Capital Small Finance Bank Limited (IN:CAPITALSFB)
:CAPITALSFB
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Capital Small Finance Bank Limited
(CAPITALSFB)
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Rating:72Outperform
Price Target:
₹244.00
▼(-7.44% Downside)
Action:ReiteratedDate:11/01/25
Capital Small Finance Bank Limited demonstrates strong financial performance with solid revenue growth and profitability, which is the most significant factor in its overall score. The technical analysis indicates a neutral trend, while the valuation suggests the stock may be undervalued, providing potential upside. The absence of earnings call data and corporate events limits additional insights.
Positive Factors
Revenue Growth
Consistent double-digit revenue growth (~14.8% YoY) indicates expanding loan and deposit franchise and steady demand from retail, self-employed and micro clients. Over a multi-month horizon this supports durable net interest income expansion and a stable earnings base.
Negative Factors
Operational Efficiency
EBIT and EBITDA margins flagged as areas for improvement indicate operational efficiency may lag peers. If cost structure and productivity are not improved, margin compression could limit net profitability upside and constrain sustainable returns as the franchise scales.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent double-digit revenue growth (~14.8% YoY) indicates expanding loan and deposit franchise and steady demand from retail, self-employed and micro clients. Over a multi-month horizon this supports durable net interest income expansion and a stable earnings base.
Read all positive factors
Capital Small Finance Bank Limited (CAPITALSFB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹10.00B
Dividend Yield1.97%
Average Volume (3M)2.14K
Price to Earnings (P/E)8.7
Beta (1Y)0.65
Revenue Growth13.76%
EPS Growth11.77%
CountryIN
Employees2,059
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.60
Shares Outstanding45,418,770
10 Day Avg. Volume3,253
30 Day Avg. Volume2,144
Financial Highlights & Ratios
PEG Ratio-1.90
Price to Book (P/B)0.89
Price to Sales (P/S)1.21
P/FCF Ratio4.64
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)31.75
Revenue Forecast (FY)₹5.59B
Capital Small Finance Bank Limited Business Overview & Revenue Model
Company Description
Capital Small Finance Bank Limited provides a range of banking and financial products and services for individuals and businesses in India. The company operates in four segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Opera...
How the Company Makes Money
CAPITALSFB primarily makes money through a banking spread model: it raises funds mainly via customer deposits (savings accounts, current accounts, and fixed/term deposits) and deploys those funds into interest-earning assets such as loans and adva...
Capital Small Finance Bank Limited Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
80
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.60B | 9.95B | 8.62B | 7.25B | 6.32B | 5.57B |
| Gross Profit | 3.87B | 4.96B | 4.13B | 3.71B | 3.09B | 2.44B |
| EBITDA | 1.80B | 1.92B | 1.65B | 1.45B | 786.85M | 572.76M |
| Net Income | 1.35B | 1.32B | 1.12B | 936.00M | 625.69M | 407.84M |
Balance Sheet | ||||||
| Total Assets | 114.34B | 101.08B | 92.95B | 79.91B | 71.54B | 63.71B |
| Cash, Cash Equivalents and Short-Term Investments | 14.36B | 10.42B | 13.59B | 9.30B | 10.19B | 12.90B |
| Total Debt | 5.77B | 3.21B | 4.72B | 7.21B | 4.98B | 6.17B |
| Total Liabilities | 100.43B | 87.67B | 80.98B | 73.80B | 66.38B | 59.20B |
| Stockholders Equity | 13.91B | 13.40B | 11.97B | 6.11B | 5.16B | 4.51B |
Cash Flow | ||||||
| Free Cash Flow | -13.47B | 2.58B | 1.72B | 551.20M | -2.24B | 1.61B |
| Operating Cash Flow | -13.35B | 2.79B | 1.90B | 748.80M | -2.11B | 1.74B |
| Investing Cash Flow | -117.50M | -564.50M | -1.62B | -2.02B | -131.54M | -124.21M |
| Financing Cash Flow | 12.33B | -1.55B | 11.40B | 2.22B | -1.20B | 1.97B |
Capital Small Finance Bank Limited Technical Analysis
Negative
263.60
Price Trends
253.95
Negative
261.80
Negative
276.20
Negative
Market Momentum
-9.79
Positive
26.52
Positive
9.29
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPITALSFB, the sentiment is Negative. The current price of 263.6 is above the 20-day moving average (MA) of 242.69, above the 50-day MA of 253.95, and below the 200-day MA of 276.20, indicating a bearish trend. The MACD of -9.79 indicates Positive momentum. The RSI at 26.52 is Positive, neither overbought nor oversold. The STOCH value of 9.29 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CAPITALSFB.
Capital Small Finance Bank Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹10.00B | 8.67 | ― | 1.97% | 13.76% | 11.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | ₹62.56B | 19.93 | ― | 1.63% | 10.02% | -120.18% | |
52 Neutral | ₹10.87B | 48.24 | ― | 2.64% | -8.71% | -2192.08% | |
51 Neutral | ₹13.57B | 10.24 | ― | ― | ― | ― | |
46 Neutral | ₹102.83B | 13.80 | ― | 2.82% | 6.15% | -64.12% | |
41 Neutral | ₹19.63B | -1.76 | ― | 2.82% | 2.35% | -261.81% |
* Financial Sector Average
IN:CAPITALSFB
Capital Small Finance Bank Limited
220.25
-42.13
-16.06%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
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ESAF Small Finance Bank Limited
21.07
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IN:SURYODAY
Suryoday Small Finance Bank Limited
127.65
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IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
52.93
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51.58%
IN:UTKARSHBNK
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11.03
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-43.55%
Capital Small Finance Bank Limited Corporate Events
Capital Small Finance Bank to Join Virtual Arihant Capital Investor Conference on March 10
Mar 5, 2026
Capital Small Finance Bank Limited has announced that its officials will participate in an investor conference organized by Arihant Capital under the Bharat Connect “Rising Stars” series. The group meeting is scheduled to be held virtu...
Capital Small Finance Bank Seeks Shareholder Nod on Director Pay and Reappointment via E-Voting
Feb 23, 2026
Capital Small Finance Bank has initiated a postal ballot process to seek shareholder approval via remote e-voting on key board- and related-party remuneration decisions. The exercise underscores the bank’s adherence to SEBI and MCA governanc...
Capital Small Finance Bank Files SEBI Compliance Certificate, Confirms Debt Securities Fully Dematerialised
Jan 5, 2026
Capital Small Finance Bank Limited has submitted to the stock exchanges a compliance certificate from its registrar and transfer agent, MUFG Intime India Pvt. Ltd., under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 20...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.