CAPITALSFB

Capital Small Finance Bank Limited

Capital Small Finance Bank Limited (CAPITALSFB) financial statements and selected valuation metrics through 30 June 2026.

Financial Services›Financial Services›Banks›Other Bank

capital.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹273.35
Market cap
1,242 Cr
Stock P/E
8.2
P/B
0.85
Dividend yield
1.5%
ROE (FY26)
9.7%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Capital Small Finance Bank (Capital SFB) is a small finance bank that takes deposits and lends to small businesses, home-loan and agriculture customers, with a predominant presence in Punjab and Haryana.

Company snapshot

8thBy market cap

Ranked among 9 companies in Other Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 87.6% of revenue

SegmentRevenue shareRevenuePBTAssets
Other Banking Operations
3.7%
9 Cr9 Cr7 Cr
Retail Banking
87.6%
222 Cr61 Cr6,400 Cr
Treasury
19.0%
48 Cr3 Cr2,721 Cr
Wholesale Banking
9.1%
23 Cr2 Cr1,001 Cr

Shares add up to 119% because segment revenues are before inter-segment eliminations.

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income87 Cr87 Cr99 Cr101 Cr107 Cr103 Cr110 Cr112 Cr119 Cr121 Cr134 Cr
Other income18 Cr21 Cr17 Cr26 Cr18 Cr26 Cr23 Cr23 Cr26 Cr26 Cr26 Cr
Net operating income106 Cr107 Cr116 Cr127 Cr125 Cr129 Cr133 Cr135 Cr146 Cr146 Cr160 Cr
Employee cost32 Cr31 Cr36 Cr37 Cr37 Cr38 Cr43 Cr43 Cr50 Cr46 Cr51 Cr
Other expenses34 Cr37 Cr37 Cr41 Cr40 Cr43 Cr38 Cr41 Cr44 Cr40 Cr44 Cr
Provisions & contingencies2 Cr2 Cr2 Cr4 Cr2 Cr2 Cr9 Cr4 Cr6 Cr6 Cr9 Cr
Depreciation———————————
Profit before tax38 Cr38 Cr40 Cr44 Cr46 Cr45 Cr43 Cr46 Cr46 Cr54 Cr55 Cr
Tax %24.8%25.0%25.3%24.8%25.4%23.9%24.7%24.8%25.0%25.8%24.9%
Net profit29 Cr28 Cr30 Cr33 Cr34 Cr34 Cr32 Cr35 Cr34 Cr40 Cr41 Cr
EPS (₹)₹7.92₹6.88₹6.66₹7.41₹7.55₹7.57₹7.08₹7.70₹7.60₹8.82₹9.09

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income199 Cr255 Cr322 Cr345 Cr410 Cr461 CrSign in free for the trailing twelve months
Other income46 Cr54 Cr49 Cr68 Cr86 Cr98 CrSign in free for the trailing twelve months
Net operating income244 Cr309 Cr371 Cr413 Cr496 Cr560 CrSign in free for the trailing twelve months
Employee cost———125 Cr149 Cr182 CrSign in free for the trailing twelve months
Other expenses———134 Cr162 Cr164 CrSign in free for the trailing twelve months
Provisions & contingencies———7 Cr10 Cr25 CrSign in free for the trailing twelve months
Depreciation——————Sign in free for the trailing twelve months
Profit before tax———148 Cr175 Cr189 CrSign in free for the trailing twelve months
Tax %———24.7%24.8%25.1%Sign in free for the trailing twelve months
Net profit41 Cr63 Cr94 Cr112 Cr132 Cr141 CrSign in free for the trailing twelve months
EPS (₹)₹12.04₹18.41₹27.35₹30.65₹29.18₹31.20Sign in free for the trailing twelve months
Dividend payout %———3.8%4.1%12.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital34 Cr34 Cr34 Cr45 Cr45 Cr45 Cr
Reserves417 Cr482 Cr576 Cr1,152 Cr1,295 Cr1,416 Cr
Borrowings617 Cr498 Cr721 Cr472 Cr321 Cr499 Cr
Other liabilities5,304 Cr6,140 Cr6,659 Cr7,626 Cr8,447 Cr10,183 Cr
Total liabilities6,371 Cr7,154 Cr7,991 Cr9,295 Cr10,108 Cr12,144 Cr
Fixed assets (net)87 Cr84 Cr83 Cr84 Cr88 Cr97 Cr
CWIP——————
Investments1,212 Cr1,357 Cr1,489 Cr1,706 Cr1,819 Cr1,973 Cr
Loans & advances3,727 Cr4,635 Cr5,429 Cr6,075 Cr7,090 Cr8,572 Cr
Cash & bank722 Cr364 Cr463 Cr569 Cr650 Cr413 Cr
Other assets624 Cr714 Cr528 Cr862 Cr460 Cr1,089 Cr
Total assets6,371 Cr7,154 Cr7,991 Cr9,295 Cr10,108 Cr12,144 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity174 Cr-211 Cr-107 Cr113 Cr279 Cr-385 Cr
Cash from investing-12 Cr-13 Cr-20 Cr-162 Cr-56 Cr-37 Cr
Cash from financing197 Cr-120 Cr222 Cr223 Cr-155 Cr163 Cr
Net cash flow359 Cr-344 Cr94 Cr173 Cr68 Cr-258 Cr
Free cash flow (OCF − Capex)162 Cr-224 Cr-127 Cr95 Cr258 Cr-412 Cr

Ratios

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9.0%12.1%15.3%9.3%9.8%9.7%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA———170 Cr185 Cr220 Cr
Gross NPA %———2.8%2.6%2.5%
Net NPA———85 Cr92 Cr106 Cr
Net NPA %———1.4%1.3%1.2%
CET1 %———22.8%21.7%19.6%
Additional Tier 1 %———0.0%0.0%0.0%
ROA %———1.3%1.4%1.2%