Capital Small Finance Bank Limited (CAPITALSFB) AI Stock Analysis

• Market Cap: ₹13.11B
• Dividend Yield: 1.79%
• Average Volume (3M): 6.25K
• Price to Earnings (P/E): 9.8
• Beta (1Y): 0.54
• Revenue Growth: 14.99%
• EPS Growth: 19.59%
• Country: IN
• Employees: 2,059
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 7.07
• Shares Outstanding: 45,246,937
• 10 Day Avg. Volume: 2,297
• 30 Day Avg. Volume: 6,250
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹345.00
• Price Target Upside: 19.09% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: ₹345.00 ▲(19.09% Upside)

Capital Small Finance Bank Limited demonstrates strong financial performance with consistent revenue growth and a solid balance sheet, which significantly contributes to the overall score. The technical analysis indicates short-term bearish momentum, which slightly offsets the positive financial outlook. The valuation is reasonable, making the stock attractive for long-term investors.

Capital Small Finance Bank Limited Business Overview & Revenue Model

Company Description

Capital Small Finance Bank Limited (CAPITALSFB) is a financial institution based in India, primarily focused on providing banking services to underserved and unbanked segments, including small businesses, micro-enterprises, and individuals in rural and semi-urban areas. The bank offers a range of financial products and services, such as savings and current accounts, fixed deposits, loans, insurance, and investment services, with an emphasis on fostering financial inclusion.

How the Company Makes Money

Capital 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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.88B	9.95B	8.62B	7.25B	6.32B	5.57B
Gross Profit	4.88B	4.96B	4.13B	3.71B	3.09B	2.44B
EBITDA	1.75B	1.92B	1.65B	1.45B	844.95M	572.76M
Net Income	1.32B	1.32B	1.12B	936.00M	625.69M	407.84M
Balance Sheet
Total Assets	101.08B	101.08B	92.95B	79.91B	71.54B	63.71B
Cash, Cash Equivalents and Short-Term Investments	10.00B	10.00B	1.03B	9.30B	10.19B	12.90B
Total Debt	3.21B	3.21B	4.72B	4.15B	5.79B	6.73B
Total Liabilities	87.67B	87.67B	80.98B	73.80B	66.38B	59.20B
Stockholders Equity	13.40B	13.40B	11.97B	6.11B	5.16B	4.51B
Cash Flow
Free Cash Flow	0.00	2.58B	945.24M	551.20M	-2.24B	1.61B
Operating Cash Flow	0.00	2.79B	1.90B	748.80M	-2.11B	1.74B
Investing Cash Flow	0.00	-564.50M	-1.62B	-2.02B	-131.54M	-124.21M
Financing Cash Flow	0.00	-1.55B	11.40B	2.22B	-1.20B	1.97B

Capital Small Finance Bank Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 289.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 289.7 is below the 20-day moving average (MA) of 301.01, below the 50-day MA of 294.59, and above the 200-day MA of 285.95, indicating a neutral trend. The MACD of -1.16 indicates Positive momentum. The RSI at 40.83 is Neutral, neither overbought nor oversold. The STOCH value of 17.23 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CAPITALSFB	73 Outperform	₹13.11B	9.79		1.79%	14.99%	19.59%
Sector *	68 Neutral	$17.89B	11.95	10.28%	3.72%	9.74%	1.61%
EQUITASBNK	46 Neutral	₹57.34B	44.89		1.99%	13.47%	-115.98%
ESAFSFB	41 Neutral	₹14.81B	66.17		2.44%	-4.34%	-285.61%
SURYODAY	―	₹12.89B	16.07		―	―	―
UJJIVANSFB	―	₹82.79B	15.66		3.52%	―	―
UTKARSHBNK	45 Neutral	₹22.94B	101.76		2.37%	12.40%	-166.78%