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Last Updated on: 12 December, 2024
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 544120 | NSE: CAPITALSFB

Capital Small Finance Bank Ltd: Share Price Intrinsic Value and Fundamental Analysis

Share Price and Basic Stock Data

Last Updated: December 11, 2024, 9:43 pm

Market Cap 1,259 Cr.
Current Price 278
High / Low469/274
Stock P/E10.4
Book Value 266
Dividend Yield0.43 %
ROCE7.01 %
ROE12.3 %
Face Value 10.0
PEG Ratio0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Capital Small Finance Bank Ltd

Competitors of Capital Small Finance Bank Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Capital Small Finance Bank Ltd 1,259 Cr. 278469/27410.4 2660.43 %7.01 %12.3 % 10.0
Industry Average1,259.00 Cr278.0010.40266.000.43%7.01%12.30%10.00

All Competitor Stocks of Capital Small Finance Bank Ltd

Quarterly Result

MonthMar 2021Mar 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Revenue132153177179189197204204218224
Interest79829094102113117117119123
Expenses50606168606867707682
Financing Profit3112516271620172419
Financing Margin %2%7%14%9%14%8%10%8%11%8%
Other Income15161215131618211726
Depreciation0000000000
Profit before tax18273732403238384044
Tax %24%30%24%24%25%25%25%25%25%25%
Net Profit14192824302429283033
EPS in Rs8.176.266.667.40
Gross NPA %2.08%2.50%2.96%2.77%2.81%2.73%2.97%2.76%2.69%2.61%
Net NPA %1.13%1.36%1.60%1.36%1.37%1.36%1.53%1.40%1.35%1.29%

Last Updated: November 6, 2024, 7:05 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: October 23, 2024, 2:53 pm

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue346458511578676794824
Interest211286313323354449466
Expenses128166174209227248281
Financing Profit772446959777
Financing Margin %2%2%5%8%14%12%9%
Other Income31434654496871
Depreciation1215161621170
Profit before tax27355484124148148
Tax %28%27%24%26%25%25%
Net Profit1925416394112111
EPS in Rs24.76
Dividend Payout %3%0%7%5%4%5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2019-20202020-20212021-20222022-20232023-2024
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.

Growth

Compounded Sales Growth
10 Years:%
5 Years:18%
3 Years:16%
TTM:15%
Compounded Profit Growth
10 Years:%
5 Years:42%
3 Years:40%
TTM:13%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:%
Return on Equity
10 Years:%
5 Years:12%
3 Years:14%
Last Year:12%

Last Updated: Unknown

Balance Sheet

Last Updated: October 15, 2024, 2:06 pm

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity Capital283434343445
Reserves2223734174825761,152
Borrowings4,0264,8685,8386,5457,2827,950
Other Liabilities4556839398148
Total Liabilities4,3215,3306,3717,1547,9919,295
Fixed Assets849187848384
CWIP000000
Investments8631,0521,2121,3571,4891,706
Other Assets3,3754,1875,0725,7136,4207,506
Total Assets4,3215,3306,3717,1547,9919,295

Reserves and Borrowings Chart

Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +8-80174-21175113
Cash from Investing Activity +-31-22-12-13-202-162
Cash from Financing Activity +134192197-120222223
Net Cash Flow11190359-34494173

Free Cash Flow

MonthMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow124.00162.00169.00203.00220.00241.00

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 2023Mar 2024
ROE %8%10%13%17%12%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2024Jun 2024
Promoters18.85%18.85%
FIIs1.38%1.33%
DIIs33.09%32.58%
Public46.70%47.24%
No. of Shareholders89,96482,280

