Capital Small Finance Bank Limited (IN:CAPITALSFB)
:CAPITALSFB
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Capital Small Finance Bank Limited
(CAPITALSFB)
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Rating:73Outperform
Price Target:
₹329.00
▲(24.81% Upside)
Action:Reiterated
Date:05/09/26
The score is driven by attractive valuation (low P/E and a dividend) and solid underlying profitability with improved leverage. Offsetting these positives are inconsistent cash-flow conversion and stretched technical momentum (high RSI), which temper the overall rating.
Positive Factors
Retail & MSME deposit-led business model
A deposit-focused retail/MSME franchise produces repeatable net interest income and fee revenue. Over 2-6 months this structural funding model supports stable spreads, customer stickiness and predictable loan deployment, reducing reliance on volatile wholesale funding.
Negative Factors
Inconsistent cash generation / cash conversion
Volatile operating and free cash flow weakens the bank's ability to self-finance growth, dividends or build liquidity buffers. Over 2-6 months, inconsistent cash conversion increases reliance on external funding and raises execution risk for planned loan expansion or capital deployment.
Read all positive and negative factors
Positive Factors
Negative Factors
Retail & MSME deposit-led business model
A deposit-focused retail/MSME franchise produces repeatable net interest income and fee revenue. Over 2-6 months this structural funding model supports stable spreads, customer stickiness and predictable loan deployment, reducing reliance on volatile wholesale funding.
Read all positive factors
Capital Small Finance Bank Limited (CAPITALSFB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹12.61B
Dividend Yield1.97%
Average Volume (3M)2.14K
Price to Earnings (P/E)6.2
Beta (1Y)0.70
Revenue Growth15.32%
EPS Growth6.84%
CountryIN
Employees2,059
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)29.89
Shares Outstanding45,418,770
10 Day Avg. Volume3,253
30 Day Avg. Volume2,144
Financial Highlights & Ratios
PEG Ratio1.01
Price to Book (P/B)0.68
Price to Sales (P/S)0.87
P/FCF Ratio7.27
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)40.7
Revenue Forecast (FY)₹6.72B
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 (1) net interest income and (2) fee and other income. Net interest income is earned from the spread between interest collected on earning assets (mainly loans and advances, and to a lesser extent interest o...
Capital Small Finance Bank Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.60B | 11.47B | 9.95B | 8.62B | 7.25B | 6.32B |
| Gross Profit | 3.87B | 5.35B | 4.96B | 4.13B | 3.71B | 3.09B |
| EBITDA | 1.80B | 2.07B | 1.92B | 1.65B | 1.45B | 786.85M |
| Net Income | 1.35B | 1.41B | 1.32B | 1.12B | 936.00M | 625.69M |
Balance Sheet | ||||||
| Total Assets | 114.34B | 121.44B | 101.08B | 92.95B | 79.91B | 71.54B |
| Cash, Cash Equivalents and Short-Term Investments | 14.36B | 4.13B | 10.42B | 13.59B | 9.30B | 10.19B |
| Total Debt | 5.77B | 4.99B | 3.21B | 4.72B | 7.21B | 4.98B |
| Total Liabilities | 100.43B | 106.83B | 87.67B | 80.98B | 73.80B | 66.38B |
| Stockholders Equity | 13.91B | 14.61B | 13.40B | 11.97B | 6.11B | 5.16B |
Cash Flow | ||||||
| Free Cash Flow | -13.47B | 1.36B | 2.58B | 1.72B | 551.20M | -2.24B |
| Operating Cash Flow | -13.35B | 1.64B | 2.79B | 1.90B | 748.80M | -2.11B |
| Investing Cash Flow | -117.50M | -22.81B | -564.50M | -1.62B | -2.02B | -131.54M |
| Financing Cash Flow | 12.33B | 18.58B | -1.55B | 11.40B | 2.22B | -1.20B |
Capital Small Finance Bank Limited Technical Analysis
Positive
263.60
Price Trends
252.25
Positive
259.24
Positive
273.51
Negative
Market Momentum
3.94
Negative
59.55
Neutral
84.79
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPITALSFB, the sentiment is Positive. The current price of 263.6 is above the 20-day moving average (MA) of 242.34, above the 50-day MA of 252.25, and below the 200-day MA of 273.51, indicating a neutral trend. The MACD of 3.94 indicates Negative momentum. The RSI at 59.55 is Neutral, neither overbought nor oversold. The STOCH value of 84.79 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹12.61B | 6.20 | ― | 1.97% | 15.32% | 6.84% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | ₹18.35B | 8.75 | ― | ― | 16.07% | 32.15% | |
61 Neutral | ₹111.13B | 14.15 | ― | 2.82% | 11.64% | -4.91% | |
60 Neutral | ₹77.52B | 6.95 | ― | 1.63% | 8.92% | -30.41% | |
50 Neutral | ₹14.75B | 10.79 | ― | 2.64% | 0.44% | 68.14% | |
46 Neutral | ₹24.47B | -1.22 | ― | 2.82% | -12.72% | -4281.86% |
* Financial Sector Average
IN:CAPITALSFB
Capital Small Finance Bank Limited
282.00
-3.44
-1.21%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
68.59
5.15
8.12%
IN:ESAFSFB
ESAF Small Finance Bank Limited
30.44
-0.56
-1.81%
IN:SURYODAY
Suryoday Small Finance Bank Limited
173.95
46.25
36.22%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
56.81
11.47
25.30%
IN:UTKARSHBNK
Utkarsh Small Finance Bank Limited
13.59
-6.86
-33.55%
Capital Small Finance Bank Limited Corporate Events
Capital Small Finance Bank clears FY26 results, proposes dividend and new auditor
Apr 29, 2026
Capital Small Finance Bank’s board has approved the audited standalone financial results for the year ended 31 March 2026, which carry an unmodified audit opinion, and released an accompanying investor presentation on its website. The bank h...
Capital Small Finance Bank clears FY26 results, proposes dividend and new auditor
Apr 29, 2026
Capital Small Finance Bank’s board has approved its audited standalone financial results for the year ended 31 March 2026, receiving an unmodified audit opinion, and scheduled its 27th annual general meeting for 25 June 2026 via video confer...
Capital Small Finance Bank Sets Record Date for FY26 Dividend Eligibility
Apr 29, 2026
Capital Small Finance Bank has set June 18, 2026 as the record date to determine shareholder eligibility for the final dividend for the financial year ended March 31, 2026, subject to approval at the upcoming annual general meeting scheduled for J...
Capital Small Finance Bank Publishes FY26 Audited Results Investor Presentation
Apr 29, 2026
Capital Small Finance Bank Limited has released an investor presentation detailing its audited financial results for the quarter and full year ended March 31, 2026. The disclosure, aligned with listing regulations, underscores the bank’s ong...
Capital Small Finance Bank Tops ₹10,000 Crore in Deposits as FY26 Profit and Asset Quality Improve
Apr 29, 2026
Capital Small Finance Bank closed FY26 with deposits surpassing ₹10,000 crore and gross advances rising 20.9% year-on-year to ₹8,687 crore, underscoring its expanding footprint in underbanked markets and the MSME segment. The bank repo...
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...
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.