NSE: CSBBANK - CSB Bank Limited

Yield per half year: -14.22%
Dividend yield: 0.00%
Sector: Financials

Reporting CSB Bank Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹				42.59	32.17	49.09	38.09	52.01		46.79
Выручка, млрд ₹	15.71	5.74	4.5	5.41	7.34	12.44	14	16.5	20.61	20.61
Чистая прибыль, млрд ₹	-1.5	-0.5799	-1.27	-0.6569	0.1272	2.18	4.58	5.47	5.67	5.67
EV, млрд ₹				-17.3	30.06	45.15	39.62	31.88	27.58	27.58
EBIT, млрд ₹	1.43	9.22	7.17	-2.14	1.1	2.52	6.14	7.34	0.0000	0.0000
EBITDA, млрд ₹	1.57	9.37	7.33	-1.97	1.34	2.93	6.52	7.77	0.5555	0.5555
Баланс стоимость, млрд ₹	8.93	5.46	3.54	9.74	19.61	21.8	26.51	32.04	38.04	38.04
FCF, млрд ₹	-0.033	3.78	0.0447	-9.16	-5.51	13.17	-9.14	21.36	16.65	16.65
Операционный денежный поток, млрд ₹	0.0984	3.95	0.2684	-8.93	-5.07	13.74	-8.58	22.11	6.88	6.88
Операционная прибыль, млрд ₹	-2.28	9.22	7.17	-2.14	1.1	2.52	5.76	6.9	10.46	10.46
Операционные расходы, млрд ₹	1.18	4.46	4.36	5.66	5.33	7.29	7.87	8.86	20.61	20.61
CAPEX, млрд ₹	0.1315	0.1737	0.2237	0.2265	0.4403	0.5654	0.5647	0.7521	1.18	1.18

	2018Q3	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹					42.59				40.59			49.12				40.61				63.93
Выручка, млрд ₹														3.66	3.7	4.4	4.75	4.86	4.92	5.08	9.91	10.04	10.64
Чистая прибыль, млрд ₹														1.15	1.21	1.56	1.56	1.32	1.33	1.5	1.51	1.13	1.38
EV, млрд ₹													39.6		35.54	58.17	31.88	71.89	59.27		46.52		22.71
EBIT, млрд ₹													3.52	3.06	3.22	4.17	4.22	3.53	3.56	4.01		1.52	6.98
EBITDA, млрд ₹														1.53	1.61	2.08	2.11	1.77	1.78	2	-2.06	0.0000	1.86
Баланс стоимость, млрд ₹														27.67	28.89	30.46	32.04	33.38	34.73	34.73	38.04	38.04	41.41
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
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
Операционная прибыль, млрд ₹														1.53	1.61	2.08	2.11	1.77	1.78	2	8.27	1.52	6.98
Операционные расходы, млрд ₹														1.97	2.16	2.26	2.61	2.95	3.25	3.12	1.65	1.84	5.67
CAPEX, млрд ₹					110.08	110.08	110.08	110.08		0.5653	0.2661		0.5647		0.2144		0.7521		0.3523

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	1.22	19.99	20.89	17.46	11.68	21.19	16.21	18.37	32.92	32.92
Short Term Investments ₹				-16.64	-6.78	-10.54	14.18	13.59	30.86	30.86
Long term investments ₹	59.87	54.92	37.94	37.95	53.6	61.26	70.12	58.49
Total Receivables ₹		5.79	7.76	8.23	6.13	7.14	6.11	7.06	5.12	5.12
Total Current Assets ₹	8.27	102.17	114.72	0.8165	4.9	10.65	2.03	4.78	2.05	2.05
Чистые активы, млрд ₹	2.15	0.513	0.5665	2.18	2.53	2.69	2.88	3.19		3.19
Активы, млрд ₹	156.65	157.7	153.35	164.53	188.64	233.37	253.56	291.62	360.56	360.56
Short Term Debt ₹	0.1599	0.1305	0.1834		1.63	3	20.07	6.18	11.05	11.05
Long Term Debt ₹	0.418	0.418	0.418		7.94	14.26	20.07	7.83		7.83
Задолженность, млрд ₹	147.72	152.24	149.81	154.79	169.04	211.57	227.05	259.59	322.52	322.52
Чистый долг, млрд ₹	0.135	-19.57	-20.47	-17.3	-11.56	-15.69	2.11	-10.54	-32.92	-32.92
Долг, млрд ₹	0.5779	0.5485	0.6014	0.1553	9.57	17.26	18.31	14.01	17.57	17.57
Interest income ₹		13.36	12.97	13.48	15.1	18.72	20.38	23.2
Расходы на обслуживание долга ₹		10.23	9.12	9.08	9.18	9.31	8.85	9.86	14.51	14.51
Чист. проц. доходы, млрд ₹	3.24	3.14	3.85	4.4	5.92	9.41	11.53	13.34	29.28	23.2
Амортизация, млрд ₹	0.137	0.1493	0.1557	0.1653	0.2352	0.4076	0.3799	0.4316	0.5555	0.5555
Себестоимость, млрд ₹	13.67	0.07	0.0763	0.0851					-14.51	-14.51
Товарно материальные запасы ₹	0.2095	0.309	0.3005	-108.38	-17.07	-26.17	23.54	26.71	26.43	26.43

