Capital Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
Capital Small Finance Bank has total assets of ₹95.6B and total equity of ₹12.7B. Total deposits are ₹77.8B, and total loans are ₹66.3B earning a Net Interest Margin of 3.9%. It has insufficient allowance for bad loans, which are currently at 2.6% of total loans. Cash and short-term investments are ₹4.8B.
Key information
7.6x
Asset to equity ratio
3.9%
Net interest margin
| Total deposits | ₹77.80b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.6% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹4.83b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CAPITALSFB's Assets to Equity ratio (7.6x) is low.
Allowance for Bad Loans: Insufficient data to determine if CAPITALSFB has a sufficient allowance for bad loans.
Low Risk Liabilities: 94% of CAPITALSFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CAPITALSFB has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: CAPITALSFB's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: CAPITALSFB has a high level of bad loans (2.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 01:45 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Capital Small Finance Bank Limited is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Pritesh Bumb | DAM Capital Advisors |