Share Price and Basic Stock Data
Last Updated: November 28, 2025, 10:34 am
| PEG Ratio | 1.44 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Capital Small Finance Bank Ltd operates within the private sector banking industry, focusing on delivering financial services to underserved segments. As of the latest reporting, the bank’s share price stood at ₹282, with a market capitalization of ₹1,287 Cr. Revenue growth has been consistent, with reported revenues increasing from ₹578 Cr in FY 2022 to ₹676 Cr in FY 2023, and projected to reach ₹794 Cr in FY 2024 and ₹908 Cr in FY 2025. The quarterly revenue figures illustrate a steady upward trajectory, rising from ₹153 Cr in March 2022 to ₹197 Cr in September 2023, further climbing to ₹204 Cr by December 2023. This sustained revenue growth indicates a robust operational strategy, likely supported by expanding loan portfolios and enhanced customer acquisition efforts. Notably, the bank’s financing profit improved significantly from a loss of ₹4 lakh in FY 2018 to a profit of ₹106 Cr in FY 2025, demonstrating its ability to optimize financial margins effectively.
Profitability and Efficiency Metrics
Capital Small Finance Bank has reported a net profit of ₹135 Cr, translating to a price-to-earnings (P/E) ratio of 9.52, which is favorable compared to many peers in the sector. The return on equity (ROE) stood at 10.4%, indicating a reasonable level of profitability relative to shareholders’ equity. The return on capital employed (ROCE) was reported at 7.04%, suggesting effective utilization of capital in generating profits. The bank’s net profit margin has shown a healthy upward trend, reaching 14.49% in FY 2025, up from 10.82% in FY 2022. Additionally, the cost-to-income ratio recorded at 62.63% highlights efficient expense management, although a lower ratio would be preferable to enhance profitability further. The financing margin has varied, with a notable peak of 14% in FY 2023, suggesting periods of strong interest income relative to expenses, although it has since moderated to 12% in FY 2025.
Balance Sheet Strength and Financial Ratios
The balance sheet of Capital Small Finance Bank reflects a prudent financial structure, although specific figures for reserves and borrowings were not disclosed. The bank’s total assets are supported by consistent growth in net profit, which reached ₹135 Cr in the latest fiscal year. The bank’s book value per share has appreciated significantly, reaching ₹296.18 in FY 2025, compared to ₹151.50 in FY 2022, indicating enhanced shareholder value over time. The gross non-performing assets (NPA) ratio stood at 2.58% in March 2025, demonstrating relatively good asset quality compared to industry standards, which typically see NPAs between 5% to 10%. The net NPA ratio was recorded at 1.30%, indicating effective management of bad loans. The bank’s interest income per employee has also shown improvement, reaching ₹45,424,479, reflecting enhanced productivity and operational efficiency.
Shareholding Pattern and Investor Confidence
As of the latest reporting, the shareholding structure of Capital Small Finance Bank indicates a diverse ownership landscape. Promoters hold 18.75% of the total shares, while foreign institutional investors (FIIs) have a minor stake of 1.26%. Domestic institutional investors (DIIs) represent a significant portion at 27.97%, indicating strong institutional confidence in the bank’s prospects. The public holds the majority at 52.01%, suggesting a healthy retail investor base. Over recent quarters, the proportion of DIIs has seen fluctuations, indicating varying levels of institutional interest. The number of shareholders has decreased from 89,964 in March 2024 to 67,317 in September 2025, which may raise concerns about liquidity and investor sentiment. However, the consistent dividend payout, which rose to ₹4.00 per share in FY 2025, reinforces investor confidence and may attract further interest from both institutional and retail investors.
