Capital Small Fin.
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Capital Small Fin. share price

Capital Small Finance Bank Ltd.

NSE: CAPITALSFB BSE: 544120 SECTOR: Bank - Private  16k   32   9

272.30
-4.55 (-1.64%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 277.45

Today's Low

₹ 270.1

52 Week High

₹ 469

52 Week Low

₹ 270.1

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

₹ 1232.07 Cr.

CASA %

38.3

No. of Shares

4.52 Cr.

P/E

10.22

P/B

0.97

Face Value

₹ 10

Div. Yield

0.44 %

Book Value (TTM)

₹  279.76

Net Interest Income

₹ 345.15 Cr.

Cost To Income %

62.51

Promoter Holding

18.84 %

EPS (TTM)

₹  26.63

CAR %

27.39

ROE

12.34 %

ROCE

13.19%

Profit Growth

19.16 %

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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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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 Year12.34%
3 Year13.97%
5 Year11.83%

ROA%

1 Year1.29%
3 Year1.15%
5 Year0.93%

Net NPA%

1 Year1.4%
3 Year1.37%
5 Year1.3%

 NIM

1 Year3.79%
3 Year3.85%
5 Year3.62%

CAR %

27.39

Cost of Liabilities %

5.65

PEG Ratio

NA

Advances Growth %

11.8998

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 18.84 0.00
Jun 2024 18.85 0.00
Mar 2024 18.85 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.967363870321%.
  • The company has been consistently maintaining a NIM of 3.85413531772368% since last 3 years.
  • CASA stands at 38.297% of total deposits.
  • Good Capital Adequacy Ratio of 27.39%.
  • The company has delivered good Profit growth of 39.8388554422228% over the past 3 years.

 Limitations

  • Low other Income proportion of 8.5707433539525%.
  • High Cost to income ratio of 62.5149%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 204.15 204.2 218.48 223.59
Other Income 18.3 20.54 16.59 25.7
Interest Expended 116.71 117.46 119.38 122.67
Operating Expenses 65.67 67.83 73.14 78.38
Total Provisions 1.62 1.82 2.38 3.91
Profit Before Tax 38.45 37.63 40.17 44.33
Tax 9.52 9.42 10.15 10.99
Net Profit 28.93 28.21 30.02 33.34
Net NPA % 1.53 1.4 1.35 1.29
Gross NPA % 2.97 2.76 2.69 2.61
Return on Assets % 33 0.31 0.32 0.35
NPM % 14.17 13.81 13.74 14.91

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 458.13 511.44 578.22 676.01 794.33
Other Income 42.96 45.83 54.19 49.47 68.08
Interest Expended 285.51 312.83 322.94 354.02 449.18
Operating Expenses 163.33 172.96 196.25 222.75 258.33
Total Provisions 17.66 17.75 28.73 24.55 6.68
Profit Before Tax 34.58 53.74 84.49 124.16 148.22
Taxes 9.2 12.95 21.92 30.56 36.69
Net Profit 25.38 40.78 62.57 93.6 111.53
Adjusted EPS (Rs.) 7.51 12.03 18.38 27.33 24.76

