Last Updated on: 07 September, 2024
Stock Ticker - BSE: 544120 | NSE: CAPITALSFB
Share Price and Basic Stock Data
Last Updated: September 6, 2024, 10:30 pm
| Market Cap | 1,347 Cr. |
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| Current Price | 299 |
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| High / Low | 469/290 |
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| Stock P/E | 12.1 |
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| Book Value | |
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| Dividend Yield | 0.40 % |
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| ROCE | 7.57 % |
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| ROE | 18.3 % |
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| Face Value | 10.0 |
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| PEG Ratio | 0.00 |
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Data Source: screener.in
Stock P/E, Current Price, and Intrinsic Value Over Time
Competitors of Capital Small Finance Bank Ltd
Quarterly Result
| Month | Mar 2021 | Mar 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
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| Revenue | 132 | 153 | 177 | 179 | 189 | 197 | 204 | 204 | 218 |
| Interest | 79 | 82 | 90 | 94 | 102 | 113 | 117 | 117 | 119 |
| Expenses | 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% |
| Other Income | 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% |
| Net Profit | 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% |
Last Updated: September 7, 2024, 11:00 pm
Quarterly Chart
Profit & Loss - Annual Report
Last Updated: August 24, 2024, 10:15 am
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
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| Revenue | 346 | 458 | 511 | 578 | 676 | 794 | 824 |
| Interest | 211 | 286 | 313 | 323 | 354 | 449 | 466 |
| Expenses | 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% |
| Other Income | 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% | |
| Net Profit | 19 | 25 | 41 | 63 | 94 | 112 | 111 |
| EPS in Rs | | | | | | 24.76 | |
| Dividend Payout % | 3% | 0% | 7% | 5% | 4% | 5% | |
Profit & Loss Yearly Chart
YoY Net Profit Growth
| Year | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 |
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| YoY Net Profit Growth (%) | 31.58% | 64.00% | 53.66% | 49.21% | 19.15% |
| Change in YoY Net Profit Growth (%) | 0.00% | 32.42% | -10.34% | -4.45% | -30.06% |
Growth
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| Compounded Sales Growth |
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| 10 Years: | % |
| 5 Years: | 18% |
| 3 Years: | 16% |
| TTM: | 18% |
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| Compounded Profit Growth |
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| 10 Years: | % |
| 5 Years: | 42% |
| 3 Years: | 40% |
| TTM: | 19% |
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| Stock Price CAGR |
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| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
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| Return on Equity |
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| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 16% |
| Last Year: | 18% |
Last Updated: August 3, 2024, 2:04 am
Balance Sheet
Last Updated: July 12, 2024, 8:33 am
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
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| Equity Capital | 28 | 34 | 34 | 34 | 34 | |
| Reserves | 222 | 373 | 417 | 482 | 576 | |
| Borrowings | 4,026 | 4,868 | 5,838 | 6,545 | 7,282 | |
| Other Liabilities | 45 | 56 | 83 | 93 | 98 | |
| Total Liabilities | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | |
| Fixed Assets | 84 | 91 | 87 | 84 | 83 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | |
