CAPITALSFB
Capital Small Finance Bank Limited (CAPITALSFB) Stock Analysis
Capital Small Finance Bank Limited is an Indian small finance bank serving semi-urban and rural customers. It provides deposits, micro loans, and banking services in its licensed geography. Financial inclusion and agricultural lending are core to its model. The company is listed on Indian stock exchanges and operates from India.
Financial Services › Banks - Regional
₹273.40
+1.54% 1W | -1.40% 52W
Market Cap
1.2k CR
P/E Ratio
8.3
52W High
₹323.7
52W Low
₹206.6
Div. Yield
1.84%
Beta
0.8
50 DMA
₹281.4
200 DMA
₹271.6
Profit Margin
29.3%
Inst. Own.
17%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| Expenses | 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% |
| Other Income | 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% |
| Net Profit | 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% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 271 | 346 | 458 | 511 | 578 | 676 | 794 | 908 | 1,049 | 1,090 |
| Interest | 166 | 211 | 286 | 313 | 323 | 354 | 449 | 498 | 587 | 605 |
| Expenses | 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% |
| Other Income | 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% | |
| Net Profit | 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% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 16.0% | 15.0% | – |
| Profit CAGR | 15.0% | 28.0% | – |
Shareholding Pattern
Promoters18.77%
FIIs1.34%
DIIs31.50%
Public48.38%
Promoters18.75%
FIIs1.26%
DIIs27.97%
Public52.01%
Promoters17.96%
FIIs0.43%
DIIs28.13%
Public53.49%
Promoters18.01%
FIIs0.55%
DIIs28.06%
Public53.39%
Promoters18.29%
FIIs0.59%
DIIs27.48%
Public53.65%
Promoters18.85%
FIIs1.38%
DIIs33.09%
Public46.70%
Promoters18.77%
FIIs1.29%
DIIs31.85%
Public48.08%
Promoters18.01%
FIIs0.55%
DIIs28.06%
Public53.39%
Promoters18.29%
FIIs0.59%
DIIs27.48%
Public53.65%
CAPITALSFB
Holdings Analysis
Key strengths & risk signals
62
Overall
71
Fundamental
53
Technical
Risks (3)
TOO MUCH PUBLIC HOLDING! 46.7% public ownership - higher volatility risk.
RECOVERY MODE! Current price (273.4) above 200-day but below 50-day.
WEAK YEAR! Stock declined 1.4% in the last year.
Strengths (4)
UNDERVALUED! PEG of 0.56 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (281.4) is above 200-day average (271.6) - positive signal.
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
NEUTRAL! RSI at 46.7 - balanced momentum.
Fundamental & Technical Analysis
62Overall
71Fundamental
53Technical
Fundamental Breakdown
Growth Quality
22/30
Revenue CAGR: 14.6% (GOOD, 11/15). Profit CAGR: 14.7% (GOOD, 11/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 29.3% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.56 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.84% yield - minimal income contribution.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.24 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 46.7% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (281.4) is above 200-day average (271.6) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (273.4) above 200-day but below 50-day.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
3/10
WEAK YEAR! Stock declined 1.4% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 29,237 vs down days: 35,262. Ratio: 0.83x
RSI
3/5
NEUTRAL! RSI at 46.7 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 57.0% of 52W range - neutral zone.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 1.5% (1 week), 0.0% (1 month), -10.1% (3 months).
Beta
4/5
BELOW MARKET! Beta of 0.80 - slightly less volatile than market.
CAPITALSFB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-30 | Concall PDF | |
| Q3FY262026-02-04 | Concall PDF | |
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CAPITALSFB | ₹273.40 | 8.3 | 29.3% | 14.6% | 14.7% | -1.4% | 62 | APPROACHING SUPPORT | +29.1% | +3.0% | +20.3% | +8.9% |
| FINOPB | ₹134.10 | 53.4 | 1.6% | 15.8% | -6.9% | -59.0% | 52 | BREAKDOWN | -177.0% | -293.0% | -36.1% | -12.7% |
| DHANBANK | ₹35.80 | 12.6 | 14.9% | 12.7% | 27.7% | +33.1% | 83 | BREAKOUT | +104.1% | -42.8% | +19.1% | -17.1% |
| SURYODAY | ₹148.00 | 8.2 | 13.6% | 20.0% | 25.1% | +4.6% | 64 | BREAKOUT | +113.0% | +51.3% | +30.3% | +14.0% |
| ESAFSFB | ₹44.30 | – | -0.3% | 6.9% | – | +57.9% | 64 | CONSOLIDATION | -198.6% | +240.9% | +45.3% | +15.7% |
| UTKARSHBNK | ₹13.30 | – | -146.1% | 1.4% | – | -24.7% | 53 | APPROACHING RESISTANCE | -85.8% | -82.0% | +0.2% | +10.1% |
| CSBBANK | ₹308.90 | 8.1 | 24.1% | 20.6% | 5.0% | -20.5% | 66 | APPROACHING RESISTANCE | +26.5% | -25.6% | +13.3% | -8.2% |
| JSFB | ₹490.60 | 13.7 | 12.9% | 14.8% | 8.4% | +6.6% | 61 | CONSOLIDATING DOWN | +52.3% | +11.0% | +18.5% | +0.8% |
Data from TradeAlone · Updated daily
