CSB Bank Limited

NSE

CSBBANK

Stock

Yield per half year: +24.12%
Dividend yield: 0%
Sector: Financials

Reporting CSB Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд ₹				42.59	32.17	49.09	38.09	52.01			46.79	42.79	4.08
Выручка, млрд ₹		5.74	4.5	5.41	7.34	12.44	14	16.5	20.61	24.48	20.61	17.61	14.50
Чистая прибыль, млрд ₹		-0.5799	-1.27	-0.6569	0.1272	2.18	4.58	5.47	5.67	5.94	5.67	4.77	22.20
EV, млрд ₹				-17.3	30.06	45.15	39.62	31.88	28.58	70.23	28.58	43.09	9.24
EBIT, млрд ₹	1.43	9.22	7.17	-2.14	1.1	2.52	6.14	7.34	0.0000		0.0000	2.99	-227.95
EBITDA, млрд ₹	1.57	9.37	7.33	-1.97	1.34	2.93	6.52	7.77	0.5555		0.5555	3.82	-16.15
OIBDA, млрд ₹						3.67	7.7	9.2	2.59		2.59	5.79	-8.34
Баланс стоимость, млрд ₹		5.46	3.54	9.74	19.61	21.8	26.51	32.04	38.04	44.98	38.04	32.67	15.59
FCF, млрд ₹		3.78	0.0447	-9.16	-5.51	13.17	-9.14	21.36	16.65	-55.56	16.65	-2.7040	-233.36
Операционный денежный поток, млрд ₹		3.95	0.2684	-8.93	-5.07	13.74	-8.58	22.11	6.88	-52.56	6.88	-3.6820	-230.78
Операционная прибыль, млрд ₹	-2.28	9.22	7.17	-2.14	1.1	2.52	5.76	6.9	7.7		7.7	4.80	47.58
Операционные расходы, млрд ₹	1.18	4.46	4.36	5.66	5.33	7.29	7.87	8.86	12.91		12.91	8.45	19.35
CAPEX, млрд ₹		0.1737	0.2237	0.2265	0.4403	0.5654	0.5647	0.7521	1.18	3	1.18	1.21	39.62

	2018Q3	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ₹					42.59				40.59			49.12				40.61				63.93						47.37	8.46
Выручка, млрд ₹																4.4	4.75	4.86	4.92	5.08	9.91	10.04	10.64	5.95	7.53	8.81	-5.34
Чистая прибыль, млрд ₹																1.56	1.56	1.32	1.33	1.5	1.51	1.13	1.38	1.52	1.9	1.49	4.70
EV, млрд ₹													39.6		35.54	58.17	31.88	71.89	59.27		47.53		22.71		70.23	54.33	-0.47
EBIT, млрд ₹													3.52	3.06	3.22	4.17	4.22	3.53	3.56	4.01		1.52	6.98			3.92	14.61
EBITDA, млрд ₹														1.53	1.61	2.08	2.11	1.77	1.78	2	-2.06	0.0000	1.86			1.07	1.00
OIBDA, млрд ₹																					4.69	0.3911	7.46			4.18	16.73
Баланс стоимость, млрд ₹															28.89	30.46	32.04	33.38	34.73	34.73	38.04	38.04	41.41		44.98	39.44	5.31
FCF, млрд ₹	0.000814	-2.29	-2.29	-2.29	-1 377.2	-1 377.2	-1 377.2	-1 377.2					0.1268				0.0487									-826.2849	-112.87
Операционный денежный поток, млрд ₹					-1 267.12	-1 267.12	-1 267.12	-1 267.12		13.74	-1.2		0.1268		9.67		0.0487		-11.2							-0.5109	56.32
Операционная прибыль, млрд ₹															1.61	2.08	2.11	1.77	1.78	2	8.27	1.52	6.98	2.21		4.20	2.02
Операционные расходы, млрд ₹															2.16	2.26	2.61	2.95	3.25	3.12	1.65	1.84	5.67	3.74		3.20	3.69
CAPEX, млрд ₹					110.08	110.08	110.08	110.08		0.5653	0.2661		0.5647		0.2144		0.7521		0.3523							0.4299	5.77

