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Capital Small Finance Bank Limited CAPITALSFB NSEFINANCIAL

Financial Services · Banks - Regional · India
https://www.capital.bank.in

Capital Small Finance Bank Limited provides a range of banking and financial products and services for individuals and businesses in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings, current, and real estate regulatory authority accounts; term deposits; bank lockers; debit cards; trade finance; bank guarantees; 3-in-1 trading account; ATMs; cheque and pass books; and pension scheme. It also provides loans, such as loan against rentals, auto, housing, gold, personal, mortgage loan against property, credit card for farmer, corporate lending, and MSME loans. In addition, the company offers various insurance products, such as general, life, health, motor, travel, home, vehicle, commercial, whole life, term, children's education, money back and unit-linked insurance plans, savings, guaranteed return, and retirement plans. Further, it provides money transfer, bill payment system, payment gateway, net banking, tax payments, and foreign exchange, government banking, NRI banking services and point of sale services. The company was formerly known as Capital Local Area Bank Limited and changed its name to Capital Small Finance Bank Limited in April 2016. Capital Small Finance Bank Limited was incorporated in 1999 and is headquartered in Jalandhar, India.

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₹274.65
-6.77% 1Y

Market & Price

Market Cap
₹1,247.78 Cr
Current Price
₹274.65
High / Low (52W)
₹321.45 / ₹218.90
Beta
-

Valuation

Stock P/E
8.83
Industry PE
19.12
Forward P/E
5.34
PEG Ratio
-
Book Value
₹321.51
Price to Book
0.85
P/S
2.56
EV/EBITDA
-
Dividend Yield
1.82%

Profitability & Returns

ROCE
-
ROE
10.10%
ROA
1.27%
Profit Margin
29.00%
Op Margin
7.10%
EPS (Latest Qtr)
₹8.79
EPS (TTM)
₹31.09

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹499.43 Cr
Total Assets
₹12,143.94 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
37.79%
Chg in Prom Hold
-
FII / Inst Holding
20.39%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1,334.82 Cr
Total Revenue (TTM)
₹487.57 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-2,080.14 Cr
Shares Outstanding
₹4.54 Cr
Gross Margin
0.00%
Payout Ratio
12.87%

Growth (CAGR)

Revenue 5Y
14.64%
Profit 5Y
14.74%
Revenue (YoY)
12.00%
Earnings (YoY)
16.70%

PROS

  • Excellent profit margin of 29.0%.
  • Compounding revenue at 14.6% over 5 years.
  • Profit CAGR of 14.7% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CAPITALSFB Capital Small Finance Bank Limited NSEFINANCIAL 274.65 8.83 ₹1,247.78 Cr 1.82% - 10.10% 14.64% 14.74%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 125.28 Cr128.63 Cr132.67 Cr145.78 Cr146.46 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 77.48 Cr81.79 Cr81.32 Cr88.98 Cr86.64 Cr
Operating Income -----
EBITDA -----
Interest Expense 127.85 Cr128.40 Cr137.29 Cr152.61 Cr152.46 Cr
Pretax Income 45.64 Cr44.99 Cr42.51 Cr45.89 Cr54.03 Cr
Tax Provision 11.59 Cr10.75 Cr10.50 Cr11.48 Cr13.95 Cr
Net Income 34.05 Cr34.24 Cr32.01 Cr34.41 Cr40.08 Cr
Diluted EPS 7.547.537.057.588.79

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -371.45 Cr413.11 Cr496.20 Cr559.67 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -222.75 Cr258.33 Cr310.79 Cr346.18 Cr
Operating Income -----
EBITDA -----
Interest Expense -354.02 Cr449.18 Cr498.30 Cr587.18 Cr
Pretax Income -124.15 Cr148.22 Cr175.13 Cr188.81 Cr
Tax Provision -30.56 Cr36.69 Cr43.48 Cr47.41 Cr
Net Income -93.60 Cr111.53 Cr131.65 Cr141.39 Cr
Diluted EPS -20.7830.4529.0931.09

Compounded Sales Growth

5 Years:14.64%
1 Year:12.00%

Compounded Profit Growth

5 Years:14.74%
1 Year:16.70%

Stock Price Performance

1 Year:-6.77%
6 Months:-2.74%
3 Months:+4.15%
1 Month:+3.97%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -7,990.77 Cr9,295.28 Cr10,107.51 Cr12,143.94 Cr
Current Assets -----
Cash & Equivalents -930.15 Cr1,359.12 Cr1,041.76 Cr1,402.41 Cr
Inventory -----
Receivables 39.15 Cr36.87 Cr40.84 Cr39.91 Cr68.43 Cr
Total Liabilities -7,380.16 Cr8,097.86 Cr8,767.38 Cr10,682.91 Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -721.38 Cr472.25 Cr320.58 Cr499.43 Cr
Total Equity -610.61 Cr1,197.42 Cr1,340.14 Cr1,461.03 Cr
Shares Outstanding -4.50 Cr4.50 Cr4.52 Cr4.54 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -74.88 Cr115.89 Cr279.49 Cr-385.09 Cr
Investing Cash Flow --201.99 Cr-165.34 Cr-56.45 Cr-36.70 Cr
Financing Cash Flow -221.52 Cr222.58 Cr-155.13 Cr163.40 Cr
Capital Expenditure --19.76 Cr-18.45 Cr-21.19 Cr-27.38 Cr
Free Cash Flow -55.12 Cr97.44 Cr258.30 Cr-412.47 Cr
Net Change in Cash -94.41 Cr173.13 Cr67.91 Cr-258.39 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -25.2%27.0%26.5%25.3%
ROE % -15.3%9.3%9.8%9.7%
ROCE % -----

Shareholding Pattern

Insiders
37.79%
Institutions
20.39%
Public Float
32.78%

Analyst View

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