Share Price and Basic Stock Data
Last Updated: October 20, 2025, 8:28 pm
| PEG Ratio | 1.54 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Capital Small Finance Bank Ltd reported a revenue of ₹676 Cr for the year ending March 2023, reflecting a significant increase from ₹578 Cr in March 2022. This upward trend continued with revenue rising to ₹794 Cr in March 2024 and further projected to reach ₹908 Cr in March 2025. The bank’s quarterly revenue has also shown consistent growth, with the latest figure for September 2023 standing at ₹197 Cr, up from ₹179 Cr in March 2023. The revenue growth trajectory is underpinned by a solid increase in interest income, which rose from ₹354 Cr in March 2023 to ₹449 Cr in March 2024. This indicates that Capital Small Finance Bank is effectively capitalizing on its lending operations, which is crucial for its long-term sustainability. However, the bank’s operating profit margin remains unreported, suggesting a potential area for improvement in operational efficiency. Overall, the revenue trends indicate a healthy growth pattern, supported by a stronger interest income base.
Profitability and Efficiency Metrics
The profitability metrics for Capital Small Finance Bank are robust, with a net profit of ₹94 Cr for the year ending March 2023, which increased to ₹112 Cr in March 2024. This growth is mirrored in the earnings per share (EPS), which rose from ₹24.76 in March 2024 to ₹29.10 in March 2025. The bank’s return on equity (ROE) stood at 10.4%, indicating efficient utilization of equity capital, although it has seen fluctuations from a high of 17% in March 2023 to a projected 10% in March 2025. Moreover, the cost-to-income ratio has significantly improved, reported at 36.65% for March 2025, down from 62.51% in March 2024. This decline signals improved efficiency in managing operational costs relative to income. However, the net interest margin remains relatively low at 4.05, suggesting that while profitability is on the rise, there is still room for enhancing net interest yield from assets.
Balance Sheet Strength and Financial Ratios
Capital Small Finance Bank’s balance sheet reflects a strong capital position with total assets amounting to ₹10,108 Cr as of March 2025, up from ₹9,295 Cr in March 2024. The bank’s reserves have also shown substantial growth, reaching ₹1,295 Cr by March 2025, indicating a solid cushion for absorbing potential losses. The reported borrowings stood at ₹321 Cr, which is significantly lower than previous years, suggesting effective management of liabilities and a focus on strengthening the equity base. The bank’s debt-to-equity ratio appears favorable, although the exact figure remains unreported. Importantly, the gross non-performing assets (NPA) ratio decreased to 2.58% in March 2025 from 2.77% in March 2023, indicating improvements in asset quality. However, the net NPA ratio fluctuated slightly, standing at 1.39% in June 2025, which suggests ongoing vigilance is required in credit risk management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Capital Small Finance Bank reveals a diversified ownership structure, with public shareholders accounting for 48.38% as of June 2025. Domestic institutional investors (DIIs) hold a significant stake of 31.50%, showcasing confidence in the bank’s growth prospects. The promoters’ stake stands at 18.77%, which has remained relatively stable, indicating a consistent commitment from the founding members. Foreign institutional investors (FIIs) hold a smaller share of 1.34%, which is modest compared to typical sector norms. The number of shareholders has also decreased to 68,325 in June 2025 from 89,964 in March 2024, potentially indicating consolidation among larger investors. This trend could either reflect a shift towards institutional ownership or a natural market adjustment. Overall, the shareholding pattern suggests a healthy level of confidence among domestic investors, although the low FII participation could be an area for potential growth.
Outlook, Risks, and Final Insight
If Capital Small Finance Bank can maintain its trajectory of revenue growth while improving its operational efficiency, it may solidify its position in the competitive banking landscape. However, challenges such as fluctuating asset quality, evidenced by the variations in NPA ratios, could pose risks to profitability. Additionally, the relatively low net interest margin indicates that the bank must enhance its pricing strategy on loans to maximize income. The decline in the number of shareholders could signal a need to engage more actively with retail investors to foster a broader ownership base. If the bank successfully addresses these challenges while leveraging its strong capital base and improving its lending practices, it may achieve sustained growth and bolster investor confidence in the long term.
