Capital Small Finance Bank Limited CAPITALSFB NSEFINANCIAL
Company Overview
Capital Small Finance Bank Limited provides a range of banking and financial products and services for individuals and businesses in India. It operates through four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. The company offers various deposits accounts, including savings, current, cumulative, short term, quarterly and monthly interest deposit and recurring deposits; real estate regulatory authority accounts; term deposits; bank lockers; debit and credit 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 loan, and MSME loans. In addition, the company offers various insurance products, such as general, life, health, travel, home, and motor. 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.
Why Investors Should Care
Net profit has compounded at 14.7% per year over the last five years.
Revenue has grown at a 14.6% CAGR over the past five years.
Trades at a P/E of 9.0, below the sector median of 19.6.
Maintains a net profit margin of 25.3%.
Carries low leverage with a debt-to-equity ratio of 0.34.
Recent Developments
- Mar 2026 Revenue of ₹559.67 Cr (+12.8% YoY); net profit ₹141.39 Cr.
- Trailing 12 Months Year-on-year growth — revenue +12.8%, earnings +7.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 14.6%, profit CAGR 14.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 14.64% |
| 1 Year: | 12.79% |
Compounded Profit Growth
| 5 Years: | 14.74% |
| 1 Year: | 7.40% |
Stock Price Performance
| 1 Year: | -4.18% |
| 6 Months: | +11.77% |
| 3 Months: | +4.65% |
| 1 Month: | -5.04% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)40.58 · Neutral
P/E of 9.04 is below the sector median of 19.62 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 25.3%.
- Compounding revenue at 14.6% over 5 years.
- Profit CAGR of 14.7% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CAPITALSFB Capital Small Finance Bank Limited NSEFINANCIAL | 280.95 | 9.04 | ₹1,276.04 Cr | 1.69% | - | 9.68% | 14.64% | 14.74% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 712.10 | 15.57 | ₹10.96 L Cr | 1.77% | - | 8.63% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.20 | 19.03 | ₹10.19 L Cr | 0.82% | - | 14.93% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,016.10 | 11.15 | ₹9.38 L Cr | 1.60% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.50 | 34.76 | ₹6.60 L Cr | 0.47% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 415.35 | 9.14 | ₹5.25 L Cr | 2.58% | - | 32.53% | 7.26% | 16.86% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 424.50 | 21.89 | ₹4.22 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 8 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 15.07 | ₹3.96 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,970.00 | 32.30 | ₹3.15 L Cr | 0.06% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | 125.28 Cr | 128.63 Cr | 132.67 Cr | 145.78 Cr | 146.46 Cr | 159.63 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | 77.48 Cr | 81.79 Cr | 81.32 Cr | 88.98 Cr | 86.64 Cr | 95.28 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 127.85 Cr | 128.40 Cr | 137.29 Cr | 152.61 Cr | 152.46 Cr | 154.67 Cr |
| Pretax Income | 45.64 Cr | 44.99 Cr | 42.51 Cr | 45.89 Cr | 54.03 Cr | 55.00 Cr |
| Tax Provision | 11.59 Cr | 10.75 Cr | 10.50 Cr | 11.48 Cr | 13.95 Cr | 13.70 Cr |
| Net Income | 34.05 Cr | 34.24 Cr | 32.01 Cr | 34.41 Cr | 40.08 Cr | 41.30 Cr |
| Diluted EPS | 7.54 | 7.53 | 7.05 | 7.58 | 8.79 | 9.06 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Revenue | 371.45 Cr | 413.11 Cr | 496.20 Cr | 559.67 Cr |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | 222.75 Cr | 258.33 Cr | 310.79 Cr | 346.18 Cr |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 354.02 Cr | 449.18 Cr | 498.30 Cr | 587.18 Cr |
| Pretax Income | 124.15 Cr | 148.22 Cr | 175.13 Cr | 188.81 Cr |
| Tax Provision | 30.56 Cr | 36.69 Cr | 43.48 Cr | 47.41 Cr |
| Net Income | 93.60 Cr | 111.53 Cr | 131.65 Cr | 141.39 Cr |
| Diluted EPS | 20.78 | 30.45 | 29.09 | 31.09 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Total Assets | 7,990.77 Cr | 9,295.28 Cr | 10,107.51 Cr | 12,143.94 Cr |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 930.15 Cr | 1,359.12 Cr | 1,041.76 Cr | 1,402.41 Cr |
| Inventory | - | - | - | - |
| Receivables | 36.87 Cr | 40.84 Cr | 39.91 Cr | 68.43 Cr |
| Total Liabilities | 7,380.16 Cr | 8,097.86 Cr | 8,767.38 Cr | 10,682.91 Cr |
| Current Liabilities | - | - | - | - |
| Long Term Debt | - | - | - | - |
| Total Debt | 721.38 Cr | 472.25 Cr | 320.58 Cr | 499.43 Cr |
| Total Equity | 610.61 Cr | 1,197.42 Cr | 1,340.14 Cr | 1,461.03 Cr |
| Shares Outstanding | 4.50 Cr | 4.50 Cr | 4.52 Cr | 4.54 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 74.88 Cr | 115.89 Cr | 279.49 Cr | -385.09 Cr |
| Investing Cash Flow | - | -201.99 Cr | -165.34 Cr | -56.45 Cr | -36.70 Cr |
| Financing Cash Flow | - | 221.52 Cr | 222.58 Cr | -155.13 Cr | 163.40 Cr |
| Capital Expenditure | - | -19.76 Cr | -18.45 Cr | -21.19 Cr | -27.38 Cr |
| Free Cash Flow | - | 55.12 Cr | 97.44 Cr | 258.30 Cr | -412.47 Cr |
| Net Change in Cash | - | 94.41 Cr | 173.13 Cr | 67.91 Cr | -258.39 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CAPITALSFB
Capital Small Finance Bank (CAPITALSFB.NS): Price Slips Over 4.5% as Selling Pressure Intensifies - Technical Analysis Picks - vinanet.vn
<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxNV1BnV1NkWWFUb09HaUg4eWxObjFFLUZydGJWTUlYY3ZSM0xTVGZsTDhweDV0RUpadExDa0JQQTNKczRodGc1UFRSR0JJTnM5Qk1yaDJmZlhzaERKc3NuNnlTeTFyN2psNk1rMDJxWWpIdFNzQ3pnMkllOTFJR09uWFNJSkU3UDBWelMzTW…
Capital Small Finance Bank (CAPITALSFB.NS) Edges Lower to ₹281.65: Key Levels to Track - Impulse Wave - siam.in
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Capital Small Finance Bank Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
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Capital Small Finance Bank (CAPITALSFB.NS) Holds Steady at ₹268: Consolidation Phase After Mild Uptick - Head and Shoulders - vinanet.vn
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Capital (CAPITALSFB.NS) Q2 2026 Results: The Latest Financial Metrics Are Now Available under the Current Snapshot; Reported Share Move: The Market Price Advances 2.20% in the Latest Session - Earnings Per Share - siam.in
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CAPITALSFB Q2 2026 Earnings: Steady Revenue Growth Amid Stable Earnings Performance - Dividend Increase Stocks - vinanet.vn
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CAPITALSFB — Frequently Asked Questions
What is the current share price of Capital Small Finance Bank Limited (CAPITALSFB)?
As of 2026-09-08 04:53 IST, Capital Small Finance Bank Limited (CAPITALSFB) trades at ₹280.95 on NSE. Its 52-week range is ₹215.23 to ₹305.25.
What is the market capitalisation of CAPITALSFB?
Capital Small Finance Bank Limited (CAPITALSFB) has a market capitalisation of ₹1,276.04 Cr on NSE.
What is the P/E ratio of CAPITALSFB?
CAPITALSFB trades at a trailing price-to-earnings (P/E) ratio of 9.04. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.90.
Does CAPITALSFB pay a dividend?
Capital Small Finance Bank Limited (CAPITALSFB) currently offers a dividend yield of 1.69%.
What is the return on equity (ROE) of CAPITALSFB?
CAPITALSFB has a return on equity (ROE) of 9.68%.
Is CAPITALSFB a good stock to buy?
This page provides a data-driven analysis of Capital Small Finance Bank Limited (CAPITALSFB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.