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Consolidated Standalone

Capital Small Fin.

₹344 8.9 | 2.7%

Market Cap ₹1549 Cr.

Stock P/E 11.6

P/B 1.3

Current Price ₹344

Book Value ₹ 265.8

Face Value 10

52W High ₹469

Dividend Yield 0%

52W Low ₹ 319.8

Edit Ratio

Capital Small Fin. Research see more...

Overview Inc. Year: 1999Industry: Bank - Private

Capital Small Finance Bank Limited is a small finance bank headquartered in Hyderabad, Telangana. The bank was incorporated in 2015 and commenced operations in 2016. It is one of the 10 small finance banks that were granted a license by the Reserve Bank of India in 2015. The bank's clientele includes individuals, small businesses, and micro enterprises. It offers a range of financial products and services, including savings accounts, loans, and investment products. The bank's promoters are a group of experienced bankers and financial professionals. The management team is led by Mr. Shashidhar Kotha, the bank's Managing Director and CEO.

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Capital Small Fin. Share Price

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Quarterly Price

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Peer Comparison

Capital Small Fin. Quarterly Results

#(Fig in Cr.) Dec 2022 Mar 2023 Dec 2023 Mar 2024
Interest Earned 177 179 204 204
Other Income 12 15 18 21
Total Income 189 194 222 225
Interest Expense 90 94 117 117
Operating Expenditure 57 60 66 68
Provisions and contingencies 4 8 2 2
Operating Profit 37 32 38 38
Profit Before Tax 37 32 38 38
Provision for Tax 9 8 10 9
Profit After Tax 28 24 29 28
Adjustments 0 0 0 0
Profit After Adjustments 28 24 29 28
Adjusted Earnings Per Share 8.3 7.1 8.2 6.3

Capital Small Fin. Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 111 130 160 188 224 271 346 458 511 578 676 764
Other Income 9 10 12 14 20 23 31 43 46 54 49 66
Total Income 119 141 172 202 244 294 378 501 557 632 725 830
Interest Expense 71 84 106 125 150 166 211 286 313 323 354 418
Operating Expenditure 31 38 47 56 71 95 132 163 173 196 223 251
Provisions and contingencies 5 8 5 1 2 3 7 18 18 29 25 16
Operating Profit 13 11 14 20 22 30 27 35 54 84 124 145
Profit Before Tax 13 11 14 20 22 30 27 35 54 84 124 145
Provision for Tax 0 0 0 6 7 11 8 9 13 22 31 36
Profit After Tax 13 11 14 14 15 19 19 25 41 63 94 109
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 13 11 14 14 15 19 19 25 41 63 94 109
Adjusted Earnings Per Share 7.2 6.1 8.2 6 5.6 6.7 6.8 7.5 12 18.4 27.3 29.9

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 17% 14% 20% 20%
Operating Profit CAGR 48% 52% 33% 25%
PAT CAGR 49% 55% 38% 22%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR NA% NA% NA% NA%
ROE Average 17% 13% 11% 12%
ROCE Average 14% 12% 11% 12%

Capital Small Fin. Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 71 80 90 115 190 234 250 407 451 516 611
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 978 1264 1507 1814 2378 2851 3667 4447 5221 6046 6561
Borrowings 44 47 63 100 116 222 358 421 617 498 721
Other Liabilities & Provisions 47 16 21 23 36 46 45 56 83 93 98
Total Liabilities 1140 1407 1680 2053 2721 3352 4321 5330 6371 7154 7991
Cash and balance with RBI 41 49 56 68 152 154 215 221 722 364 463
Bank Balance 139 177 192 193 335 375 497 595 569 655 418
Investments 313 375 452 586 783 871 862 1052 1212 1357 1489
Advances 603 756 927 1145 1365 1847 2599 3308 3727 4635 5429
Fixed Assets 28 32 33 36 50 65 84 91 87 84 83
Other Assets 15 19 20 24 35 40 65 63 55 59 110
Total Assets 1140 1407 1680 2053 2721 3352 4321 5330 6371 7154 7991

