Capital Small Fin.
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Capital Small Fin. share price

Capital Small Finance Bank Ltd.

NSE: CAPITALSFB BSE: 544120 SECTOR: Bank - Private  23.12 K   45   11

320.10
+16.45 (5.42%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 325.95

Today's Low

₹ 297.05

52 Week High

₹ 330.4

52 Week Low

₹ 250

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1448.35 Cr.

CASA %

36.94

No. of Shares

4.52 Cr.

P/E

10.84

P/B

1.05

Face Value

₹ 10

Div. Yield

0.43 %

Book Value (TTM)

₹  304.16

Net Interest Income

₹ 410.19 Cr.

Cost To Income %

62.63

Promoter Holding

18.77 %

EPS (TTM)

₹  29.54

CAR %

25.39

ROE

10.44 %

ROCE

12.66%

Profit Growth

18.04 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year10.44%
3 Year13.15%
5 Year12.38%

ROA%

1 Year1.36%
3 Year1.29%
5 Year1.1%

Net NPA%

1 Year1.3%
3 Year1.35%
5 Year1.31%

 NIM

1 Year4.14%
3 Year4.02%
5 Year3.78%

CAR %

25.39

Cost of Liabilities %

5.7653

PEG Ratio

0.62

Advances Growth %

16.7202

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 18.77 0.00
Mar 2025 18.77 0.00
Dec 2024 18.77 0.00
Sep 2024 18.84 0.00
Jun 2024 18.85 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.29446666666667% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 13.1481666666667%.
  • The company has been consistently maintaining a NIM of 4.02016666666667% since last 3 years.
  • CASA stands at 36.9413% of total deposits.
  • Good Capital Adequacy Ratio of 25.39%.
  • The company has delivered good Profit growth of 28.1398282391353% over the past 3 years.

 Limitations

  • CASA Growth of -1.3557% YoY, which is very low.
  • Low other Income proportion of 9.46875043340872%.
  • High Cost to income ratio of 62.6316%.
  • Increase in Provision and contingencies of 54.110060446466% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 218.48 223.59 234.97 231.46 247.08
Other Income 16.59 25.7 18.16 25.57 22.88
Interest Expended 119.38 122.67 127.85 128.4 137.29
Operating Expenses 73.14 78.38 77.48 81.79 81.32
Total Provisions 2.38 3.91 2.16 1.85 8.84
Profit Before Tax 40.17 44.33 45.64 44.99 42.51
Tax 10.15 10.99 11.59 10.75 10.5
Net Profit 30.02 33.34 34.05 34.24 32.01
Net NPA % 1.35 1.29 1.35 1.3 1.39
Gross NPA % 2.69 2.61 2.67 2.58 2.74
Return on Assets % 1.27 0.35 0.34 1.36 1.18
NPM % 13.74 14.91 14.49 14.79 12.96

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 511.44 578.22 676.01 794.33 908.5
Other Income 45.83 54.19 49.47 68.08 86.02
Interest Expended 312.83 322.94 354.02 449.18 498.3
Operating Expenses 172.96 196.25 222.75 258.33 310.79
Total Provisions 17.75 28.73 24.55 6.68 10.3
Profit Before Tax 53.74 84.49 124.16 148.22 175.13
Taxes 12.95 21.92 30.56 36.69 43.48
Net Profit 40.78 62.57 93.6 111.53 131.65
Adjusted EPS (Rs.) 12.03 18.38 27.33 24.76 29.1