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд ₹		19.99	20.89	17.46	11.68	21.19	16.21	18.37	32.92	35.92	32.92	24.92	11.13
Short Term Investments ₹				-16.64	-6.78	-10.54	14.18	13.59	30.86		30.86	8.26	-235.40
Long term investments ₹	59.87	54.92	37.94	37.95	53.6	61.26	70.12	58.49				56.28	9.04
Total Receivables ₹		5.79	7.76	8.23	6.13	7.14	6.11	7.06	5.12		5.12	6.31	-3.54
Total Current Assets ₹	8.27	102.17	114.72	0.8165	4.9	10.65	2.03	4.78	2.05		2.05	4.88	-15.99
Чистые активы, млрд ₹	2.15	0.513	0.5665	2.18	2.53	2.69	2.88	3.19			3.19	2.69	7.91
Активы, млрд ₹		157.7	153.35	164.53	188.64	233.37	253.56	291.62	360.56	478.36	360.56	323.49	15.44
Short Term Debt ₹	0.1599	0.1305	0.1834		1.63	3	20.07	6.18	11.05		11.05	8.39	46.63
Long Term Debt ₹	0.418	0.418	0.418		7.94	14.26	20.07	7.83			7.83	10.10	79.69
Задолженность, млрд ₹		152.24	149.81	154.79	169.04	211.57	227.05	259.59	322.52	433.39	322.52	290.82	15.42
Чистый долг, млрд ₹		-19.57	-20.47	-17.3	-11.56	-15.69	2.11	-10.54	-32.92	19.54	-32.92	-7.5000	-204.49
Долг, млрд ₹	0.5779	0.5485	0.6014	0.1553	9.57	17.26	18.31	14.01	17.57		17.57	15.34	12.92
Interest income ₹		13.36	12.97	13.48	15.1	18.72	20.38	23.2				18.18	11.47
Расходы на обслуживание долга ₹		10.23	9.12	9.08	9.18	9.31	8.85	9.86	14.51	21.21	14.51	12.75	17.90
Чист. проц. доходы, млрд ₹	3.24	3.14	3.85	4.4	5.92	9.41	11.53	13.34	29.28		23.2	13.90	37.67
Амортизация, млрд ₹	0.137	0.1493	0.1557	0.1653	0.2352	0.4076	0.3799	0.4316	0.5555		0.5555	0.4020	18.75
Себестоимость, млрд ₹	13.67	0.07	0.0763	0.0851					-14.51		-14.51	-0.1217	-201.20
Товарно материальные запасы ₹	0.2095	0.309	0.3005	-108.38	-17.07	-26.17	23.54	26.71	26.43		26.43	6.69	-209.14

	2018Q4	2019Q1	2019Q2	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ₹										16.21	-11.13	16.31	-14.12	18.37	-14.15	15.95		31.55		33.17		35.92	20.49	-220.48
Short Term Investments ₹									0.0000	-14.18				-13.59				63.1					11.78	-264.48
Long term investments ₹			43.14	40.47	53.6	76.59	61.26	58.36		70.12		57.34		58.49		66.92							62.25	2.78
Total Receivables ₹	0.6259	8.23		8.71	6.13	0.8645	7.14	15.42	6.11	6.11				7.06									8.37	-0.23
Total Current Assets ₹									11.14	2.03	11.49	16.31	15.45	4.78	14.88	15.95		31.55		33.17			20.07	47.32
Чистые активы, млрд ₹			0.5851	2.16	2.28	2.29	2.69	2.78		2.88		2.89		3.19		3.29							3.01	3.43
Активы, млрд ₹										253.56	254.95	257.44	265.55	291.62	293.64	314.23		360.56		394.64		478.36	368.29	10.25
Short Term Debt ₹										20.07				6.18				11.05					12.43	-18.04
Long Term Debt ₹	11.95				7.94	21.82	14.26	14.76		20.07		13.52		7.83		18.07							14.85	4.13
Задолженность, млрд ₹												228.55	235.08	259.59	260.27	18.07	273.45	322.52	-38.04	353.24		433.39	268.91	9.65
Чистый долг, млрд ₹										2.11	30.98	-2.79	17.25	-10.54	23.29	2.12		-13.98		-33.17		19.54	-0.4400	-3.45
Долг, млрд ₹										40.14		13.52	3.13	14.01	9.14	18.07		17.57					12.38	41.20
Interest income ₹								4.96	5.28	5.2	5.36	5.55	5.92	6.36	6.83	6.87	7.62						6.72	5.18
Расходы на обслуживание долга ₹													2.42	2.88	3.19	3.44	3.79	4.09	4.7	4.97	5.44	6.1	5.06	8.32
Чист. проц. доходы, млрд ₹										3.04	3.11	3.25	3.5	3.48	3.64	3.44	3.83	7.95	8.32				5.44	17.98
Амортизация, млрд ₹											-1.53	-1.61	-2.08	-2.11	-1.77	-1.78	-2	-2.06	-1.52	-5.11			-2.4940	23.48
Себестоимость, млрд ₹		0.0851	0.0227	0.0227																-4.97			-1.2099	-376.44
Товарно материальные запасы ₹					0.2876		0.2624			-23.54				-26.71									-12.4250	-410.44

