Capital Small Finance Bank
CAPITALSFB NSE
Capital Small Finance Bank
BanksNSE: CAPITALSFB BSE: 544120 Small Finance Bank
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹1,237 Cr
Volatility
Moderate
P/E Ratio
8.18
EBITDA
₹207 Cr
Return on Equity
9.68%
Debt to Equity
0
Book Value
₹327.35
EPS
₹24.74
52W High
₹323.7
52W Low
₹206.55
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Stock is trading at 0.83 times its book value
Weaknesses
5- Company has low interest coverage ratio.
- Promoter holding is low: 18.3%
- Company has a low return on equity of 10.8% over last 3 years.
- Company might be capitalizing the interest cost
- Dividend payout has been low at 11.6% of profits over last 3 years
Growth Rate
Revenue Growth
15.32% lower than
3Y
Net Income Growth
7.45% lower than
3Y
Cash Flow Change
-238% higher than
3Y
ROE
-1.43% lower than
3Y
ROCE
-4.05% lower than
3Y
EBITDA Margin (Avg.)
-0.29% higher than
3Y
Quarterly Results
| Particulars | Jun 2023 | 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 | 189 | 197 | 204 | 204 | 218 | 224 | 235 | 231 | 247 | 256 | 272 | 273 | 288 |
| Expenses | 60 | 68 | 67 | 70 | 76 | 82 | 80 | 84 | 90 | 88 | 100 | 92 | 105 |
| Financing Profit | 27 | 16 | 20 | 17 | 24 | 19 | 27 | 19 | 20 | 23 | 19 | 28 | 29 |
| Fin. Margin % | 14% | 8% | 10% | 8% | 11% | 8% | 12% | 8% | 8% | 9% | 7% | 10% | 10% |
| Other Income | 13 | 16 | 18 | 21 | 17 | 26 | 18 | 26 | 23 | 23 | 26 | 26 | 26 |
| Interest | 102 | 113 | 117 | 117 | 119 | 123 | 128 | 128 | 137 | 145 | 153 | 152 | 155 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 40 | 32 | 38 | 38 | 40 | 44 | 46 | 45 | 43 | 46 | 46 | 54 | 55 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 26% | 25% |
| Net Profit | 30 | 24 | 29 | 28 | 30 | 33 | 34 | 34 | 32 | 35 | 34 | 40 | 41 |
| EPS in Rs | — | — | 8.17 | 6.26 | 6.66 | 7.4 | 7.53 | 7.57 | 7.07 | 7.7 | 7.58 | 8.82 | 9.08 |
| Gross NPA % | 2.81% | 2.73% | 2.97% | 2.76% | 2.69% | 2.61% | 2.67% | 2.58% | 2.74% | 2.7% | 2.68% | 2.54% | 2.47% |
| Net NPA % | 1.37% | 1.36% | 1.53% | 1.4% | 1.35% | 1.29% | 1.35% | 1.3% | 1.39% | 1.38% | 1.35% | 1.24% | 1.14% |
Profit & Loss
| Particulars | 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 |
| Expenses | 108 | 128 | 166 | 174 | 209 | 227 | 248 | 304 | 353 | 385 |
| Financing Profit | -4 | 7 | 7 | 24 | 46 | 95 | 97 | 106 | 108 | 100 |
| Fin. Margin % | -1% | 2% | 2% | 5% | 8% | 14% | 12% | 12% | 10% | 9% |
| Other Income | 23 | 31 | 43 | 46 | 54 | 49 | 68 | 86 | 98 | 102 |
| Interest | 166 | 211 | 286 | 313 | 323 | 354 | 449 | 498 | 587 | 605 |
| Depreciation | 0 | 12 | 15 | 16 | 16 | 21 | 17 | 17 | 18 | 0 |
| PBT | 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 | 29.1 | 31.13 | 33.18 |
| Div. Payout % | 0% | 3% | 0% | 7% | 5% | 4% | 5% | 14% | 16% | — |
Balance Sheet
| Particulars | 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 |
| Borrowing | 222 | 358 | 421 | 617 | 498 | 721 | 472 | 321 | 499 |
| Deposits | 2,851 | 3,667 | 4,447 | 5,221 | 6,046 | 6,561 | 7,478 | 8,323 | 10,018 |
| 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 |
Cash Flow
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating | — | 8 | -80 | 174 | -211 | 75 | 116 | 279 | -385 |
| Investing | — | -31 | -22 | -12 | -13 | -202 | -165 | -56 | -37 |
| Financing | — | 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 |
Ratios
| Particulars | 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% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Capital Small Finance Bank insights
55 extracted metrics + investor summaries across FY18–FY27.
