Quarterly Results
Figures in Rs. Crores
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: | -12% |
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% |
Documents
Announcements
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
16 May - Annual Secretarial Compliance Report for FY ended March 31, 2025 confirming regulatory adherence.
-
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
3 May - Transcript of Earning Call - April 30, 2025
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
30 Apr - Capital SFB Q4 and FY25 results: Rs 7,184 Cr advances, Rs 132 Cr PAT, 2.6% GNPA, 36.9% CASA ratio.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
30 Apr - Of Newspaper Advertisement of Audited Financial results of the Bank for the Quarter and year ended March 31, 2025.
-
Announcement under Regulation 30 (LODR)-Investor Presentation
29 Apr - Investor Presentation on Audited Financial results - March 31, 2025
Concalls
-
May 2025Transcript PPT REC
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Apr 2025TranscriptNotesPPT
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Feb 2025Transcript PPT
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Jan 2025TranscriptNotesPPT
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Oct 2024Transcript PPT REC
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Oct 2024TranscriptNotesPPT
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Aug 2024Transcript PPT
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Jul 2024TranscriptNotesPPT
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May 2024Transcript PPT
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.