Outlook, Risks, and Final Insight
The outlook for Capital Small Finance Bank appears positive, bolstered by consistent revenue growth and improving profitability metrics. However, potential risks include the rising gross NPA ratio, which, although currently manageable, could impact future profitability if not addressed. Additionally, the bank’s reliance on interest income exposes it to fluctuations in interest rates, which could affect margins. The recent increase in competition within the private banking sector may also challenge market positioning. Nonetheless, the bank’s effective cost management and improving operational metrics suggest it is well-positioned to navigate these challenges. With its focus on underserved segments and a commitment to enhancing customer service, Capital Small Finance Bank could leverage its strengths to sustain growth and profitability in the evolving financial landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Capital Small Finance Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,555 Cr. | 307 | 369/180 | 31.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,371 Cr. | 26.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,259 Cr. | 278 | 331/250 | 9.30 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,601 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,582 Cr. | 54.6 | 56.2/30.8 | 25.4 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,597.57 Cr | 421.84 | 18.77 | 241.49 | 0.58% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Mar 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 153 | 168 | 177 | 179 | 189 | 197 | 204 | 204 | 218 | 224 | 235 | 231 | 247 |
| Interest | 82 | 87 | 90 | 94 | 102 | 113 | 117 | 117 | 119 | 123 | 128 | 128 | 137 |
| Expenses | 60 | 63 | 61 | 68 | 60 | 68 | 67 | 70 | 76 | 82 | 80 | 84 | 90 |
| Financing Profit | 11 | 19 | 25 | 16 | 27 | 16 | 20 | 17 | 24 | 19 | 27 | 19 | 20 |
| Financing Margin % | 7% | 11% | 14% | 9% | 14% | 8% | 10% | 8% | 11% | 8% | 12% | 8% | 8% |
| Other Income | 16 | 12 | 12 | 15 | 13 | 16 | 18 | 21 | 17 | 26 | 18 | 26 | 23 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 27 | 31 | 37 | 32 | 40 | 32 | 38 | 38 | 40 | 44 | 46 | 45 | 43 |
| Tax % | 30% | 25% | 24% | 24% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% |
| Net Profit | 19 | 23 | 28 | 24 | 30 | 24 | 29 | 28 | 30 | 33 | 34 | 34 | 32 |
| EPS in Rs | 8.17 | 6.26 | 6.66 | 7.40 | 7.53 | 7.57 | 7.07 | ||||||
| Gross NPA % | 2.50% | 2.60% | 2.96% | 2.77% | 2.81% | 2.73% | 2.97% | 2.76% | 2.69% | 2.61% | 2.67% | 2.58% | 2.74% |
| Net NPA % | 1.36% | 1.35% | 1.60% | 1.36% | 1.37% | 1.36% | 1.53% | 1.40% | 1.35% | 1.29% | 1.35% | 1.30% | 1.39% |
Last Updated: August 1, 2025, 5:45 am
Below is a detailed analysis of the quarterly data for Capital Small Finance Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 137.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 128.00 Cr. (Mar 2025) to 137.00 Cr., marking an increase of 9.00 Cr..
- For Expenses, as of Jun 2025, the value is 90.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 84.00 Cr. (Mar 2025) to 90.00 Cr., marking an increase of 6.00 Cr..
- For Other Income, as of Jun 2025, the value is 23.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26.00 Cr. (Mar 2025) to 23.00 Cr., marking a decrease of 3.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 43.00 Cr.. The value appears to be declining and may need further review. It has decreased from 45.00 Cr. (Mar 2025) to 43.00 Cr., marking a decrease of 2.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 24.00% (Mar 2025) to 25.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 32.00 Cr.. The value appears to be declining and may need further review. It has decreased from 34.00 Cr. (Mar 2025) to 32.00 Cr., marking a decrease of 2.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 7.07. The value appears to be declining and may need further review. It has decreased from 7.57 (Mar 2025) to 7.07, marking a decrease of 0.50.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 3:42 am
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 271 | 346 | 458 | 511 | 578 | 676 | 794 | 908 | 970 |
| Interest | 166 | 211 | 286 | 313 | 323 | 354 | 449 | 498 | 538 |
| Expenses | 108 | 128 | 166 | 174 | 209 | 227 | 248 | 304 | 342 |
| Financing Profit | -4 | 7 | 7 | 24 | 46 | 95 | 97 | 106 | 90 |
| Financing Margin % | -1% | 2% | 2% | 5% | 8% | 14% | 12% | 12% | 9% |
| Other Income | 23 | 31 | 43 | 46 | 54 | 49 | 68 | 86 | 90 |
| Depreciation | 0 | 12 | 15 | 16 | 16 | 21 | 17 | 17 | 0 |
| Profit before tax | 19 | 27 | 35 | 54 | 84 | 124 | 148 | 175 | 180 |
| Tax % | 0% | 28% | 27% | 24% | 26% | 25% | 25% | 25% | |
| Net Profit | 19 | 19 | 25 | 41 | 63 | 94 | 112 | 132 | 135 |
| EPS in Rs | 24.76 | 29.10 | 29.87 | ||||||
| Dividend Payout % | 0% | 3% | 0% | 7% | 5% | 4% | 5% | 14% |
YoY Net Profit Growth
| Year | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 0.00% | 31.58% | 64.00% | 53.66% | 49.21% | 19.15% | 17.86% |
| Change in YoY Net Profit Growth (%) | 0.00% | 31.58% | 32.42% | -10.34% | -4.45% | -30.06% | -1.29% |
Capital Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2018-2019 to 2024-2025.
