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Banking And Finance | Small Cap
Health Score : 6.09Capital Small Finance Bank shows a mixed financial picture. The bank exhibits remarkable growth in revenue, operating profit, and net income, suggesting strong market performance and effective management strategies. Profitability metrics such as gross profit margin and return on equity are also robust. However, liquidity ratios are notably weak, indicating potential challenges in meeting short-term obligations. The bank's solvency is also a concern, with high debt levels. The bank demonstrates strong capitalization, which supports its lending activities. While growth and profitability are strengths, addressing liquidity and solvency issues is crucial for long-term stability. Overall, the bank needs to balance its growth initiatives with prudent financial management to ensure sustainable performance.
Health Score : 6.09Capital Small Finance Bank shows a mixed financial picture. The bank exhibits remarkable growth in revenue, operating profit, and net income, suggesting strong market performance and effective management strategies. Profitability metrics such as gross profit margin and return on equity are also robust. However, liquidity ratios are notably weak, indicating potential challenges in meeting short-term obligations. The bank's solvency is also a concern, with high debt levels. The bank demonstrates strong capitalization, which supports its lending activities. While growth and profitability are strengths, addressing liquidity and solvency issues is crucial for long-term stability. Overall, the bank needs to balance its growth initiatives with prudent financial management to ensure sustainable performance.
Overall Valuation Score
Markets Depth NSE
Buy Orders
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Quantity
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0
0
Sell Orders
Ask
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No sell depth
Total
0
0
Markets Today NSE
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0.00
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0.00
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0.00
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0.00
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0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
9.14
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
9.14
P/B RATIO
0.88
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
1.23
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.33
EV/EBITDA RATIO
1.78
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹284.4 as on Sep 1, 2026.
Growth Score : 10.00The growth ratios indicate strong positive trends across revenue, operating profit, EPS, assets, and net income. This suggests successful business strategies and effective management. These growth metrics reflect the bank's ability to expand its operations and increase profitability. The bank has been able to achieve good growth in its business, which is a very positive sign.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 13.11 | 16.96 | 17.46 | 14.36 | 15.53 |
| Operating Profit Growth Rate | 91.67 | 106.52 | 2.11 | 9.28 | -14.15 |
| Earnings Per Share (EPS) Growth | 17.53 | 6.98 | |||
| Asset Growth Rate | 12.29 | 11.7 | 16.32 | 8.75 | 20.14 |
| Net Income Growth Rate | 53.66 | 49.21 | 19.15 | 17.86 | 6.82 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Capital Small Finance Bank Ltd | 6.09 | 9.14 | Highly Undervalued | 91.00 | 31.10 | 141.00 |
| 3 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 4 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤5th May 26
Q4 FY '26 Earnings Conference Call
NEUTRAL SENTIMENT
Concall Report⬤4th Feb 26
Q3 & 9 Months FY26 Earnings Conference Call
BULLISH SENTIMENT
No Stock News Available at This Moment.
Capital Small Finance Bank Ltd. is India's first small finance bank, focusing on providing financial products and services to underserved and unbanked segments. It offers a diverse range of retail and MSME banking solutions, including deposits, loans, and digital banking services, primarily operating in North India.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Capital Small Finance Bank Ltd's P/E ratio (TTM) is 9.14, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Capital Small Finance Bank Ltd's P/B ratio is 0.88, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Capital Small Finance Bank Ltd's P/S ratio is 1.23, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Capital Small Finance Bank Ltd's PEG ratio is 0.33.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Capital Small Finance Bank Ltd's EV/EBITDA ratio is 1.78.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Capital Small Finance Bank Ltd's ROE is 9.65%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Capital Small Finance Bank Ltd's ROA is 0.75%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Capital Small Finance Bank Ltd's ROCE is 53.11%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Capital Small Finance Bank Ltd's operating margin is 8.67%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Capital Small Finance Bank Ltd's net margin is 13.44%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Capital Small Finance Bank Ltd's current ratio is 60.69.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Capital Small Finance Bank Ltd's debt-to-equity ratio is 6.69.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Capital Small Finance Bank Ltd's interest coverage ratio is 1.32.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Capital Small Finance Bank Ltd's DPS is ₹4.98.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Capital Small Finance Bank Ltd's EPS is 6.98.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹284.40. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1999 (as Capital Local Area Bank Ltd.)
