Capital Small Finance Bank, 544120, CAPITALSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,305.88
10.87
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

1,209.15
0.41%
1.04

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

40.68
-
21.47

EBITDA CAGR (%)

10 Years
5 Years
3 Years

22.87
34.46
21.25

PAT CAGR (%)

10 Years
5 Years
3 Years

1.24
1.24

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 223.59 197.07 13.46% 218.48 188.91 15.65% 204.20 178.61 14.33% 204.15 176.68 15.55%
Interest Exp. 122.67 112.63 8.91% 119.38 102.38 16.60% 117.46 94.25 24.63% 116.71 90.40 29.10%
Net Interest Income 100.92 84.44 19.52% 99.10 86.53 14.53% 86.74 84.36 2.82% 87.44 86.28 1.34%
NIM 0.00 0.00 0 4.20 4.10 2.44% 3.90 4.20 -7.14% 0.00 0.00 0
Other Income 25.70 15.86 62.04% 16.59 13.38 23.99% 20.54 15.49 32.60% 18.30 11.90 53.78%
Total Income 249.29 212.93 17.08% 235.07 202.29 16.20% 224.74 194.10 15.79% 222.45 188.58 17.96%
Operating Exp. 78.38 66.31 18.20% 73.14 58.52 24.98% 67.83 59.55 13.90% 65.67 57.02 15.17%
Operating Profit 48.24 33.99 41.92% 42.55 41.39 2.80% 39.45 40.30 -2.11% 40.07 41.16 -2.65%
Provision 3.91 1.75 123.43% 2.38 1.50 58.67% 1.82 8.33 -78.15% 1.62 3.87 -58.14%
PBT 44.33 32.24 37.50% 40.17 39.89 0.70% 37.63 31.97 17.70% 38.45 37.29 3.11%
PBTM 19.83 16.36 21.21% 18.39 21.12 -12.93% 18.43 17.90 2.96% 18.83 21.11 -10.80%
TAX 10.99 7.95 38.24% 10.15 9.79 3.68% 9.42 7.72 22.02% 9.52 9.03 5.43%
PAT 33.34 24.29 37.26% 30.02 30.10 -0.27% 28.21 24.25 16.33% 28.93 28.26 2.37%
PATM 14.91% 12.33% 13.74% 15.93% 13.81% 13.58% 14.17% 15.99%
EPS 7.40 6.87 7.71% 6.67 8.51 -21.62% 6.26 7.08 -11.58% 8.17 8.25 -0.97%
Gross NPA 175.32 160.42 9.29% 171.86 154.88 10.96% 170.18 152.62 11.51% 170.04 150.39 13.07%
Gross NPA% 2.61 2.73 -4.40% 2.69 2.81 -4.27% 2.76 2.77 -0.36% 2.97 2.96 0.34%
Net NPA 85.44 78.67 8.61% 84.95 74.50 14.03% 85.08 74.05 14.90% 86.47 80.06 8.01%
Net NPA% 1.29 1.36 -5.15% 1.35 1.37 -1.46% 1.40 1.36 2.94% 1.53 1.60 -4.38%
CASA 0.00 0.00 0 39.50 0.00 0 38.30 41.90 -8.59% 0.00 0.00 0

