Share Price and Basic Stock Data
Last Updated: March 11, 2025, 11:37 pm
PEG Ratio | 1.56 |
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Competitors of Capital Small Finance Bank Ltd
Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
---|---|---|---|---|---|---|---|---|---|
Capital Small Finance Bank Ltd | 1,188 Cr. | 263 | 407/253 | 9.46 | 288 | 0.46 % | 39.8 % | 12.3 % | 10.0 |
Industry Average | 1,188.00 Cr | 263.00 | 9.46 | 288.00 | 0.46% | 39.80% | 12.30% | 10.00 |
Quarterly Result
Metric | Mar 2021 | Mar 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 132 | 153 | 177 | 179 | 189 | 197 | 204 | 204 | 218 | 224 | 235 |
Interest | 79 | 82 | 90 | 94 | 102 | 113 | 117 | 117 | 119 | 123 | 128 |
Expenses | 50 | 60 | 61 | 68 | 60 | 68 | 67 | 70 | 76 | 82 | 80 |
Financing Profit | 3 | 11 | 25 | 16 | 27 | 16 | 20 | 17 | 24 | 19 | 27 |
Financing Margin % | 2% | 7% | 14% | 9% | 14% | 8% | 10% | 8% | 11% | 8% | 12% |
Other Income | 15 | 16 | 12 | 15 | 13 | 16 | 18 | 21 | 17 | 26 | 18 |
Depreciation | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
Profit before tax | 18 | 27 | 37 | 32 | 40 | 32 | 38 | 38 | 40 | 44 | 46 |
Tax % | 24% | 30% | 24% | 24% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
Net Profit | 14 | 19 | 28 | 24 | 30 | 24 | 29 | 28 | 30 | 33 | 34 |
EPS in Rs | 8.17 | 6.26 | 6.66 | 7.40 | 7.53 | ||||||
Gross NPA % | 2.08% | 2.50% | 2.96% | 2.77% | 2.81% | 2.73% | 2.97% | 2.76% | 2.69% | 2.61% | 2.67% |
Net NPA % | 1.13% | 1.36% | 1.60% | 1.36% | 1.37% | 1.36% | 1.53% | 1.40% | 1.35% | 1.29% | 1.35% |
Last Updated: March 4, 2025, 12:52 pm
Below is a detailed analysis of the quarterly data for Capital Small Finance Bank Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:
- For Interest, as of Dec 2024, the value is ₹128.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 123.00 Cr. (Sep 2024) to ₹128.00 Cr., marking an increase of ₹5.00 Cr..
- For Expenses, as of Dec 2024, the value is ₹80.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 82.00 Cr. (Sep 2024) to ₹80.00 Cr., marking a decrease of 2.00 Cr..
- For Other Income, as of Dec 2024, the value is ₹18.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Sep 2024) to ₹18.00 Cr., marking a decrease of 8.00 Cr..
- For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2024, the value is ₹46.00 Cr.. The value appears strong and on an upward trend. It has increased from 44.00 Cr. (Sep 2024) to ₹46.00 Cr., marking an increase of ₹2.00 Cr..
- For Tax %, as of Dec 2024, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 25.00%.
- For Net Profit, as of Dec 2024, the value is ₹34.00 Cr.. The value appears strong and on an upward trend. It has increased from 33.00 Cr. (Sep 2024) to ₹34.00 Cr., marking an increase of ₹1.00 Cr..
- For EPS in Rs, as of Dec 2024, the value is 7.53. The value appears strong and on an upward trend. It has increased from ₹7.40 (Sep 2024) to 7.53, marking an increase of ₹0.13.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: March 6, 2025, 1:41 pm
Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
---|---|---|---|---|---|---|---|
Revenue | 346 | 458 | 511 | 578 | 676 | 794 | 881 |
Interest | 211 | 286 | 313 | 323 | 354 | 449 | 487 |
Expenses | 128 | 166 | 174 | 209 | 227 | 248 | 307 |
Financing Profit | 7 | 7 | 24 | 46 | 95 | 97 | 87 |
Financing Margin % | 2% | 2% | 5% | 8% | 14% | 12% | 10% |
Other Income | 31 | 43 | 46 | 54 | 49 | 68 | 81 |
Depreciation | 12 | 15 | 16 | 16 | 21 | 17 | 0 |
Profit before tax | 27 | 35 | 54 | 84 | 124 | 148 | 168 |
Tax % | 28% | 27% | 24% | 26% | 25% | 25% | |
Net Profit | 19 | 25 | 41 | 63 | 94 | 112 | 126 |
EPS in Rs | 24.76 | 27.85 | |||||
Dividend Payout % | 3% | 0% | 7% | 5% | 4% | 5% |
YoY Net Profit Growth
Year | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 |
---|---|---|---|---|---|
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% |
Capital Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 5 years from 2019-2020 to 2023-2024.
No data available for the compounded sales growth chart.
