114  Total SME IPOs listed in 2025

5,174.44 Crs.  Total funds raised in 2025

79  SME IPOs listed with Gain in 2025

35  SME IPOs listed with loss in 2025

114  Total SME IPOs listed in 2025

5,174.44 Crs.  Total funds raised in 2025

79  SME IPOs listed with Gain in 2025

35  SME IPOs listed with loss in 2025

114  Total SME IPOs listed in 2025

5,174.44 Crs.  Total funds raised in 2025

79  SME IPOs listed with Gain in 2025

35  SME IPOs listed with loss in 2025

114  Total SME IPOs listed in 2025

5174.44 Crs.  Total funds raised in 2,025.00

79  SME IPOs listed with Gain in 2025

35  SME IPOs listed with loss in 2025

Capital Small Finance Bank Limited IPO Analysis

Capital Small Finance Bank IPO is a Book Building listing on BSE,NSE exchange, with an ipo size of ₹ 523.07 Cr. The company is based in Jalandhar and caters to Banking And Finance sector. Dam Capital Advisors (Formerly Idfc Securities ) , Equirus Capital , Nuvama Wealth Management are the merchant bankers of Capital Small Finance Bank IPO. It is a MainBoard IPO which filed its Draft Red Herring Prospectus (DRHP) on 28th September 2024.

Capital Small Finance Bank IPO posted revenues of ₹ 771.96 Cr. and PAT of ₹ 575.14 Cr. in FY24 on annualised basis.

IPO Key Highlights

*At the time of IPO, on Annualised Basis
  • Revenue: ₹ 771.96 Cr.
            EBITDA: ₹ 161.38 Cr.
            PAT: ₹ 575.14 Cr.
  • EBITDA Margin: 20.91 %
            Pat Margin: 74.50 %
  • Net Worth: ₹ 711.76 Cr.
  • Market Capitalisation: [●]
  • P/E: 35.29 times
  • P/BV: [●]
  • EV/EBITDA: 0.44 times
Nature of IPO : MainBoard
Exchange : BSE,NSE
IPO Type : Book Building

Capital Small IPO Financial Performance (Restated)

Financial results of Capital Small Finance Bank IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.

Amount in ₹ crores
Financials Sep-23 FY23 FY22 FY21
Balance Sheet
Assets 8390.69 7615.39 7990.77 7153.92
Net Worth 711.76 610.61 610.61 450.79
Total Debt 572.76 721.38 498.43 616.72
Profit & Loss
Revenue
Revenue on annualised basis
385.98
771.96
676.01 578.22 511.44
EBITDA
EBITDA on annualised basis
80.69
161.38
144.82 100.61 70.23
PAT
PAT on annualised basis
287.57
575.14
208.11 260.62 188.86
Financials
30-Sep-23
FY23
FY22
FY21
Balance Sheet
Assets
8,390.69
7,615.39
7,990.77
7,153.92

Net Worth
711.76
610.61
610.61
450.79

Total Debt
572.76
721.38
498.43
616.72

Profit & Loss
Revenue
Revenue on annualised basis
385.98
771.96
676.01
578.22
511.44

EBITDA
EBITDA on annualised basis
80.69
161.38
144.82
100.61
70.23

PAT
PAT on annualised basis
287.57
575.14
208.11
260.62
188.86

Notes:
1) Total debt incluides long-term borrowings and short-term borrowings.
2) Revenue means the Revenue from Operations as appearing in the Restated Financial Statements.

Capital Small IPO Key performance Indicators (KPI)

Capital Small Finance Bank IPO PAT Margin is 74.50 % , ROCE (Return on Capital Employed) is [●] % as per latest financial. The below table shows Capital Small Finance Bank IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.

Particulars Sep-23 FY23 FY22 FY21
EBITDA Margin (%) 20.91 21.42 17.40 13.73
PAT Margin (%) 74.50 30.79 45.07 36.93
EPS (₹) 15.59 27.35 18.41 12.04
ROE (%) 40.40 34.08 42.68 41.90
ROCE (%) [●] [●] [●] [●]
ROA (%) 3.43 2.73 3.26 2.64
Debt to Equity 0.80 1.18 0.82 1.37
Particulars
30-Sep-23
FY23
FY22
FY21

EBITDA Margin (%)
20.91
21.42
17.40
13.73

PAT Margin (%)
74.50
30.79
45.07
36.93

EPS (₹)
15.59
27.35
18.41
12.04

ROE (%)
40.40
34.08
42.68
41.90

ROCE (%)
[●]
[●]
[●]
[●]

ROA (%)
3.43
2.73
3.26
2.64

Debt to Equity (x)  
0.80
1.18
0.82
1.37

Notes:
1) The EPS represents post-bonus basic EPS.
2) Return on Equity is ratio of Profit after Tax and Total Equity.
3) Return on Assets is ratio of Profit after Tax and Total Assets.
4) Debt to Equity is ratio of Total borrowings and Total Equity.

Capital Small Finance Bank IPO Valuation Metrics

The market Capitalisation of Capital Small Finance Bank IPO is ₹ 0.00 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.

Key Metrics (at the time of IPO)


Market Capitalisation (₹ Cr.):
[●]

Enterprise Value (EV) (₹ Cr.):
[●]

EV/EBITDA (times) :
[●]

PE Multiple (times) :
35.29

P/B (times) :
[●]

NAV (₹) :
201.34

Notes:
1) The Enterprise Value is calculated as Market Cap. + Total Debt - Cash and Cash Equivalents.
2) Price to Book multiple is calculated as the ratio of Market Cap. and Net Worth post IPO proceeds.

What are the key financial metrics in Capital Small prospectus?

The Capital Small Finance Bank IPO prospectus highlights an Return on Equity (ROE) of 40.40 % , Return on Assets (ROA) of 3.43 %, and an EBITDA Margin of 20.91 %, showcasing financial performance.

How do profitability ratios impact the evaluation of Capital Small IPO?

Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows Capital Small Finance Bank IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.

What is the market capitalisation for Capital Small IPO ?

The post-IPO market capitalisation of Capital Small Finance Bank IPO is ₹ 0.00 Cr., based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.

What is the PE Multiple of Capital Small IPO?

The Capital Small Finance Bank IPO has a Price-to-Earnings (PE) ratio of 35.29 X, indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.

What is the Revenue of Capital Small Finance Bank IPO?

Capital Small Finance Bank IPO reported revenue of ₹ 830.44 Cr. in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from Capital Small Finance Bank IPO provide insights into sales growth, market demand, and business scalability.

What is the EBITDA of Capital Small Finance Bank IPO?

Capital Small Finance Bank recorded an EBITDA of ₹ 161.38 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.

What is the PAT of Capital Small Finance Bank IPO?

Capital Small Finance Bank Profit After Tax (PAT) is ₹ 575.14 Cr., reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions

IPO Key Highlights

*At the time of IPO, on Annualised Basis
  • Revenue: ₹ 771.96 Cr.
            EBITDA: ₹ 161.38 Cr.
            PAT: ₹ 575.14 Cr.
  • EBITDA Margin: 20.91 %
            Pat Margin: 74.50 %
  • Net Worth: ₹ 711.76 Cr.
  • Market Capitalisation: [●]
  • P/E: 35.29 times
  • P/BV: [●]
  • EV/EBITDA: [●]

Revenue

(As Annualised)

EBITDA

(As Annualised)

PAT

(As Annualised)
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FAQs

Capital Small Finance Bank operates in Banking And Finance and Financial Service Provider. The Issue is listed on BSE,NSE in Feb, 2024. Capital Small Finance Bank IPO size was 523.07 with Issue price of 468.00 .

Merchant Banker(s) of Capital Small Finance Bank IPO: Dam Capital Advisors Limited (Formerly Idfc Securities Limited) , Equirus Capital Private Limited , Nuvama Wealth Management Limited

Capital Small Finance Bank IPO subscription was 4.17 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.

Capital Small Finance Bank IPO listed at a listing price of 434.30 against the offer price of 468.00.

The current market price of Capital Small Finance Bank is 309.10.

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