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Net Interest Income 374.20 345.15 321.99 255.28 198.61 172.62 74.03 62.68 54.61 46.25 39.80 Interest Earned 850.42 794.33 676.01 578.22 511.44 458.13 223.69 188.01 160.41 130.45 110.84 Interest Expended 476.22 449.18 354.02 322.94 312.83 285.51 149.66 125.33 105.80 84.20 71.04 Int. income Growth 9.54% 7.19% 26.13% 28.53% 15.06% 133.18% 18.11% 14.78% 18.08% 16.21% Other Income 81.13 68.08 49.47 54.19 45.83 42.95 19.89 14.32 11.58 10.28 8.55 Total Income 931.55 413.23 371.46 309.47 244.44 215.57 93.92 77.00 66.19 56.53 48.35 Total Expenditure 285.02 248.11 226.64 208.85 174.22 165.66 65.94 51.64 46.67 42.16 32.92 Employee Cost - 124.58 117.98 106.56 90.43 84.64 37.82 28.23 23.38 18.22 14.57 % Of Sales - 15.68% 17.45% 18.43% 17.68% 18.48% 16.91% 15.02% 14.58% 13.97% 13.15% Opt. & Establishment Exp. - 150.65 125.45 105.80 99.02 94.04 39.14 32.96 28.85 23.37 19.43 % Of Sales - 18.97% 18.56% 18.30% 19.36% 20.53% 17.50% 17.53% 17.99% 17.91% 17.53% Provisions - 6.68 24.55 28.73 17.75 17.66 1.50 1.37 5.04 8.09 4.74 % Of Sales - 0.84% 3.63% 4.97% 3.47% 3.85% 0.67% 0.73% 3.14% 6.20% 4.28% EBITDA 170.31 165.12 144.82 100.62 70.22 49.91 27.98 25.36 19.52 14.37 15.43 EBITDA Margin 66.48% 47.84% 44.98% 39.42% 35.36% 28.91% 37.80% 40.46% 35.74% 31.07% 38.77% Depreciation 0.00 16.90 20.67 16.12 16.49 15.34 6.26 5.46 5.30 3.76 2.91 PBT 160.58 148.22 124.16 84.49 53.74 34.58 21.72 19.89 14.22 10.61 12.51 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 40.08 36.69 30.56 21.92 12.95 9.20 6.68 6.15 0.00 0.00 0.00 Tax Rate 24.96% 24.75% 24.61% 25.94% 24.10% 26.60% 30.76% 30.92% 0.00% 0.00% 0.00% PAT 120.50 111.53 93.60 62.57 40.78 25.38 15.04 13.74 14.22 10.61 12.51 PAT before Minority Interest 120.50 111.53 93.60 62.57 40.78 25.38 15.04 13.74 14.22 10.61 12.51 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 26.46% 26.99% 25.20% 20.22% 16.68% 11.77% 16.01% 17.84% 21.48% 18.77% 25.87% PAT Growth 12.72% 19.16% 49.59% 53.43% 60.68% 68.75% 9.46% -3.38% 34.02% -15.19% EPS 26.72 24.73 20.75 13.87 9.04 5.63 3.33 3.05 3.15 2.35 2.77

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 1,197.42 610.61 515.78 450.79 406.78 79.77 71.29 61.81 54.05 46.37 Share Capital 45.04 34.25 34.04 33.91 33.81 15.70 15.70 15.70 15.70 15.70 Total Reserves 1,152.38 576.36 481.74 416.88 372.97 64.08 55.59 46.11 38.36 30.67 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 7,477.74 6,560.62 6,046.36 5,221.07 4,446.62 1,264.14 977.78 819.66 647.92 531.91 Borrowings 472.25 721.38 498.43 616.72 420.92 46.82 43.92 41.67 16.96 16.96 Other Liabilities & Provisions 147.87 98.16 93.35 82.66 55.55 15.90 46.82 41.83 30.05 54.83 Total Liabilities 9,295.28 7,990.77 7,153.92 6,371.24 5,329.87 1,406.63 1,139.81 964.97 748.98 650.07 Net Block 83.73 82.59 83.59 86.55 90.62 31.92 27.62 17.47 15.30 11.81 Gross Block 220.65 203.05 183.63 171.07 159.52 50.61 42.72 29.89 25.54 20.37 Accumulated Depreciation 136.92 120.46 100.05 84.51 68.89 18.68 15.11 12.42 10.24 8.55 Total Non-Current Assets 9,185.29 7,880.72 7,094.51 6,316.11 5,266.55 1,388.08 1,124.36 951.48 740.72 641.58 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 568.98 462.65 364.00 721.72 221.23 49.44 41.30 26.80 17.72 11.60 Balance with banks and money at call 752.18 418.21 655.06 568.70 594.52 176.52 139.10 104.84 81.07 64.60 Investments 1,705.71 1,488.58 1,357.06 1,212.25 1,051.87 374.64 313.16 286.11 207.92 206.60 Advances 6,074.69 5,428.69 4,634.80 3,726.89 3,308.31 755.56 603.18 516.26 418.71 346.97 Other Assets 109.99 110.05 59.41 55.12 63.32 18.54 15.45 13.50 8.27 8.48 Total Assets 9,295.28 7,990.77 7,153.92 6,371.23 5,329.87 1,406.62 1,139.81 964.98 748.99 650.06 Contingent Liabilities 63.00 56.47 45.62 38.35 37.07 17.08 12.98 12.29 16.24 11.51 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 265.84 178.27 151.50 132.94 120.32 50.83 45.42 39.38 34.44 29.54