Capital Small Fin. Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 30 46 61 79 79 173 182 293 382 741 398
Cash Flow from Operating Activities 25 18 3 -40 39 -40 8 -80 174 -211 -107
Cash Flow from Investing Activities -13 -8 -6 -9 -20 -23 -31 -22 -12 -13 -20
Cash Flow from Financing Activities 3 5 21 49 75 72 134 192 197 -120 222
Net Cash Inflow / Outflow 15 15 18 -0 94 9 111 90 359 -344 94
Closing Cash & Cash Equivalent 46 61 79 79 173 182 293 382 741 398 492

Capital Small Fin. Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 7.25 6.14 8.24 5.97 5.57 6.68 6.82 7.51 12.03 18.38 27.33
CEPS(Rs) 8.93 8.32 11.31 8.34 7.89 9.67 10.95 12.04 16.89 23.11 33.36
DPS(Rs) 1.6 1 1.6 1.6 0.8 0.8 0.2 0 0.8 1 1.2
Book NAV/Share(Rs) 41.29 46.21 51.85 49.89 70.48 82.01 87.89 120.32 132.94 151.5 178.27
Yield on Advances 18.38 17.27 17.31 16.42 16.38 14.67 13.32 13.85 13.72 12.48 12.45
Yield on Investments 8.23 8.11 7.85 7.58 8.02 7.84 7.84 7.47 7.68 6.56 6.59
Cost of Liabilities 6.95 6.42 6.74 6.55 6 5.42 5.25 5.87 5.36 4.93 4.86
NIM (Net Interest Margin) 3.63 3.41 3.36 3.15 2.81 3.22 3.24 3.34 3.19 3.64 4.13
Interest Spread 11.42 10.84 10.57 9.87 10.38 9.25 8.08 7.98 8.36 7.54 7.59
ROA(%) 1.19 0.83 0.92 0.74 0.63 0.63 0.51 0.53 0.7 0.93 1.24
ROE(%) 18.8 14.04 16.8 13.45 9.86 8.98 8.02 7.73 9.51 12.95 16.62
ROCE(%) 14.6 12.47 14.09 15.02 13.01 11.51 8.8 9.23 9.31 11.72 14.21
PER(x) 0 0 0 0 0 0 0 0 0 0 0
Price/Book(x) 0 0 0 0 0 0 0 0 0 0 0
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 0.54 0.48 0.5 0.66 0.64 0.93 1.12 0.99 1.27 0.92 1.12
EV/Core EBITDA(x) 3.46 3.34 4.18 5.8 6.17 7.67 11.29 8.7 9.1 4.7 5.08
Interest Earned Growth(%) 23.74 17.69 22.97 17.2 18.98 21.15 27.78 32.3 11.64 13.06 16.91
Net Profit Growth 17.7 -15.23 34.07 -3.38 9.47 26.46 2.07 30.74 60.68 53.42 49.59
Advances Growth 16.84 25.26 22.67 23.55 19.24 35.29 40.69 27.29 12.65 24.36 17.13
EPS Growth(%) 17.7 -15.23 34.07 -27.53 -6.62 19.83 2.07 10.14 60.19 52.81 48.68
Loans/Deposits(x) 4.49 3.7 4.2 5.53 4.89 7.8 9.77 9.47 11.81 8.24 11
Cash/Deposits(x) 0.04 0.04 0.04 0.04 0.06 0.05 0.06 0.05 0.14 0.06 0.07
Current Ratio(x) 0.32 0.3 0.3 0.32 0.33 0.31 0.24 0.24 0.23 0.22 0.23
Quick Ratio(x) 4.49 3.7 4.2 5.53 4.89 7.8 9.77 9.47 11.81 8.24 11
CASA % 39.56 37.94 35.72 35.16 39.54 39.99 38.39 36.31 40.08 42.16 41.88

Capital Small Fin. Shareholding Pattern

# Sep 2013 Mar 2015 Sep 2016 Mar 2017 Aug 2018 Sep 2019 Sep 2020 Mar 2024
Promoter 47.56 39.75 32.76 27.94 26.47 26.47 26.41 18.85
FII 0 0 0 0 0 0 0 1.38
DII 0 0 0 0 0 0 22.46 33.08
Public 52.44 60.25 67.24 72.06 73.53 73.53 51.13 46.69
Others 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 37% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend.
  • Promoter holding is low: 18.85%.
  • Company has a low return on equity of 13% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Capital Small Fin. News

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