Capital Small Finance Bank, 544120, CAPITALSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,196.33
8.83
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

867.07
0.52%
0.84

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

31.93
62.35
3.60

EBITDA CAGR (%)

10 Years
5 Years
3 Years

25.36
26.41
12.04

PAT CAGR (%)

10 Years
5 Years
3 Years

1.06
1.06

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Interest Earned 271.92 234.97 15.73% 256.46 223.59 14.70% 247.08 218.48 13.09% 231.46 204.20 13.35%
Interest Exp. 152.61 127.85 19.37% 144.82 122.67 18.06% 137.29 119.38 15.00% 128.40 117.46 9.31%
Net Interest Income 119.31 107.12 11.38% 111.64 100.92 10.62% 109.79 99.10 10.79% 103.06 86.74 18.81%
NIM 4.00 4.30 -6.98% 4.00 4.20 -4.76% 4.10 4.20 -2.38% 4.10 3.90 5.13%
Other Income 26.47 18.16 45.76% 23.14 25.70 -9.96% 22.88 16.59 37.91% 25.57 20.54 24.49%
Total Income 298.39 253.13 17.88% 279.60 249.29 12.16% 269.96 235.07 14.84% 257.03 224.74 14.37%
Operating Exp. 94.11 77.48 21.46% 84.11 78.38 7.31% 81.32 73.14 11.18% 81.79 67.83 20.58%
Operating Profit 51.67 47.80 8.10% 50.67 48.24 5.04% 51.35 42.55 20.68% 46.84 39.45 18.73%
Provision 5.78 2.16 167.59% 4.30 3.91 9.97% 8.84 2.38 271.43% 1.85 1.82 1.65%
PBT 45.89 45.64 0.55% 46.37 44.33 4.60% 42.51 40.17 5.83% 44.99 37.63 19.56%
PBTM 16.88 19.42 -13.08% 18.08 19.83 -8.83% 17.20 18.39 -6.47% 19.44 18.43 5.48%
TAX 11.48 11.59 -0.95% 11.48 10.99 4.46% 10.50 10.15 3.45% 10.75 9.42 14.12%
PAT 34.41 34.05 1.06% 34.89 33.34 4.65% 32.01 30.02 6.63% 34.24 28.21 21.38%
PATM 12.65% 14.49% 13.60% 14.91% 12.96% 13.74% 14.79% 13.81%
EPS 7.58 7.52 0.80% 7.70 7.40 4.05% 7.07 6.67 6.00% 7.57 6.26 20.93%
Gross NPA 218.87 182.30 20.06% 213.27 175.32 21.65% 204.24 171.86 18.84% 185.34 170.18 8.91%
Gross NPA% 2.68 2.67 0.37% 2.70 2.61 3.45% 2.74 2.69 1.86% 2.58 2.76 -6.52%
Net NPA 108.44 90.60 19.69% 107.48 85.44 25.80% 101.78 84.95 19.81% 91.84 85.08 7.95%
Net NPA% 1.35 1.35 0.00% 1.38 1.29 6.98% 1.39 1.35 2.96% 1.30 1.40 -7.14%
CASA 35.90 39.10 -8.18% 33.90 37.10 -8.63% 35.90 39.50 -9.11% 36.90 38.30 -3.66%

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Interest Income 443.80 410.20 345.15 321.99 255.28 198.61 172.62 135.14 104.51 74.03 62.68 Interest Earned 1,006.92 908.50 794.33 676.01 578.22 511.44 458.13 346.29 271.00 223.69 188.01 Interest Expended 563.12 498.30 449.18 354.02 322.94 312.83 285.51 211.15 166.49 149.66 125.33 Int. income Growth 12.67% 18.85% 7.19% 26.13% 28.53% 15.06% 27.73% 29.31% 41.17% 18.11% Other Income 98.06 86.02 68.08 49.47 54.19 45.83 42.95 31.31 22.86 19.89 14.32 Total Income 1,104.98 496.22 413.23 371.46 309.47 244.44 215.57 166.45 127.37 93.92 77.00 Total Expenditure 341.33 304.10 248.11 226.64 208.85 174.22 165.66 127.75 89.15 65.94 51.64 Employee Cost - 148.57 124.58 117.98 106.56 90.43 84.64 65.28 45.92 37.82 28.23 % Of Sales - 16.35% 15.68% 17.45% 18.43% 17.68% 18.48% 18.85% 16.94% 16.91% 15.02% Opt. & Establishment Exp. - 179.21 150.65 125.45 105.80 99.02 94.04 78.66 57.27 39.14 32.96 % Of Sales - 19.73% 18.97% 18.56% 18.30% 19.36% 20.53% 22.72% 21.13% 17.50% 17.53% Provisions - 10.30 6.68 24.55 28.73 17.75 17.66 7.35 2.98 1.50 1.37 % Of Sales - 1.13% 0.84% 3.63% 4.97% 3.47% 3.85% 2.12% 1.10% 0.67% 0.73% EBITDA 200.53 192.12 165.12 144.82 100.62 70.22 49.91 38.70 38.22 27.98 25.36 EBITDA Margin 66.10% 46.84% 47.84% 44.98% 39.42% 35.36% 28.91% 28.64% 36.57% 37.80% 40.46% Depreciation 0.00 16.99 16.90 20.67 16.12 16.49 15.34 11.77 8.51 6.26 5.46 PBT 179.76 175.13 148.22 124.16 84.49 53.74 34.58 26.92 29.71 21.72 19.89 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 44.21 43.48 36.69 30.56 21.92 12.95 9.20 7.51 10.69 6.68 6.15 Tax Rate 24.59% 24.83% 24.75% 24.61% 25.94% 24.10% 26.60% 27.90% 35.98% 30.76% 30.92% PAT 135.55 131.65 111.53 93.60 62.57 40.78 25.38 19.41 19.02 15.04 13.74 PAT before Minority Interest 135.55 131.65 111.53 93.60 62.57 40.78 25.38 19.41 19.02 15.04 13.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 25.02% 26.53% 26.99% 25.20% 20.22% 16.68% 11.77% 11.66% 14.93% 16.01% 17.84% PAT Growth 7.90% 18.04% 19.16% 49.59% 53.43% 60.68% 30.76% 2.05% 26.46% 9.46% EPS 29.86 29.00 24.57 20.62 13.78 8.98 5.59 4.28 4.19 3.31 3.03

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 1,340.14 1,197.42 610.61 515.78 450.79 406.78 250.32 233.58 190.22 114.84 Share Capital 45.25 45.04 34.25 34.04 33.91 33.81 28.48 28.48 26.99 23.02 Total Reserves 1,286.76 1,145.11 576.36 481.74 416.88 372.97 221.84 205.10 163.23 91.82 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 8,322.60 7,477.74 6,560.62 6,046.36 5,221.07 4,446.62 3,667.26 2,850.52 2,378.21 1,814.13 Borrowings 320.58 472.25 721.38 498.43 616.72 420.92 358.38 222.20 116.23 100.33 Other Liabilities & Provisions 124.20 147.87 98.16 93.35 82.66 55.55 45.24 45.53 36.16 23.24 Total Liabilities 10,107.52 9,295.28 7,990.77 7,153.92 6,371.24 5,329.87 4,321.20 3,351.83 2,720.82 2,052.54 Net Block 87.75 83.73 82.59 83.59 86.55 90.62 83.52 64.57 50.25 36.42 Gross Block 241.35 220.65 203.05 183.63 171.07 159.52 137.30 107.56 85.30 65.65 Accumulated Depreciation 153.60 136.92 120.46 100.05 84.51 68.89 53.79 42.99 35.05 29.23 Total Non-Current Assets 9,997.31 9,185.29 7,880.72 7,094.51 6,316.11 5,266.55 4,256.04 3,311.72 2,685.63 2,028.64 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 649.84 568.98 462.65 364.00 721.72 221.23 214.86 154.30 152.14 68.37 Balance with banks and money at call 349.88 752.18 418.21 655.06 568.70 594.52 496.76 374.83 335.24 192.94 Investments 1,819.45 1,705.71 1,488.58 1,357.06 1,212.25 1,051.87 861.85 870.73 782.60 585.80 Advances 7,090.39 6,074.69 5,428.69 4,634.80 3,726.89 3,308.31 2,599.05 1,847.29 1,365.40 1,145.11 Other Assets 110.20 109.99 110.05 59.41 55.12 63.32 65.16 40.11 35.20 23.90 Total Assets 10,107.51 9,295.28 7,990.77 7,153.92 6,371.23 5,329.87 4,321.20 3,351.83 2,720.83 2,052.54 Contingent Liabilities 78.61 63.00 56.47 45.62 38.35 37.07 42.09 27.28 22.30 18.42 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 294.39 264.23 178.27 151.50 132.94 120.32 87.89 82.01 70.48 49.89