Balance Sheet
Last Updated: October 15, 2024, 2:06 pm
Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|
Equity Capital | 28 | 34 | 34 | 34 | 34 | 45 |
Reserves | 222 | 373 | 417 | 482 | 576 | 1,152 |
Borrowings | 4,026 | 4,868 | 5,838 | 6,545 | 7,282 | 7,950 |
Other Liabilities | 45 | 56 | 83 | 93 | 98 | 148 |
Total Liabilities | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 |
Fixed Assets | 84 | 91 | 87 | 84 | 83 | 84 |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 863 | 1,052 | 1,212 | 1,357 | 1,489 | 1,706 |
Other Assets | 3,375 | 4,187 | 5,072 | 5,713 | 6,420 | 7,506 |
Total Assets | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 |
Below is a detailed analysis of the balance sheet data for Capital Small Finance Bank Ltd based on the most recent figures (Mar 2024) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2024, the value is ₹45.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹34.00 Cr. (Mar 2023) to ₹45.00 Cr., marking an increase of 11.00 Cr..
- For Reserves, as of Mar 2024, the value is ₹1,152.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹576.00 Cr. (Mar 2023) to ₹1,152.00 Cr., marking an increase of 576.00 Cr..
- For Borrowings, as of Mar 2024, the value is ₹7,950.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹7,282.00 Cr. (Mar 2023) to ₹7,950.00 Cr., marking an increase of 668.00 Cr..
- For Other Liabilities, as of Mar 2024, the value is ₹148.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹98.00 Cr. (Mar 2023) to ₹148.00 Cr., marking an increase of 50.00 Cr..
- For Total Liabilities, as of Mar 2024, the value is ₹9,295.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹7,991.00 Cr. (Mar 2023) to ₹9,295.00 Cr., marking an increase of 1,304.00 Cr..
- For Fixed Assets, as of Mar 2024, the value is ₹84.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹83.00 Cr. (Mar 2023) to ₹84.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Mar 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded ₹0.00 Cr..
- For Investments, as of Mar 2024, the value is ₹1,706.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1,489.00 Cr. (Mar 2023) to ₹1,706.00 Cr., marking an increase of 217.00 Cr..
- For Other Assets, as of Mar 2024, the value is ₹7,506.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹6,420.00 Cr. (Mar 2023) to ₹7,506.00 Cr., marking an increase of 1,086.00 Cr..
- For Total Assets, as of Mar 2024, the value is ₹9,295.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹7,991.00 Cr. (Mar 2023) to ₹9,295.00 Cr., marking an increase of 1,304.00 Cr..
However, the Borrowings (7,950.00 Cr.) are higher than the Reserves (₹1,152.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|
Free Cash Flow
Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|
Free Cash Flow | 124.00 | 162.00 | 169.00 | 203.00 | 220.00 | 241.00 |
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.
Financial Efficiency Indicators
Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|
ROE % | 8% | 10% | 13% | 17% | 12% |
Mutual Fund Holdings
Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
---|---|---|---|---|---|---|
Nippon India Small Cap Fund | 1,566,472 | 0.13 | 60.04 | 259,840 | 2025-03-10 | 502.86% |
WhiteOak Capital Flexi Cap Fund | 259,840 | 0.32 | 9.96 | 259,840 | 2025-03-10 | 0% |
360 ONE FlexiCap Fund | 213,664 | 2.05 | 8.19 | 259,840 | 2025-03-10 | -17.77% |
WhiteOak Capital Mid Cap Fund | 135,744 | 0.32 | 5.2 | 259,840 | 2025-03-10 | -47.76% |
360 ONE Balanced Hybrid Fund | 130,798 | 0.74 | 4.44 | 259,840 | 2025-03-10 | -49.66% |
WhiteOak Capital Banking & Financial Services Fund | 72,837 | 2.3 | 2.79 | 259,840 | 2025-03-10 | -71.97% |
WhiteOak Capital Multi Cap Fund | 61,888 | 0.31 | 2.37 | 259,840 | 2025-03-10 | -76.18% |
WhiteOak Capital Balanced Advantage Fund | 58,603 | 0.26 | 2.25 | 259,840 | 2025-03-10 | -77.45% |
Whiteoak Capital Large & Mid Cap Fund | 17,278 | 0.07 | 0.66 | 259,840 | 2025-03-10 | -93.35% |
WhiteOak Capital ELSS Tax Saver Fund | 12,608 | 0.3 | 0.48 | 259,840 | 2025-03-10 | -95.15% |
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.) | 28.51 | 33.36 | 23.11 | 16.89 | 12.04 |
Book Value[Excl.RevalReserv]/Share (Rs.) | 265.84 | 178.27 | 151.50 | 132.94 | 120.32 |
Book Value[Incl.RevalReserv]/Share (Rs.) | 265.84 | 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.) | 176.35 | 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.) | 4234144.46 | 3738976.77 | 3517141.12 | 3168767.04 | 2783321.99 |
Net Profit / Employee (Rs.) | 594484.54 | 517676.99 | 380590.02 | 252688.97 | 154204.74 |
Business / Employee (Rs.) | 72241103.94 | 66312549.78 | 64970553.53 | 55439628.25 | 47113801.94 |
Interest Income / Branch (Rs.) | 44877146.89 | 39765117.65 | 35914161.49 | 32369556.96 | 30542320.00 |
Net Profit / Branches (Rs.) | 6300864.41 | 5505647.06 | 3886273.29 | 2581265.82 | 1692140.00 |
Business / Branches (Rs.) | 765674073.45 | 705253470.59 | 663426024.84 | 566326329.11 | 516995453.33 |
Net Profit Margin (%) | 14.04 | 13.84 | 10.82 | 7.97 | 5.54 |
Operating Profit Margin (%) | 5.46 | 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 (%) | 62.51 | 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.) | 8954.34 | 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 (%) | 96.19 | 96.34 | 95.65 | 100.00 | 97.62 |
Earnings Yield (X) | 0.07 | 0.00 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for Capital Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 24, the value is 30.65. This value is within the healthy range. It has increased from 27.35 (Mar 23) to 30.65, marking an increase of 3.30.
