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Capital Small Finance Bank Limited

Capital Small Finance Bank Limited

CAPITALSFB.NS
Capital Small Finance Bank LimitedIN flagNational Stock Exchange of India
290.40
INR
+8.65
- -
13.20BMarket Cap
Capital Small Finance Bank Limited
CAPITALSFB.NS
(National Stock Exchange of India)

Recent

price

290.40

P/E

ratio

- -

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
2026
TTM
FRC
54.27
68.71
82.47
113.53
109.97
123.51
113.71
Revenue per Share
9.05
13.89
20.78
30.65
29.18
31.2
29.61
Basic EPS, GAAP
35.83
-49.78
12.24
26.78
57.25
-91.03
- -
Free Cash Flow per Basic Share
- -
0.6
0.76
1.17
1.2
3.99
- -
Dividend per Share
35.57
44.64
59.37
96.45
97.43
114.7
10.03
Book Value per Share
100.08
114.51
135.56
329.07
297.01
322.43
304.92
Tangible Book Value per Share
45
45
45
36
45
45
45
Basic Weighted Avg Shares
2,444
3,095
3,714
4,131
4,962
5,597
5,132
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
165
161
207
169
170
178
- -
Depreciation Expense
408
626
936
1,115
1,316
1,414
1,336
Net Income, GAAP
- -
- -
24.61
24.75
24.83
25.11
24.7
Effective Tax Rate (%)
16.68
20.22
25.2
27
26.53
25.26
26.04
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
6,167
4,984
7,214
4,722
3,206
4,994
4,882
LT Debt
4,508
5,158
6,106
11,974
13,401
14,610
13,762
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
34.64
39.96
36.07
33.3
29.48
296.02
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
45
45
45
Market Capitalization
13,208
11,985
13,215

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
13,572
10,418
16,055
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
29.97%
9.02%
Free Cash Flow
- -
-76.27%
-259.69%
Net Income, GAAP
- -
29.52%
7.4%
Sales/Revenue/Turnover
- -
18.15%
12.79%
Total Cash Common Dividend
- -
- -
234.8%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
999
1,003
1,057
1,072
4,131
2025
1,157
1,266
1,253
1,286
4,962
2026
1,327
1,458
1,465
- -
5,597

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6.68
5.39
6.42
- -
30.65
2025
6.66
7.41
7.55
7.57
29.18
2026
7.08
7.6
8.82
- -
31.2

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.17
2025
- -
- -
- -
- -
1.2
2026
- -
- -
- -
- -
3.99
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Business
Capital Small Finance Bank Limited Capital Small Finance Bank Limited (CAPITALSFB.NS), India's first small finance bank headquartered in Jalandhar, Punjab, and founded in 1999 as Capital Local Area Bank before transitioning in April 2016, provides a comprehensive range of banking and financial services focused on middle-income customers in rural, semi-urban, and urban areas across northern India, primarily Punjab, Haryana, and Himachal Pradesh. The bank offers secured lending products including agriculture loans such as Kisan Credit Cards and term loans; MSME and trading loans comprising working capital and machinery loans; mortgage and housing loans; corporate loans; and consumption loans; alongside deposit products like savings accounts, current accounts, and term deposits; as well as money transfers, insurance, forex services, internet banking, mobile banking, locker operations, and RuPay cards accepted across ATMs, POS terminals, and e-commerce platforms. It maintains a diversified advance portfolio with no direct exposure to microfinance institutions and operates through an extensive branch network exceeding 150 locations. In recent developments, the bank listed on the National Stock Exchange and Bombay Stock Exchange via IPO in early 2024, approved vesting of employee stock options in October 2025, reported robust Q2 FY26 results with deposits reaching 9,317 crore rupees up 20% year-over-year, advances at 7,907 crore rupees, profit after tax of 35 crore rupees, gross NPA at 2.70%, and capital adequacy ratio of 24.2%, and continues strong deposit mobilization and profit growth at a 39% CAGR over five years.