| Investments | 863 | 1,052 | 1,212 | 1,357 | 1,489 | |
| Other Assets | 3,375 | 4,187 | 5,072 | 5,713 | 6,420 | |
| Total Assets | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | |
Reserves and Borrowings Chart
Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
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| Cash from Operating Activity | 8 | -80 | 174 | -211 | 75 | 113 |
| Cash from Investing Activity | -31 | -22 | -12 | -13 | -202 | -162 |
| Cash from Financing Activity | 134 | 192 | 197 | -120 | 222 | 223 |
| Net Cash Flow | 111 | 90 | 359 | -344 | 94 | 173 |
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Free Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
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| Free Cash Flow | 124.00 | 162.00 | 169.00 | 203.00 | 220.00 | 265.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Free Cash Flow Chart
Financial Efficiency Indicators
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
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| ROE % | | 8% | 10% | 13% | 17% | |
Financial Efficiency Indicators Chart
Share Holding Pattern
| Month | Mar 2024 | Jun 2024 |
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| Promoters | 18.85% | 18.85% |
| FIIs | 1.38% | 1.33% |
| DIIs | 33.09% | 32.58% |
| Public | 46.70% | 47.24% |
| No. of Shareholders | 89,964 | 82,280 |
Shareholding Pattern Chart
No. of Shareholders
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
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| Nippon India Small Cap Fund | 1,566,472 | 0.13 | 60.04 | 1,566,472 | 2024-09-04 | 0% |
| WhiteOak Capital Flexi Cap Fund | 259,840 | 0.32 | 9.96 | 1,566,472 | 2024-09-04 | -83.41% |
| 360 ONE FlexiCap Fund | 213,664 | 2.05 | 8.19 | 1,566,472 | 2024-09-04 | -86.36% |
| WhiteOak Capital Mid Cap Fund | 135,744 | 0.32 | 5.2 | 1,566,472 | 2024-09-04 | -91.33% |
| 360 ONE Balanced Hybrid Fund | 130,798 | 0.74 | 4.44 | 1,566,472 | 2024-09-04 | -91.65% |
| WhiteOak Capital Banking & Financial Services Fund | 72,837 | 2.3 | 2.79 | 1,566,472 | 2024-09-04 | -95.35% |
| WhiteOak Capital Multi Cap Fund | 61,888 | 0.31 | 2.37 | 1,566,472 | 2024-09-04 | -96.05% |
| WhiteOak Capital Balanced Advantage Fund | 58,603 | 0.26 | 2.25 | 1,566,472 | 2024-09-04 | -96.26% |
| Whiteoak Capital Large & Mid Cap Fund | 17,278 | 0.07 | 0.66 | 1,566,472 | 2024-09-04 | -98.9% |
| WhiteOak Capital ELSS Tax Saver Fund | 12,608 | 0.3 | 0.48 | 1,566,472 | 2024-09-04 | -99.2% |
ROCE Trend
EPS Trend
Key Financial Ratios
| Month | Mar 24 | Mar 23 | Mar 22 | Mar 21 | Mar 20 |
|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 30.65 | 27.35 | 18.41 | 12.04 | 8.18 |
| Diluted EPS (Rs.) | 30.45 | 27.21 | 18.22 | 11.98 | 8.16 |
| Cash EPS (Rs.) | 24.76 | 33.36 | 23.11 | 16.89 | 12.04 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 265.86 | 178.27 | 151.50 | 132.94 | 120.32 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 265.86 | 178.27 | 151.50 | 132.94 | 120.32 |
| Dividend / Share (Rs.) | 1.20 | 1.20 | 1.00 | 0.80 | 0.20 |
| Operating Revenue / Share (Rs.) | 176.36 | 197.36 | 169.84 | 150.82 | 135.51 |
| Net Profit / Share (Rs.) | 24.76 | 27.32 | 18.38 | 12.03 | 7.51 |
| Interest Income / Employee (Rs.) | 0.00 | 3738976.77 | 3517141.12 | 3168767.04 | 2783321.99 |
| Net Profit / Employee (Rs.) | 0.00 | 517676.99 | 380590.02 | 252688.97 | 154204.74 |
| Business / Employee (Rs.) | 0.00 | 66312549.78 | 64970553.53 | 55439628.25 | 47113801.94 |
| Interest Income / Branch (Rs.) | 0.00 | 39765117.65 | 35914161.49 | 32369556.96 | 30542320.00 |
| Net Profit / Branches (Rs.) | 0.00 | 5505647.06 | 3886273.29 | 2581265.82 | 1692140.00 |
| Business / Branches (Rs.) | 0.00 | 705253470.59 | 663426024.84 | 566326329.11 | 516995453.33 |
| Net Profit Margin (%) | 14.04 | 13.84 | 10.82 | 7.97 | 5.54 |
