Capital Small Finance Bank Ltd
Capital Small Finance Bank Ltd provides banking and financial services, including deposits, loans, and other financial products to retail and small business customers in India.
Business. Capital Small Finance Bank Ltd (CPIA.NS) is an Indian banking institution that operates within the Financials sector, specifically providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is headquartered in India and is listed on the National Stock Exchange of India. Specific details regarding operating segments or geographic revenue breakdowns are not available.
Analyst recommendations
3 analysts · consensus BuyAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Capital Small Finance Bank Ltd (CPIA.NS) is an Indian banking institution that operates within the Financials sector, specifically providing banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. It is headquartered in India and is listed on the National Stock Exchange of India. Specific details regarding operating segments or geographic revenue breakdowns are not available.
Capital Small Finance Bank Ltd maintains a debt-to-equity ratio of 0.28, indicating a relatively conservative capital structure with limited leverage. The company's liquidity position is assessed as medium, with free cash flow of 1220386000.0 INR and operating cash flow of 2794945000.0 INR, suggesting adequate short-term liquidity to meet obligations. However, the risk assessment notes that net cash is negative after subtracting total debt, signaling potential liquidity constraints in the medium term.
The company's profitability is reflected in a return on equity (ROE) of 0.0982 and a return on assets (ROA) of 0.013, which are key metrics for evaluating performance in the banking industry. These figures suggest that the company is generating returns, but the ROA is relatively low compared to industry benchmarks, indicating potential inefficiencies in asset utilization.
Capital Small Finance Bank Ltd operates primarily in India, with no disclosed segmental or geographic diversification data available. This lack of diversification may expose the company to regional economic fluctuations and regulatory changes specific to the Indian market.
The company's revenue for the latest period is 4101909000.0 INR, with a net income of 1316472000.0 INR. While the company is profitable, the outlook for the current and next fiscal years is not explicitly provided, and no numeric deltas are available to assess growth trajectory. The absence of detailed growth projections limits the ability to evaluate future performance expectations.
The risk assessment indicates a low dilution potential, with no significant dilution sources identified in the available data. However, the company's liquidity risk is assessed as medium, primarily due to the negative net cash position after accounting for total debt. Credit risk is not explicitly quantified, but the company's financial leverage and liquidity position suggest a moderate level of credit risk.
Recent events and filings are not detailed in the available data, and no transcripts or specific disclosures are provided to assess recent company developments. The lack of recent event data limits the ability to evaluate the company's current strategic direction and operational performance.
- Capital Small Finance Bank Ltd maintains a conservative capital structure with a debt-to-equity ratio of 0.28.
- The company's return on equity is 0.0982, indicating moderate profitability.
- The company's liquidity position is assessed as medium, with free cash flow of 1220386000.0 INR.
- The company's return on assets is 0.013, suggesting potential inefficiencies in asset utilization.
- The company's risk assessment indicates a low dilution potential and a medium liquidity risk.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 40,40 |
| Revenue | —no estimate | —no estimate | 6,7B INR |
| Operating income | —no estimate | —no estimate | 2,5B INR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Capital Small Finance Bank Ltd Market data — financials · 2026-05-27
- Capital Small Finance Bank Ltd Market data — analyst estimates · 2026-05-27