Capital Small Finance Bank Intrinsic Value
CAPITALSFB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹358.80 | ₹287.04 - ₹430.56 | +33.1% | EPS: ₹29.90, Sector P/E: 12x |
| Book Value Method | asset | ₹238.22 | ₹214.40 - ₹262.04 | -11.6% | Book Value/Share: ₹297.78, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹235.56 | ₹212.00 - ₹259.12 | -12.6% | Revenue/Share: ₹235.56, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹107.82 | ₹97.04 - ₹118.60 | -60.0% | EBITDA: ₹180.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹673.88 | ₹539.10 - ₹808.66 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹308.32 | ₹277.49 - ₹339.15 | +14.4% | EPS Growth: 12.9%, Fair P/E: 10.3x |
| Growth Adjusted P/E | growth | ₹255.71 | ₹230.14 - ₹281.28 | -5.1% | Revenue Growth: 13.8%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹360.00 | ₹324.00 - ₹396.00 | +33.6% | ROE: 10.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹447.58 | ₹402.82 - ₹492.34 | +66.0% | EPS: ₹29.90, BVPS: ₹297.78 |
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Valuation Comparison Chart
CAPITALSFB Intrinsic Value Analysis
What is the intrinsic value of CAPITALSFB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Capital Small Finance Bank (CAPITALSFB) is ₹308.32 (median value). With the current market price of ₹269.55, this represents a +14.4% variance from our estimated fair value.
The valuation range spans from ₹107.82 to ₹673.88, indicating ₹107.82 - ₹673.88.
Is CAPITALSFB undervalued or overvalued?
Based on our multi-method analysis, Capital Small Finance Bank (CAPITALSFB) appears to be trading below median value by approximately 14.4%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 7.54 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 10.1% | 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 |
Related Pages for Capital Small Finance Bank
Additional stock information and data for CAPITALSFB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹174 Cr | ₹168 Cr | Positive Free Cash Flow | 8/10 |