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity 112.98 74.88 -210.74 174.32 -79.91 18.42 25.12 2.24 11.00 -13.23 PBT 148.21 124.16 84.49 53.74 34.58 16.15 18.32 16.00 15.85 11.07 Adjustment 26.91 49.22 48.66 36.48 34.63 6.30 1.91 4.70 3.18 2.21 Adjustments for Liabilities & Assets -21.15 -64.13 -323.10 96.96 -137.84 1.35 10.35 -12.48 -3.33 -21.58 Refund/(Payment) of direct taxes -41.00 -34.36 -20.79 -12.86 -11.28 -5.38 -5.46 -5.98 -4.71 -4.92 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -162.43 -201.99 -13.16 -12.42 -22.46 -8.05 -13.13 -4.58 -5.23 -1.71 Net Fixed Assets -17.60 -19.42 -12.56 -11.55 -108.91 -7.89 -12.83 -4.35 -5.17 -1.63 Other Investment Activity -422.64 -216.21 -196.05 -193.53 -167.57 -63.74 -47.30 -35.12 -27.25 -23.01 Cash from Financing Activity 222.58 221.52 -119.70 196.81 192.00 5.06 3.21 5.86 -2.56 14.09 Closing Cash & Equivalent 665.07 491.94 397.53 741.13 382.42 60.96 45.53 30.33 26.81 23.61 Net Cash Inflow / Outflow 173.13 94.41 -343.60 358.71 89.63 15.43 15.20 3.52 3.20 -0.84 Opening Cash & Equivalents 491.94 397.53 741.13 382.42 292.78 45.53 30.33 26.81 23.61 24.45

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value 265.84 178.27 151.50 132.94 50.83 45.42 39.38 34.44 29.54 26.64 NIM 3.79 4.13 3.64 3.19 3.41 3.63 3.77 4.04 2.99 4.02 Yield on Advances 13.08 12.45 12.48 13.72 17.27 18.38 17.35 15.89 15.56 16.93 Yield on Investments 6.58 6.59 6.56 7.68 8.11 8.23 6.81 8.27 7.64 8.40 Cost of Liabilities 5.65 4.86 4.93 5.36 6.42 6.95 6.31 5.59 6.40 6.25 Interest Spread 7.43 7.59 7.54 8.36 10.84 11.42 11.04 10.29 9.15 10.68 ROCE 13.19% 14.21% 11.72% 9.31% 12.47% 14.60% 15.55% 27.05% 22.64% 60.63% Cost Income Ratio 62.51 59.97 63.42 70.76 66.92 64.32 58.28 53.85 60.28 49.04 Core Cost Income Ratio 62.64 59.83 64.03 73.27 68.60 66.24 60.40 55.98 69.55 54.50 Operating Costs to Assets 2.78 2.79 2.74 2.71 2.69 2.73 2.65 2.69 2.71 2.74 Loans/Deposits 0.06 0.11 0.08 0.12 0.04 0.04 0.05 0.03 0.03 0.00 Cash/Deposits 0.08 0.07 0.06 0.14 0.04 0.04 0.03 0.03 0.02 0.03 Investment/Deposits 0.23 0.23 0.22 0.23 0.30 0.32 0.35 0.32 0.39 0.33 Inc Loan/Deposits 6.32% 11.00% 8.24% 11.81% 3.70% 4.49% 5.08% 2.62% 3.19% 0.00% Credit Deposits 81.24% 82.75% 76.65% 71.38% 59.77% 61.69% 62.98% 64.62% 65.23% 64.19% Interest Expended / Interest earned 56.55% 52.37% 55.85% 61.17% 64.55% 64.09% 60.72% 55.92% 65.09% 57.52% Interest income / Total funds 8.55% 8.46% 8.08% 8.03% 9.27% 9.72% 9.28% 8.88% 8.30% 9.12% Interest Expended / Total funds 4.83% 4.43% 4.51% 4.91% 5.99% 6.23% 5.64% 4.97% 5.40% 5.24% CASA 38.30% 41.88% 42.16% 40.08% 37.94% 39.56% 41.50% 43.84% 44.57% 41.97%