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Prices as of 8 Oct 2026 close · Not investment advice

Capital Small Finance Bank Limited

NSE: CAPITALSFBOther Bank

Share price

₹268.95

-1.91% close of 8 Oct 2026

Market cap ₹1,210 CrP/E 8.1

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 7 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

73

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹1,210 Cr

P/E ratio

8.1

P/B ratio

0.8

ROCE

7.1%

ROE

10.1%

Dividend yield

1.8%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹305.2552-week low ₹218.90

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 16.3% over the past year, and 14.8% a year over its longer record. Meanwhile what it keeps on lending slipped from 9.3% to 9% over the last two years.

Whether it grew faster than its sector

It grew 14.8% a year against a sector median of 16.0% — 1.2 percentage points slower.

Room to re-rate, or risk of de-rating

Too little price history yet to compare it with its own past.

Whether growth justifies the valuation

Priced at 0.5 times its growth rate, on earnings growth of 15%.

Profit growthPrice per ₹1 profitPer 1% growth
Capital Small Finance Bank Limited — this one15%/yr8.1×₹0.54
AU Small Finance Bank Limited23%/yr25.5×₹1.1
Ujjivan Small Finance Bank Limited-14%/yr13.3×—
Equitas Small Finance Bank Limited-44%/yr14.8×—
Jana Small Finance Bank Limited8%/yr13.3×₹1.7
Utkarsh Small Finance Bank Limited———

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Other Bank), it ranks 3 of 9 on returns, 8 of 9 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 10.1% on capital, ahead of 67% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹1,210 Cr
Prev close
₹268.95
52w High
₹324
52w Low
₹207
Enterprise value
₹1,222 Cr
Beta
0.8
Price CAGR 1y
-2.0%
Price CAGR 3y
—
Price CAGR 5y
—
Price CAGR 10y
—

Ratios

Return on assets
1.2%
PEG ratio
0.5
P/E ratio
8.1
P/B ratio
0.8
EV / EBITDA
11.3
Industry P/E
13.4
ROCE
7.1%
ROCE 5y average
—
ROE
10.1%
Debt / Equity
0.3
Interest coverage
—
Dividend yield
1.8%
ROE 3y average
11.0%
ROE last year
10.0%

Annual P&L

Annual revenue
₹1,049 Cr
Annual profit
₹141 Cr
Operating margin
10.0%
Net profit margin
13.4%
EBITDA margin
10.3%
Sales growth 3y
15.8%
Sales growth 5y
15.5%
Profit growth 3y
15.0%
Profit growth 5y
28.0%
EPS
₹31.1
Sales growth TTM
16.0%
Profit growth TTM
13.0%
Dividend payout
16.0%

Quarter P&L

Sales latest quarter
₹288 Cr
Profit latest quarter
₹41 Cr
YoY quarterly sales growth
16.6%
YoY quarterly profit growth
28.1%
OPM latest quarter
10.0%

Balance Sheet

Book Value
₹325
Face Value
₹10.0
Total debt
₹499 Cr
Total cash
₹380 Cr
Borrowings
₹499 Cr
Reserves / Equity
31.5

Cash Flow

Operating cash flow
-₹385 Cr
Free cash flow
-₹412 Cr
FCF yield
—
Net cash flow
-₹258 Cr

Shareholding

Promoter holding
18.3%
FII holding
0.6%
DII holding
27.5%
Public holding
53.6%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
AU Small Finance993.4026.174,4270.10796.037.05,302.721.17.7
Ujjivan Small64.9413.912,6250.00316.5206.72,024.925.17.7
Equitas Sma. Fin68.9215.47,8880.00183.6182.11,960.418.96.4
Jana Small Finan500.1013.95,2910.00155.252.31,514.522.17.5
Utkarsh Small F.13.982,4840.00-33.985.8883.60.31.5
ESAF Small Fin42.672,1970.0080.1198.61,097.832.55.7
Suryoday Small155.548.61,6520.9675.2113.1622.425.77.3
Capital Small274.208.31,2451.8241.329.0288.216.67.1
Median128.7613.92,4840.0080.185.81,097.821.17.1

