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Capital Small Fin.

WEBSITE BSE:544120 NSE: CAPITALSFB Inc. Year: 1999 Industry: Bank - Private My Bucket: Add Stock

₹278.3 7.2 | 2.7%

Last updated: 09:34

Consolidated Standalone

Last updated: 09:34

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Capital Small Fin. Overview

Capital Small Finance Bank Limited is a small finance bank headquartered in Hyderabad, Telangana. The bank was incorporated in 2015 and commenced operations in 2016. It is one of the 10 small finance banks that were granted a license by the Reserve Bank of India in 2015. The bank's clientele includes individuals, small businesses, and micro enterprises. It offers a range of financial products and services, including savings accounts, loans, and investment products. The bank's promoters are a group of experienced bankers and financial profession...Read More

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Capital Small Fin. Key Financials

Market Cap ₹1253 Cr.

Stock P/E 9.5

P/B 0.9

Current Price ₹278.3

Book Value ₹ 314.6

Face Value 10

52W High ₹330.4

Dividend Yield 0%

52W Low ₹ 207

Edit Ratio

Capital Small Fin. Share Price

₹ | |

Volume
Price

Capital Small Fin. Quarterly Price

Quarterly Monthly
Show Value Show %

Capital Small Fin. Peer Comparison

Capital Small Fin. Quarterly Results

#(Fig in Cr.) Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Interest Earned 204 204 218 224 235 231 247 256 272 273
Other Income 18 21 17 26 18 26 23 23 26 26
Total Income 222 225 235 249 253 257 270 280 298 299
Interest Expense 117 117 119 123 128 128 137 145 153 152
Operating Expenditure 66 68 73 78 77 82 81 84 94 87
Provisions and contingencies 2 2 2 4 2 2 9 4 6 6
Operating Profit 38 38 40 44 46 45 43 46 46 54
Profit Before Tax 38 38 40 44 46 45 43 46 46 54
Provision for Tax 10 9 10 11 12 11 11 11 11 14
Profit After Tax 29 28 30 33 34 34 32 35 34 40
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 29 28 30 33 34 34 32 35 34 40
Adjusted Earnings Per Share 8.2 6.3 6.7 7.4 7.5 7.6 7.1 7.7 7.6 8.8

Capital Small Fin. Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 160 188 224 271 346 458 511 578 676 794 908 1048
Other Income 12 14 20 23 31 43 46 54 49 68 86 98
Total Income 172 202 244 294 378 501 557 632 725 862 995 1147
Interest Expense 106 125 150 166 211 286 313 323 354 449 498 587
Operating Expenditure 47 56 71 95 132 163 173 196 223 258 311 346
Provisions and contingencies 5 1 2 3 7 18 18 29 25 7 10 25
Operating Profit 14 20 22 30 27 35 54 84 124 148 175 189
Profit Before Tax 14 20 22 30 27 35 54 84 124 148 175 189
Provision for Tax 0 6 7 11 8 9 13 22 31 37 43 47
Profit After Tax 14 14 15 19 19 25 41 63 94 112 132 141
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 14 14 15 19 19 25 41 63 94 112 132 141
Adjusted Earnings Per Share 8.2 6 5.6 6.7 6.8 7.5 12 18.4 27.3 24.8 29.1 31.2

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 14% 16% 15% 19%
Operating Profit CAGR 18% 28% 38% 29%
PAT CAGR 18% 28% 39% 25%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -5% NA% NA% NA%
ROE Average 10% 13% 12% 12%
ROCE Average 13% 13% 12% 12%

Capital Small Fin. Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 90 115 190 234 250 407 451 516 611 1197 1340
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 1507 1814 2378 2851 3667 4447 5221 6046 6561 7478 8323
Borrowings 63 100 116 222 358 421 617 498 721 472 321
Other Liabilities & Provisions 21 23 36 46 45 56 83 93 98 148 124
Total Liabilities 1680 2053 2721 3352 4321 5330 6371 7154 7991 9295 10108
Cash and balance with RBI 56 68 152 154 215 221 722 364 463 569 650
Bank Balance 192 193 335 375 497 595 569 655 418 752 350
Investments 452 586 783 871 862 1052 1212 1357 1489 1706 1819
Advances 927 1145 1365 1847 2599 3308 3727 4635 5429 6075 7090
Fixed Assets 33 36 50 65 84 91 87 84 83 84 88
Other Assets 20 24 35 40 65 63 55 59 110 110 110
Total Assets 1680 2053 2721 3352 4321 5330 6371 7154 7991 9295 10108

Capital Small Fin. Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 61 79 79 173 182 293 382 741 398 492 665
Cash Flow from Operating Activities 3 -40 39 -40 8 -80 174 -211 75 116 279
Cash Flow from Investing Activities -6 -9 -20 -23 -31 -22 -12 -13 -202 -165 -56
Cash Flow from Financing Activities 21 49 75 72 134 192 197 -120 222 223 -155
Net Cash Inflow / Outflow 18 -0 94 9 111 90 359 -344 94 173 68
Closing Cash & Cash Equivalent 79 79 173 182 293 382 741 398 492 665 733

Capital Small Fin. Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 8.24 5.97 5.57 6.68 6.82 7.51 12.03 18.38 27.33 24.76 29.1
CEPS(Rs) 11.31 8.34 7.89 9.67 10.95 12.04 16.89 23.11 33.36 28.51 32.85
DPS(Rs) 1.6 1.6 0.8 0.8 0.2 0 0.8 1 1.2 1.2 1.38
Book NAV/Share(Rs) 51.85 49.89 70.48 82.01 87.89 120.32 132.94 151.5 178.27 264.23 294.39
Yield on Advances 17.31 16.42 16.38 14.67 13.32 13.85 13.72 12.48 12.45 13.08 12.81
Yield on Investments 7.85 7.58 8.02 7.84 7.84 7.47 7.68 6.56 6.59 6.58 6.82
Cost of Liabilities 6.74 6.55 6 5.42 5.25 5.87 5.36 4.93 4.86 5.65 5.77
NIM (Net Interest Margin) 3.36 3.15 2.81 3.22 3.24 3.34 3.19 3.64 4.13 3.79 4.14
Interest Spread 10.57 9.87 10.38 9.25 8.08 7.98 8.36 7.54 7.59 7.43 7.05
ROA(%) 0.92 0.74 0.63 0.63 0.51 0.53 0.7 0.93 1.24 1.29 1.36
ROE(%) 16.8 13.45 9.86 8.98 8.02 7.73 9.51 12.95 16.62 12.39 10.44
ROCE(%) 14.09 15.02 13.01 11.51 8.8 9.23 9.31 11.72 14.21 13.19 12.66
PER(x) 0 0 0 0 0 0 0 0 0 14.11 8.89
Price/Book(x) 0 0 0 0 0 0 0 0 0 1.32 0.88
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0.34 0.53
EV/Net Sales(x) 0.5 0.66 0.64 0.93 1.12 0.99 1.27 0.92 1.12 2.58 1.64
EV/Core EBITDA(x) 4.18 5.8 6.17 7.67 11.29 8.7 9.1 4.7 5.08 13.21 8.04
Interest Earned Growth(%) 22.97 17.2 18.98 21.15 27.78 32.3 11.64 13.06 16.91 17.5 14.37
Net Profit Growth 34.07 -3.38 9.47 26.46 2.07 30.74 60.68 53.42 49.59 19.16 18.04
Advances Growth 22.67 23.55 19.24 35.29 40.69 27.29 12.65 24.36 17.13 11.9 16.72
EPS Growth(%) 34.07 -27.53 -6.62 19.83 2.07 10.14 60.19 52.81 48.68 -9.39 17.51
Loans/Deposits(x) 4.2 5.53 4.89 7.8 9.77 9.47 11.81 8.24 11 6.32 3.85
Cash/Deposits(x) 0.04 0.04 0.06 0.05 0.06 0.05 0.14 0.06 0.07 0.08 0.08
Current Ratio(x) 0.3 0.32 0.33 0.31 0.24 0.24 0.23 0.22 0.23 0.23 0.22
Quick Ratio(x) 4.2 5.53 4.89 7.8 9.77 9.47 11.81 8.24 11 6.32 3.85
CASA % 35.72 35.16 39.54 39.99 38.39 36.31 40.08 42.16 41.88 38.3 36.94

Capital Small Fin. Shareholding Pattern

# Sep 2020 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Promoter 26.41 18.85 18.85 18.84 18.77 18.77 18.77 18.75 17.96 18.01
FII 0 1.38 1.33 1.33 1.36 1.29 1.34 1.26 0.43 0.55
DII 22.46 33.08 32.57 31.71 31.29 31.83 31.48 27.95 28.11 28.04
Public 51.13 46.69 47.25 48.12 48.58 48.11 48.41 52.04 53.51 53.41
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Capital Small Fin. News

Capital Small Fin. Pros & Cons

Pros

  • Stock is trading at 0.9 times its book value
  • Company has delivered good profit growth of 39% CAGR over last 5 years
  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend.
  • Promoter holding is low: 18.01%.
  • Company has a low return on equity of 13% over the last 3 years.

* The pros and cons are machine generated.

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