Capital Small Fin.
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Capital Small Fin. share price

Capital Small Finance Bank Ltd.

NSE: CAPITALSFB BSE: 544120 SECTOR: Bank - Private  4831   7   2

374.90
0 0
BSE: 03 May 04:01 PM

Price Summary

Today's High

₹ 378.75

Today's Low

₹ 350.6

52 Week High

₹ 468.95

52 Week Low

₹ 319.75

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1688.64 Cr.

CASA %

41.88

No. of Shares

4.5 Cr.

P/E

18.04

P/B

1.39

Face Value

₹ 10

Div. Yield

0.32 %

Book Value (TTM)

₹  268.93

Net Interest Income

₹ 321.98 Cr.

Cost To Income %

59.97

Promoter Holding

18.85 %

EPS (TTM)

₹  20.78

CAR %

18.87

ROE

16.62 %

ROCE

14.21%

Profit Growth

49.59 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 1 Indices.

BSEIPO

S&P Bse IPO
14253.08
  -54.3600000000006 (-0.379942183926685%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year16.62%
3 Year13.03%
5 Year10.97%

ROA%

1 Year1.24%
3 Year0.95%
5 Year0.78%

Net NPA%

1 Year1.36%
3 Year1.28%
5 Year1.21%

 NIM

1 Year4.13%
3 Year3.65%
5 Year3.51%

CAR %

18.87

Cost of Liabilities %

4.8616242958927

PEG Ratio

0.37

Advances Growth %

17.1288577716406

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 18.85 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.025627726917%.
  • The company has been consistently maintaining a NIM of 3.65279833236532% since last 3 years.
  • CASA stands at 41.8846953090357% of total deposits.
  • Good Capital Adequacy Ratio of 18.87%.
  • The company has delivered good Profit growth of 54.4935035217775% over the past 3 years.

 Limitations

  • Low other Income proportion of 7.3186761981191%.
  • High Cost to income ratio of 59.9673287951874%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023
Interest Earned 204.15
Other Income 18.3
Interest Expended 116.71
Operating Expenses 65.67
Total Provisions 1.62
Profit Before Tax 38.45
Tax 9.52
Net Profit 28.93
Net NPA % 1.53
Gross NPA % 2.97
Return on Assets % 33
NPM % 14.17

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 346.29 458.13 511.44 578.22 676.01
Other Income 31.31 42.96 45.83 54.19 49.47
Interest Expended 211.15 285.51 312.83 322.94 354.02
Operating Expenses 132.17 163.33 172.96 196.25 222.75
Total Provisions 7.35 17.66 17.75 28.73 24.55
Profit Before Tax 26.92 34.58 53.74 84.49 124.16
Taxes 7.51 9.2 12.95 21.92 30.56
Net Profit 19.41 25.38 40.78 62.57 93.6
Adjusted EPS (Rs.) 6.82 7.51 12.03 18.38 27.33

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 28.48 33.81 33.91 34.04 34.25
Total Reserves 221.84 372.97 416.88 481.74 576.36
Deposits 3667.26 4446.62 5221.07 6046.36 6560.62
Borrowings 358.38 420.92 616.72 498.43 721.38
Other Liabilities 45.24 55.55 82.66 93.35 98.16
Total Liabilities 4321.2 5329.88 6371.24 7153.92 7990.77
Assets
Balance with RBI 214.86 221.23 721.72 364 462.65
Balance with Banks 496.76 594.52 568.7 655.06 418.21
Investments 861.85 1051.87 1212.25 1357.06 1488.58
Advances 2599.05 3308.31 3726.89 4634.8 5428.69
Net Block 83.52 90.62 86.55 83.59 82.59
Other Assets 65.16 63.32 55.12 59.42 110.05
Total Assets 4321.2 5329.88 6371.24 7153.92 7990.77
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024%
promoters 18.85
amarjit singh samra 3.64
amarpreet kaur 0.10
deepali gupta 0.01
dinesh gupta 0.66
dinesh gupta huf 0.07
minni gupta 0.01
navneet kaur samra 1.96
sarvjit singh samra 9.27
shahbaz singh samra 1.06
surinder kaur samra 2.08
PARTICULARS Mar 2024%
investors 81.15
amicus capital private eq... 3.02
balbir singh 1.49
edelweiss tokio life insu... 3.06
hdfc life insurance compa... 3.43
icici prudential life ins... 3.70
investor education and pr... 0.07
llp 3.81
max life insurance co lt... 2.35
nippon life india trustee... 4.05
oman india joint investme... 5.57
rashpal singh 1.38
santokh singh chhokar 3.91
small industries developm... 3.00
whiteoak capital flexi ca... 1.36

Annual Reports

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Ratings & Research Reports

Company Presentations

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Capital Small Fin. Stock Price Analysis and Quick Research Report. Is Capital Small Fin. an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Capital Small Fin. is performing and if it is the right time to buy the stock of Capital Small Fin. with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Capital Small Fin. has earned Rs 676.0075 Cr. revenue in the latest financial year. Capital Small Fin. has posted decent revenue growth of 13.84628083666 % in last 3 Years.

  • In terms of advances, Capital Small Fin. reported 17.1288577716406 % YOY,  rise . If you see 3 years advance growth, it stands at 17.9495536863078 %.

  • Currently, Capital Small Fin. has a CASA ratio of 41.8846953090357 %. It’s overall cost of liability stands at 4.8616242958927 %. Also, the total deposits of Capital Small Fin. from these accounts stood at Rs 6560.6212 Cr.

  • Capital Small Fin. has a average ROA track record. The ROA of Capital Small Fin. is at 1.2360261553489 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.77 % and 1.36 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -14.5392515230635 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Capital Small Fin. decreased and is currently at Rs 49.4748 Cr.

  • Capital Small Fin. has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Capital Small Fin. is trading at a P/B of 1.394 . The historical average PB of Capital Small Fin. was 0.

  • Share Price: - The current share price of Capital Small Fin. is Rs 375.85. One can use valuation calculators of ticker to know if Capital Small Fin. share price is undervalued or overvalued.

Last Updated on:
Brief about Capital Small Fin.
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