Headquarters: Jalandhar, Punjab
Core Offerings: Retail Loans, MSME Loans, Agriculture Loans, Deposits, Digital Banking
Stock Listing: NSE (CAPITALSFB), BSE (544120)
Promoter: Sarvjit Singh Samra / Samra Group
Capital Small Finance Bank began its journey in 1999, incorporated as Capital Local Area Bank Ltd., commencing operations in 2000 as India's largest Local Area Bank. In 2015, it received in-principle approval from the Reserve Bank of India to convert to a Small Finance Bank. The bank successfully transformed into Capital Small Finance Bank Ltd. in 2016, marking its position as India's first Small Finance Bank. Since then, it has expanded its network and product offerings, catering to a broad customer base including retail customers, MSMEs, and the agricultural sector.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Loans | ~54% of loan book | Operating Profit |
| MSME Loans | ~28.5% of loan book | Operating Profit |
| Agriculture Loans | ~17.5% of loan book | Operating Profit |
| Deposits | Primary source of funds | Operating Profit |
Retail Loans: Offers a variety of loans including housing loans, vehicle loans, personal loans, and gold loans to individual customers.
MSME Loans: Provides tailored financial solutions such as working capital loans, term loans, and credit facilities to Micro, Small, and Medium Enterprises.
Agriculture Loans: Extends credit for various agricultural activities, including crop loans, farm mechanization, and allied agricultural purposes.
Deposits: Focuses on mobilizing low-cost Current Account, Savings Account (CASA) deposits, alongside competitive Fixed and Recurring Deposits from individuals and businesses.
Digital Banking: Emphasizes digital platforms, including mobile banking, internet banking, and UPI services, to enhance customer convenience and reach.
Mr. Sarvjit Singh Samra (Chairman & Whole Time Director): A veteran banker with over four decades of experience, he founded Capital Local Area Bank in 1999 and has been instrumental in its growth and transition to an SFB. Mr. Munish Jain (MD & CEO): Appointed in April 2024, Mr. Jain brings extensive experience in retail banking, digital transformation, and business development from his previous leadership roles in the banking sector.
No major subsidiaries reported.
Successfully completed its Initial Public Offering (IPO) in February 2024, listing on both NSE and BSE. No major recent bonus or rights issues reported.
The Capital Small Finance Bank Ltd share price today is ₹284.40 on NSE (CAPITALSFB), as of 28 Sept 2026.
As of 28 Sept 2026, Capital Small Finance Bank Ltd share price is ₹284.40, with previous close ₹284.40. Today's range is ₹284.40 to ₹284.40. The 52-week range is ₹N/A to ₹N/A.
As of today, Capital Small Finance Bank Ltd's market cap is ₹1,294.02 crore (Small Cap).
Capital Small Finance Bank Ltd's current P/E ratio is 9.14, compared to the BANKING AND FINANCE sector average of 19.
Capital Small Finance Bank Ltd's current P/B ratio is 0.88.
Capital Small Finance Bank Ltd's current dividend yield is 1.75%. Last dividend of ₹1.00 per share was declared on 19-Jun-2023.
Capital Small Finance Bank Ltd's EPS (TTM) is ₹6.98.
Capital Small Finance Bank Ltd. is India's first small finance bank, focusing on providing financial products and services to underserved and unbanked segments. It offers a diverse range of retail and MSME banking solutions, including deposits, loans, and digital banking services, primarily operating in North India.
Capital Small Finance Bank Ltd is promoted by Sarvjit Singh Samra / Samra Group, holding 18.01% as of 28 Sept 2026.
Capital Small Finance Bank Ltd is listed on NSE (CAPITALSFB) and BSE (544120). Its next quarterly results are expected on Q1 FY25 (July/August 2024).
Adjusted Earnings Per Share (Adjusted EPS)
Return on Assets (ROA)