Capital Small Finance Bank Ltd.

•

capital.bank.inBSE: 544120NSE: CAPITALSFB

Market Cap₹ 1,284 Cr.

Current Price

High / Low₹ 324 / 207

Stock P/E8.5

Book Value₹ 327

Price to Book0.69

Dividend Yield1.77 %

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 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	HDFCBANK	700.95	13.67	1080456.88	2.21	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1428.00	18.27	1024929.49	0.84	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	424.65	20.81	422427.21	0.15	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1255.00	14.07	390712.28	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	91.38	10.54	98255.45	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	353.10	18.64	87288.79	0.34	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1079.45	44.46	81021.15	0.09	795.95	37.03	5302.74	21.11	14.17	56.24
8.	INDUSINDBK	977.10	57.57	76129.82	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	84.95	31.78	73241.42	0.29	1147.82	153.12	11051.09	14.61	5.42	38.45
10.	YESBANK	22.18	18.44	69619.24	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	389.50	67.19	60409.09	0.26	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	CAPITALSFB	282.50	8.52	1284.39	1.77	41.30	29.02	288.18	16.63	12.80	63.69

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	189	197	204	204	218	224	235	231	247	256	272	273	288
Interest Expended	102	113	117	117	119	123	128	128	137	145	153	152	155
Net Interest Income	87	84	87	87	99	101	107	103	110	112	119	121	134
	13	16	18	21	17	26	18	26	23	23	26	26	26
Total Income	0	0	0	0	0	0	0	0	0	0	0	0	314
Operating Expenses	59	66	66	68	73	78	77	82	81	84	94	87	95
Operating Profit	41	34	40	39	43	48	48	47	51	51	52	60	64
Provisions & Contingencies	2	2	2	2	2	4	2	2	9	4	6	6	9
Profit before Tax	40	32	38	38	40	44	46	45	43	46	46	54	55
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 Profit	30	24	29	28	30	33	34	34	32	35	34	40	41
EPS	9	7	8	7	7	7	8	8	7	8	8	9	1
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.47%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.14%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	4.21%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	36.70%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	21.58%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.30%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	794	908	1,049	—
Interest Expended	150	166	211	286	313	323	354	449	498	587	605
Net Interest Income	-150	-166	-211	-286	-313	-323	-354	345	410	461	—
	20	23	31	43	46	54	49	68	86	98	102
Total Income	0	0	0	0	0	0	0	862	995	1,147	314
	0	0	0	0	0	0	0	258	311	346	—
Operating Profit	-150	-166	-211	-286	-313	-323	-354	155	185	214	—
	1	2	4	8	19	17	25	7	10	25	—
Profit before Tax	22	30	27	35	54	84	124	148	175	189	201
Tax %	0	0	0	0	0	0	0	25	25	25	25
Net Profit	15	19	19	25	41	63	94	112	132	141	151
EPS	0	0	0	0	12	18	27	25	29	31	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	0	0	0	0	0	0	0	63	63	62	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—

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:: 0%

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	27	28	28	34	34	34	34	45	45	45
	163	205	222	373	417	482	576	1,145	1,287	1,407
	2,378	2,851	3,667	4,447	5,221	6,046	6,561	7,478	8,323	10,018
	116	222	358	421	617	498	721	472	321	499
Other Liabilities & Provisions	36	46	45	56	83	93	98	148	124	166
Total Liabilities	2,721	3,352	4,321	5,330	6,371	7,154	7,991	1	1	1
ASSETS	-	-	-	-	-	-	-	-	-	-
	152	154	215	221	722	364	463	569	650	413
Balances with Banks & Money at Call	335	375	497	595	569	655	418	752	350	908
	783	871	862	1,052	1,212	1,357	1,489	1,706	1,819	1,973
	1,365	1,847	2,599	3,308	3,727	4,635	5,429	6,075	7,090	8,572
	50	65	84	91	87	84	83	84	88	97
	35	40	65	63	55	59	110	110	110	181
Total Assets	2,721	3,352	4,321	5,330	6,371	7,154	7,991	1	1	1
CASA Deposits	862	1,029	1,264	1,481	1,885	2,317	2,507	2,607	2,783	3,182
CASA Ratio (%)	36.25	36.11	34.47	33.31	36.11	38.31	38.21	34.87	33.44	31.76
Credit-Deposit Ratio (%)	57.41	64.81	70.87	74.40	71.38	76.65	82.75	81.24	85.19	85.57
Contingent Liabilities	22	27	42	37	38	46	56	63	79	106
Bills for Collection	0	0	0	0	0	0	0	0	0	0
Book Value per Share	70.48	82.01	87.89	120.32	132.94	151.50	178.27	264.23	294.39	319.85

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	39	-40	8	-80	174	-211	75	116	279	-385
Cash from Investing	-20	-23	-31	-22	-12	-13	-202	-165	-56	-37
Cash from Financing	75	72	134	192	197	-120	222	223	-155	163
	94	9	111	90	359	-344	94	173	68	-258

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	5.57	6.68	6.82	7.51	12.03	18.38	27.33	24.76	29.10	31.13
Book Value (₹)	70.48	82.01	87.89	120.32	132.94	151.50	178.27	264.23	294.39	319.85
Dividend per Share (₹)	0.80	0.80	0.20	0.00	0.80	1.00	1.20	1.20	4.00	5.00
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)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	14.11x	8.89x	7.11x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.32x	0.88x	0.69x
	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 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	18.84	18.77	18.77	18.77	18.75	17.96	18.01	18.29
	1.33	1.36	1.29	1.34	1.26	0.43	0.55	0.59
	31.71	31.29	31.83	31.48	27.95	28.11	28.04	27.48
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.12	48.57	48.11	48.41	52.04	53.51	53.39	53.65

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

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