Capital Small Finance Bank Intrinsic Value
Capital Small Finance Bank intrinsic value. Capital Small Finance Bank (CAPITALSFB) median intrinsic value is ₹283.09 from 10 valuation models (range ₹125–₹699), vs current price ₹279.55 — +1.3% upside (Trading Near Calculated Value), margin of safety 1.3%. Compare with CAPITALSFB fair price to assess whether the stock is under or overvalued.
CAPITALSFB Valuation Methods Summary — DCF, Graham Number & P/E
Capital Small Finance Bank intrinsic value across 10 models vs current price ₹279.55 — upside/downside and value range per method. Read CAPITALSFB dividend track record for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹398.40 | ₹318.72 - ₹478.08 | +42.5% | EPS: ₹33.20, Sector P/E: 12x |
| Book Value Method | asset | ₹259.73 | ₹233.76 - ₹285.70 | -7.1% | Book Value/Share: ₹324.67, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹264.67 | ₹238.20 - ₹291.14 | -5.3% | Revenue/Share: ₹264.67, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹223.33 | ₹201.00 - ₹245.66 | -20.1% | EBITDA: ₹201.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹698.88 | ₹559.10 - ₹838.66 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹131.87 | ₹118.68 - ₹145.06 | -52.8% | EPS Growth: 5.0%, Fair P/E: 4.0x |
| Growth Adjusted P/E | growth | ₹283.09 | ₹254.78 - ₹311.40 | +1.3% | Revenue Growth: 13.2%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹402.67 | ₹362.40 - ₹442.94 | +44.0% | ROE: 10.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹492.47 | ₹443.22 - ₹541.72 | +76.2% | EPS: ₹33.20, BVPS: ₹324.67 |
| Dividend Yield Method | dividend | ₹125.00 | ₹112.50 - ₹137.50 | -55.3% | DPS: ₹5.00, Target Yield: 4.0% |
CAPITALSFB Intrinsic Value vs Market Price — All Valuation Models
Capital Small Finance Bank fair value range ₹125–₹699 vs current market price ₹279.55 across 10 valuation models. For current market price and key ratios, visit Capital Small Finance Bank share price chart.
CAPITALSFB Intrinsic Value Analysis — Undervalued or Overvalued?
Capital Small Finance Bank median intrinsic value ₹283.09, current price ₹279.55 — Trading Near Calculated Value by 1.3%, margin of safety 1.3%.
What is the intrinsic value of CAPITALSFB?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Capital Small Finance Bank (CAPITALSFB) is ₹283.09 (median value). With the current market price of ₹279.55, this represents a +1.3% variance from our estimated fair value.
The valuation range spans from ₹125.00 to ₹698.88, indicating ₹125.00 - ₹698.88.
Is CAPITALSFB undervalued or overvalued?
Based on our multi-method analysis, Capital Small Finance Bank (CAPITALSFB) appears to be trading near calculated value by approximately 1.3%.
CAPITALSFB Financial Health — Key Ratios vs Industry Benchmarks
Capital Small Finance Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 10.3% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 65.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
CAPITALSFB Cash Flow Quality — Operating & Free Cash Flow
Capital Small Finance Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-385 Cr | ₹-404 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹280 Cr | ₹252 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹116 Cr | ₹34 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹75 Cr | ₹-26 Cr | Positive Operating Cash Flow | 6/10 |
| March 2022 | ₹-211 Cr | ₹-218 Cr | Negative Cash Flow | 3/10 |