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

₹ 304 -0.62%
16 Sep 4:00 p.m.
capitalbank.co.in BSE: 544120 NSE: CAPITALSFB
About
Key Points

Product Portfolio[1] The bank offers a range of banking products on the asset and liability side. Asset products primarily include agriculture loans, MSMEs, trading loans (working capital, machinery loans, etc.), and mortgages (housing loans and loans against property).

Website BSE NSE
  • Market Cap ₹ 1,371 Cr.
  • Current Price ₹ 304
  • High / Low ₹ 469 / 290
  • Stock P/E 12.3
  • Book Value ₹
  • Dividend Yield 0.40 %
  • ROCE 7.57 %
  • ROE 18.3 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 41.9% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 18.8%
  • Company might be capitalizing the interest cost

* 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

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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
Revenue 132 153 177 179 189 197 204 204 218
Interest 79 82 90 94 102 113 117 117 119
50 60 61 68 60 68 67 70 76
Financing Profit 3 11 25 16 27 16 20 17 24
Financing Margin % 2% 7% 14% 9% 14% 8% 10% 8% 11%
15 16 12 15 13 16 18 21 17
Depreciation 0 0 0 0 0 0 0 0 0
Profit before tax 18 27 37 32 40 32 38 38 40
Tax % 24% 30% 24% 24% 25% 25% 25% 25% 25%
14 19 28 24 30 24 29 28 30
EPS in Rs 8.17 6.26 6.66
Gross NPA % 2.08% 2.50% 2.96% 2.77% 2.81% 2.73% 2.97% 2.76% 2.69%
Net NPA % 1.13% 1.36% 1.60% 1.36% 1.37% 1.36% 1.53% 1.40% 1.35%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 346 458 511 578 676 794 824
Interest 211 286 313 323 354 449 466
128 166 174 209 227 265 281
Financing Profit 7 7 24 46 95 80 77
Financing Margin % 2% 2% 5% 8% 14% 10% 9%
31 43 46 54 49 68 71
Depreciation 12 15 16 16 21 0 0
Profit before tax 27 35 54 84 124 148 148
Tax % 28% 27% 24% 26% 25% 25%
19 25 41 63 94 112 111
EPS in Rs 24.76
Dividend Payout % 3% 0% 7% 5% 4% 5%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 16%
TTM: 18%
Compounded Profit Growth
10 Years: %
5 Years: 42%
3 Years: 40%
TTM: 19%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 16%
Last Year: 18%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 28 34 34 34 34
Reserves 222 373 417 482 576
4,026 4,868 5,838 6,545 7,282
45 56 83 93 98
Total Liabilities 4,321 5,330 6,371 7,154 7,991
84 91 87 84 83
CWIP 0 0 0 0 0
Investments 863 1,052 1,212 1,357 1,489
3,375 4,187 5,072 5,713 6,420
Total Assets 4,321 5,330 6,371 7,154 7,991

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%

Shareholding Pattern

Numbers in percentages

Mar 2024Jun 2024
18.85% 18.85%
1.38% 1.33%
33.09% 32.58%
46.70% 47.24%
No. of Shareholders 89,96482,280

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

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