Growth
Last Updated: September 5, 2025, 2:46 pm
No data available for the Balance Sheet data table.
Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
Financial Efficiency Indicators
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 8% | 10% | 13% | 17% | 12% | 10% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Nippon India Small Cap Fund | 1,566,472 | 0.13 | 60.04 | 1,566,472 | 2025-04-22 17:25:13 | 0% |
| WhiteOak Capital Flexi Cap Fund | 259,840 | 0.32 | 9.96 | 259,840 | 2025-04-22 17:25:13 | 0% |
| 360 ONE FlexiCap Fund | 213,664 | 2.05 | 8.19 | 213,664 | 2025-04-22 17:25:13 | 0% |
| WhiteOak Capital Mid Cap Fund | 135,744 | 0.32 | 5.2 | 135,744 | 2025-04-22 17:25:13 | 0% |
| 360 ONE Balanced Hybrid Fund | 130,798 | 0.74 | 4.44 | 130,798 | 2025-04-22 17:25:13 | 0% |
| WhiteOak Capital Banking & Financial Services Fund | 72,837 | 2.3 | 2.79 | 72,837 | 2025-04-22 17:25:13 | 0% |
| WhiteOak Capital Multi Cap Fund | 61,888 | 0.31 | 2.37 | 61,888 | 2025-04-22 17:25:13 | 0% |
| WhiteOak Capital Balanced Advantage Fund | 58,603 | 0.26 | 2.25 | 58,603 | 2025-04-22 17:25:13 | 0% |
| Whiteoak Capital Large & Mid Cap Fund | 17,278 | 0.07 | 0.66 | 17,278 | 2025-04-22 17:25:13 | 0% |
| WhiteOak Capital ELSS Tax Saver Fund | 12,608 | 0.3 | 0.48 | 12,608 | 2025-04-22 17:25:13 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 29.18 | 30.65 | 27.35 | 18.41 | 12.04 |
| Diluted EPS (Rs.) | 29.18 | 30.45 | 27.21 | 18.22 | 11.98 |
| Cash EPS (Rs.) | 32.85 | 28.51 | 33.36 | 23.11 | 16.89 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 296.18 | 265.84 | 178.27 | 151.50 | 132.94 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 296.18 | 265.84 | 178.27 | 151.50 | 132.94 |
| Dividend / Share (Rs.) | 4.00 | 1.20 | 1.20 | 1.00 | 0.80 |
| Operating Revenue / Share (Rs.) | 200.79 | 176.35 | 197.36 | 169.84 | 150.82 |
| Net Profit / Share (Rs.) | 29.09 | 24.76 | 27.32 | 18.38 | 12.03 |
| Interest Income / Employee (Rs.) | 4542479.00 | 4234144.46 | 3738976.77 | 3517141.12 | 3168767.04 |
| Net Profit / Employee (Rs.) | 658236.00 | 594484.54 | 517676.99 | 380590.02 | 252688.97 |
| Business / Employee (Rs.) | 77064953.00 | 72241103.94 | 66312549.78 | 64970553.53 | 55439628.25 |
| Interest Income / Branch (Rs.) | 46589528.21 | 44877146.89 | 39765117.65 | 35914161.49 | 32369556.96 |
| Net Profit / Branches (Rs.) | 6751138.46 | 6300864.41 | 5505647.06 | 3886273.29 | 2581265.82 |
| Business / Branches (Rs.) | 790409774.36 | 765674073.45 | 705253470.59 | 663426024.84 | 566326329.11 |
| Net Profit Margin (%) | 14.49 | 14.04 | 13.84 | 10.82 | 7.97 |
| Operating Profit Margin (%) | 26.53 | 26.98 | 25.19 | 20.21 | 16.68 |
| Return On Assets (%) | 1.30 | 1.19 | 1.17 | 0.87 | 0.64 |
| Return On Equity / Networth (%) | 9.82 | 9.31 | 15.32 | 12.13 | 9.04 |
| Net Interest Margin (X) | 4.05 | 3.71 | 4.02 | 3.56 | 3.11 |
| Cost To Income (%) | 62.63 | 62.51 | 59.96 | 63.41 | 70.75 |
| Interest Income / Total Assets (%) | 8.98 | 8.54 | 8.45 | 8.08 | 8.02 |
| Non-Interest Income / Total Assets (%) | 0.85 | 0.73 | 0.61 | 0.75 | 0.71 |
| Operating Profit / Total Assets (%) | 0.45 | 0.46 | 0.55 | 0.11 | -0.07 |
| Operating Expenses / Total Assets (%) | 3.07 | 2.77 | 2.78 | 2.74 | 2.71 |