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			-4.6	0.8845	12.59	26.43	31.55	32.67	35.07	32.67	27.66	22.74
Цена акции ао			216.45	218.05	236	237.8	418.65	313.1	384.7	384.7	318.05	10.27
Число акций ао, млн	80.96	82.22	172.64	173.37	173.39	173.49	173.49	173.49	169.32	173.49	172.64	-0.47
FCF/акцию	46.69	0.5441	-53.05	-31.78	75.97	-52.7	123.14	95.95	-328.13	95.95	-17.1540	-233.99

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS												8.99	9.01	7.62	7.67	8.64	8.73	6.53	7.98	8.74	11.25		8.65	5.20
Цена акции ао									234.23	200.05	210.24	234.09	241.51	278.53	310.99	368.48					298.05	384.7	328.15	6.67
Число акций ао, млн	59.47	59.47	71.71	80.96	82.22	172.64	173.37	173.39				173.49				173.49							173.28	0.10
FCF/акцию	-36.01		13.18	0.1382	-27.85	-7977.4							0.2805										-1598.3303	-53.70

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-10.62	-35.94	-6.74	0.649	10.02	18.98	18.7	16.18	14.31	16.18	16.86	15.64	7.39
ROA, %	-0.3677	-0.8288	-0.3992	0.0675	0.9358	1.88	2.01	1.74	1.42	1.74	4.25	1.60	8.70
ROS, %	-10.1	-28.25	-12.14	1.73	17.55	32.76	33.18	27.5	27.5	27.5	55.32	27.70	9.40
ROCE, %	168.87	202.78	-21.97	5.63	11.55	2.43	2.52	-1.5E-5	-0.000105	-0.000105	8.56	3.30	-109.81
Ebit margin, %				18.26	23.51	43.89	44.47	-0.000194	-0.000194	-0.000194		22.37	-109.62
Рентаб EBITDA, %	163.3	162.86	-36.47	18.26	23.51	46.6	47.08	2.7	2.7	2.7	61.72	24.52	-35.13
Чистая рентаб, %	-10.1	-28.25	-12.14	1.73	17.55	32.76	33.18	27.5	24.25	27.5	55.32	27.05	6.68
Operation Margin, %	160.7	159.4	-39.53	15.05	20.23	41.17	41.85	37.36	37.36	37.36	56.13	35.59	13.05
Доходность FCF, %			-21.5	-17.13	26.84	-24	41.07					1.06	-213.82

	2019Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					4.17	5.12	4.88	3.96	4.17	4.52	4.39	3.17	3.72		5.7		16.86	4.30	4.75
ROA, %			0.5153	0.4492	0.4683	0.5873	0.5361	0.4503	0.4382		0.8401		0.7014		0.7962		4.25	0.6452	12.07
ROS, %							32.93	27.23	27.06	29.52	15.28	11.29	13.01	25.49	25.3	27.5	55.32	20.52	19.49
ROCE, %		15.76	13.29	11.06	11.15	13.68	13.18	10.59	1.58				2.11			-0.000105	8.56	5.49	-109.56
Ebit margin, %									72.32	78.9		15.18	65.56			-0.000194		46.39	-107.69
Рентаб EBITDA, %					43.55	47.4	44.46	36.39	36.16	39.45	-20.82	0.000431	17.52			2.7	61.72	7.77	-41.51
Чистая рентаб, %						35.47	32.93	27.23	27.06	29.52	15.28	11.29	13.01	25.49	25.3		55.32	18.07	10.61
Operation Margin, %						47.4	44.46	36.39	36.16	39.45	83.4	15.18	65.56	37.1		37.36	56.13	47.72	-14.84
Доходность FCF, %	-3233.61																	-3233.6100	0.00

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				-64.84	252.78	22.48	8.18	7.75	10.85	8.54	10.85	36.28	11.56	-17.60
P/BV				4.37	1.64	2.25	1.41	1.32	1.62	1.13	1.62	3.47	1.55	-12.87
P/S				7.87	4.38	3.94	2.68	2.57	2.98	2.07	2.98	11.12	2.85	-12.08
P/FCF				-4.65	-5.84	3.73	-4.17	2.43	2.81	2.81	2.81	9.16	1.52	-5.51
E/P				-0.0154	0.004	0.0445	0.1204	0.1052	0.1211	0.1211	0.1211	0.14	0.1025	22.17
EV/EBIT					3.22	8.64	6.45	4.35	-714543.54	-714543.54	-714543.54		-285813.5280	-1062.73
EV/EBITDA				-2.09	22.43	15.43	6.08	4.1	51.45		51.45	38.04	19.90	18.06
EV/S					4.09	3.63	2.83	1.93	1.39	1.39	1.39	13.61	2.23	-17.47
EV/FCF					-5.46	3.43	-4.33	1.49	1.72	1.72	1.72	11.74	0.8060	-12.89
Debt/EBITDA		0.0585	0.0821	0.0188	7.14	5.9	2.81	1.8	31.64	31.64	31.64	17.17	14.76	39.92
Netdebt/Ebitda		-2.09	-2.79	8.76	-8.63	-5.36	0.3231	-1.36	-59.26	-59.26	-59.26	-0.25	-24.9834	61.70
Debt/Ratio	0.0037	0.0035	0.0039		0.0507	0.074	0.0722	0.048	0.0487	0.0487	0.0487	0.30	0.0583	-8.03
Debt/Equity	0.0647	0.1004	0.1701		0.4881	0.7916	0.6908	0.4373	0.462	8.48	8.48	3.05	2.17	60.69
Debt/Net Income	-0.386	-0.9459	-0.4733		75.21	7.9	3.99	2.56	3.1	3.1	3.1	13.96	4.13	-17.06
PEG										1.15	1.15		1.15	0.00
Бета								1.97	-0.3916	6.13	6.13	1.20	2.57	45.99
Индекс Альтмана				0.2228	0.1364	0.2572	1.16	0.1981	0.1889	0.2072	0.2072	1.01	0.4023	-4.23

	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E							26.04	7.75	8.6	9.89	12.02	10.85	11.27	10.11	9.79	8.68		36.28	10.14	-4.36
P/BV				1.41		1.33	1.33	1.32	1.46	0.193	1.84	1.62		1.35		1.13		3.47	1.23	42.40
P/S							9.24	2.57	2.75	3.02	3.51	2.48	2.06	1.57	1.49	1.51		11.12	1.82	-9.45
P/FCF	-0.0309																2.81	9.16	1.39	-1053.62
E/P	0.0066	0.0131	0.0302				0.0384				0.0235						0.1211	0.14	0.0453	56.02
EV/EBIT										16.65				3.26			-714543.54		-238174.5433	-3601.10
EV/EBITDA				2.64		2.24	8.33	4.35	40.69	7.66		13.63		12.59				38.04	15.78	23.68
EV/S									14.81	12.04		4.79		2.13		9.33	1.39	13.61	5.94	-35.07
EV/FCF																	1.72	11.74	1.72	0.00
Debt/EBITDA				22.79		3.45	1.5	6.64	5.17	10.15		-8.51					31.64	17.17	9.02	36.65
Netdebt/Ebitda				1.2	20.24	-1.73	8.28	-4.99	13.18	1.19		6.77		-17.79			-59.26	-0.25	-11.1820	-235.07
Debt/Ratio				0.1583				0.048	0.0311	0.0575		0.0487					0.0487	0.30	0.0468	0.29
Debt/Equity				1.51				0.4373	0.2738	0.5203		0.462					8.48	3.05	2.03	80.94
Debt/Net Income				30.72				8.96	6.91	13.57		11.6					3.1	13.96	8.83	-19.13
PEG																	1.15		1.15	0.00
Бета																1.07	6.13	1.20	3.60	139.35
Индекс Альтмана																0.1911	0.2072	1.01	0.1991	4.13

Dividends

IFRS

Reporting Annual Quarterly

	2013	2014	2015	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0468	0.0734	0.049			0.0564	1.54
Дивиденд				0
Див доход, ао, %				0	1.35
Дивиденды / прибыль, %	17.59	27.32	-9.21	0	18.71	11.90	-180.60

	2014Q2	2014Q3	2014Q4	2015Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.0209	0.0209	0.0036	0.0036		0.0122	-35.58
Дивиденды / прибыль, %	-23.06	-23.06	-2.03	-2.03	18.71	-12.5450	-45.53

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	4.54	4.03	4.56	5.75	12.26	5.75	21.98
Персонал, чел			6 830	6 830			0.00

	CAGR 5

	CAGR 5