Capital Small Finance Bank Limited
Capital Small Finance Bank Limited Fundamental Analysis
Capital Small Finance Bank Limited (CAPITALSFB.NS) shows moderate financial fundamentals with a PE ratio of 8.76, profit margin of 12.27%, and ROE of 9.95%. The company generates $11.1B in annual revenue with strong year-over-year growth of 15.34%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CAPITALSFB.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakCAPITALSFB.NS struggles to generate sufficient returns from assets.
Valuation Score
ModerateCAPITALSFB.NS shows balanced valuation metrics.
Growth Score
ModerateCAPITALSFB.NS shows steady but slowing expansion.
Financial Health Score
ModerateCAPITALSFB.NS shows balanced financial health with some risks.
Profitability Score
WeakCAPITALSFB.NS struggles to sustain strong margins.
Key Financial Metrics
Is CAPITALSFB.NS Expensive or Cheap?
P/E Ratio
CAPITALSFB.NS trades at 8.76 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CAPITALSFB.NS's PEG of 52.40 indicates potential overvaluation.
Price to Book
The market values Capital Small Finance Bank Limited at 0.83 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.19 times EBITDA. This signals the market has high growth expectations.
How Well Does CAPITALSFB.NS Make Money?
Net Profit Margin
For every $100 in sales, Capital Small Finance Bank Limited keeps $12.27 as profit after all expenses.
Operating Margin
Core operations generate 16.27 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.95 in profit for every $100 of shareholder equity.
ROA
Capital Small Finance Bank Limited generates $1.12 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Capital Small Finance Bank Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Capital Small Finance Bank Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
CAPITALSFB.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.76
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
52.40
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.83
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.08
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.40
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.18
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How CAPITALSFB.NS Stacks Against Its Sector Peers
| Metric | CAPITALSFB.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.76 | 18.79 | Better (Cheaper) |
| ROE | 9.95% | 849.00% | Weak |
| Net Margin | 12.27% | 2879.00% | Weak |
| Debt/Equity | 0.40 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.18 | 675.77 | Weak Liquidity |
| ROA | 1.12% | -20989.00% (disorted) | Weak |
CAPITALSFB.NS outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Capital Small Finance Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
426.13%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
417.82%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
132.47%
Industry Style: Value, Dividend, Cyclical
High Growth