Capital Small Finance Bank Ltd

Capital Small Finance Bank Ltd

₹ 340 -1.39%
23 Apr - close price
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).

  • Market Cap 1,533 Cr.
  • Current Price 340
  • High / Low 469 / 320
  • Stock P/E 16.4
  • Book Value
  • Dividend Yield 0.00 %
  • ROCE 6.40 %
  • ROE 16.6 %
  • Face Value 10.0

Pros

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -5.16%
  • Promoter holding is low: 18.8%
  • Company has a low return on equity of 13.4% over last 3 years.
  • 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

Dec 2022 Jun 2023 Sep 2023 Dec 2023
Revenue 177 189 197 204
Interest 90 102 113 117
61 60 68 67
Financing Profit 25 27 16 20
Financing Margin % 14% 14% 8% 10%
12 13 16 18
Depreciation 0 0 0 0
Profit before tax 37 40 32 38
Tax % 24% 25% 25% 25%
28 30 24 29
EPS in Rs 8.17
Gross NPA % 2.96% 2.81% 2.73% 2.97%
Net NPA % 1.60% 1.37% 1.36% 1.53%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Revenue 346 458 511 578 676
Interest 211 286 313 323 354
128 166 174 209 227
Financing Profit 7 7 24 46 95
Financing Margin % 2% 2% 5% 8% 14%
31 43 46 54 49
Depreciation 12 15 16 16 21
Profit before tax 27 35 54 84 124
Tax % 28% 27% 24% 26% 25%
19 25 41 63 94
EPS in Rs
Dividend Payout % 3% 0% 7% 5% 4%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 14%
TTM: 17%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 54%
TTM: 50%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 13%
Last Year: 17%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
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
8 -80 174 -211 -107
-31 -22 -12 -13 -20
134 192 197 -120 222
Net Cash Flow 111 90 359 -344 94

Ratios

Figures in Rs. Crores

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

Shareholding Pattern

Numbers in percentages

5 Recently
Mar 2024
18.85%
1.38%
33.09%
46.70%
No. of Shareholders 89,964

* 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