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Nippon India Small Cap Fund1,566,4720.1360.041,566,4722024-12-100%
WhiteOak Capital Flexi Cap Fund259,8400.329.961,566,4722024-12-10-83.41%
360 ONE FlexiCap Fund213,6642.058.191,566,4722024-12-10-86.36%
WhiteOak Capital Mid Cap Fund135,7440.325.21,566,4722024-12-10-91.33%
360 ONE Balanced Hybrid Fund130,7980.744.441,566,4722024-12-10-91.65%
WhiteOak Capital Banking & Financial Services Fund72,8372.32.791,566,4722024-12-10-95.35%
WhiteOak Capital Multi Cap Fund61,8880.312.371,566,4722024-12-10-96.05%
WhiteOak Capital Balanced Advantage Fund58,6030.262.251,566,4722024-12-10-96.26%
Whiteoak Capital Large & Mid Cap Fund17,2780.070.661,566,4722024-12-10-98.9%
WhiteOak Capital ELSS Tax Saver Fund12,6080.30.481,566,4722024-12-10-99.2%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
Face Value10.0010.0010.0010.0010.00
Basic EPS (Rs.)30.6527.3518.4112.048.18
Diluted EPS (Rs.)30.4527.2118.2211.988.16
Cash EPS (Rs.)28.5133.3623.1116.8912.04
Book Value[Excl.RevalReserv]/Share (Rs.)265.84178.27151.50132.94120.32
Book Value[Incl.RevalReserv]/Share (Rs.)265.84178.27151.50132.94120.32
Dividend / Share (Rs.)1.201.201.000.800.20
Operating Revenue / Share (Rs.)176.35197.36169.84150.82135.51
Net Profit / Share (Rs.)24.7627.3218.3812.037.51
Interest Income / Employee (Rs.)4234144.463738976.773517141.123168767.042783321.99
Net Profit / Employee (Rs.)594484.54517676.99380590.02252688.97154204.74
Business / Employee (Rs.)72241103.9466312549.7864970553.5355439628.2547113801.94
Interest Income / Branch (Rs.)44877146.8939765117.6535914161.4932369556.9630542320.00
Net Profit / Branches (Rs.)6300864.415505647.063886273.292581265.821692140.00
Business / Branches (Rs.)765674073.45705253470.59663426024.84566326329.11516995453.33
Net Profit Margin (%)14.0413.8410.827.975.54
Operating Profit Margin (%)5.466.521.44-0.98-3.83
Return On Assets (%)1.191.170.870.640.47
Return On Equity / Networth (%)9.3115.3212.139.046.23
Net Interest Margin (X)3.714.023.563.113.23
Cost To Income (%)62.5159.9663.4170.7575.76
Interest Income / Total Assets (%)8.548.458.088.028.59
Non-Interest Income / Total Assets (%)0.730.610.750.710.80
Operating Profit / Total Assets (%)0.460.550.11-0.07-0.32
Operating Expenses / Total Assets (%)2.772.782.742.713.06
Interest Expenses / Total Assets (%)4.834.434.514.915.35
Enterprise Value (Rs.Cr.)8954.340.000.000.000.00
EV Per Net Sales (X)11.270.000.000.000.00
Price To Book Value (X)1.310.000.000.000.00
Price To Sales (X)1.980.000.000.000.00
Retention Ratios (%)96.1996.3495.65100.0097.62
Earnings Yield (X)0.070.000.000.000.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Capital Small Finance Bank Ltd as of December 12, 2024 is: 341.73

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.

As of December 12, 2024, Capital Small Finance Bank Ltd is Undervalued by 22.92% compared to the current share price 278.00

Intrinsic Value of Capital Small Finance Bank Ltd as of December 12, 2024 is: 341.73

Calculation basis:

  • Intrinsic 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 intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of December 12, 2024, Capital Small Finance Bank Ltd is Undervalued by 22.92% compared to the current share price 278.00

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: 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.
    2. ROCE: 0% (Industry Average ROCE: 7.01%)
      • 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%: 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.
    4. 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.
    5. 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.
    6. Stock P/E: 10.4 (Industry average Stock P/E: 10.4)
      • 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: 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
INDUSTRYADDRESSCONTACT
MIDAS Corporate Park, 3rd Floor, 37, G.T. Road, Jalandhar Punjab 144001Mr.Navin%20Kumar%20Maini
Part%20Time%20Chairman%20&%20Independent%20Director
Management
NamePosition Held
Mr. Sarvjit Singh SamraManaging Director & CEO
Mr. Munish JainExecutive Director
Mr. Srinath SrinivasanDirector
Mr. Mahesh ParasuramanDirector
Mr. Dinesh GuptaDirector
Mr. Gurpreet Singh ChugDirector
Mr. Sham Singh BainsDirector
Mr. Nageswara Rao YalamanchiliDirector
Mr. Balbir SinghDirector
Ms. Rachna DikshitDirector
Mr. Kamaldeep Singh SanghaDirector
Mr. Sukhen Pal BabutaDirector

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 December 2024 is ₹341.73, which is 22.92% higher than the current market price of ₹278.00. The stock has a market capitalization of 1,259 Cr. and recorded a high/low of ₹469/274 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 1,259 Cr..

What is the current Stock Price of Capital Small Finance Bank Ltd as on 12 December 2024?

The current stock price of Capital Small Finance Bank Ltd as on 12 December 2024 is 278.

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 469/274.

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

The Stock P/E of Capital Small Finance Bank Ltd is 10.4.

What is the Book Value of Capital Small Finance Bank Ltd?

The Book Value of Capital Small Finance Bank Ltd is 266.

What is the Dividend Yield of Capital Small Finance Bank Ltd?

The Dividend Yield of Capital Small Finance Bank Ltd is 0.43 %.

What is the ROCE of Capital Small Finance Bank Ltd?

The ROCE of Capital Small Finance Bank Ltd is 7.01 %.

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.

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