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Capital Small Finance Bank Limited (IN:CAPITALSFB)
:CAPITALSFB
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Capital Small Finance Bank Limited (CAPITALSFB) AI Stock Analysis

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IN:CAPITALSFB

Capital Small Finance Bank Limited

(CAPITALSFB)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
₹345.00
▲(19.77% Upside)
Capital Small Finance Bank Limited demonstrates strong financial performance with consistent revenue growth and a solid capital structure, which are the most significant factors contributing to the score. The valuation is reasonable, with a fair P/E ratio and a modest dividend yield. Technical analysis indicates a neutral market sentiment, with no strong bullish or bearish signals.

Capital Small Finance Bank Limited (CAPITALSFB) vs. iShares MSCI India ETF (INDA)

Capital Small Finance Bank Limited Business Overview & Revenue Model

Company DescriptionCapital 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 Operations. It offers savings and current accounts, and term deposits, as well as real estate regulatory authority accounts; bank and safe deposit lockers; debit cards; NRE/NRO deposits; trade finance; bank guarantees; 3-in-1 Demat Cum trading account; payment gateway services; E-hub education solutions fee collection services; bill and tax payment services; point of sales services; and foreign exchange and money transfer services, as well as ATMs, internet and doorstep banking, and mobile banking and passbooks. The company also provides agricultural loans, such as Kisan credit card scheme and agriculture term loans; MSME trading loans comprising scheme for small and medium enterprises and commission agent financing; mortgage lending loans, including housing loans and loans against rental property; auto, personal, gold, and preowned vehicle loans; and corporate loans. In addition, it offers loan sanctioning, collection, and monitoring services; risk management services; and distributes various insurance products, such as general, traditional life, term, motor, home, commercial, personal accident, health, and travel insurance, as well as social security schemes. The company was formerly known as Capital Local Area Bank Limited and changed its name to Capital Small Finance Bank Limited in April 2016. Capital Small Finance Bank Limited was incorporated in 1999 and is headquartered in Jalandhar, India.
How the Company Makes MoneyCapital Small Finance Bank Limited generates revenue primarily through interest income from its lending activities, which include personal loans, business loans, and microfinance loans. The bank also earns from non-interest income sources such as fees and commissions on various banking services, including account maintenance, transaction processing, and insurance product distribution. Additionally, CAPITALSFB benefits from partnerships with financial technology companies and other financial institutions to expand its service reach and enhance its product offerings, contributing to its overall earnings.

Capital Small Finance Bank Limited Financial Statement Overview

Summary
Capital Small Finance Bank Limited exhibits strong financial performance with consistent revenue growth and healthy profitability. The balance sheet reflects a solid capital structure with manageable debt levels. Cash flow generation is improving, although there is potential to further enhance cash conversion efficiency.
Income Statement
85
Very Positive
The company has demonstrated strong growth in total revenue, with a notable increase from previous years. The gross profit margin is robust, indicating effective cost management. The net profit margin is healthy, reflecting good overall profitability. However, the EBIT and EBITDA margins suggest room for improvement in operational efficiency.
Balance Sheet
80
Positive
The balance sheet shows a solid position with a healthy equity ratio, indicating a strong capital base. The debt-to-equity ratio is relatively low, suggesting conservative leverage. Return on equity is impressive, reflecting efficient use of shareholders' equity. However, there is a potential risk with significant debt levels that need to be monitored.
Cash Flow
78
Positive
The cash flow analysis shows a positive trend in operating cash flow, supporting good liquidity. Free cash flow has improved significantly, indicating better cash generation capability. However, the operating cash flow to net income ratio suggests there is room to enhance cash conversion efficiency.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue4.88B9.95B8.62B7.25B6.32B5.57B
Gross Profit4.88B4.96B4.13B3.71B3.09B2.44B
EBITDA1.75B1.92B1.65B1.45B844.95M572.76M
Net Income1.32B1.32B1.12B936.00M625.69M407.84M
Balance Sheet
Total Assets101.08B101.08B92.95B79.91B71.54B63.71B
Cash, Cash Equivalents and Short-Term Investments10.00B10.00B1.03B9.30B10.19B12.90B
Total Debt3.21B3.21B4.72B4.15B5.79B6.73B
Total Liabilities87.67B87.67B80.98B73.80B66.38B59.20B
Stockholders Equity13.40B13.40B11.97B6.11B5.16B4.51B
Cash Flow
Free Cash Flow0.002.58B945.24M551.20M-2.24B1.61B
Operating Cash Flow0.002.79B1.90B748.80M-2.11B1.74B
Investing Cash Flow0.00-564.50M-1.62B-2.02B-131.54M-124.21M
Financing Cash Flow0.00-1.55B11.40B2.22B-1.20B1.97B

Capital Small Finance Bank Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price288.05
Price Trends
50DMA
296.55
Negative
100DMA
291.68
Negative
200DMA
286.45
Positive
Market Momentum
MACD
-2.24
Positive
RSI
42.48
Neutral
STOCH
29.08
Neutral
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 288.05 is below the 20-day moving average (MA) of 292.17, below the 50-day MA of 296.55, and above the 200-day MA of 286.45, indicating a neutral trend. The MACD of -2.24 indicates Positive momentum. The RSI at 42.48 is Neutral, neither overbought nor oversold. The STOCH value of 29.08 is Neutral, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
₹13.04B9.73
1.80%14.99%19.59%
55
Neutral
24.55B-6.950.80%2.24%12.40%-166.78%
46
Neutral
64.23B-62.732.42%1.78%13.47%-115.98%
41
Neutral
15.56B-2.34-26.75%2.32%-4.34%-285.53%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:CAPITALSFB
Capital Small Finance Bank Limited
288.05
-5.63
-1.92%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
56.32
-25.52
-31.18%
IN:ESAFSFB
ESAF Small Finance Bank Limited
30.19
-19.54
-39.29%
IN:SURYODAY
Suryoday Small Finance Bank Limited
133.45
-56.55
-29.76%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
45.85
3.82
9.09%
IN:UTKARSHBNK
Utkarsh Small Finance Bank Limited
22.29
-24.57
-52.43%
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.Date of analysis: Sep 11, 2025