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Capital Small Finance Bank Limited
(CAPITALSFB)
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Rating:71Outperform
Price Target:
₹329.00
▲(15.97% Upside)
Action:Reiterated
Date:08/09/26
The score is driven primarily by solid financial performance (steady growth, strong margins, and improved leverage) tempered by cash-flow volatility. Valuation is a key positive due to the low P/E and supportive dividend yield. Technicals are moderately favorable, reflecting a stable uptrend without strong momentum extremes.
Positive Factors
Targeted retail and small-business franchise
A focused franchise serving underbanked individuals and micro/small enterprises builds durable deposit volumes and sticky customer relationships. That specialization supports repeat lending, steady fee income, and resilience versus wholesale-driven banks, underpinning long-term revenue stability.
Negative Factors
Volatile cash generation and FCF decline
Material variability in operating and free cash flow reduces confidence in cash conversion and limits predictable funding for expansion, dividends or buffers. The sharp FY2026 FCF decline versus FY2025 signals potential working-capital or asset-yield timing issues that could persist.
Read all positive and negative factors
Positive Factors
Negative Factors
Targeted retail and small-business franchise
A focused franchise serving underbanked individuals and micro/small enterprises builds durable deposit volumes and sticky customer relationships. That specialization supports repeat lending, steady fee income, and resilience versus wholesale-driven banks, underpinning long-term revenue stability.
Read all positive factors
Capital Small Finance Bank Limited (CAPITALSFB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹12.84B
Dividend Yield1.77%
Average Volume (3M)1.28K
Price to Earnings (P/E)8.5
Beta (1Y)0.89
Revenue Growth15.72%
EPS Growth12.19%
CountryIN
Employees2,311
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)33.21
Shares Outstanding45,465,183
10 Day Avg. Volume1,258
30 Day Avg. Volume1,278
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
Revenue Forecast (FY)₹6.62B
Capital Small Finance Bank Limited Business Overview & Revenue Model
Company Description
Capital Small Finance Bank Limited, established in Jalandhar, India, in 1999, offers a comprehensive range of banking and financial solutions tailored for both individual and business clients across the country. The bank's operations are structure...
How the Company Makes Money
The bank primarily makes money through (1) interest income and (2) fee and other non-interest income. Interest income is earned by deploying customer deposits and other funding into interest-earning assets—mainly loans and advances—such as retail ...
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 | 11.91B | 11.47B | 9.95B | 8.62B | 7.25B | 6.32B |
| Gross Profit | 5.67B | 5.35B | 4.96B | 4.13B | 3.71B | 3.09B |
| EBITDA | 2.10B | 2.07B | 1.92B | 1.65B | 1.45B | 786.85M |
| Net Income | 1.51B | 1.41B | 1.32B | 1.12B | 936.00M | 625.69M |
Balance Sheet | ||||||
| Total Assets | 129.49B | 121.44B | 101.08B | 92.95B | 79.91B | 71.54B |
| Cash, Cash Equivalents and Short-Term Investments | 15.83B | 4.13B | 10.42B | 13.59B | 9.30B | 10.19B |
| Total Debt | 6.86B | 4.99B | 3.21B | 4.72B | 7.21B | 4.98B |
| Total Liabilities | 114.61B | 106.83B | 87.67B | 80.98B | 73.80B | 66.38B |
| Stockholders Equity | 14.88B | 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 Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹12.84B | 8.49 | ― | 1.67% | 15.72% | 12.19% | |
66 Neutral | ₹124.49B | 13.49 | ― | ― | 15.87% | 70.88% | |
63 Neutral | ₹810.21B | 28.05 | ― | 0.10% | 14.96% | 30.22% | |
63 Neutral | ₹55.38B | 14.81 | ― | ― | 17.48% | -12.60% | |
56 Neutral | ₹84.09B | 16.34 | ― | 1.63% | 9.24% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹26.32B | -2.47 | ― | 2.82% | -12.04% | -121.91% |
* General Sector Average
IN:CAPITALSFB
Capital Small Finance Bank Limited
282.00
-10.04
-3.44%
IN:AUBANK
AU Small Finance Bank Limited
1,071.15
376.63
54.23%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
73.17
20.52
38.97%
IN:JSFB
Jana Small Finance Bank Ltd
534.70
46.35
9.49%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
62.98
19.90
46.19%
IN:UTKARSHBNK
Utkarsh Small Finance Bank Limited
14.88
-3.32
-18.24%
Capital Small Finance Bank Limited Corporate Events
Capital Small Finance Bank posts Q1 FY27 earnings call transcript
Jul 30, 2026
Capital Small Finance Bank Limited, an Indian small finance bank, offers deposit and lending services to retail and SME customers and is listed on both BSE and NSE. Its regulated status under SEBI norms requires robust financial reporting and regu...
Capital Small Finance Bank to Join Goldman Sachs Asia Financials Investor Conference
May 25, 2026
Capital Small Finance Bank Limited has announced that its officials will participate in the Goldman Sachs 2026 Asia Financials Corporate Day, engaging in one-on-one and group meetings with analysts and institutional investors via a virtual confere...
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.