Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 197 | 204 | 204 | 218 | 224 | 235 | 231 | 247 | 256 | 272 | 273 | 288 |
| Interest | 113 | 117 | 117 | 119 | 123 | 128 | 128 | 137 | 145 | 153 | 152 | 155 |
| Expenses | 68 | 67 | 70 | 76 | 82 | 80 | 84 | 90 | 88 | 100 | 92 | 105 |
| Financing Profit | 16 | 20 | 17 | 24 | 19 | 27 | 19 | 20 | 23 | 19 | 28 | 29 |
| Financing Margin % | 8% | 10% | 8% | 11% | 8% | 12% | 8% | 8% | 9% | 7% | 10% | 10% |
| Other Income | 16 | 18 | 21 | 17 | 26 | 18 | 26 | 23 | 23 | 26 | 26 | 26 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 32 | 38 | 38 | 40 | 44 | 46 | 45 | 43 | 46 | 46 | 54 | 55 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 26% | 25% |
| Net Profit | 24 | 29 | 28 | 30 | 33 | 34 | 34 | 32 | 35 | 34 | 40 | 41 |
| EPS in Rs | 8.17 | 6.26 | 6.66 | 7.40 | 7.53 | 7.57 | 7.07 | 7.70 | 7.58 | 8.82 | 9.08 | |
| Gross NPA % | 2.73% | 2.97% | 2.76% | 2.69% | 2.61% | 2.67% | 2.58% | 2.74% | 2.70% | 2.68% | 2.54% | 2.47% |
| Net NPA % | 1.36% | 1.53% | 1.40% | 1.35% | 1.29% | 1.35% | 1.30% | 1.39% | 1.38% | 1.35% | 1.24% | 1.14% |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 271 | 346 | 458 | 511 | 578 | 676 | 794 | 908 | 1,049 | 1,090 |
| Interest | 166 | 211 | 286 | 313 | 323 | 354 | 449 | 498 | 587 | 605 |
| Expenses | 108 | 128 | 166 | 174 | 209 | 227 | 248 | 304 | 353 | 385 |
| Financing Profit | -4 | 7 | 7 | 24 | 46 | 95 | 97 | 106 | 108 | 100 |
| Financing Margin % | -1% | 2% | 2% | 5% | 8% | 14% | 12% | 12% | 10% | 9% |
| Other Income | 23 | 31 | 43 | 46 | 54 | 49 | 68 | 86 | 98 | 102 |
| Depreciation | 0 | 12 | 15 | 16 | 16 | 21 | 17 | 17 | 18 | 0 |
| Profit before tax | 19 | 27 | 35 | 54 | 84 | 124 | 148 | 175 | 189 | 201 |
| Tax % | 0% | 28% | 27% | 24% | 26% | 25% | 25% | 25% | 25% | |
| Net Profit | 19 | 19 | 25 | 41 | 63 | 94 | 112 | 132 | 141 | 151 |
| EPS in Rs | 24.76 | 29.10 | 31.13 | 33.18 | ||||||
| Dividend Payout % | 0% | 3% | 0% | 7% | 5% | 4% | 5% | 14% | 16% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 15% | 16% | 16% | ||
| Compounded Profit Growth | % | 28% | 15% | 13% | ||
| Stock Price CAGR | % | % | % | 1% | ||
| Return on Equity | % | 12% | 11% | 10% |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 28 | 28 | 34 | 34 | 34 | 34 | 45 | 45 | 45 |
| Reserves | 205 | 222 | 373 | 417 | 482 | 576 | 1,152 | 1,295 | 1,416 |
| Deposits | 2,851 | 3,667 | 4,447 | 5,221 | 6,046 | 6,561 | 7,478 | 8,323 | 10,018 |
| Borrowing | 222 | 358 | 421 | 617 | 498 | 721 | 472 | 321 | 499 |
| Other Liabilities | 46 | 45 | 56 | 83 | 93 | 98 | 148 | 124 | 166 |
| Total Liabilities | 3,352 | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 | 12,144 |
| Fixed Assets | 65 | 84 | 91 | 87 | 84 | 83 | 84 | 88 | 97 |
| 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 | 1,973 |
| Other Assets | 2,417 | 3,375 | 4,187 | 5,072 | 5,713 | 6,420 | 7,506 | 8,200 | 10,074 |
| Total Assets | 3,352 | 4,321 | 5,330 | 6,371 | 7,154 | 7,991 | 9,295 | 10,108 | 12,144 |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 8 | -80 | 174 | -211 | 75 | 116 | 279 | -385 | |
| Cash from Investing Activity | -31 | -22 | -12 | -13 | -202 | -165 | -56 | -37 | |
| Cash from Financing Activity | 134 | 192 | 197 | -120 | 222 | 223 | -155 | 163 | |
| Net Cash Flow | 111 | 90 | 359 | -344 | 94 | 173 | 68 | -258 | |
| Free Cash Flow | -23 | -102 | 162 | -224 | 55 | 98 | 258 | -412 | |
| CFO/OP | 9% | -23% | 56% | -51% | 24% | 29% | 53% | -49% |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 8% | 8% | 10% | 13% | 17% | 12% | 10% | 10% |
| Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 18.85% | 18.85% | 18.84% | 18.77% | 18.77% | 18.77% | 18.75% | 17.96% | 18.01% | 18.29% |
| FIIs | 1.38% | 1.33% | 1.33% | 1.36% | 1.29% | 1.34% | 1.26% | 0.43% | 0.55% | 0.59% |
| DIIs | 33.09% | 32.58% | 31.71% | 31.31% | 31.85% | 31.50% | 27.97% | 28.13% | 28.06% | 27.48% |
| Public | 46.70% | 47.24% | 48.12% | 48.56% | 48.08% | 48.38% | 52.01% | 53.49% | 53.39% | 53.65% |
| No. of Shareholders | 89,964 | 82,280 | 76,543 | 73,880 | 70,112 | 68,325 | 67,317 | 65,504 | 63,242 | 63,826 |
Fundamentals
Market Cap₹ 1,273 Cr.
Current Price₹ 280
Stock P/E8.45
Book Value₹ 327
ROCE7.07 %
ROE10.1 %
Dividend Yield1.79 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)16%
Compounded Profit Growth (TTM)13%
Standalone figures.
Valuation
Market capRs 1,256 Cr
Enterprise valueRs 9,249 Cr
P/E (TTM)8.33x
Price to book0.94x
Price to sales1.15x
EV / EBITDA11.24x
EV / EBIT11.48x
EV / sales8.49x
Price to cash flow4.49x
Earnings yield12.00%
Dividend yield1.44%
P/E, 3-year average11.50x
P/B, 3-year average1.09x
P/E, 5-year average11.50x
P/B, 5-year average1.09x
Profitability
Operating margin (excl. other income)66.53%
Operating margin (incl. other income)76.00%
EBITDA margin75.51%
Pre-tax margin18.47%
Net profit margin13.83%
Net margin, latest quarter14.33%
ROE10.38%
ROCE7.04%
ROA1.36%
ROE, 3-year average13.11%
ROCE, 3-year average6.82%
ROA, 3-year average1.29%
ROE, 5-year average12.36%
ROCE, 5-year average6.58%
ROA, 5-year average1.10%
ROIC (approx.)6.49%
Tax rate24.83%
Other income / net worth6.42%
Growth
Sales growth (latest year)14.37%
Profit growth (latest year)18.04%
Sales CAGR, 3 years16.25%
Sales CAGR, 5 years14.67%
Profit CAGR, 3 years28.14%
Profit CAGR, 5 years38.99%
Sales growth QoQ5.51%
Profit growth QoQ3.04%
Sales growth YoY (latest quarter)16.63%
Profit growth YoY (latest quarter)29.02%
Per share
EPS (TTM)Rs 33.30
EPS (latest year)Rs 29.10
EPS (latest quarter)Rs 9.13
EPS, 3-year averageRs 27.06
EPS, 5-year averageRs 22.32
Book value per shareRs 296.18
Sales per shareRs 240.83
Cash flow per shareRs 61.77
Free cash flow per shareRs -91.06
Dividend per share (latest year)Rs 4.00
Dividend per share, 3-year averageRs 2.13
Dividend per share, 5-year averageRs 1.64
Dividends
Dividend payout13.75%
Dividend payout, 3-year average7.66%
Dividend payout, 5-year average7.01%
Efficiency
Asset turnover0.09x
Fixed asset turnover10.35x
Leverage
Total debtRs 8,643 Cr
Cash and bankRs 650 Cr
Net debtRs 7,993 Cr
Debt to equity6.45x
Net debt / EBITDA9.71x
Interest coverage1.33x
Owners' fund to total sources13.26%
Debt to assets85.51%
Cash flow
Cash from Operating Activity (latest year)Rs 279 Cr
Cash from Investing Activity (latest year)Rs -56 Cr
Cash from Financing Activity (latest year)Rs -155 Cr
Net Cash Flow (latest year)Rs 68 Cr
Free cash flow (latest year)Rs -412 Cr
FCFE (approx.: FCF + change in debt)Rs 281 Cr
Cash from ops / profit, 5 years-0.23x
Sales to cash flow3.25x
Statement figures
Net sales (TTM)Rs 1,090 Cr
Net sales (latest year)Rs 908 Cr
Sales (latest quarter)Rs 288 Cr
Operating profit excl. other income (latest year)Rs 604 Cr
Operating profit (latest quarter)Rs 184 Cr
