Capital Small Finance Bank Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Capital Small Finance Bank Ltd?

Capital Small Finance Bank Ltd is trading at 228.00 as of 23 April 2026, with a FY2026-2027 high of 331 and low of 207. The stock is currently near its 52-week low. Market cap stands at 1,038 Cr..

Q: Is Capital Small Finance Bank Ltd financially healthy?

Key indicators: ROCE of 7.04 % is on the lower side. Dividend yield is 1.75 %.

Q: Is Capital Small Finance Bank Ltd profitable and how is the profit trend?

Capital Small Finance Bank Ltd reported a net profit of 132 Cr in Mar 2025 on revenue of 908 Cr. Compared to 63 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹198.17Overvalued by 13.08%vs CMP ₹228.00

P/E (7.7) × ROE (10.4%) × BV (₹306.00) × DY (1.75%)

₹256.14Undervalued by 12.34%vs CMP ₹228.00

MoS: +11% (Thin)Confidence: 43/100 (Low)Models: 4 Under, 2 Fair, 2 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹211.08	24%	Fair (-7.4%)
Graham Number	Earnings	₹453.87	15%	Under (+99.1%)
Earnings Power	Earnings	₹205.62	12%	Fair (-9.8%)
DCF	Cash Flow	₹430.89	15%	Under (+89%)
Net Asset Value	Assets	₹305.54	8%	Under (+34%)
EV/EBITDA	Enterprise	₹37.34	10%	Over (-83.6%)
Dividend Discount	Dividends	₹15.53	10%	Over (-93.2%)
Earnings Yield	Earnings	₹299.20	8%	Under (+31.2%)
Consensus (8 models)		₹256.14	100%	Undervalued

Key Drivers: Wide model spread (₹16–₹454) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 6.5%

*Investments are subject to market risks

Analyst Summary

Capital Small Finance Bank Ltd operates in the Finance - Banks - Private Sector segment, NSE: CAPITALSFB | BSE: 544120, current market price is ₹228.00, market cap is 1,038 Cr.. At a glance, stock P/E is 7.65, ROE is 10.4 %, ROCE is 7.04 %, book value is 306, dividend yield is 1.75 %. The latest intrinsic value estimate is ₹256.14, which is about 12.3% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹908 Cr versus the prior period change of 14.4%, while latest net profit is about ₹132 Cr with a prior-period change of 17.9%. The 52-week range shown on this page is 331/207, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisCapital Small Finance Bank Ltd. is a Public Limited Listed company incorporated on 31/05/1999 and has its registered office in the State of Punjab, India. Company's Corporate Identification Number(CIN…

This summary is generated from the stock page data available for Capital Small Finance Bank Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Capital Small Finance Bank Ltd scores 55/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health57/100 · Moderate

ROCE 7.0% WeakROE 10.4% AverageD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money40/100 · Moderate

FII holding stable No changeDII holding down 3.72% MF sellingPromoter holding at 18.0% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum58/100 · Moderate

Profit (4Q): +8% YoY Positive

Industry Rank65/100 · Strong

P/E 7.7 vs industry 15.0 Cheaper than peersROCE 7.0% vs industry 6.8% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:18 am

Market Cap	1,038 Cr.
Current Price	228
Intrinsic Value	₹256.14
High / Low	331/207
Stock P/E	7.65
Book Value	306
Dividend Yield	1.75 %
ROCE	7.04 %
ROE	10.4 %
Face Value	10.0
PEG Ratio	1.17

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Capital Small Finance Bank Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Capital Small Finance Bank Ltd	1,038 Cr.	228	331/207	7.65	306	1.75 %	7.04 %	10.4 %	10.0
Fino Payments Bank Ltd	1,036 Cr.	125	339/110	14.5	90.5	0.00 %	6.64 %	13.3 %	10.0
ESAF Small Finance Bank Ltd	1,157 Cr.	22.4	36.2/19.7		33.9	0.00 %	4.28 %	23.5 %	10.0
Dhanlaxmi Bank Ltd	888 Cr.	22.5	33.5/19.4	10.1	36.4	0.00 %	5.47 %	5.48 %	10.0
DCB Bank Ltd	5,371 Cr.	167	204/102	7.64	186	0.81 %	7.67 %	11.4 %	10.0
Industry Average	135,761.26 Cr	305.67		15.04	214.17	0.61%	6.84%	11.80%	6.30

