ScoreWhy is Capital Small Finance Bank Ltd ?
1
Healthy long term growth as Net profit has grown by an annual rate of 25.23%
2
Positive results in Mar 26
- NII(Q) Highest at Rs 120.68 cr
- INTEREST EARNED(Q) Highest at Rs 273.14 cr
- GROSS NPA(Q) Lowest at 2.54%
3
With ROA of 1.2, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 7.36%, its profits have risen by 7.4% ; the PEG ratio of the company is 1.3
4
High Institutional Holdings at 28.6%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Capital Small should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Capital Small for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Capital Small
7.36%
0.27
27.73%
Sensex
-3.74%
-0.28
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.77%
Net Profit Growth (5y)
25.23%
Advance to Deposit
81.93%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.54%
Gross NPA (avg)
2.61%
Coverage Ratio (avg)
50.40%
Cost to Income (avg)
62.27%
Net Interest Margin (avg)
4.30%
Operating Profit to Assets (avg)
5.04%
ROA (avg)
1.79%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
0.90
PEG Ratio
1.34
Dividend Yield
1.37%
ROE (Latest)
9.68%
ROA (Latest)
1.16%
Net NPA to Book Value
7.26
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at Rs 120.68 cr
INTEREST EARNED(Q)
Highest at Rs 273.14 cr
GROSS NPA(Q)
Lowest at 2.54%
CREDIT DEPOSIT RATIO(HY)
Highest at 85.57%
PBDIT(Q)
Highest at Rs 34.04 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 12.46%
PBT LESS OI(Q)
Highest at Rs 28.25 cr.
PAT(Q)
Highest at Rs 40.08 cr.
EPS(Q)
Highest at Rs 8.82
NET NPA(Q)
Lowest at 1.24%
-3What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 412.67 cr
NON-OPERATING INCOME(Q)
is 47.71 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Capital Small
Net Interest Income (Quarterly)
Highest at Rs 120.68 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 273.14 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.54%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 34.04 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 12.46%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 28.25 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 28.25 cr has Grown at 38.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 20.43 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 40.08 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 8.82
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 1.24%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 85.57%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Capital Small
Non Operating Income - Quarterly
is 47.71 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 412.67 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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