Capital Small Finance Bank Limited
NSE: CAPITALSFB · Other Bank
Snapshot
Unlock Capital Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Capital Small Finance Bank Limited provides a comprehensive suite of banking and financial services to individuals and businesses in India. The bank operates through four primary segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations.
Business Model
The bank generates revenue primarily through net interest income from a diverse loan portfolio, including agricultural, MSME, mortgage, and personal loans. It also earns fee-based income from banking services, insurance distribution, and payment gateway solutions.
Growth Outlook
Growth is driven by the expansion of its retail and MSME lending portfolios and the deepening of its digital banking infrastructure. The bank continues to leverage its established presence in regional markets to increase its customer base.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers, particularly in the MSME and agricultural sectors, fail to meet their repayment obligations.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for credit products.
- Regulatory Risk. As a small finance bank, the company is subject to stringent regulatory requirements and priority sector lending mandates set by the Reserve Bank of India.
- Geographic Concentration. The bank's operations are heavily concentrated in specific regions, making it vulnerable to localised economic downturns or regional instability.
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Peers · Other Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Capital Small Finance Bank LimitedCAPITALSFB | ₹1,276 Cr | — | — | — | — | 9.7% | — | -5.4% |
Jana Small Finance Bank LimitedJSFB | ₹5,637 Cr | 14.84 | — | — | — | 7.6% | — | +9.6% |
Utkarsh Small Finance Bank LimitedUTKARSHBNK | ₹2,591 Cr | -2.12 | — | — | — | 18.5% | — | -32.1% |
ESAF Small Finance Bank LimitedESAFSFB | ₹2,137 Cr | -3.60 | — | — | — | — | — | +41.8% |
Suryoday Small Finance Bank LimitedSURYODAY | ₹1,616 Cr | 8.42 | — | — | — | 9.6% | — | +21.6% |
Fino Payments Bank LimitedFINOPB | ₹1,159 Cr | 55.51 | — | — | -465.0% | — | — | -48.8% |
Financials
Capital Small Finance Bank Limited
NSE: CAPITALSFB · Other Bank
Snapshot
Unlock Capital Small Finance Bank Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Capital Small Finance Bank Limited provides a comprehensive suite of banking and financial services to individuals and businesses in India. The bank operates through four primary segments: Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations.
Business Model
The bank generates revenue primarily through net interest income from a diverse loan portfolio, including agricultural, MSME, mortgage, and personal loans. It also earns fee-based income from banking services, insurance distribution, and payment gateway solutions.
Growth Outlook
Growth is driven by the expansion of its retail and MSME lending portfolios and the deepening of its digital banking infrastructure. The bank continues to leverage its established presence in regional markets to increase its customer base.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers, particularly in the MSME and agricultural sectors, fail to meet their repayment obligations.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the overall demand for credit products.
- Regulatory Risk. As a small finance bank, the company is subject to stringent regulatory requirements and priority sector lending mandates set by the Reserve Bank of India.
- Geographic Concentration. The bank's operations are heavily concentrated in specific regions, making it vulnerable to localised economic downturns or regional instability.
Start your research today
Unlock AI insights, financials, peers and live data on Capital Small Finance Bank Limited and 5,000+ companies — free.
Peers · Other Bank
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