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Overview

Detailed Summary
  • Key insightKey insight

    Capital Small Finance Bank Limited operates as India's first Small Finance Bank, primarily focusing on the middle-income segment, offering asset products like agriculture, MSME, and mortgage loans across several Indian states.

  • Key insightKey insight

    For Q3 FY '26, the Bank witnessed robust credit and deposit growth, reporting a 20% YoY increase in advances and an 18.5% rise in deposits, showcasing a stable growth trajectory.

  • Key insightKey insight

    The Bank maintains strong asset quality, with Gross NPAs at 2.68% and a notable cost of funds with a CASA ratio of 35.9%, highlighting its stable retail deposit franchise.

  • Key insightKey insight

    Demonstrating resilience and operational excellence, the Bank's PAT grew to INR 38 crores for the quarter, and the business strategy emphasizes secured lending with 99% of the loan book secured against collateral.

  • Key insightKey insight

    Future outlook emphasizes geographic expansion, notably in newer regions along with digital transformation efforts, cementing its competitive edge in the evolving banking sector.

Sector

Banks

Industry

Other Bank

Market Cap

1,218 Cr

Volatility

Low Risk

P/E Ratio

8.6

Industry P/E

12.4

PEG Ratio

0.3

P/B Ratio

0.8

52W High

330.40

52W Low

207.00

Financial Ratios

Sales CAGR

1Y
15.42%
3Y
15.76%
5Y
15.44%
10Y

Profit CAGR

1Y
7.40%
3Y
14.74%
5Y
28.23%
10Y

ROE

TTM
9.68%
3Y
9.62%
5Y
10.55%
10Y
9.92%

ROCE

TTM
6.39%
3Y
12.66%
5Y
12.60%
10Y
13.03%

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