Share Price and Basic Stock Data
Last Updated: January 2, 2026, 5:12 pm
| PEG Ratio | 1.41 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Capital Small Finance Bank Ltd operates in the private sector banking industry, with a current market capitalization of ₹1,197 Cr and a share price of ₹264. The bank reported a steady increase in revenue, rising 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 reflect this upward trend, with revenues increasing from ₹168 Cr in September 2022 to ₹197 Cr in September 2023, and further to ₹204 Cr in December 2023. The bank’s interest income has also shown growth, climbing from ₹87 Cr in September 2022 to ₹113 Cr in September 2023, indicating a robust demand for lending activities. Other income has increased from ₹12 Cr in September 2022 to ₹16 Cr in September 2023, underscoring the bank’s efforts to diversify revenue streams. This consistent revenue growth positions Capital Small Finance Bank favorably within the competitive landscape of Indian private sector banks.
Profitability and Efficiency Metrics
Capital Small Finance Bank reported a net profit of ₹135 Cr, translating to a price-to-earnings (P/E) ratio of 8.85 and a return on equity (ROE) of 10.4%. The bank’s profitability metrics have shown significant improvements over the years, with net profit rising from ₹63 Cr in FY 2022 to ₹94 Cr in FY 2023 and projected at ₹112 Cr for FY 2024 and ₹132 Cr for FY 2025. The profit margins reflect a net profit margin of 14.49% in FY 2025, which is indicative of effective cost management and operational efficiency. Additionally, the financing margin has shown variability, with a notable margin of 14% in FY 2023, while for FY 2025, it is expected to stabilize around 12%. The bank’s cost-to-income ratio stands at 62.63%, which is relatively competitive compared to sector norms. These metrics highlight the bank’s focus on enhancing profitability through strategic operational efficiencies.
Balance Sheet Strength and Financial Ratios
As of March 2025, Capital Small Finance Bank reported total assets of ₹10,108 Cr, with total liabilities standing at ₹10,108 Cr as well. The bank’s reserves have significantly increased from ₹576 Cr in FY 2023 to ₹1,295 Cr in FY 2025, demonstrating a solid foundation for future growth. The capital adequacy ratio remains robust, supported by an equity capital of ₹45 Cr. The bank’s borrowings were recorded at ₹321 Cr in FY 2025, reflecting prudent financial management. The return on capital employed (ROCE) is reported at 7.04%, while the return on assets (ROA) stands at 1.30%. The price-to-book value ratio is relatively low at 0.87, suggesting that the stock may be undervalued compared to its book value. These figures exhibit a balanced approach to asset management and indicate the bank’s ability to sustain operations while pursuing growth opportunities.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Capital Small Finance Bank indicates a strong public interest, with public investors holding 52.01% of shares, while domestic institutional investors (DIIs) own 27.97%. Promoters hold a significant stake of 18.75%, reflecting their commitment to the bank’s long-term vision. However, foreign institutional investors (FIIs) have a minor stake of 1.26%, which may limit international investor confidence. Over recent quarters, the number of shareholders has decreased from 89,964 in March 2024 to 67,317 by September 2025, potentially signaling a consolidation phase. The decline in DII holdings from 33.09% in March 2024 to 27.97% in September 2025 may raise concerns about investor sentiment. Nevertheless, the substantial public ownership suggests that the bank retains a solid base of retail investors who believe in its growth potential.
Outlook, Risks, and Final Insight
Capital Small Finance Bank’s outlook appears optimistic due to its consistent revenue and profit growth, along with strong asset quality indicators, including a gross NPA ratio of 2.73% as of September 2023. However, risks such as declining DII participation and the potential for fluctuating interest rates could impact profitability and investor sentiment. Additionally, the bank’s reliance on local market conditions poses a risk in an increasingly competitive banking environment. To maintain its growth trajectory, the bank must continue to enhance operational efficiencies and diversify its income sources. Overall, if the bank successfully navigates these challenges while leveraging its strengths, it could solidify its position in the Indian banking landscape and improve shareholder returns significantly in the coming years.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,148 Cr. | 259 | 345/180 | 26.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,379 Cr. | 26.8 | 42.8/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,230 Cr. | 271 | 331/249 | 9.10 | 307 | 1.48 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 69,941 Cr. | 22.3 | 24.3/16.0 | 24.6 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,807 Cr. | 55.7 | 56.3/30.8 | 25.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 164,290.52 Cr | 427.11 | 18.80 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 168 | 177 | 179 | 189 | 197 | 204 | 204 | 218 | 224 | 235 | 231 | 247 | 256 |
| Interest | 87 | 90 | 94 | 102 | 113 | 117 | 117 | 119 | 123 | 128 | 128 | 137 | 145 |
| Expenses | 63 | 61 | 68 | 60 | 68 | 67 | 70 | 76 | 82 | 80 | 84 | 90 | 88 |
| Financing Profit | 19 | 25 | 16 | 27 | 16 | 20 | 17 | 24 | 19 | 27 | 19 | 20 | 23 |
| Financing Margin % | 11% | 14% | 9% | 14% | 8% | 10% | 8% | 11% | 8% | 12% | 8% | 8% | 9% |
| Other Income | 12 | 12 | 15 | 13 | 16 | 18 | 21 | 17 | 26 | 18 | 26 | 23 | 23 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 31 | 37 | 32 | 40 | 32 | 38 | 38 | 40 | 44 | 46 | 45 | 43 | 46 |
| Tax % | 25% | 24% | 24% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% |
| Net Profit | 23 | 28 | 24 | 30 | 24 | 29 | 28 | 30 | 33 | 34 | 34 | 32 | 35 |
| EPS in Rs | 8.17 | 6.26 | 6.66 | 7.40 | 7.53 | 7.57 | 7.07 | 7.70 | |||||
| Gross NPA % | 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 % | 1.35% | 1.60% | 1.36% | 1.37% | 1.36% | 1.53% | 1.40% | 1.35% | 1.29% | 1.35% | 1.30% | 1.39% |
Last Updated: December 27, 2025, 4:34 pm
Below is a detailed analysis of the quarterly data for Capital Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 145.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 137.00 Cr. (Jun 2025) to 145.00 Cr., marking an increase of 8.00 Cr..