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 | 2,753 Cr. | 331 | 427/180 | 32.0 | 89.8 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,485 Cr. | 28.8 | 47.6/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,253 Cr. | 276 | 331/250 | 9.37 | 304 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,059 Cr. | 22.6 | 24.3/16.0 | 25.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 9,925 Cr. | 51.3 | 51.9/30.8 | 23.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,224.52 Cr | 414.85 | 17.78 | 236.18 | 0.62% | 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: October 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 | 937 |
| Interest | 166 | 211 | 286 | 313 | 323 | 354 | 449 | 498 | 516 |
| Expenses | 108 | 128 | 166 | 174 | 209 | 227 | 248 | 304 | 336 |
| Financing Profit | -4 | 7 | 7 | 24 | 46 | 95 | 97 | 106 | 85 |
| Financing Margin % | -1% | 2% | 2% | 5% | 8% | 14% | 12% | 12% | 9% |
| Other Income | 23 | 31 | 43 | 46 | 54 | 49 | 68 | 86 | 92 |
| Depreciation | 0 | 12 | 15 | 16 | 16 | 21 | 17 | 17 | 0 |
| Profit before tax | 19 | 27 | 35 | 54 | 84 | 124 | 148 | 175 | 177 |
| Tax % | 0% | 28% | 27% | 24% | 26% | 25% | 25% | 25% | |
| Net Profit | 19 | 19 | 25 | 41 | 63 | 94 | 112 | 132 | 134 |
| EPS in Rs | 24.76 | 29.10 | 29.57 | ||||||
| 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
Balance Sheet
Last Updated: August 11, 2025, 3:34 pm
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 28 | 28 | 34 | 34 | 34 | 34 | 45 | 45 |
| Reserves | 205 | 222 | 373 | 417 | 482 | 576 | 1,152 | 1,295 |
| Deposits | 2,851 | 3,667 | 4,447 | 5,221 | 6,046 | 6,561 | 7,478 | 8,323 |
| Borrowing | 222 | 358 | 421 | 617 | 498 | 721 | 472 | 321 |
| Other Liabilities | 46 | 45 | 56 | 83 | 93 | 98 | 148 | 124 |
| Total Liabilities | 3,352 | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 |
| Fixed Assets | 65 | 84 | 91 | 87 | 84 | 83 | 84 | 88 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 871 | 863 | 1,052 | 1,212 | 1,357 | 1,489 | 1,706 | 1,819 |
| Other Assets | 2,417 | 3,375 | 4,187 | 5,072 | 5,713 | 6,420 | 7,506 | 8,200 |
| Total Assets | 3,352 | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 |
Below is a detailed analysis of the balance sheet data for Capital Small Finance Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 45.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 45.00 Cr..
- For Reserves, as of Mar 2025, the value is 1,295.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,152.00 Cr. (Mar 2024) to 1,295.00 Cr., marking an increase of 143.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 124.00 Cr.. The value appears to be improving (decreasing). It has decreased from 148.00 Cr. (Mar 2024) to 124.00 Cr., marking a decrease of 24.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 10,108.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,295.00 Cr. (Mar 2024) to 10,108.00 Cr., marking an increase of 813.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 88.00 Cr.. The value appears strong and on an upward trend. It has increased from 84.00 Cr. (Mar 2024) to 88.00 Cr., marking an increase of 4.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 1,819.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,706.00 Cr. (Mar 2024) to 1,819.00 Cr., marking an increase of 113.00 Cr..
- For Other Assets, as of Mar 2025, the value is 8,200.00 Cr.. The value appears strong and on an upward trend. It has increased from 7,506.00 Cr. (Mar 2024) to 8,200.00 Cr., marking an increase of 694.00 Cr..
- For Total Assets, as of Mar 2025, the value is 10,108.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,295.00 Cr. (Mar 2024) to 10,108.00 Cr., marking an increase of 813.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 106.00 | 125.00 | 162.00 | 169.00 | 203.00 | 221.00 | 241.00 | 296.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
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: 9.37 (Industry average Stock P/E: 15.46)
- 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 |
FAQ
What is the intrinsic value of Capital Small Finance Bank Ltd?
Capital Small Finance Bank Ltd's intrinsic value (as of 20 October 2025) is 240.43 which is 12.89% lower the current market price of 276.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,253 Cr. market cap, FY2025-2026 high/low of 331/250, reserves of ₹1,295 Cr, and liabilities of 10,108 Cr.
What is the Market Cap of Capital Small Finance Bank Ltd?
The Market Cap of Capital Small Finance Bank Ltd is 1,253 Cr..
What is the current Stock Price of Capital Small Finance Bank Ltd as on 20 October 2025?
The current stock price of Capital Small Finance Bank Ltd as on 20 October 2025 is 276.
What is the High / Low of Capital Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Capital Small Finance Bank Ltd stocks is 331/250.
What is the Stock P/E of Capital Small Finance Bank Ltd?
The Stock P/E of Capital Small Finance Bank Ltd is 9.37.
What is the Book Value of Capital Small Finance Bank Ltd?
The Book Value of Capital Small Finance Bank Ltd is 304.
What is the Dividend Yield of Capital Small Finance Bank Ltd?
The Dividend Yield of Capital Small Finance Bank Ltd is 1.45 %.
What is the ROCE of Capital Small Finance Bank Ltd?
The ROCE of Capital Small Finance Bank Ltd is 7.04 %.
What is the ROE of Capital Small Finance Bank Ltd?
The ROE of Capital Small Finance Bank Ltd is 10.4 %.
What is the Face Value of Capital Small Finance Bank Ltd?
The Face Value of Capital Small Finance Bank Ltd is 10.0.