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Last Updated on: 22 May, 2024|Author: Getaka | Social: X Twitter Profile
Stock Ticker - BSE: 544120 | NSE: CAPITALSFB

Fundamental Analysis of Capital Small Finance Bank Ltd

Basic Stock Data

Last Updated: May 22, 2024, 6:54 pm

Market Cap 1,531 Cr.
Current Price 340
High / Low469/320
Stock P/E13.7
Book Value
Dividend Yield0.00 %
ROCE7.57 %
ROE18.3 %
Face Value 10.0
PEG Ratio0.00

Data Source: screener.in

Competitors of Capital Small Finance Bank Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Industry Average0 Cr0000%0%0%0

Quarterly Result

MonthDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
Revenue177179189197204204
Interest9094102113117117
Expenses616860686770
Financing Profit251627162017
Financing Margin %14%9%14%8%10%8%
Other Income121513161821
Depreciation000000
Profit before tax373240323838
Tax %24%24%25%25%25%25%
Net Profit282430242928
EPS in Rs8.176.26
Gross NPA %2.96%2.77%2.81%2.73%2.97%2.76%
Net NPA %1.60%1.36%1.37%1.36%1.53%1.40%

Last Updated: May 10, 2024, 2:52 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: April 27, 2024, 1:30 am

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Revenue346458511578676
Interest211286313323354
Expenses128166174209227
Financing Profit77244695
Financing Margin %2%2%5%8%14%
Other Income3143465449
Depreciation1215161621
Profit before tax27355484124
Tax %28%27%24%26%25%
Net Profit1925416394
EPS in Rs
Dividend Payout %3%0%7%5%4%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2019-20202020-20212021-20222022-2023
YoY Net Profit Growth (%)31.58%64.00%53.66%49.21%
Change in YoY Net Profit Growth (%)0.00%32.42%-10.34%-4.45%

Growth

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%

Last Updated: May 2, 2024, 7:59 am

Balance Sheet

Last Updated: May 10, 2024, 2:52 pm

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Equity Capital2834343434
Reserves222373417482576
Borrowings4,0264,8685,8386,5457,282
Other Liabilities4556839398
Total Liabilities4,3215,3306,3717,1547,991
Fixed Assets8491878483
CWIP00000
Investments8631,0521,2121,3571,489
Other Assets3,3754,1875,0725,7136,420
Total Assets4,3215,3306,3717,1547,991

Reserves and Borrowings Chart

Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity 8-80174-211-107113
Cash from Investing Activity -31-22-12-13-20-162
Cash from Financing Activity 134192197-120222223
Net Cash Flow11190359-34494173

Free Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Free Cash Flow124.00162.00169.00203.00220.00

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

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

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthFeb 2024
Promoters18.85%
FIIs1.59%
DIIs30.48%
Public49.08%
No. of Shareholders1,26,764

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Nippon India Small Cap Fund1,566,4720.1360.04
WhiteOak Capital Flexi Cap Fund259,8400.329.96
360 ONE FlexiCap Fund213,6642.058.19
WhiteOak Capital Mid Cap Fund135,7440.325.2
360 ONE Balanced Hybrid Fund130,7980.744.44
WhiteOak Capital Banking & Financial Services Fund72,8372.32.79
WhiteOak Capital Multi Cap Fund61,8880.312.37
WhiteOak Capital Balanced Advantage Fund58,6030.262.25
Whiteoak Capital Large & Mid Cap Fund17,2780.070.66
WhiteOak Capital ELSS Tax Saver Fund12,6080.30.48

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)27.3518.4112.048.186.82
Diluted EPS (Rs.)27.2118.2211.988.166.82
Cash EPS (Rs.)33.3623.1116.8912.0410.95
Book Value[Excl.RevalReserv]/Share (Rs.)178.27151.50132.94120.3287.89
Book Value[Incl.RevalReserv]/Share (Rs.)178.27151.50132.94120.3287.89
Dividend / Share (Rs.)1.201.000.800.200.80
Operating Revenue / Share (Rs.)197.36169.84150.82135.51121.59
Net Profit / Share (Rs.)27.3218.3812.037.516.82
Interest Income / Employee (Rs.)3738976.773517141.123168767.042783321.992416547.80
Net Profit / Employee (Rs.)517676.99380590.02252688.97154204.74135478.72
Business / Employee (Rs.)66312549.7864970553.5355439628.2547113801.9443728564.55
Interest Income / Branch (Rs.)39765117.6535914161.4932369556.9630542320.0026844286.82
Net Profit / Branches (Rs.)5505647.063886273.292581265.821692140.001504968.99
Business / Branches (Rs.)705253470.59663426024.84566326329.11516995453.33485759945.74
Net Profit Margin (%)13.8410.827.975.545.60
Operating Profit Margin (%)6.521.44-0.98-3.83-3.43
Return On Assets (%)1.170.870.640.470.44
Return On Equity / Networth (%)15.3212.139.046.237.75
Net Interest Margin (X)4.023.563.113.233.12
Cost To Income (%)59.9663.4170.7575.7679.40
Interest Income / Total Assets (%)8.458.088.028.598.01
Non-Interest Income / Total Assets (%)0.610.750.710.800.72
Operating Profit / Total Assets (%)0.550.11-0.07-0.32-0.27
Operating Expenses / Total Assets (%)2.782.742.713.063.05
Interest Expenses / Total Assets (%)4.434.514.915.354.88
Retention Ratios (%)96.3495.65100.0097.6288.56

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value: ₹38.36

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

Overvalued: 88.72% compared to the current price ₹340

Default values used*: Deafault value of 15 for Book Value is used

Intrinsic Value: ₹38.36

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators along with EPS growth.

Overvalued: 88.72% compared to the current price ₹340

Default values used*: Deafault value of 15 for Book Value is used

Last 5 Year EPS CAGR: 0.00%

*Investments are subject to market risks

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:
    1. Net Profit Margin: 13.84%
      • 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.
    2. ROCE: N/A% (Industry Average ROCE: 0%)
      • 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.
    3. ✓ ROE%: N/A% (Industry Average ROE: 0%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): N/A
      • 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.
    5. Quick Ratio: N/A
      • 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.
    6. ✗ Stock P/E: 13.7 (Industry average Stock P/E: 0)
      • 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.
    7. ✗ Total Debt / Equity: N/A
      • 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

No data availabale for About the Company
INDUSTRYADDRESSCONTACT
Industry not foundAddress not foundContact not found
Management Data not Available

FAQ

What is the latest fair value of Capital Small Finance Bank Ltd?

The latest fair value of Capital Small Finance Bank Ltd is ₹38.36.

What is the Market Cap of Capital Small Finance Bank Ltd?

The Market Cap of Capital Small Finance Bank Ltd is 1,531 Cr..

What is the current Stock Price of Capital Small Finance Bank Ltd as on 22 May 2024?

The current stock price of Capital Small Finance Bank Ltd as on 22 May 2024 is ₹340.

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 ₹469/320.

What is the Stock P/E of Capital Small Finance Bank Ltd?

The Stock P/E of Capital Small Finance Bank Ltd is 13.7.

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 0.00 %.

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.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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