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RATING

RECOMMENDATION

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Business Type

Emerging Leader

  • Capital Small Finance Bank Growth

Get info on Capital Small Finance Bank Unlisted shares before buying, selling and investing - Read our Research report on Capital Small Finance Bank Pre IPO. Information like - Revenue Growth, Net Profit Growth, Profit After Tax Margin & all Profitability Ratio.

Capital Small Finance Bank Revenue Growth

Growth in %

  • 13.26%

    1 Year

  • 23.42%

    3 Year

  • 25.20%

    5 Year

Revenue of the company is continuously increasing from last 10 years and has seen a growth of 13.26% in FY21. Main focus of the company is on providing products and services to middle income segment customers, there target centric business makes them grow faster. As of June 30, 2021, bank had 159 branches and 161 ATMs with 74% branches located in rural and semi-urban areas.

Capital Small Finance Bank Net Profit Growth(PAT)

Growth in %

  • 60.68%

    1 Year

  • 28.95%

    3 Year

  • 24.31%

    5 Year

The Capital Small Finance bank's(CSFBs) profitability and operational metrics have been on the rise as depicted from their upward trend. Since its conversion into an SFB, they have invested a lot in expanding branch network which has in turn enabled them to grow loan book. Till then they have opened 111 branches.

Company is performing  good in all segments of operations, and is currently planning to enter into partnership with business correspondents in the states in which they do not have strong presence for credit sourcing.

Capital Small Finance Bank EPS Growth

Growth in %

  • 46.81%

    1 Year

  • 20.42%

    3 Year

  • 12.32%

    5 Year

Every year EPS of the company is increasing at a higher rate, due to increase in its interest income from advances and other bill.

  • Capital Small Finance Bank Book Value Growth

Growth in %

  • 30.51%

    1 Year

  • 26.48%

    3 Year

  • 33.22%

    5 Year

Book value of the company has increased due to increase in reserves and surplus. Company has transferred a good amount of their earnings to reserves for future growth. Also in these unpredictable times, reserves will provide security for the company's growth and development.

Capital Small Finance Bank EBITDA Growth

Growth in %

  • 40.66%

    1 Year

  • 27.65%

    3 Year

  • 24.44%

    5 Year

Capital Small Finance Bank Operating Profit Growth

Growth in %

  • 60.68%

    1 Year

  • 28.95%

    3 Year

  • 24.31%

    5 Year

Operating profit of the company is showing an upward trend. The major reason for 60.7% rise in operating profit in FY21 is less percentage increase in company's provision for loan loses and other expenses in comparison to their earnings.

This shows great management of operations by company even in hard times like covid pandemic. In past company has gone through some other crisis as well hence they has made their operations flexible to those changes, and this gives them a major advantage over its peers.

Capital Small Finance Bank Asset Growth

Growth in %

  • 19.54%

    1 Year

  • 23.87%

    3 Year

  • 25.43%

    5 Year

Total assets of the company has risen, the major change was done by cash, as due to pandemic company had to maintain good amount of liquidity, this led to increment in current assets of the company, while the loan book of the company is also increasing at an optimum rate. For example in FY21, for mortgage section, company's loan book increased by 21.52%. On the other hand fixed assets of the company has decreased as the bank write off, some of its tangible assets

Capital Small Finance Bank Cash Flow from Operations

Growth in %

  • NA

    1 Year

  • NA

    3 Year

  • NA

    5 Year

  • Capital Small Finance Bank Solvency Ratios

Capital Small Finance Bank D/E Ratio

Company has increased its debt from redeemable non-convertible debentures and other borrowings, this led to increase in its D/E ratio. But company is maintaining very low debt to equity in comparison to its peers, which makes it safer.

Capital Small Finance Bank Current Ratio

Capital Small Finance Bank Quick Ratio

Capital Small Finance Bank Interest Coverage Ratio

  • Capital Small Finance Bank Operating Efficiency

The bank's margin ratios have improved this year. It had been experiencing degrowth over the past two years due to a steady increase in expenses combined with an increase in interest revenue. Due to the significant likelihood of defaults during the pandemic, the corporation upped its loss provisions even in FY20. However, in comparison to its expenses, they have managed to earn more interest this year.

Capital Small Finance Bank Operating Profit EBIT Margin(OPM)

Capital Small Finance Bank Profit Before Tax Margin (PBT Margin)

Capital Small Finance Bank Profit After Tax Margin (PAT Margin)

  • Capital Small Finance Bank Profitablity Ratio

Capital Small Finance Bank Return on Equity(RoE)

In FY21 the bank has seen increase in ROE, as this year profit of the company has increased by 60.7%. The main reason for this increase was rise in secured loans provided by the company, which led company to earn high interest.

Capital Small Finance Bank Return to Assets (RoA)

The company's ROA has grown, indicating that it has provided stronger returns on its assets. The company's total assets increased in FY21 due to an increase in cash and cash equivalents, which was primarily attributable to enhanced liquidity and an increase in the cash margin required by the RBI. It also reported a 12.7 percent increase in its loan book.

  • Capital Small Finance Bank Valuation Ratios

Capital Small Finance Bank Dividend Yield

Capital Small Finance Bank Earning Yield

  • Capital Small Finance Bank NBFC's Ratios

Capital Small Finance Bank Tier 1 Capital Ratio


Capital Small Finance Bank Tier 2 Capital Ratio

Capital Small Finance Bank Tangibe Book Value

Tangible book determines the potential value of a company in the event that it must liquidate its assets and in case of CSFB, they don't have intangible assets, and major portion of their assets can be liquidated.

Capital Small Finance Bank AUM

CSFB also offers deposit services, and their AUM has been steadily increasing over the previous five years. This demonstrates that the company is effectively managing its assets. Even in FY21, they saw a 13.15% increase in AUM, which was lower than the previous year but still impressive given the economic downturn and investor concern.

Capital Small Finance Bank AUM Growth

Capital Small Finance Bank Capital Adequacy Ratio

Capital Small Finance Bank's CAR is optimum as per RBI standards. NBFCs have to maintain a minimum CAR of 15% and the company is continuously maintaining it higher then standard set by RBI. This shows the company has enough capital on reserve to handle a certain amount of losses, and uncertain times like covid pandemic.

Capital Small Finance Bank Return on Risk Weighted Asset

The banks RORWA is continuously improving from past 2 years. This shows the bank is able to provide enough returns even on its risk weighted assets.

Capital Small Finance Bank Net NPA

The bank's dedicated customer relationship team maintains healthy engagement with customers on an ongoing basis which has resulted in effective collection recoveries and consequently better asset quality despite the outbreak of COVID-19 pandemic. All of these measures have resulted in improving asset quality and lowering the NPA. As of FY21 bank's net NPA ratios was 1.13% which is lowest amongst the other small finance banks.

Capital Small Finance Bank Gross NPA

The bank's gross NPA was 2.08% as on March 31, 2021, which is lowest amongst the other small finance banks for Fiscal 2021. Even during the period bank's collection efficiency was 98.43% as which is nearing the pre-COVID levels. The Bank is maintaining a healthy loan loss provisions of 68.48% as on March 31, 2021.

Capital Small Finance Bank CASA

As on March 31, 2021, the bank had the second highest proportion of CASA deposits at 40.07% resulting in lowest cost of funds among the SFBs for FY21. The company's proportion of retail deposits at 98% is the highest vis a vis other SFBs and retail deposits have advantages including stability in deposit, greater customer retention, enhanced cross-selling opportunities in addition to supporting the low cost of funds, this can give company a significant advantage over its peers.