Share Price and Basic Stock Data
Last Updated: December 24, 2025, 4:00 am
| PEG Ratio | 1.37 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Capital Small Finance Bank Ltd has carved out a notable niche in the Indian banking landscape, particularly as a private sector player focusing on underserved segments. As of March 2025, the bank reported a revenue of ₹908 Cr, which marks a significant increase from ₹676 Cr in March 2023. This upward trajectory reflects a compound annual growth rate (CAGR) that suggests robust demand for its services. Notably, the bank’s quarterly revenues have shown consistent growth over the past year, rising from ₹179 Cr in March 2023 to ₹204 Cr by December 2023. The sustained revenue growth indicates a solid operational performance, driven by an increase in interest income, which rose from ₹354 Cr in March 2023 to ₹498 Cr in March 2025. This trend highlights the bank’s effective asset-liability management and its ability to capitalize on lending opportunities in a competitive market.
Profitability and Efficiency Metrics
On the profitability front, Capital Small Finance Bank has demonstrated commendable results. The net profit stood at ₹132 Cr in March 2025, up from ₹94 Cr in the previous year, showcasing a healthy growth trajectory. The return on equity (ROE) was reported at 10.4%, which, while slightly below the industry average, indicates that the bank is effectively utilizing its equity base to generate profits. Furthermore, the net profit margin improved to 14.49% in March 2025, reflecting operational efficiency and cost management. However, the cost-to-income ratio of 62.63% suggests that there may be room for improvement in managing operational costs. Overall, while the bank appears to be performing well in terms of profitability, maintaining a competitive edge in cost management will be crucial for future success.
Balance Sheet Strength and Financial Ratios
The strength of Capital Small Finance Bank’s balance sheet is underscored by its growing reserves, which reached ₹1,295 Cr by March 2025, up from ₹576 Cr in March 2023. This increase in reserves enhances the bank’s capacity to absorb potential losses and supports its lending activities. Additionally, the bank’s total assets stood at ₹10,108 Cr, reflecting a healthy asset base that can support ongoing growth. However, the gross non-performing assets (NPA) ratio, reported at 2.58% in March 2025, raises some concerns. While this figure is manageable, it does highlight the importance of vigilance in credit risk management. The bank’s price-to-earnings (P/E) ratio of 9.07 suggests that the stock may be undervalued compared to its earnings potential, which could attract more investors if the bank continues on its growth path.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Capital Small Finance Bank reveals a diversified ownership structure that could enhance investor confidence. As of March 2025, the public held 52.01% of shares, while domestic institutional investors (DIIs) accounted for 27.97%. Such a distribution indicates a strong retail presence, which is often seen as a positive sign for stability and governance. However, the promoter holding remains relatively low at 18.75%, which could be a concern for some investors regarding long-term commitment and control. The slight decline in foreign institutional investor (FII) participation to 1.26% may also suggest a cautious approach from international investors, possibly due to the bank’s relatively high NPA levels. Overall, the diverse shareholder base could provide a buffer against volatility, but the low promoter stake may raise questions about long-term strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, Capital Small Finance Bank is well-positioned to leverage its growth trajectory, but several risks loom on the horizon. The rising trend in NPAs, which stood at 2.58% in March 2025, could affect its profitability if not managed carefully. Additionally, the competitive landscape in the banking sector, especially with the increasing entry of fintech companies, poses a threat to traditional banking models. On the positive side, the bank’s robust revenue growth and improving net profit margins suggest that it can weather short-term challenges. For investors, the current valuation metrics, particularly the P/E ratio of 9.07, may indicate an attractive entry point, especially if the bank can successfully navigate its operational challenges. In conclusion, while the growth story is compelling, potential investors should remain vigilant about credit quality and market dynamics as they consider their positions in this bank’s stock.
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 | 2,155 Cr. | 259 | 345/180 | 26.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,369 Cr. | 26.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,198 Cr. | 264 | 331/250 | 8.86 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,215 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,326 Cr. | 53.3 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,805.57 Cr | 416.80 | 18.42 | 241.49 | 0.59% | 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: 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: 8.86 (Industry average Stock P/E: 18.42)
- 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 24 December 2025) is 229.75 which is 12.97% lower the current market price of 264.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,198 Cr. market cap, FY2025-2026 high/low of 331/250, 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 1,198 Cr..
What is the current Stock Price of Capital Small Finance Bank Ltd as on 24 December 2025?
The current stock price of Capital Small Finance Bank Ltd as on 24 December 2025 is 264.
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 8.86.
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 1.52 %.
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.