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 -3.10%, 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 -3.10% 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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Capital Small for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Capital Small
-13.9%
-0.10
30.22%
Sensex
8.49%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
18.99%
Net Profit Growth (5y)
29.88%
Advance to Deposit
78.32%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.68%
Gross NPA (avg)
2.70%
Coverage Ratio (avg)
48.39%
Cost to Income (avg)
61.82%
Net Interest Margin (avg)
4.38%
Operating Profit to Assets (avg)
5.13%
ROA (avg)
1.20%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Price to Book Value
0.84
PEG Ratio
1.15
Dividend Yield
1.54%
ROE (Latest)
9.74%
ROA (Latest)
1.19%
Net NPA to Book Value
7.80
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NII(Q)
Highest at Rs 119.31 cr
INTEREST EARNED(Q)
Highest at Rs 271.92 cr
-5What is not working for the Company
PBT LESS OI(Q)
Lowest at Rs 19.42 cr.
NON-OPERATING INCOME(Q)
is 57.68 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Capital Small
Net Interest Income (Quarterly)
Highest at Rs 119.31 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 271.92 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Here's what is not working for Capital Small
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 19.42 cr has Fallen at -13.5% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 22.44 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 19.42 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 57.68 % 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
Non Operating Income - Quarterly
Highest at Rs 26.47 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
