Capital Small Finance Bank Ltd
Fundamental Score
Capital Small Finance Bank Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of CAPITALSFB across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (66.50%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 9.13 vs Industry: 24.58)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Consistent Growth Track Record (14.67% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Profit Growth Track Record (38.98% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹349.71 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 29.23%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Suboptimal ROCE (7.04%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 7.11)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.33x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (18.75%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Capital Small Finance Bank Ltd
About CAPITALSFB
Business Overview
Capital Small Finance Bank Limited provides a range of banking and financial products and services for individuals and businesses in India. It operates through Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers savings, current, and real estate regulatory authority accounts; term deposits; bank lockers; debit cards; trade finance; bank guarantees; 3-in-1 trading account; ATMs; cheque and pass books; and pension scheme. It also provides loans, such as loan against rentals, auto, housing, gold, personal, mortgage loan against property, credit card for farmer, corporate lending, and MSME loans. In addition, the company offers various insurance products, such as general, life, health, motor, travel, home, vehicle, commercial, whole life, term, children's education, money back and unit-linked insurance plans, savings, guaranteed return, and retirement plans. Further, it provides money transfer, bill payment system, payment gateway, net banking, tax payments, and foreign exchange, government banking, NRI banking services and point of sale services. The company was formerly known as Capital Local Area Bank Limited and changed its name to Capital Small Finance Bank Limited in April 2016. Capital Small Finance Bank Limited was incorporated in 1999 and is headquartered in Jalandhar, India.
Company Details
Key Leadership
Corporate Events
CAPITALSFB Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Capital Small Finance Bank Ltd (CAPITALSFB)?
As of 08 Feb 2026, 11:51 am IST, Capital Small Finance Bank Ltd (CAPITALSFB) is currently trading at ₹261.60. The stock has a market capitalization of ₹1.23K (Cr).
Is CAPITALSFB share price Overvalued or Undervalued?
CAPITALSFB is currently trading at a P/E ratio of 9.13x, compared to the industry average of 24.58x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Capital Small Finance Bank Ltd share price?
Key factors influencing CAPITALSFB's price include its quarterly earnings growth (Sales Growth: 14.70%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Capital Small Finance Bank Ltd a good stock for long-term investment?
Capital Small Finance Bank Ltd shows a 5-year Profit Growth of 38.98% and an ROE of 10.38%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 7.11 before investing.
How does Capital Small Finance Bank Ltd compare with its industry peers?
Capital Small Finance Bank Ltd competes with major peers in the Other Bank. Investors should compare CAPITALSFB's P/E of 9.13x and ROE of 10.38% against the industry averages to determine its competitive standing.
What is the P/E ratio of CAPITALSFB and what does it mean?
CAPITALSFB has a P/E ratio of 9.13x compared to the industry average of 24.58x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹9 for every ₹1 of annual earnings.
How is CAPITALSFB performing according to Bull Run's analysis?
CAPITALSFB has a Bull Run fundamental score of 40.4/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does CAPITALSFB belong to?
CAPITALSFB operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Capital Small Finance Bank Ltd.
What is Return on Equity (ROE) and why is it important for CAPITALSFB?
CAPITALSFB has an ROE of 10.38%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Capital Small Finance Bank Ltd generates profits from shareholders' equity.
How is CAPITALSFB's debt-to-equity ratio and what does it indicate?
CAPITALSFB has a debt-to-equity ratio of 7.11, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is CAPITALSFB's dividend yield and is it a good dividend stock?
CAPITALSFB offers a dividend yield of 1.46%, which means you receive ₹1.46 annual dividend for every ₹100 invested.
How has CAPITALSFB grown over the past 5 years?
CAPITALSFB has achieved 5-year growth rates of: Sales Growth 14.67%, Profit Growth 38.98%, and EPS Growth N/A%.
What is the promoter holding in CAPITALSFB and why does it matter?
Promoters hold 18.75% of CAPITALSFB shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is CAPITALSFB's market capitalization category?
CAPITALSFB has a market capitalization of ₹1235 crores, placing it in the Small-cap category.
How volatile is CAPITALSFB stock?
CAPITALSFB has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for CAPITALSFB?
CAPITALSFB has a 52-week high of ₹N/A and low of ₹N/A.
What is CAPITALSFB's operating profit margin trend?
CAPITALSFB has a 5-year average Operating Profit Margin (OPM) of 66.50%, indicating the company's operational efficiency.
How is CAPITALSFB's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 14.70% and YoY Profit Growth of 4.65%.
What is the institutional holding pattern in CAPITALSFB?
CAPITALSFB has FII holding of 1.26% and DII holding of 27.97%. Significant institutional holding often suggests professional confidence in the stock.