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 33.81 33.91 34.04 34.25 45.04
Total Reserves 372.97 416.88 481.74 576.36 1152.38
Deposits 4446.62 5221.07 6046.36 6560.62 7477.74
Borrowings 420.92 616.72 498.43 721.38 472.25
Other Liabilities 55.55 82.66 93.35 98.16 147.87
Total Liabilities 5329.88 6371.24 7153.92 7990.77 9295.28
Assets
Balance with RBI 221.23 721.72 364 462.65 568.98
Balance with Banks 594.52 568.7 655.06 418.21 752.18
Investments 1051.87 1212.25 1357.06 1488.58 1705.71
Advances 3308.31 3726.89 4634.8 5428.69 6074.69
Net Block 90.62 86.55 83.59 82.59 83.73
Other Assets 63.32 55.12 59.42 110.05 109.99
Total Assets 5329.88 6371.24 7153.92 7990.77 9295.28
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024%
promoters 18.85 18.85 18.84
amarjit singh samra 3.64 3.64 3.64
amarpreet kaur 0.10 0.10 0.10
deepali gupta 0.01 0.01 0.01
dinesh gupta 0.66 0.66 0.66
dinesh gupta huf 0.07 0.07 0.07
minni gupta 0.01 0.01 0.01
navneet kaur samra 1.96 1.96 1.96
sarvjit singh samra 9.27 9.27 9.26
shahbaz singh samra 1.06 1.06 1.06
surinder kaur samra 2.08 2.08 2.08
PARTICULARS Mar 2024% Jun 2024% Sep 2024%
investors 81.15 81.15 81.16
360 one flexicap fund - 1.12 1.56
amicus capital private eq... 3.02 3.02 3.02
balbir singh 1.49 1.49 1.49
edelweiss life insurance ... - - 3.43
hdfc life insurance compa... 3.43 3.42 3.42
icici prudential life ins... - - 3.69
investor education and pr... - - 0.08
max life insurance compan... - - 2.36
nippon life india trustee... 4.05 4.05 3.32
oman india joint investme... 5.57 5.57 5.57
pi ventures llp - - 3.74
small industries developm... 3.00 3.00 2.99
edelweiss tokio life insu... 3.06 3.21 -
icici prudential life ins... 3.70 3.70 -
investor education and pr... 0.07 0.07 -
llp 3.81 3.84 -
max life insurance co lt... 2.35 2.35 -
rashpal singh 1.38 1.38 -
santokh singh chhokar 3.91 3.91 -
whiteoak capital flexi ca... 1.36 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Capital Small Finance Bank informs about outcome of committee meeting 13 Dec, 5:14 PM Capital Small Fin. - Quaterly Results 24 Oct, 6:08 PM Capital Small Fin. - Quaterly Results 24 Oct, 6:08 PM Capital Small Finance Bank informs about issuance of letter of confirmation 21 Sep, 2:13 PM Capital Small Finance Bank informs about trading window closure 21 Sep, 12:21 PM Capital Small Finance Bank informs about allotment of equity shares 11 Sep, 12:16 PM Capital Small Finance Bank informs about newspaper advertisement 1 Aug, 3:27 PM Capital Small Finance Bank informs about newspaper publication 31 Jul, 5:25 PM Capital Small Fin. - Quaterly Results 30 Jul, 6:16 PM Capital Small Fin. - Quaterly Results 30 Jul, 6:16 PM Capital Small Fin. - Quaterly Results 30 Jul, 6:16 PM Capital Small Finance Bank informs about updates 4 Jul, 11:38 AM Capital Small Finance Bank informs about analyst meet outcome 10 May, 4:39 PM Capital Small Fin. - Quaterly Results 9 May, 3:07 PM Capital Small Fin. - Quaterly Results 9 May, 3:07 PM Capital Small Fin. - Quaterly Results 9 May, 3:07 PM Capital Small Finance Bank informs about analyst meet 19 Mar, 4:08 PM Capital Small Fin. - Quaterly Results 27 Feb, 7:31 PM Capital Small Fin. - Quaterly Results 27 Feb, 7:31 PM Capital Small Finance Bank coming with IPO to raise upto Rs 546 crore 5 Feb, 3:49 PM Capital Small Finance Bank files DRHP with SEBI 5 Oct, 12:01 PM Capital Small Finance Bank files DRHP with SEBI to raise funds via IPO 1 Nov, 3:38 PM Capital Small Finance Bank informs about certificate from debenture trustee 4 Nov, 10:37 AM Capital Small Finance bank informs about PCS certificate 20 Oct, 3:35 PM

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.

Capital Small Fin. stock price today is Rs 272.3. 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 794.3255 Cr. revenue in the latest financial year. Capital Small Fin. has posted outstanding revenue growth of 15.8068503735194 % in last 3 Years.

  • In terms of advances, Capital Small Fin. reported 11.8998 % YOY,  rise . If you see 3 years advance growth, it stands at 17.6863386121166 %.

  • Currently, Capital Small Fin. has a CASA ratio of 38.297 %. It’s overall cost of liability stands at 5.65 %. Also, the total deposits of Capital Small Fin. from these accounts stood at Rs 7477.7391 Cr.

  • Capital Small Fin. has a healthy ROA track record. The ROA of Capital Small Fin. is at 1.2904 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.76 % and 1.4 % 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 -72.7740074790416 % 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. surged and is currently at Rs 68.0796 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 0.9744 . The historical average PB of Capital Small Fin. was 0.26278.

  • Share Price: - The current share price of Capital Small Fin. is Rs 272.3. One can use valuation calculators of ticker to know if Capital Small Fin. share price is undervalued or overvalued.

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Brief about Capital Small Fin.
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