ScoreWhy is Capital Small Finance Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 2.67%
2
Healthy long term growth as Net profit has grown by an annual rate of 21.71%
3
Positive results in Dec 24
- INTEREST EARNED(Q) Highest at Rs 234.97 cr
- NII(Q) Highest at Rs 107.12 cr
- PBDIT(Q) Highest at Rs 29.64 cr.
4
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 07-Apr-25 and has generated 2.77% returns since then
- Multiple factors for the stock are Bearish like MACD, Bollinger Band and KST
5
With ROA of 1.4, 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 -24.03%, its profits have risen by 16.8%
6
High Institutional Holdings at 32.68%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -0.94% in the last 1 year, its fall in the stock was much higher with a return of -24.03%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Capital Small should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
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
-23.31%
-0.89
26.96%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.45%
Net Profit Growth (5y)
21.71%
Advance to Deposit
76.21%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.67%
Gross NPA (avg)
2.77%
Coverage Ratio (avg)
47.14%
Cost to Income (avg)
61.40%
Net Interest Margin (avg)
4.44%
Operating Profit to Assets (avg)
6.04%
ROA (avg)
1.37%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Price to Book Value
0.93
PEG Ratio
NA
Dividend Yield
0.45%
ROE (Latest)
9.65%
ROA (Latest)
1.42%
Net NPA to Book Value
6.96
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 234.97 cr
NII(Q)
Highest at Rs 107.12 cr
PBDIT(Q)
Highest at Rs 29.64 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 12.61%
PBT LESS OI(Q)
At Rs 27.48 cr has Grown at 38.4 %
PAT(Q)
Highest at Rs 34.05 cr.
-3What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 80.20 %
NON-OPERATING INCOME(Q)
is 39.79 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Capital Small
Interest Earned - Quarterly
Highest at Rs 234.97 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 107.12 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 29.64 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 12.61%
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 27.48 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 27.48 cr has Grown at 38.4 %
over average PBT of the previous four quarters of Rs 19.86 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 34.05 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Here's what is not working for Capital Small
Non Operating Income - Quarterly
is 39.79 % 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
Credit Deposit Ratio - Half Yearly
Lowest at 80.20 %
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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