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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Capital Small Finance Bank's Debt-to-Equity or its related term are showing as below:
NSE:CAPITALSFB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.24 Med: 0.4 Max: 1.37
Current: 0.46
During the past 6 years, the highest Debt-to-Equity Ratio of Capital Small Finance Bank was 1.37. The lowest was 0.24. And the median was 0.40.
NSE:CAPITALSFB's Debt-to-Equity is ranked better than 57.8% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs NSE:CAPITALSFB: 0.46
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Capital Small Finance Bank Debt-to-Equity Related Terms
Capital Small Finance Bank Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Capital Small Finance Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Capital Small Finance Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Capital Small Finance Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Capital Small Finance Bank's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Capital Small Finance Bank (NSE:CAPITALSFB) has a Debt-to-Equity of 0.46 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital Small Finance Bank and its competitors. This is 15% above median its historical median of 0.40. Over the past decade, Capital Small Finance Bank's Debt-to-Equity has ranged from 0.24 to 1.37. According to the industry distribution chart, Capital Small Finance Bank ranks #595 out of 1410 companies in the Banks industry, placing it in the top 42.2%.
Is Capital Small Finance Bank's Debt-to-Equity too high?
Capital Small Finance Bank's current Debt-to-Equity of 0.46 is 15% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.37. The Banks industry median Debt-to-Equity is 0.58. Capital Small Finance Bank's value of 0.46 is 20.7% below this industry median. Based on the distribution chart, Capital Small Finance Bank ranks #595 out of 1410 companies in the Banks industry, which is above the industry midpoint. Overall, Capital Small Finance Bank has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Capital Small Finance Bank's Debt-to-Equity compare to USB?
According to the Banks industry distribution chart, Capital Small Finance Bank ranks #595 out of 1410 companies for Debt-to-Equity. This puts Capital Small Finance Bank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Capital Small Finance Bank's value of 0.46 is 20.7% below this benchmark. Historically, Capital Small Finance Bank's own Debt-to-Equity has ranged from 0.24 to 1.37 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 0.58, Capital Small Finance Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Capital Small Finance Bank's current Debt-to-Equity of 0.46 is 20.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Capital Small Finance Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Small Finance Bank's current Debt-to-Equity is 0.46, which is 15% above median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Capital Small Finance Bank (NSE:CAPITALSFB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹356.70, compared to a current price of ₹280.95 — trading 21.2% below its estimated fair value. The current Debt-to-Equity is 0.46, which is 15% above median its 10-year median of 0.40 and 20.7% below the Banks industry median of 0.58. Capital Small Finance Bank's overall GF Score™ is 50/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Capital Small Finance Bank (NSE:CAPITALSFB), the current Debt-to-Equity is 0.46 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Capital Small Finance Bank (NSE:CAPITALSFB) Overvalued in 2026?
Based on GuruFocus' analysis, Capital Small Finance Bank stock appears to be undervalued.
The current stock price of ₹280.95 is trading 21.2% below its estimated GF Value™ of ₹356.70.
GuruFocus considers Capital Small Finance Bank to be Modestly Undervalued.
Key valuation signals for NSE:CAPITALSFB:
Debt-to-Equity: 0.46 (15% above median its 10-year median of 0.40)
GF Value™: ₹356.70 vs. price of ₹280.95 (21.2% below fair value)
Industry Position: 20.7% below the Banks median (#595 of 1410)
No single metric tells the full story. See the NSE:CAPITALSFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capital Small Finance Bank Ltd is India's first small finance bank. It offers a range of banking products such as saving accounts, Current Accounts, Term deposits, agriculture loans, MSME and trading loans (working capital, machinery loans, etc.), and mortgages (housing loans and loans against property) and operates in Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh and Union Territory of Chandigarh. It has four segments, namely Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. Maximum revenue is generated from the Retail Banking segment.
50GF Score
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