ScoreWhy is Capital Small Finance Bank Ltd ?
1
Healthy long term growth as Net profit has grown by an annual rate of 22.70%
2
Positive results in Sep 25
- GROSS NPA(Q) Lowest at 0.00%
- NII(Q) Highest at Rs 111.64 cr
- INTEREST EARNED(Q) Highest at Rs 256.46 cr
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 -2.29%, its profits have risen by 12.2% ; the PEG ratio of the company is 0.8
4
High Institutional Holdings at 29.23%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -2.29% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
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, Low Return
Absolute
Risk Adjusted
Volatility
Capital Small
-2.32%
-0.08
30.27%
Sensex
4.58%
0.40
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.93%
Net Profit Growth (5y)
22.70%
Advance to Deposit
78.47%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.74%
Gross NPA (avg)
2.56%
Coverage Ratio (avg)
48.96%
Cost to Income (avg)
61.98%
Net Interest Margin (avg)
4.39%
Operating Profit to Assets (avg)
5.12%
ROA (avg)
1.14%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
0.88
PEG Ratio
0.78
Dividend Yield
1.48%
ROE (Latest)
9.72%
ROA (Latest)
1.18%
Net NPA to Book Value
NA
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
GROSS NPA(Q)
Lowest at 0.00%
NII(Q)
Highest at Rs 111.64 cr
INTEREST EARNED(Q)
Highest at Rs 256.46 cr
PAT(Q)
Highest at Rs 34.89 cr.
EPS(Q)
Highest at Rs 7.70
NET NPA(Q)
Lowest at 0.00%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 49.90 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Capital Small
Gross NPA - Quarterly
Lowest at 0.00%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 111.64 cr
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 256.46 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 34.89 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.70
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.00%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Capital Small
Non Operating Income - Quarterly
is 49.90 % 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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