All Competitor Stocks of Capital Small Finance Bank Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	177	179	189	197	204	204	218	224	235	231	247	256	272
Interest	90	94	102	113	117	117	119	123	128	128	137	145	153
Expenses	61	68	60	68	67	70	76	82	80	84	90	88	100
Financing Profit	25	16	27	16	20	17	24	19	27	19	20	23	19
Financing Margin %	14%	9%	14%	8%	10%	8%	11%	8%	12%	8%	8%	9%	7%
Other Income	12	15	13	16	18	21	17	26	18	26	23	23	26
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	37	32	40	32	38	38	40	44	46	45	43	46	46
Tax %	24%	24%	25%	25%	25%	25%	25%	25%	25%	24%	25%	25%	25%
Net Profit	28	24	30	24	29	28	30	33	34	34	32	35	34
EPS in Rs					8.17	6.26	6.66	7.40	7.53	7.57	7.07	7.70	7.58
Gross NPA %	2.96%	2.77%	2.81%	2.73%	2.97%	2.76%	2.69%	2.61%	2.67%	2.58%	2.74%	2.70%	2.68%
Net NPA %	1.60%	1.36%	1.37%	1.36%	1.53%	1.40%	1.35%	1.29%	1.35%	1.30%	1.39%	1.38%	1.35%

Last Updated: February 2, 2026, 5:46 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 2:05 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	1,007
Interest	166	211	286	313	323	354	449	498	563
Expenses	108	128	166	174	209	227	248	304	362
Financing Profit	-4	7	7	24	46	95	97	106	82
Financing Margin %	-1%	2%	2%	5%	8%	14%	12%	12%	8%
Other Income	23	31	43	46	54	49	68	86	98
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	136
EPS in Rs							24.76	29.10	29.92
Dividend Payout %	0%	3%	0%	7%	5%	4%	5%	14%

Profit & Loss Yearly Chart

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

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	8	-80	174	-211	75	116	279
Cash from Investing Activity +	-31	-22	-12	-13	-202	-165	-56
Cash from Financing Activity +	134	192	197	-120	222	223	-155
Net Cash Flow	111	90	359	-344	94	173	68
Free Cash Flow	-23	-102	162	-224	55	98	258
CFO/OP	9%	-23%	56%	-51%	24%	29%	53%

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	18.85%	18.85%	18.84%	18.77%	18.77%	18.77%	18.75%	17.96%
FIIs	1.38%	1.33%	1.33%	1.36%	1.29%	1.34%	1.26%	0.43%
DIIs	33.09%	32.58%	31.71%	31.31%	31.85%	31.50%	27.97%	28.13%
Public	46.70%	47.24%	48.12%	48.56%	48.08%	48.38%	52.01%	53.49%
No. of Shareholders	89,964	82,280	76,543	73,880	70,112	68,325	67,317	65,504

Shareholding Pattern Chart

No. of Shareholders

Capital Small Finance Bank Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
360 ONE Balanced Hybrid Fund	121,461	0.39	2.88	130,798	2026-01-26 06:49:23	-7.14%

ROCE Trend

EPS Trend

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Capital Small Finance Bank Ltd. is a Public Limited Listed company incorporated on 31/05/1999 and has its registered office in the State of Punjab, India. Company's Corporate Identification Number(CIN) is L65110PB1999PLC022634 and registration number is 022634. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 908.50 Cr. and Equity Capital is Rs. 45.25 Cr. for the Year ended 31/03/2025.

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 and is it undervalued?

As of 23 April 2026, Capital Small Finance Bank Ltd's intrinsic value is ₹256.14, which is 12.34% higher than the current market price of ₹228.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (10.4 %), book value (₹306), dividend yield (1.75 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Capital Small Finance Bank Ltd?

Capital Small Finance Bank Ltd is trading at ₹228.00 as of 23 April 2026, with a FY2026-2027 high of ₹331 and low of ₹207. The stock is currently near its 52-week low. Market cap stands at ₹1,038 Cr..

How does Capital Small Finance Bank Ltd's P/E ratio compare to its industry?

Capital Small Finance Bank Ltd has a P/E ratio of 7.65, which is below the industry average of 15.04. This is broadly in line with or below the industry average.

Is Capital Small Finance Bank Ltd financially healthy?

Key indicators for Capital Small Finance Bank Ltd: ROCE of 7.04 % is on the lower side compared to the industry average of 6.84%. Dividend yield is 1.75 %.

Is Capital Small Finance Bank Ltd profitable and how is the profit trend?

Capital Small Finance Bank Ltd reported a net profit of ₹132 Cr in Mar 2025 on revenue of ₹908 Cr. Compared to ₹63 Cr in Mar 2022, the net profit shows an improving trend.

Does Capital Small Finance Bank Ltd pay dividends?

Capital Small Finance Bank Ltd has a dividend yield of 1.75 % at the current price of ₹228.00. The company pays dividends, though the yield is modest.