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 279.49 115.89 74.88 -210.74 174.32 -79.91 39.28 -39.74 3.40 PBT 175.13 148.21 124.16 84.49 53.74 34.58 21.72 19.89 20.82 Adjustment 35.49 29.83 49.22 48.66 36.48 34.63 7.72 6.83 3.84 Adjustments for Liabilities & Assets 112.20 -21.15 -64.13 -323.10 96.96 -137.84 17.53 -58.73 -13.97 Refund/(Payment) of direct taxes -43.32 -41.00 -34.36 -20.79 -12.86 -11.28 -7.70 -7.73 -7.29 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -56.45 -165.34 -201.99 -13.16 -12.42 -22.46 -20.04 -9.35 -6.26 Net Fixed Assets -20.70 -17.60 -19.42 -12.56 -11.55 -74.22 -19.65 -9.25 Other Investment Activity -406.69 -422.64 -216.21 -196.05 -193.53 -179.56 -94.65 -71.91 Cash from Financing Activity -155.13 222.58 221.52 -119.70 196.81 192.00 74.85 48.86 20.72 Closing Cash & Equivalent 732.98 665.07 491.94 397.53 741.13 382.42 172.70 78.60 78.82 Net Cash Inflow / Outflow 67.91 173.13 94.41 -343.60 358.71 89.63 94.09 -0.22 17.86 Opening Cash & Equivalents 665.07 491.94 397.53 741.13 382.42 292.78 78.60 78.82 60.96

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 294.39 264.23 178.27 151.50 132.94 50.83 45.42 39.38 34.44 29.54 NIM 4.14 3.79 4.13 3.64 3.19 3.41 3.63 3.77 4.04 2.99 Yield on Advances 12.81 13.08 12.45 12.48 13.72 17.27 18.38 17.35 15.89 15.56 Yield on Investments 6.82 6.58 6.59 6.56 7.68 8.11 8.23 6.81 8.27 7.64 Cost of Liabilities 5.77 5.65 4.86 4.93 5.36 6.42 6.95 6.31 5.59 6.40 Interest Spread 7.05 7.43 7.59 7.54 8.36 10.84 11.42 11.04 10.29 9.15 ROCE 12.66% 13.19% 14.21% 11.72% 9.31% 12.47% 14.60% 15.55% 27.05% 22.64% Cost Income Ratio 62.63 62.51 59.97 63.42 70.76 66.92 64.32 58.28 53.85 60.28 Core Cost Income Ratio 62.80 62.64 59.83 64.03 73.27 68.60 66.24 60.40 55.98 69.55 Operating Costs to Assets 3.07 2.78 2.79 2.74 2.71 2.69 2.73 2.65 2.69 2.71 Loans/Deposits 0.04 0.06 0.11 0.08 0.12 0.04 0.04 0.05 0.03 0.03 Cash/Deposits 0.08 0.08 0.07 0.06 0.14 0.04 0.04 0.03 0.03 0.02 Investment/Deposits 0.22 0.23 0.23 0.22 0.23 0.30 0.32 0.35 0.32 0.39 Inc Loan/Deposits 3.85% 6.32% 11.00% 8.24% 11.81% 3.70% 4.49% 5.08% 2.62% 3.19% Credit Deposits 85.19% 81.24% 82.75% 76.65% 71.38% 59.77% 61.69% 62.98% 64.62% 65.23% Interest Expended / Interest earned 54.85% 56.55% 52.37% 55.85% 61.17% 64.55% 64.09% 60.72% 55.92% 65.09% Interest income / Total funds 8.99% 8.55% 8.46% 8.08% 8.03% 9.27% 9.72% 9.28% 8.88% 8.30% Interest Expended / Total funds 4.93% 4.83% 4.43% 4.51% 4.91% 5.99% 6.23% 5.64% 4.97% 5.40% CASA 36.94% 38.30% 41.88% 42.16% 40.08% 37.94% 39.56% 41.50% 43.84% 44.57%

Top Investors:

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Annual Reports:

News Update:

Capital Small Fin. - Quarterly Results
30th Jan 2026, 00:00 AM

Read More
Capital Small Finance Bank reports 19% rise in total deposits during Q3FY26
5th Jan 2026, 14:50 PM

Gross Advances grew 19.8% to Rs 8,164 crore (provisional) as of December 31, 2025
Read More

Capital Small Finance Bank Ltd.

Bank - Private

BSE: 544120 | NSE: CAPITALSFB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Capital Small Finance Bank Ltd.

Bank - Private

BSE: 544120 | NSE: CAPITALSFB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: