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Capital Small Finance Bank Limited
(CAPITALSFB)
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Rating:71Outperform
Price Target:
₹279.00
▼(-1.66% Downside)
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
Steady Revenue and Profitability
Consistent revenue expansion alongside sustained double-digit net margins indicates that the bank is converting growth into durable earnings. Continued profitability provides internal capacity to support branch and digital expansion, strengthen capital, and absorb moderate operating pressure over the coming quarters.
Negative Factors
Volatile Cash Generation
Uneven cash generation reduces confidence that reported earnings will consistently translate into deployable cash. Negative operating and free cash flow in an earlier year, followed by a sharp FY2026 free-cash-flow decline, could constrain flexibility for growth or capital allocation if volatility persists.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue and Profitability
Consistent revenue expansion alongside sustained double-digit net margins indicates that the bank is converting growth into durable earnings. Continued profitability provides internal capacity to support branch and digital expansion, strengthen capital, and absorb moderate operating pressure over the coming quarters.
Read all positive factors
Capital Small Finance Bank Limited (CAPITALSFB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹12.32B
Dividend Yield1.85%
Average Volume (3M)38.82K
Price to Earnings (P/E)7.6
Beta (1Y)0.94
Revenue Growth17.25%
EPS Growth18.82%
CountryIN
Employees2,311
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)33.21
Shares Outstanding45,491,070
10 Day Avg. Volume1,431
30 Day Avg. Volume38,816
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)40.05
Revenue Forecast (FY)₹6.27B
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...
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 Technical Analysis
Negative
283.70
Price Trends
275.81
Negative
282.69
Negative
269.50
Negative
Market Momentum
-5.34
Positive
44.09
Neutral
25.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAPITALSFB, the sentiment is Negative. The current price of 283.7 is above the 20-day moving average (MA) of 268.10, above the 50-day MA of 275.81, and above the 200-day MA of 269.50, indicating a bearish trend. The MACD of -5.34 indicates Positive momentum. The RSI at 44.09 is Neutral, neither overbought nor oversold. The STOCH value of 25.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CAPITALSFB.
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 | ₹12.32B | 7.64 | ― | 1.85% | 17.25% | 18.82% | |
66 Neutral | ₹103.90B | 8.98 | ― | 3.38% | 20.90% | 174.30% | |
63 Neutral | ₹649.53B | 20.50 | ― | 0.12% | 16.85% | 44.38% | |
56 Neutral | ₹39.40B | 8.29 | ― | ― | 17.75% | 15.09% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | ₹61.12B | 8.69 | ― | 1.27% | 15.28% | ― | |
42 Neutral | ₹20.41B | -1.90 | ― | 0.83% | -12.04% | -121.91% |
* General Sector Average
IN:CAPITALSFB
Capital Small Finance Bank Limited
270.75
-6.93
-2.50%
IN:AUBANK
AU Small Finance Bank Limited
864.00
-13.25
-1.51%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
53.42
-3.55
-6.23%
IN:JSFB
Jana Small Finance Bank Ltd
372.35
-92.85
-19.96%
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
53.20
1.36
2.62%
IN:UTKARSHBNK
Utkarsh Small Finance Bank Limited
11.47
-8.94
-43.80%
Capital Small Finance Bank Limited Corporate Events
Capital Small Finance Bank sets Q2 and H1 FY27 earnings call for October 30
Oct 14, 2026
Capital Small Finance Bank Limited has scheduled an earnings conference call with analysts and investors on October 30, 2026, at 10:00 a.m. IST to discuss its financial and operational performance for the second quarter and first half of FY27. Sen...
Capital Small Finance Bank Shuts Trading Window Ahead of Q2 Results
Sep 22, 2026
Capital Small Finance Bank Limited has announced the closure of its trading window for designated persons and their immediate relatives in accordance with SEBI (Prohibition of Insider Trading) Regulations, 2015. The restriction will apply from Oct...
Capital Small Finance Bank to Meet Analysts and Investors in Mumbai Conference
Sep 15, 2026
Capital Small Finance Bank Limited, a listed Indian small finance bank focused on serving retail and small business customers, operates under SEBI’s listing and disclosure framework on both BSE and NSE. The bank targets financially underserv...
Capital Small Finance Bank to Meet Investors at Mumbai Conference on September 2
Aug 25, 2026
Capital Small Finance Bank Limited has notified the stock exchanges that its officials will participate in the ASHWAMEDH – Elara India Dialogue 2026 investor conference in Mumbai on September 2, 2026, holding 1×1 and group meetings with...
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...
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.