AI Summary
✦ ClarthaValuation Metrics
Trading 4.2% above historical median. Valuation is stable — currently in the fair zone (z-score: +0.21). Confidence: 89%.
Live forward EPS implies next-12-month EPS of ₹51.47. Applying the stock's normalized valuation corridor produces a fair range of ₹418.45 to ₹461.17, with base value near ₹442.13 (+52.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹51.47
Forward P/E
5.6x
Base Fair Value
₹442.13
Fair Range
₹418.45 - ₹461.17
Upside To Base
+52.7%
Estimate Source
Live forward EPS
Growth Estimate
+28.5%
5Y Average
0.89
Current
0.88
Overvalued
1.02
Undervalued
0.75
5Y Average
8.60
Current
8.95
Overvalued
8.96
Undervalued
8.13
5Y Average
2.52
Current
2.56
Overvalued
2.90
Undervalued
2.14
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
DCB BANK LIMITED DCBBANKPrivate Banks | +17.4% | 25.3% | 7.7x Undervalued | -26% vs avg | +54.4% |
CSB BANK LIMITED CSBBANKPrivate Banks | +16.9% | 24.1% | 8.5x Undervalued | -18% vs avg | -26.8% |
JANA SMALL FIN BANK LTD JSFBPrivate Banks | +25.1% | 12.9% | 15.0x Premium | +44% vs avg | +19.2% |
CAPITAL SMALL FIN BANK L trades at a discount (8.8x vs peer avg 10.4x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include DCB BANK LIMITED, CSB BANK LIMITED, JANA SMALL FIN BANK LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹288 CrJun 2026Latest net profit
₹41 CrJun 2026Free cash flow
₹-412 CrMar 2026Net Profit
₹41 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 189 | 197 | 204 | 204 | 218 | 224 | 235 | 231 | 247 | 256 | 272 | 273 | 288 |
| Interest | 102 | 113 | 117 | 117 | 119 | 123 | 128 | 128 | 137 | 145 | 153 | 152 | 155 |
| Expenses + | 60 | 68 | 67 | 70 | 76 | 82 | 80 | 84 | 90 | 88 | 100 | 92 | 105 |
| Financing Profit | 27 | 16 | 20 | 17 | 24 | 19 | 27 | 19 | 20 | 23 | 19 | 28 | 29 |
| Financing Margin % | 14% | 8% | 10% | 8% | 11% | 8% | 12% | 8% | 8% | 9% | 7% | 10% | 10% |
| Other Income + | 13 | 16 | 18 | 21 | 17 | 26 | 18 | 26 | 23 | 23 | 26 | 26 | 26 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 40 | 32 | 38 | 38 | 40 | 44 | 46 | 45 | 43 | 46 | 46 | 54 | 55 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 26% | 25% |
| Net Profit + | 30 | 24 | 29 | 28 | 30 | 33 | 34 | 34 | 32 | 35 | 34 | 40 | 41 |
| EPS in Rs | 8.17 | 6.26 | 6.66 | 7.40 | 7.53 | 7.57 | 7.07 | 7.70 | 7.58 | 8.82 | 9.08 | ||
| Gross NPA % | 2.81% | 2.73% | 2.97% | 2.76% | 2.69% | 2.61% | 2.67% | 2.58% | 2.74% | 2.70% | 2.68% | 2.54% | 2.47% |
| Net NPA % | 1.37% | 1.36% | 1.53% | 1.40% | 1.35% | 1.29% | 1.35% | 1.30% | 1.39% | 1.38% | 1.35% | 1.24% | 1.14% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome