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Capital Small Finance Bank Ltd.

•
capital.bank.inBSE: 544120NSE: CAPITALSFB
Market Cap₹ 1,239 Cr.
Current Price
High / Low₹ 324 / 207
Stock P/E8.2
Book Value₹ 327
Price to Book0.69
Dividend Yield1.83 %
ROCE12.8 %
ROE10.2 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Retail Banking: 65.8% • Treasury: 19.3% • Corporate / Wholesale banking: 11.1%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 28.2% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 22.3%
  • Solid return on assets for a lender - ROA of 1.3%
  • Healthy loan book growth of 20.9% with stable asset quality
  • Latest quarter profit grew 29.0% YoY, showing strong momentum
  • Company has delivered good sales growth of 15.4% CAGR over last 5 years

CONS

  • A large part of profit comes from other income (52.0% of PBT)
  • Equity base is being diluted - shares outstanding up 32.6%
  • Growth is decelerating - 3Y profit CAGR (14.7%) trails the 5Y trend (28.2%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.HDFCBANK708.0013.811091323.882.19203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1379.1517.65989980.040.8716209.7412.6252240.856.4416.5132.39
3.KOTAKBANK418.7020.52416508.360.165487.0623.8918354.576.4112.0519.05
4.AXISBANK1247.5013.98388399.910.087656.5122.3135541.969.8711.0463.88
5.IDBI83.449.6389718.040.002130.575.277549.287.4414.7676.80
6.FEDERALBNK344.4018.1885149.330.351297.6137.067861.589.9410.9866.11
7.AUBANK1058.0043.5779454.720.09795.9537.035302.7421.1114.1756.24
8.INDUSINDBK977.8057.6176184.770.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB86.2032.2474319.140.291147.82153.1211051.0914.615.4238.45
10.YESBANK23.4719.5273668.680.001071.8132.538054.495.928.0458.47
11.RBLBANK412.8071.2164022.780.242342.30993.4138402.401015.976.4940.95
12.CAPITALSFB272.558.221239.151.8341.3029.02288.1816.6312.8063.69
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
189197204204218224235231247256272273288
Interest Expended102113117117119123128128137145153152155
Net Interest Income8784878799101107103110112119121134
13161821172618262323262626
Total Income000000000000314
Operating Expenses59666668737877828184948795
Operating Profit41344039434848475151526064
Provisions & Contingencies2222242294669
Profit before Tax40323838404446454346465455
Tax %24.54%24.66%24.76%25.03%25.27%24.79%25.39%23.89%24.70%24.76%25.02%25.82%24.91%
Net Profit30242928303334343235344041
EPS9787778878891

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
00000007949081,049—
Interest Expended150166211286313323354449498587605
Net Interest Income-150-166-211-286-313-323-354345410461—
20233143465449688698102
Total Income00000008629951,147314
0000000258311346—
Operating Profit-150-166-211-286-313-323-354155185214—
124819172571025—
Profit before Tax223027355484124148175189201
Tax %0.00%0.00%0.00%0.00%0.00%0.00%0.00%24.75%24.83%25.11%25.14%
Net Profit15191925416394112132141151
EPS0000121827252931—

COMPOUNDED SALES GROWTH

10 Years:
19%
5 Years:
15%
3 Years:
16%

COMPOUNDED PROFIT GROWTH

10 Years:
26%
5 Years:
28%
3 Years:
15%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
-8%

RETURN ON EQUITY

10 Years:
11%
5 Years:
13%
3 Years:
11%
Last Year:
10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jun 18

₹ 0.50

Rs.5.0000 per share(50%)Final Dividend

2025

Jul 25

₹ 0.40

Rs.4.0000 per share(40%)Final Dividend

2024

Aug 16

₹ 0.12

Rs.1.2000 per share(12%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital27282834343434454545
1632052223734174825761,1451,2871,407
2,3782,8513,6674,4475,2216,0466,5617,4788,32310,018
116222358421617498721472321499
Other Liabilities & Provisions36464556839398148124166
Total Liabilities2,7213,3524,3215,3306,3717,1547,991111
ASSETS----------
152154215221722364463569650413
Balances with Banks & Money at Call335375497595569655418752350908
7838718621,0521,2121,3571,4891,7061,8191,973
1,3651,8472,5993,3083,7274,6355,4296,0757,0908,572
50658491878483848897
354065635559110110110181
Total Assets2,7213,3524,3215,3306,3717,1547,991111

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
39-408-80174-21175116279-385
Cash from Investing-20-23-31-22-12-13-202-165-56-37
Cash from Financing7572134192197-120222223-155163
94911190359-3449417368-258

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)5.576.686.827.5112.0318.3827.3324.7629.1031.13
Book Value (₹)70.4882.0187.89120.32132.94151.50178.27264.23294.39319.85
Dividend per Share (₹)0.800.800.200.000.801.001.201.204.005.00
PROFITABILITY
Net Interest Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.79%4.14%3.89%
ROA %0.63%0.63%0.51%0.53%0.70%0.93%1.24%1.29%1.36%1.27%
ROE %9.86%8.98%8.02%7.73%9.51%12.95%16.62%12.39%10.44%10.15%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%62.51%62.63%61.85%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%2.74%
Net NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.39%
Provision Coverage %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Slippage Ratio %——————————
BALANCE SHEET & LIQUIDITY
CASA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%38.30%36.94%34.74%
Credit-Deposit Ratio %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.06%0.04%0.05%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
GROWTH & VALUATION
Net Profit Growth %9.47%26.46%2.07%30.74%60.68%53.42%49.59%19.16%18.04%7.40%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%48.22%11.41%8.65%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x14.11x8.89x7.11x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.32x0.88x0.69x
0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.34%1.55%2.26%

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
18.8418.7718.7718.7718.7517.9618.0118.29
1.331.361.291.341.260.430.550.59
31.7131.2931.8331.4827.9528.1128.0427.48
Government0.000.000.000.000.000.000.000.00
48.1248.5748.1148.4152.0453.5153.3953.65

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-29
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-29 - Capital Small Finance Bank Limited has informed the Exchange about Schedule of meet

2026-08-25
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-25 - Capital Small Finance Bank Limited has informed the Exchange about Schedule of meet

2026-08-24
ESOP/ESOS/ESPS

2026-08-24 - Capital Small Finance Bank Limited has informed the Exchange regarding Grant of 3561 Options.

2026-08-11
ESOP/ESOS/ESPS

2026-08-11 - Capital Small Finance Bank Limited has informed the Exchange regarding Grant of 25582 Options.

2026-07-30
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-30 - Capital Small Finance Bank Limited has informed the Exchange about Transcript

2026-07-24
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-24 - Capital Small Finance Bank Limited has informed the Exchange about Presentation and Link of Recording

2026-07-24
Copy of Newspaper Publication

2026-07-24 - Capital Small Finance Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-23
Press Release

2026-07-23 - Capital Small Finance Bank Limited has informed the Exchange regarding a press release dated July 23, 2026, titled "Q1 FY27 Results".

2026-07-23
Investor Presentation

2026-07-23 - Capital Small Finance Bank Limited has informed the Exchange about Investor Presentation

News

Recent coverage and analyst commentary for CAPITALSFB

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