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 33.91 34.04 34.25 45.04 45.25
Total Reserves 416.88 481.74 576.36 1145.11 1286.76
Deposits 5221.07 6046.36 6560.62 7477.74 8322.6
Borrowings 616.72 498.43 721.38 472.25 320.58
Other Liabilities 82.66 93.35 98.16 147.87 124.2
Total Liabilities 6371.24 7153.92 7990.77 9295.28 10107.51
Assets
Balance with RBI 721.72 364 462.65 568.98 649.84
Balance with Banks 568.7 655.06 418.21 752.18 349.88
Investments 1212.25 1357.06 1488.58 1705.71 1819.45
Advances 3726.89 4634.8 5428.69 6074.69 7090.39
Net Block 86.55 83.59 82.59 83.73 87.75
Other Assets 55.12 59.42 110.05 109.99 110.2
Total Assets 6371.24 7153.92 7990.77 9295.28 10107.51
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 18.85 18.84 18.77 18.77 18.77
amarjit singh samra 3.64 3.64 3.63 3.63 3.63
amarpreet kaur 0.10 0.10 0.10 0.10 0.10
deepali gupta 0.01 0.01 0.01 0.01 0.01
dinesh gupta 0.66 0.66 0.65 0.65 0.65
dinesh gupta huf 0.07 0.07 0.07 0.07 0.07
minni gupta 0.01 0.01 0.01 0.01 0.01
navneet kaur samra 1.96 1.96 1.96 1.96 1.96
sarvjit singh samra 9.27 9.26 9.23 9.23 9.23
shahbaz singh samra 1.06 1.06 1.05 1.05 1.05
surinder kaur samra 2.08 2.08 2.07 2.07 2.07
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 81.15 81.16 81.23 81.23 81.23
360 one flexicap fund 1.12 1.56 1.56 1.66 1.57
amicus capital private eq... 3.02 3.02 3.01 3.01 3.01
axis max life insurance l... - - - 2.35 2.35
balbir singh 1.49 1.49 - 1.48 1.48
edelweiss life insurance ... - 3.43 3.51 3.62 3.62
hdfc life insurance compa... 3.42 3.42 3.41 3.20 3.20
icici prudential life ins... - 3.69 3.68 3.68 3.68
investor education and pr... 0.07 - - 0.08 0.08
llp 3.84 - - 3.96 4.01
nippon life india trustee... 4.05 3.32 3.30 3.30 3.01
oman india joint investme... 5.57 5.57 5.55 5.55 5.55
pi ventures llp - 3.74 3.73 3.73 3.73
protostar lvf. - - - 1.19 1.19
rashpal singh 1.38 - 1.38 1.38 1.38
santokh singh chhokar 3.91 - 3.89 3.89 3.89
small industries developm... 3.00 2.99 2.98 2.98 2.98
investor education and pr... - 0.08 0.08 - -
max life insurance compan... - 2.36 2.35 - -
edelweiss tokio life insu... 3.21 - - - -
icici prudential life ins... 3.70 - - - -
max life insurance co lt... 2.35 - - - -

Annual Reports

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Annual Report 2025
Annual Report 2024

Ratings & Research Reports

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Credit CARE
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Research Edelweiss

Concalls & Presentations

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Concall Q4FY24
Concall Q3FY25
Concall Q1FY25
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Presentation Q3FY25

Company News

Capital Small Fin. Stock Price Analysis and Quick Research Report. Is Capital Small Fin. an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Capital Small Fin. stock price today is Rs 321.45. Let’s look at how Capital Small Fin. is performing and if it is the right time to buy the stock of Capital Small Fin. with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Capital Small Fin. has earned Rs 908.4958 Cr. revenue in the latest financial year. Capital Small Fin. has posted outstanding revenue growth of 16.2545032555357 % in last 3 Years.

  • In terms of advances, Capital Small Fin. reported 16.7202 % YOY,  rise . If you see 3 years advance growth, it stands at 15.2249153183644 %.

  • Currently, Capital Small Fin. has a CASA ratio of 36.9413 %. It’s overall cost of liability stands at 5.7653 %. Also, the total deposits of Capital Small Fin. from these accounts stood at Rs 8322.5995 Cr.

  • Capital Small Fin. has a healthy ROA track record. The ROA of Capital Small Fin. is at 1.357 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.58 % and 1.3 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 54.110060446466 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Capital Small Fin. surged and is currently at Rs 86.0232 Cr.

  • Capital Small Fin. has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Capital Small Fin. is trading at a P/B of 1.0554 . The historical average PB of Capital Small Fin. was 0.44016.

  • Share Price: - The current share price of Capital Small Fin. is Rs 321.45. One can use valuation calculators of ticker to know if Capital Small Fin. share price is undervalued or overvalued.

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Brief about Capital Small Fin.
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