Documents
1
Announcement under Regulation 30 (LODR)-Newspaper Publication
8 May - Newspaper Publication for 27th AGM of Bank 8 May - Newspaper Publication for 27th AGM of Bank
2
Board Meeting Intimation for Intimation Of The Securities Committee Meeting Of Capital Small Finance Bank Limited ("Bank") To Be Held On Wednesday, May 13, 2026
8 May - Securities Committee meeting on May 13, 2026 to consider ESOP share allotment. 8 May - Securities Committee meeting on May 13, 2026 to consider ESOP share allotment.
3
Compliances-Reg.24(A)-Annual Secretarial Compliance
7 May - Capital Small Finance Bank filed its FY26 annual secretarial compliance report; no non-compliances observed. 7 May - Capital Small Finance Bank filed its FY26 annual secretarial compliance report; no non-compliances observed.
4
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
5 May - Transcript of Earning Call - March 31, 2026 5 May - Transcript of Earning Call - March 31, 2026
5
Announcement under Regulation 30 (LODR)-Newspaper Publication
30 Apr - Of Newspaper advertisement of Audited Financial results for the period ended March 31, 2026 30 Apr - Of Newspaper advertisement of Audited Financial results for the period ended March 31, 2026
Frequently Asked Questions about Capital Small Finance Bank
What does Capital Small Finance Bank Ltd do?
Incorporated in 1999, Capital
Small Finance Bank Ltd is India's
first Small Finance Bank[1]
Where is Capital Small Finance Bank Ltd (CAPITALSFB) listed?
Capital Small Finance Bank Ltd trades as CAPITALSFB on the NSE and under code 544120 on the BSE.
Which sector does Capital Small Finance Bank Ltd belong to?
Capital Small Finance Bank Ltd is classified under the Banks sector, in the Small Finance Bank industry.
What is the market capitalisation of Capital Small Finance Bank Ltd?
Capital Small Finance Bank Ltd has a market capitalisation of ₹1,237 Cr, which places it in the Small Cap band.
What is the PE ratio of Capital Small Finance Bank Ltd?
Capital Small Finance Bank Ltd trades at a PE ratio of 8.18, on earnings per share of ₹24.74, against a book value of ₹327.35 per share.
What is the 52-week high and low of Capital Small Finance Bank Ltd?
Over the last 52 weeks Capital Small Finance Bank Ltd has traded between ₹206.55 and ₹323.7.
Does Capital Small Finance Bank Ltd pay dividends?
Capital Small Finance Bank Ltd has a dividend yield of 1.84%.
What is the Return on Equity (ROE) of Capital Small Finance Bank Ltd?
Capital Small Finance Bank Ltd reported a return on equity of 9.68%. Its debt-to-equity ratio is 0.00.
Company Information
Incorporated in 1999, Capital Small Finance Bank Ltd is India's first Small Finance Bank[1]
Website capitalbank.co.in
CEO Mr. Sarvjit Singh Samra
Employees 2,177
Listed 2024-02-14
Face Value ₹ 10
Issued Size 4,54,18,771
For AI agents and developers
Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/CAPITALSFB.md for Capital Small Finance Bank Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.
Append .md to any Tapetide URL for the
same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live,
structured queries instead of documents, use our MCP server.