Capital SF Bank Financials

NSE: CAPITALSFB | BSE: 544120

₹280.55

₹-4.05 (-1.42%)

As on 24-Sep-2026IST

Market cap

₹1,276 Cr

Revenue (TTM)

₹1,090 Cr

P/E Ratio

8.5

P/B Ratio

0.9

Div. Yield

1.8 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Interest Earned	1,089.70	1,048.60	908.50	794.33	676.01	578.22
Other Income	101.51	98.27	86.02	68.08	49.47	54.19
Total Income	1,191.21	1,146.87	994.52	862.41	725.48	632.40
Interest Expended	604.56	587.18	498.30	449.18	354.02	322.94
Operating Expenses	360.14	346.18	310.79	258.33	222.75	196.25
Operating Profit before Prov. & Cont.	226.51	213.51	185.43	154.90	148.70	113.21
Provisions and Contingencies	25.22	24.71	10.30	6.68	24.55	28.73
Profit Before Tax	201.29	188.80	175.13	148.22	124.16	84.49
Taxes	50.61	47.41	43.48	36.69	30.56	21.92
Profit after Tax	150.68	141.39	131.65	111.53	93.60	62.57
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	150.68	141.39	131.65	111.53	93.60	62.57

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	1,488.32	1,461.03	1,340.14	1,197.42	610.61	515.78
Minority Interest	--	--	--	--	--	--
Deposits	10,595.57	10,017.65	8,322.60	7,477.74	6,560.62	6,046.36
Borrowings	685.59	499.43	320.58	472.25	721.38	498.43
Other Liabilities & Provisions	179.49	165.84	124.20	147.87	98.16	93.35
Total Liabilities	12,948.97	12,143.94	10,107.51	9,295.28	7,990.77	7,153.92

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash and Balance with Reserve Bank of India	380.28	412.67	649.84	568.98	462.65	364.00
Balances with Banks and Money at Call	1,202.60	907.98	349.88	752.18	418.21	655.06
Investments	2,036.63	1,973.14	1,819.45	1,705.71	1,488.58	1,357.06
Advances	8,951.60	8,572.41	7,090.39	6,074.69	5,428.69	4,634.80
Net Block	101.90	96.82	87.75	83.73	82.59	83.59
Other Assets	275.96	180.91	110.20	109.99	110.05	59.42
Miscellaneous Exp. Not Written Off	--	--	--	--	--	--
Total Assets	12,948.97	12,143.94	10,107.51	9,295.28	7,990.77	7,153.92

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	-385.09	279.49	115.89	74.88	-210.74
Cash Flow from Investing Activities	--	-36.70	-56.45	-165.34	-201.99	-13.16
Cash from Financing Activities	--	163.40	-155.13	222.58	221.52	-119.70
Net Cash Inflow / Outflow	--	-258.39	67.91	173.13	94.41	-343.60

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	33.14	31.13	29.10	24.76	27.33	18.38
Cash EPS (₹)	33.14	35.06	32.85	28.51	33.36	23.11
Adjusted Book Value (₹)	327.35	319.85	294.39	264.23	178.27	151.50
Dividend per Share (₹)	1.78	5.00	4.00	1.20	1.20	1.00
Cash Flow per Share (₹)	--	-84.79	61.77	25.73	21.86	-61.90
Free Cash Flow per Share (₹)	--	-98.35	52.96	19.72	8.87	-75.76

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Yield on Advances	--	12.23	12.81	13.08	12.45	12.48
Yield on Investments	--	6.72	6.82	6.58	6.59	6.56
Interest Spread	--	6.65	7.05	7.43	7.59	7.54
NIM (%)	4.21	3.89	4.14	3.79	4.13	3.64
ROE (%)	10.33	10.15	10.44	12.39	16.62	12.95
ROA (%)	1.25	1.27	1.36	1.29	1.24	0.93
Cost to Income Ratio	--	61.85	62.63	62.51	59.97	63.42

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	16.28	15.42	14.37	17.50	16.91	13.06
EBIT Growth (%)	22.65	15.14	19.71	4.17	31.35	58.37
Net Profit Growth (%)	15.27	7.40	18.04	19.16	49.59	53.42
EPS Growth (%)	12.26	7.00	17.51	-9.39	48.68	52.81
Book Value Growth (%)	7.57	9.06	11.92	94.91	18.39	14.42

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	8.47	7.11	8.89	14.11	--	--
Price / Book Value	0.86	0.69	0.88	1.32	--	--
Dividend Yield (%)	1.78	2.26	1.55	0.34	--	--
EV/EBITDA	6.02	7.04	8.04	13.21	5.08	4.70
Close Price (₹)	277.70	218.90	259.50	348.80	--	--
High Price (₹)	330.65	330.65	406.70	469.00	--	--
Low Price (₹)	206.55	206.55	250.00	319.75	--	--
Market Cap (₹ Cr)	1,275.75	1,004.67	1,170.51	1,573.32	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)