- For Expenses, as of Sep 2025, the value is 88.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 90.00 Cr. (Jun 2025) to 88.00 Cr., marking a decrease of 2.00 Cr..
- For Other Income, as of Sep 2025, the value is 23.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 23.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 46.00 Cr.. The value appears strong and on an upward trend. It has increased from 43.00 Cr. (Jun 2025) to 46.00 Cr., marking an increase of 3.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 25.00%.
- For Net Profit, as of Sep 2025, the value is 35.00 Cr.. The value appears strong and on an upward trend. It has increased from 32.00 Cr. (Jun 2025) to 35.00 Cr., marking an increase of 3.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 7.70. The value appears strong and on an upward trend. It has increased from 7.07 (Jun 2025) to 7.70, marking an increase of 0.63.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:01 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
Balance Sheet
Last Updated: December 10, 2025, 4:01 am
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 28 | 28 | 34 | 34 | 34 | 34 | 45 | 45 | 45 |
| Reserves | 205 | 222 | 373 | 417 | 482 | 576 | 1,152 | 1,295 | 1,346 |
| Deposits | 2,851 | 3,667 | 4,447 | 5,221 | 6,046 | 6,561 | 7,478 | 8,323 | 9,317 |
| Borrowing | 222 | 358 | 421 | 617 | 498 | 721 | 472 | 321 | 577 |
| Other Liabilities | 46 | 45 | 56 | 83 | 93 | 98 | 148 | 124 | 149 |
| Total Liabilities | 3,352 | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 | 11,434 |
| Fixed Assets | 65 | 84 | 91 | 87 | 84 | 83 | 84 | 88 | 91 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 871 | 863 | 1,052 | 1,212 | 1,357 | 1,489 | 1,706 | 1,819 | 1,954 |
| Other Assets | 2,417 | 3,375 | 4,187 | 5,072 | 5,713 | 6,420 | 7,506 | 8,200 | 9,389 |
| Total Assets | 3,352 | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 | 11,434 |
Below is a detailed analysis of the balance sheet data for Capital Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 45.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 45.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,346.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,295.00 Cr. (Mar 2025) to 1,346.00 Cr., marking an increase of 51.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 149.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 124.00 Cr. (Mar 2025) to 149.00 Cr., marking an increase of 25.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 11,434.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,108.00 Cr. (Mar 2025) to 11,434.00 Cr., marking an increase of 1,326.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 91.00 Cr.. The value appears strong and on an upward trend. It has increased from 88.00 Cr. (Mar 2025) to 91.00 Cr., marking an increase of 3.00 Cr..
- For CWIP, as of Sep 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 Investments, as of Sep 2025, the value is 1,954.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,819.00 Cr. (Mar 2025) to 1,954.00 Cr., marking an increase of 135.00 Cr..
- For Other Assets, as of Sep 2025, the value is 9,389.00 Cr.. The value appears strong and on an upward trend. It has increased from 8,200.00 Cr. (Mar 2025) to 9,389.00 Cr., marking an increase of 1,189.00 Cr..
- For Total Assets, as of Sep 2025, the value is 11,434.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,108.00 Cr. (Mar 2025) to 11,434.00 Cr., marking an increase of 1,326.00 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
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
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
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: 9.1 (Industry average Stock P/E: 18.8)
- 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 | Contact not found |
| 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 02 January 2026) is ₹235.88 which is 12.96% lower the current market price of ₹271.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,230 Cr. market cap, FY2025-2026 high/low of ₹331/249, reserves of ₹1,346 Cr, and liabilities of ₹11,434 Cr.
What is the Market Cap of Capital Small Finance Bank Ltd?
The Market Cap of Capital Small Finance Bank Ltd is 1,230 Cr..
What is the current Stock Price of Capital Small Finance Bank Ltd as on 02 January 2026?
The current stock price of Capital Small Finance Bank Ltd as on 02 January 2026 is ₹271.
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 ₹331/249.
What is the Stock P/E of Capital Small Finance Bank Ltd?
The Stock P/E of Capital Small Finance Bank Ltd is 9.10.
What is the Book Value of Capital Small Finance Bank Ltd?
The Book Value of Capital Small Finance Bank Ltd is 307.
What is the Dividend Yield of Capital Small Finance Bank Ltd?
The Dividend Yield of Capital Small Finance Bank Ltd is 1.48 %.
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.