| Operating Profit Margin (%) | 5.47 | 6.52 | 1.44 | -0.98 | -3.83 |
| Return On Assets (%) | 1.19 | 1.17 | 0.87 | 0.64 | 0.47 |
| Return On Equity / Networth (%) | 9.31 | 15.32 | 12.13 | 9.04 | 6.23 |
| Net Interest Margin (X) | 3.71 | 4.02 | 3.56 | 3.11 | 3.23 |
| Cost To Income (%) | 34.98 | 59.96 | 63.41 | 70.75 | 75.76 |
| Interest Income / Total Assets (%) | 8.54 | 8.45 | 8.08 | 8.02 | 8.59 |
| Non-Interest Income / Total Assets (%) | 0.73 | 0.61 | 0.75 | 0.71 | 0.80 |
| Operating Profit / Total Assets (%) | 0.46 | 0.55 | 0.11 | -0.07 | -0.32 |
| Operating Expenses / Total Assets (%) | 2.77 | 2.78 | 2.74 | 2.71 | 3.06 |
| Interest Expenses / Total Assets (%) | 4.83 | 4.43 | 4.51 | 4.91 | 5.35 |
| Enterprise Value (Rs.Cr.) | 8954.26 | 0.00 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 11.27 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 1.31 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 1.98 | 0.00 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 100.00 | 96.34 | 95.65 | 100.00 | 97.62 |
| Earnings Yield (X) | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 |
Profitability Ratios (%)
Liquidity Ratios
Liquidity Ratios (%)
Interest Coverage Ratios (%)
Valuation Ratios
Error: Data is incomplete for fair value calculation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Capital Small Finance Bank Ltd:
- Net Profit Margin: 14.04%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 20.49%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 54.1%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 12.1 (Industry average Stock P/E: 66.87)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:
About the Company - Qualitative Analysis
Finance - Banks - Private Sector
| Management |
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| Name | Position Held |
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| Mr. Sarvjit Singh Samra | Managing Director & CEO |
| Mr. Munish Jain | Executive Director |
| Mr. Srinath Srinivasan | Director |
| Mr. Mahesh Parasuraman | Director |
| Mr. Dinesh Gupta | Director |
| Mr. Gurpreet Singh Chug | Director |
| Mr. Sham Singh Bains | Director |
| Mr. Nageswara Rao Yalamanchili | Director |
| Mr. Balbir Singh | Director |
| Ms. Rachna Dikshit | Director |
| Mr. Kamaldeep Singh Sangha | Director |
| Mr. Sukhen Pal Babuta | Director |
FAQ
What is the latest fair value of Capital Small Finance Bank Ltd?
The latest fair value of Capital Small Finance Bank Ltd is ₹35.82.
What is the Market Cap of Capital Small Finance Bank Ltd?
The Market Cap of Capital Small Finance Bank Ltd is 1,347 Cr..
What is the current Stock Price of Capital Small Finance Bank Ltd as on 07 September 2024?
The current stock price of Capital Small Finance Bank Ltd as on 07 September 2024 is 299.
What is the High / Low of Capital Small Finance Bank Ltd stocks in FY 2024?
In FY 2024, the High / Low of Capital Small Finance Bank Ltd stocks is 469/290.
What is the Stock P/E of Capital Small Finance Bank Ltd?
The Stock P/E of Capital Small Finance Bank Ltd is 12.1.
What is the Book Value of Capital Small Finance Bank Ltd?
The Book Value of Capital Small Finance Bank Ltd is .
What is the Dividend Yield of Capital Small Finance Bank Ltd?
The Dividend Yield of Capital Small Finance Bank Ltd is 0.40 %.
What is the ROCE of Capital Small Finance Bank Ltd?
The ROCE of Capital Small Finance Bank Ltd is 7.57 %.
What is the ROE of Capital Small Finance Bank Ltd?
The ROE of Capital Small Finance Bank Ltd is 18.3 %.
What is the Face Value of Capital Small Finance Bank Ltd?
The Face Value of Capital Small Finance Bank Ltd is 10.0.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a
SEBI registered financial advisor and does not have any vested interest in Capital Small Finance Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source:
NSE 
