Capital Small Finance Bank Ltd

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Capital Small Finance Bank Ltd

₹ 276 -0.93%
05 Oct 10:52 a.m.
capitalbank.co.in BSE: 544120 NSE: CAPITALSFB
About

Incorporated in 1999, Capital
Small Finance Bank Ltd is India's
first Small Finance Bank[1]

Key Points

Business Overview:[1]
CSFBL, originally a local area bank, is now a full-fledged Small Finance Bank focused on middle-income customers. It offers secured lending products, including agriculture loans (Kisan Credit Cards, term loans), MSME & trading loans, mortgage/housing loans, corporate loans, and consumption loans. The company avoids direct exposure to Microfinance Institutions (MFIs).

Website BSE NSE
  • Market Cap ₹ 1,253 Cr.
  • Current Price ₹ 276
  • High / Low ₹ 328 / 207
  • Stock P/E 8.31
  • Book Value ₹ 327
  • Dividend Yield 1.83 %
  • ROCE 7.07 %
  • ROE 10.1 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.85 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 18.3%
  • Company has a low return on equity of 10.8% over last 3 years.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 11.6% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
189 197 204 204 218 224 235 231 247 256 272 273 288
Interest 102 113 117 117 119 123 128 128 137 145 153 152 155
60 68 67 70 76 82 80 84 90 88 100 92 105
Financing Profit 27 16 20 17 24 19 27 19 20 23 19 28 29
Financing Margin % 14% 8% 10% 8% 11% 8% 12% 8% 8% 9% 7% 10% 10%
13 16 18 21 17 26 18 26 23 23 26 26 26
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 40 32 38 38 40 44 46 45 43 46 46 54 55
Tax % 25% 25% 25% 25% 25% 25% 25% 24% 25% 25% 25% 26% 25%
30 24 29 28 30 33 34 34 32 35 34 40 41
EPS in Rs 8.17 6.26 6.66 7.40 7.53 7.57 7.07 7.70 7.58 8.82 9.08
Gross NPA % 2.81% 2.73% 2.97% 2.76% 2.69% 2.61% 2.67% 2.58% 2.74% 2.70% 2.68% 2.54% 2.47%
Net NPA % 1.37% 1.36% 1.53% 1.40% 1.35% 1.29% 1.35% 1.30% 1.39% 1.38% 1.35% 1.24% 1.14%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
271 346 458 511 578 676 794 908 1,049 1,090
Interest 166 211 286 313 323 354 449 498 587 605
108 128 166 174 209 227 248 304 353 385
Financing Profit -4 7 7 24 46 95 97 106 108 100
Financing Margin % -1% 2% 2% 5% 8% 14% 12% 12% 10% 9%
23 31 43 46 54 49 68 86 98 102
Depreciation 0 12 15 16 16 21 17 17 18 0
Profit before tax 19 27 35 54 84 124 148 175 189 201
Tax % 0% 28% 27% 24% 26% 25% 25% 25% 25%
19 19 25 41 63 94 112 132 141 151
EPS in Rs 24.76 29.10 31.13 33.18
Dividend Payout % 0% 3% 0% 7% 5% 4% 5% 14% 16%
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: -3%
Return on Equity
10 Years: %
5 Years: 12%
3 Years: 11%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 28 28 34 34 34 34 45 45 45
Reserves 205 222 373 417 482 576 1,152 1,295 1,416
Deposits 2,851 3,667 4,447 5,221 6,046 6,561 7,478 8,323 10,018
Borrowing 222 358 421 617 498 721 472 321 499
46 45 56 83 93 98 148 124 166
Total Liabilities 3,352 4,321 5,330 6,371 7,154 7,991 9,295 10,108 12,144
65 84 91 87 84 83 84 88 97
CWIP 0 0 0 0 0 0 0 0 0
Investments 871 863 1,052 1,212 1,357 1,489 1,706 1,819 1,973
2,417 3,375 4,187 5,072 5,713 6,420 7,506 8,200 10,074
Total Assets 3,352 4,321 5,330 6,371 7,154 7,991 9,295 10,108 12,144

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
8 -80 174 -211 75 116 279 -385
-31 -22 -12 -13 -202 -165 -56 -37
134 192 197 -120 222 223 -155 163
Net Cash Flow 111 90 359 -344 94 173 68 -258
Free Cash Flow -23 -102 162 -224 55 98 258 -412
CFO/OP 9% -23% 56% -51% 24% 29% 53% -49%

Ratios

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 8% 8% 8% 10% 13% 17% 12% 10% 10%

Insights

In beta
Mar 2016 Mar 2017 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Loan Book (Advances)
INR Crores

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Branch Network
Number
CASA Ratio
%
Total Deposits
INR Crores
Agriculture Loan Share
% of Gross Advances
Disbursements
INR Crores
Average Ticket Size (ATS)
INR Lakhs
Number of Customers
Lakhs

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Shareholding Pattern

Numbers in percentages

5 Recently
Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
18.85% 18.85% 18.84% 18.77% 18.77% 18.77% 18.75% 17.96% 18.01% 18.29%
1.38% 1.33% 1.33% 1.36% 1.29% 1.34% 1.26% 0.43% 0.55% 0.59%
33.09% 32.58% 31.71% 31.31% 31.85% 31.50% 27.97% 28.13% 28.06% 27.48%
46.70% 47.24% 48.12% 48.56% 48.08% 48.38% 52.01% 53.49% 53.39% 53.65%
No. of Shareholders 89,96482,28076,54373,88070,11268,32567,31765,50463,24263,826

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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