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    Regional banks
Capital Small Finance Bank Limited

Capital Small Finance Bank Limited

262.10
INR
-2.55
(-0.96%)
32.49EPS
8.52P/E
12.63BMarket Cap
Oct 29Next Earn
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
54.27
68.71
82.47
113.53
109.97
123.51
128.92
Basic EPS, GAAP
9.05
13.89
20.78
30.65
29.18
31.2
32.6
Free Cash Flow per Basic Share
35.83
-49.78
12.24
26.78
57.25
-91.03
- -
Dividend per Share
- -
0.6
0.76
1.17
1.2
3.99
- -
Book Value per Share
100.08
114.51
135.56
265.84
296.18
321.68
327.35
Tangible Book Value per Share
100.08
114.51
135.56
265.84
296.18
321.68
327.35
Basic Weighted Avg Shares
45
45
45
36
45
45
45
Sales/Revenue/Turnover
2,444
3,095
3,714
4,131
4,962
5,597
5,845
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
165
161
207
169
170
178
- -
Net Income, GAAP
408
626
936
1,115
1,316
1,414
1,478
Effective Tax Rate (%)
- -
- -
24.61
24.75
24.83
25.11
25.14
Profit Margin (%)
16.68
20.22
25.2
27
26.53
25.26
25.28
Working Capital
- -
- -
- -
- -
- -
- -
- -
LT Debt
6,167
4,984
7,214
4,723
3,206
4,994
6,856
Total Equity
4,508
5,158
6,106
11,974
13,401
14,610
14,883
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.01
7.98
7.43
7.91
7.81
7.71
Return on Common Equity (%)
- -
12.95
16.62
12.34
10.38
10.1
10.45

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
45
45
45
Market Capitalization
11,970
9,942
12,626

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17,440
14,024
15,829
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

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

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1,157
1,266
1,253
1,286
4,962
2026
1,327
- -
1,458
1,465
5,597
2027
1,596
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.66
7.41
7.55
7.57
29.18
2026
7.08
- -
7.6
8.82
31.2
2027
9.09
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
1.2
2026
- -
- -
- -
- -
3.99
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sarvjit Singh Samra
Full Time Employees
2,249
Sector
Finance
Industry
Regional banks
Address
Midas Corporate Park Jalandhar PU India 144 001
IPO Date
Feb 14, 2024
Website
capital.bank.in
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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.