	2018Q4	2019Q1	2019Q2	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹									-8.23	16.21	-11.13	16.31	-14.12	18.37	-14.15	15.95		31.55		33.17
Short Term Investments ₹									0.0000	-14.18				-13.59				63.1
Long term investments ₹			43.14	40.47	53.6	76.59	61.26	58.36		70.12		57.34		58.49		66.92
Total Receivables ₹	0.6259	8.23		8.71	6.13	0.8645	7.14	15.42	6.11	6.11				7.06
Total Current Assets ₹									11.14	2.03	11.49	16.31	15.45	4.78	14.88	15.95		31.55		33.17
Чистые активы, млрд ₹			0.5851	2.16	2.28	2.29	2.69	2.78		2.88		2.89		3.19		3.29
Активы, млрд ₹									237.1	253.56	254.95	257.44	265.55	291.62	293.64	314.23		360.56		394.64
Short Term Debt ₹										20.07				6.18				11.05
Long Term Debt ₹	11.95				7.94	21.82	14.26	14.76		20.07		13.52		7.83		18.07
Задолженность, млрд ₹											227.28	228.55	235.08	259.59	260.27	18.07	273.45	322.52	-38.04	353.24
Чистый долг, млрд ₹									25.15	2.11	30.98	-2.79	17.25	-10.54	23.29	2.12		-13.98		-33.17
Долг, млрд ₹										40.14		13.52	3.13	14.01	9.14	18.07		17.57
Interest income ₹								4.96	5.28	5.2	5.36	5.55	5.92	6.36	6.83	6.87	7.62
Расходы на обслуживание долга ₹											2.25	2.3	2.42	2.88	3.19	3.44	3.79	4.09	4.7	4.97
Чист. проц. доходы, млрд ₹										3.04	3.11	3.25	3.5	3.48	3.64	3.44	3.83	7.95	8.32
Амортизация, млрд ₹											-1.53	-1.61	-2.08	-2.11	-1.77	-1.78	-2	-2.06	-1.52	-5.11
Себестоимость, млрд ₹		0.0851	0.0227	0.0227																-4.97
Товарно материальные запасы ₹					0.2876		0.2624			-23.54				-26.71

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	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		32.67
Цена акции ао				216.45	218.05	236	237.8	418.65	313.1	280.45	280.45
Число акций ао, млн	71.71	80.96	82.22	172.64	173.37	173.39	173.49	173.49	173.49		173.49
FCF/акцию	-0.4605	46.69	0.5441	-53.05	-31.78	75.97	-52.7	123.14	95.95		95.95

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS											6.6	6.95	8.99	9.01	7.62	7.67	8.64	8.73	6.53	7.98
Цена акции ао								322.96	283.31	234.23	200.05	210.24	234.09	241.51	278.53	310.99	368.48
Число акций ао, млн	59.47	59.47	71.71	80.96	82.22	172.64	173.37		173.39				173.49				173.49
FCF/акцию	-36.01		13.18	0.1382	-27.85	-7977.4								0.2805

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-16.77	-10.62	-35.94	-6.74	0.649	10.02	18.98	18.7	16.18		16.18	16.86
ROA, %	-0.9558	-0.3677	-0.8288	-0.3992	0.0675	0.9358	1.88	2.01	1.74		1.74	4.25
ROS, %		-10.1	-28.25	-12.14	1.73	17.55	32.76	33.18	27.5	27.5	27.5	54.68
ROCE, %		168.87	202.78	-21.97	5.63	11.55	2.43	2.52	-1.5E-5	-0.000105	-0.000105	24.78
Ebit margin, %					18.26	23.51	43.89	44.47	-0.000194	-0.000194	-0.000194
Рентаб EBITDA, %		163.3	162.86	-36.47	18.26	23.51	46.6	47.08	2.7	2.7	2.7	61.11
Чистая рентаб, %	-9.53	-10.1	-28.25	-12.14	1.73	17.55	32.76	33.18	27.5		27.5	54.68
Operation Margin, %		160.7	159.4	-39.53	15.05	20.23	41.17	41.85	50.76	50.76	50.76	57.48
Доходность FCF, %				-21.5	-17.13	26.84	-24	41.07

	2019Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %					4.14	4.17	5.12	4.88	3.96	4.17	4.52	4.39	3.17	3.72	16.86
ROA, %			0.6253	0.5153	0.4492	0.4683	0.5873	0.5361	0.4503	0.4382		0.8401		0.7014	4.25
ROS, %					31.33	32.59	35.47	32.93	27.23	27.06	29.52	15.28	11.29	13.01	54.68
ROCE, %		13.41	15.76	13.29	11.06	11.15	13.68	13.18	10.59	1.58				2.11	24.78
Ebit margin, %										72.32	78.9		15.18	65.56
Рентаб EBITDA, %					41.87	43.55	47.4	44.46	36.39	36.16	39.45	-20.82	0.000431	17.52	61.11
Чистая рентаб, %					31.33	32.59	35.47	32.93	27.23	27.06	29.52	15.28	11.29	13.01	54.68
Operation Margin, %					41.87	43.55	47.4	44.46	36.39	36.16	39.45	83.4	15.18	65.56	57.48
Доходность FCF, %	-3233.61

	Industry average	5 quarters average	CAGR 5

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	10.67		10.67	36.15
P/BV				4.37	1.64	2.25	1.41	1.32	1.59		1.59	3.46
P/S				7.87	4.38	3.94	2.68	2.57	2.94		2.94	11.00
P/FCF				-4.65	-5.84	3.73	-4.17	2.43	2.81	2.81	2.81	9.34
E/P				-0.0154	0.004	0.0445	0.1204	0.1052	0.1211	0.1211	0.1211	0.39
EV/EBITDA				-2.09	22.43	15.43	6.08	4.1	49.64		49.64	160.46
EV/EBIT					3.22	8.64	6.45	4.35	-689388.1	-689388.1	-689388.1
EV/S					4.09	3.63	2.83	1.93	1.34	1.34	1.34	13.51
EV/FCF					-5.46	3.43	-4.33	1.49	1.66	1.66	1.66	11.90
Debt/EBITDA		0.0585	0.0821	0.0188	7.14	5.9	2.81	1.8	31.64	31.64	31.64	139.52
Netdebt/Ebitda		-2.09	-2.79	8.76	-8.63	-5.36	0.3231	-1.36	-59.26	-59.26	-59.26	-122.79
Debt/Ratio	0.0037	0.0035	0.0039		0.0507	0.074	0.0722	0.048	0.0487	0.0487	0.0487	0.30
Debt/Equity	0.0647	0.1004	0.1701		0.4881	0.7916	0.6908	0.4373	0.462	5.5	5.5	271.23
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
Бета								1.97	-0.3916	1.38	1.38	1.04
Индекс Альтмана				0.2228	0.1364	0.2572	1.16	0.1981	0.1889	0.1911	0.1911	0.33

	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E					6.76	7.46	26.04	7.75	8.6	9.89	12.02	10.67	11.27	10.11		36.15
P/BV			1.95	1.41		1.33	1.33	1.32	1.46	0.193	1.84	1.59		1.35		3.46
P/S					2.43	2.63	9.24	2.57	2.75	3.02	3.51	2.44	2.06	1.57		11.00
P/FCF	-0.0309															9.34
E/P	0.0066	0.0131	0.0302				0.0384				0.0235					0.39
EV/EBITDA				2.64		2.24	8.33	4.35	40.69	7.66		13.34		12.59		160.46
EV/EBIT										16.65				3.26
EV/S									14.81	12.04		4.69		2.13		13.51
Debt/EBITDA				22.79		3.45	1.5	6.64	5.17	10.15		-8.51				139.52
Netdebt/Ebitda			12.69	1.2	20.24	-1.73	8.28	-4.99	13.18	1.19		6.77		-17.79		-122.79
Debt/Ratio				0.1583				0.048	0.0311	0.0575		0.0487				0.30
Debt/Equity				1.51				0.4373	0.2738	0.5203		0.462				271.23
Debt/Net Income				30.72				8.96	6.91	13.57		11.6				13.96
Бета															1.38	1.04
Индекс Альтмана															0.1911	0.33

	Industry average	5 quarters average	CAGR 5

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
Дивиденд				0
Див доход, ао, %				0	1.40
Дивиденды / прибыль, %	17.59	27.32	-9.21	0	18.33

	2014Q2	2014Q3	2014Q4	2015Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.0209	0.0209	0.0036	0.0036
Дивиденды / прибыль, %	-23.06	-23.06	-2.03	-2.03	18.33

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	6830	6830

	CAGR 5

	CAGR 5