Competes with: AU Small Finance Bank Limited, ESAF Small Finance Bank Limited, Equitas Small Finance Bank Limited, Jana Small Finance Bank Limited, Suryoday Small Finance Bank Limited, Ujjivan Small Finance Bank Limited, Utkarsh Small Finance Bank Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue189197204204218224235231247256272273288
Expenses6068677076828084908810092105
Financing Profit27162017241927192023192829
Financing Margin %1481081181288971010
Other Income13161821172618262323262626
Interest102113117117119123128128137145153152155
Depreciation0000000000000
Profit before tax40323838404446454346465455
Tax %25252525252525242525252625
Net Profit30242928303334343235344041
EPS in Rs8.176.266.667.407.537.577.077.707.588.829.08
Gross NPA %2.812.732.972.762.692.612.672.582.742.702.682.542.47
Net NPA %1.371.361.531.401.351.291.351.301.391.381.351.241.14
Gross NPA185204213219220224
Income on Investments313233333335
Interest on Advances186195203213216229
Interest on RBI and Inter-bank Balances142020252324
Net NPA92102107108106102

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue2713464585115786767949081,0491,090
Expenses108128166174209227248304353385
Financing Profit-47724469597106108100
Financing Margin %-12258141212109
Other Income233143465449688698102
Interest166211286313323354449498587605
Depreciation012151616211717180
Profit before tax1927355484124148175189201
Tax %02827242625252525
Net Profit191925416394112132141151
EPS in Rs25293133
Dividend Payout %03075451416

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
—
5 years
15%
3 years
16%
TTM
16%

Compounded profit growth

10 years
—
5 years
28%
3 years
15%
TTM
13%

Stock price CAGR

10 years
—
5 years
—
3 years
—
1 year
-2%

Return on equity

10 years
—
5 years
12%
3 years
11%
Last year
10%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital282834343434454545
Reserves2052223734174825761,1521,2951,416
Borrowing222358421617498721472321499
Deposits2,8513,6674,4475,2216,0466,5617,4788,32310,018
Other Liabilities464556839398148124166
Total Liabilities3,3524,3215,3306,3717,1547,9919,29510,10812,144
Fixed Assets658491878483848897
CWIP000000000
Investments8718631,0521,2121,3571,4891,7061,8191,973
Advances7,0908,572
Other Assets2,4173,3754,1875,0725,7136,4207,5068,20010,074
Total Assets3,3524,3215,3306,3717,1547,9919,29510,10812,144

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity8-80174-21175116279-385
Cash from Investing Activity-31-22-12-13-202-165-56-37
Cash from Financing Activity134192197-120222223-155163
Net Cash Flow11190359-3449417368-258
Free Cash Flow-23-102162-2245598258-412

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %888101317121010

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemMar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters19191919191919181818
FIIs1.381.331.331.361.291.341.260.430.550.59
DIIs33333231323228282827
Public47474849484852535354
No. of Shareholders89,96482,28076,54373,88070,11268,32567,31765,50463,24263,826

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -3.0% (₹277.15 → ₹268.95)Brick size ₹11.13 (fixed)Bricks 13
₹225₹250₹300₹269Jan '26Jul '26
Price moved up one brickPrice moved down one brickLast close ₹268.95 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

21.60

CASA ratio %

36.70

cost-to-income %

59.69pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.47pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

1.14pct

2026-06-30

net interest margin %

4.21pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

54.51pct

2026-06-30

return on assets %

1.23pct

2026-03-31

News

News and filings about Capital Small Finance Bank Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Other Bank
Classification
Financial Services › Other Bank
ISIN
INE646H01017

News impact

Big market events that reach Capital Small Finance Bank Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

18 Jun 2026unspecified₹5
25 Jul 2025unspecified₹4
16 Aug 2024unspecified₹1.2

Splits, bonuses & buybacks

  • daily-prices repair: 4 rows from NSE's archive (replace 1, delete 0, insert 3), 2024-03-02..2026-02-01 (docs/flat_day_repair.md)1× · 2 Mar 2024

Bulk & block deals

DateWhoBought / soldSharesPrice
7 Jul 2026LYPTUS PUNCH-CARD FUNDBUY8,33,500₹300.00
7 Jul 2026AMICUS CAPITAL PRIVATE EQUITY I LLPSELL8,33,500₹300.00
9 Jun 2026LYPTUS PUNCH-CARD FUNDBUY13,62,563₹270.00
9 Jun 2026OMAN INDIA JOINT INVESTMENT FUND IISELL13,62,563₹270.00

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.