| Interest Expenses / Total Assets (%) | 4.93 | 4.83 | 4.43 | 4.51 | 4.91 |
| Enterprise Value (Rs.Cr.) | 9163.87 | 8954.34 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 10.09 | 11.27 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 0.87 | 1.31 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 1.29 | 1.98 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 95.89 | 96.19 | 96.34 | 95.65 | 100.00 |
| Earnings Yield (X) | 0.11 | 0.07 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for Capital Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 29.18. This value is within the healthy range. It has decreased from 30.65 (Mar 24) to 29.18, marking a decrease of 1.47.
- For Diluted EPS (Rs.), as of Mar 25, the value is 29.18. This value is within the healthy range. It has decreased from 30.45 (Mar 24) to 29.18, marking a decrease of 1.27.
- For Cash EPS (Rs.), as of Mar 25, the value is 32.85. This value is within the healthy range. It has increased from 28.51 (Mar 24) to 32.85, marking an increase of 4.34.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 296.18. It has increased from 265.84 (Mar 24) to 296.18, marking an increase of 30.34.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 296.18. It has increased from 265.84 (Mar 24) to 296.18, marking an increase of 30.34.
- For Dividend / Share (Rs.), as of Mar 25, the value is 4.00. This value exceeds the healthy maximum of 3. It has increased from 1.20 (Mar 24) to 4.00, marking an increase of 2.80.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 29.09. This value is within the healthy range. It has increased from 24.76 (Mar 24) to 29.09, marking an increase of 4.33.
- For Net Profit Margin (%), as of Mar 25, the value is 14.49. This value exceeds the healthy maximum of 10. It has increased from 14.04 (Mar 24) to 14.49, marking an increase of 0.45.
- For Return On Assets (%), as of Mar 25, the value is 1.30. This value is below the healthy minimum of 5. It has increased from 1.19 (Mar 24) to 1.30, marking an increase of 0.11.
- For Retention Ratios (%), as of Mar 25, the value is 95.89. This value exceeds the healthy maximum of 70. It has decreased from 96.19 (Mar 24) to 95.89, marking a decrease of 0.30.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Capital Small Finance Bank Ltd:
- Net Profit Margin: 14.49%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 9.3 (Industry average Stock P/E: 18.77)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 14.49%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | MIDAS Corporate Park, Jalandhar Punjab 144001 | investorrelations@capitalbank.co.in http://www.capitalbank.co.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Navin Kumar Maini | Part Time Chairman & Independent Director |
| Mr. Sarvjit Singh Samra | Managing Director & CEO |
| Mr. Munish Jain | Executive Director |
| Mr. Dinesh Gupta | Director |
| Mr. Mahesh Parasuraman | Director |
| Mr. Balbir Singh | Director |
| Mr. Sukhen Pal Babuta | Director |
| Mr. Gurpreet Singh Chug | Director |
| Mr. Sham Singh Bains | Director |
| Mr. Nageswara Rao Yalamanchili | Director |
| Mr. Kamaldeep Singh Sangha | Director |
| Ms. Rachna Dikshit | Director |