- For Diluted EPS (Rs.), as of Mar 24, the value is 30.45. This value is within the healthy range. It has increased from 27.21 (Mar 23) to 30.45, marking an increase of 3.24.
- For Cash EPS (Rs.), as of Mar 24, the value is 28.51. This value is within the healthy range. It has decreased from 33.36 (Mar 23) to 28.51, marking a decrease of 4.85.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 265.84. It has increased from 178.27 (Mar 23) to 265.84, marking an increase of 87.57.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 265.84. It has increased from 178.27 (Mar 23) to 265.84, marking an increase of 87.57.
- For Dividend / Share (Rs.), as of Mar 24, the value is 1.20. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.20.
- For Net Profit / Share (Rs.), as of Mar 24, the value is 24.76. This value is within the healthy range. It has decreased from 27.32 (Mar 23) to 24.76, marking a decrease of 2.56.
- For Net Profit Margin (%), as of Mar 24, the value is 14.04. This value exceeds the healthy maximum of 10. It has increased from 13.84 (Mar 23) to 14.04, marking an increase of 0.20.
- For Return On Assets (%), as of Mar 24, the value is 1.19. This value is below the healthy minimum of 5. It has increased from 1.17 (Mar 23) to 1.19, marking an increase of 0.02.
- For Retention Ratios (%), as of Mar 24, the value is 96.19. This value exceeds the healthy maximum of 70. It has decreased from 96.34 (Mar 23) to 96.19, marking a decrease of 0.15.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
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: 39.8%)
- 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: 12.3%)
- 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: 9.46 (Industry average Stock P/E: 9.46)
- 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.
Stock Rating: - Net Profit Margin: 14.04%
About the Company - Qualitative Analysis
INDUSTRY | ADDRESS | CONTACT |
---|---|---|
Finance - Banks - Private Sector | MIDAS Corporate Park, 3rd Floor, 37, G.T. Road, Jalandhar Punjab 144001 | cs@capitalbank.co.in http://www.capitalbank.co.in |
Management | |
---|---|
Name | Position Held |
Mr. Navin Kumar Maini | Part Time Chairman & Independent Director |
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 intrinsic value of Capital Small Finance Bank Ltd?
The latest intrinsic value of Capital Small Finance Bank Ltd as on 12 March 2025 is ₹269.32, which is 2.40% higher than the current market price of 263.00, indicating the stock is undervalued by 2.40%. The intrinsic value of Capital Small Finance Bank Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹1,188 Cr. and recorded a high/low of ₹407/253 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹1,152 Cr and total liabilities of ₹9,295 Cr.
What is the Market Cap of Capital Small Finance Bank Ltd?
The Market Cap of Capital Small Finance Bank Ltd is 1,188 Cr..
What is the current Stock Price of Capital Small Finance Bank Ltd as on 12 March 2025?
The current stock price of Capital Small Finance Bank Ltd as on 12 March 2025 is ₹263.
What is the High / Low of Capital Small Finance Bank Ltd stocks in FY 2024-2025?
In FY 2024-2025, the High / Low of Capital Small Finance Bank Ltd stocks is ₹407/253.
What is the Stock P/E of Capital Small Finance Bank Ltd?
The Stock P/E of Capital Small Finance Bank Ltd is 9.46.
What is the Book Value of Capital Small Finance Bank Ltd?
The Book Value of Capital Small Finance Bank Ltd is 288.
What is the Dividend Yield of Capital Small Finance Bank Ltd?
The Dividend Yield of Capital Small Finance Bank Ltd is 0.46 %.
What is the ROCE of Capital Small Finance Bank Ltd?
The ROCE of Capital Small Finance Bank Ltd is 39.8 %.
What is the ROE of Capital Small Finance Bank Ltd?
The ROE of Capital Small Finance Bank Ltd is 12.3 %.
What is the Face Value of Capital Small Finance Bank Ltd?
The Face Value of Capital Small Finance Bank Ltd is 10.0.