Other income (TTM)Rs 102 Cr
EBITDA (TTM)Rs 823 Cr
PBDT (TTM)Rs 218 Cr
Profit before tax (TTM)Rs 201 Cr
Tax (latest year)Rs 43 Cr
Net profit (TTM)Rs 151 Cr
Net profit (latest year)Rs 132 Cr
Net profit (latest quarter)Rs 41 Cr
Depreciation (TTM)Rs 17 Cr
Interest (TTM)Rs 605 Cr
Cost of goods sold (latest year)Rs 10 Cr
Total expenditure (latest year)Rs 304 Cr
Total income (latest year)Rs 995 Cr
Share capitalRs 45 Cr
ReservesRs 1,295 Cr
Shareholders' fundsRs 1,340 Cr
Total assetsRs 10,108 Cr
Net blockRs 88 Cr
InvestmentsRs 1,819 Cr
Other liabilitiesRs 124 Cr
Shares outstanding (crore)4.52
Ownership
Promoter holding18.29% (-0.48 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 8.3 is at the 3th percentile of its own 2.8-year range
(median 9.8, low 7.3, high 27.7).
P/B 0.94 is at the 3th percentile (median 1.15).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | CAPITALSFB | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -1.1% | -2.8% | +1.7 pts |
| 1 month | -2.4% | -6.8% | +4.4 pts |
| 3 months | -4.7% | -7.6% | +3.0 pts |
| 6 months | +26.8% | +0.4% | +26.4 pts |
| 1 year | -1.7% | -9.9% | +8.3 pts |
| 2 years | -7.0% | -13.6% | +6.6 pts |
2 mutual fund schemes hold about ₹20 Cr.
Over three months 1 bought more and 0 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| 360 ONE Flexicap Fund | 0.72% | 16 | +1% |
| 360 ONE Balanced Hybrid Fund | 0.48% | 3 | +11% |
Red flags
F-score 7 of 8| explain | Low interest cover Interest cover 1.4x in 2026 |
| look | Profit leans on other income Other income was 49% of pre-tax profit in 2026 |
| look | Auditor change Auditor change 2026-06-25: Capital Small Finance Bank Limited has informed the Exchange regarding Change in Auditors of the company. |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹288 Cr +16.6% vs Jun 2025.
Net profit ₹41 Cr +28.1%.
Against our estimate for Jun 2026: sales -0.3%, profit +6.6% beat. Our estimate for Sep 2026: sales Rs 301 Cr, profit Rs 42 Cr (how).
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| AU Small Finance Bank Ltd | 75,448 | 26.4 | 7.66 % |
| Ujjivan Small Finance Bank Ltd | 12,716 | 14.0 | 7.73 % |
| Equitas Small Finance Bank Ltd | 7,674 | 15.0 | 6.43 % |
| Jana Small Finance Bank Ltd | 5,329 | 14.0 | 7.45 % |
| Utkarsh Small Finance Bank Ltd | 2,472 | 1.46 % | |
| ESAF Small Finance Bank Ltd | 2,292 | 5.65 % | |
| Suryoday Small Finance Bank Ltd | 1,538 | 8.02 | 7.33 % |
| Fino Payments Bank Ltd | 1,077 | 44.0 | 4.41 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-06-18 | Dividend - Rs 5 Per Share | |
| 2025-07-25 | Dividend - Rs 4 Per Share | |
| 2024-08-16 | Annual General Meeting/Dividend - Re 1.2 Per Share |
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Capital Small Finance Bank Ltd?
Capital Small Finance Bank Ltd (CAPITALSFB) has a market capitalisation of Rs 1,273 Cr. at the 2026-10-01 close.
What is the P/E ratio of Capital Small Finance Bank Ltd?
Capital Small Finance Bank Ltd trades at a P/E of 8.45 on trailing twelve-month profit, at the 2026-10-01 close.
What were Capital Small Finance Bank Ltd's latest quarterly results?
In the Jun 2026 quarter, Capital Small Finance Bank Ltd revenue was Rs 288 Cr (+16.6% vs Jun 2025) and net profit was Rs 41 Cr.
What is the 52-week high and low of Capital Small Finance Bank Ltd?
The 52-week high is Rs 323.70 and the 52-week low is Rs 206.55.